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  • FIRST POST
    • hugglemonster
    • By hugglemonster 25th Jul 16, 8:32 PM
    • 105Posts
    • 419Thanks
    hugglemonster
    Hugglemonster's debt free diary
    • #1
    • 25th Jul 16, 8:32 PM
    Hugglemonster's debt free diary 25th Jul 16 at 8:32 PM
    Hi all welcome to my diary - edited due to similarities with a fellow user which looked a bit strange

    Anyway... I have a few bits of debt that I just need to get rid of and a house that is in need of repair, along with plans for the future involving lots of trips with hubby and the kids. The debt is manageable on a monthly basis but we have slipped recently with our spending so need to get back on top of it and get rid asap.

    I am good at various aspects of money saving i.e. using vouchers, cashback sites, doing surveys etc but have neglected the food menu and shopping list which is our biggest spends area. I'm not going to do an SOA as I already have one written and I know the areas that need addressing.

    Today has been good, I've researched home insurance and got a reduction of £2 per month and cashback of £30, printed off some vouchers and we have eaten at home from food we batch cooked at the weekend. Lots of washing done and mostly dried outside plus some on the airer.

    Not so good lurking in the background is that we are currently without a car (using hire car from insurance comp) as some dingbat drove into the back of me a few weeks ago and we are still waiting for payment so we can get a different one (ours was a write off), we know what we want and payments will be similar to what we have been paying for a bigger car that will be ideal for our needs. I know getting finance for car isn't good but we had such a rotten car before and I need a reliable one for work so that's our luxury.

    I have paid one small debt of £100 off today which is a little boost and have plans for the rest but equally we need to put some money into things around the house that need sorting, therefore I have two lists; Debt, and Savings

    Debt:
    Computer £646.52
    Overdraft 1 £1100
    Overdraft 2 £1500
    Credit card £2200
    Car - not even going there at the mo!

    Savings/to buy:
    Skip - to clear rubbish from 'The Great Big Declutterathon'
    Carpet for dd bedroom
    Curtains and curtain pole for dd bedroom plus new drill
    dd new school uniform as going to High School in September
    dd and ds school shoes
    ds birthday (August)
    bark chippings for back garden areas

    There is much, much more to save for and buy but this is my current list, so on the debt front I will be concentrating on the computer first as this is the smallest amount and then will snowball the monthly payments.

    Thanks for reading, wish me luck and hard work begins now.

    Hugglemonster x
    Last edited by hugglemonster; 11-08-2016 at 4:14 AM.
Page 3
    • Purplemumof2
    • By Purplemumof2 11th Sep 16, 9:48 PM
    • 3,931 Posts
    • 11,551 Thanks
    Purplemumof2
    Missing your updates lovely. Hope all is well.
    Originally posted by Bobarella
    Likewise. Where are you? Hope you're ok? X
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • hugglemonster
    • By hugglemonster 14th Oct 16, 10:46 AM
    • 105 Posts
    • 419 Thanks
    hugglemonster
    Sneaks back in, in shame

    I literally have no idea where the last few weeks have gone, just busy with family life and I did complete my first marathon!

    Finances have taken a massive hammering and due to earning less over the summer and paying out for some extra things we are really stuggling, the thing is apart from some tickets to a major sporting event we are going to in London next year, there is nothing to show for the money we have spent.

    So here's the bad things first
    * Overdraft is currently £2199.99 the limit is £2200, so 1p lurking of a massively increased overdraft.
    * Tax office have once again messed up hubbies tax and he owes them about £200, this will be taken out of future months pay. I do wonder who the HMRC are employing because they have never got it right!

    Things to be mindful of over the next few months:
    * Dd birthday in early November
    * Xmas
    * Dh is doing a running event in December which has extended from an overnight stay with his mate to all of us sharing a cottage for a couple of days.
    * My brother is getting married in May in Germany, so we need money for flights, hotel and spending money. My brother bless reckons it's great telling us now as we can book early, yes great is you have the money! I think we can book the hotel but not pay until we arrive, but the flights obviously have to be paid upfront.
    * I need to get rid of this debt, it's driving me mad and yet I know it's my fault.

    Good things:
    *Everyone is happy and healthy, dd is loving high school and ds is doing well in his new year.
    *I have lots of work coming up for my second job which is good as I earn more per hour there than my main job now, main job is OK but not going as expected, not enough teaching time due to staff shortages.
    I love Xmas, planning on making lots of food and telling the family not to buy presents, we will only buy for our two and my niece.
    *Mortgage payment has gone down by £8!
    * I'm back using YNAB to keep me under control.

    So plans for now, I don't know - shall I start tackling one of the overdrafts of save every penny for dd birthday and Xmas?

    Bah! H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Bobarella
    • By Bobarella 14th Oct 16, 6:37 PM
    • 8,012 Posts
    • 51,415 Thanks
    Bobarella
    Huggle - well done on your marathon chuffed for you! Loads of things going on then by the sounds of it. Isnt it hard knowing where to focus first. Think the overdraft would do my head in. It must be annoying never clearing the red.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • hugglemonster
    • By hugglemonster 14th Oct 16, 6:47 PM
    • 105 Posts
    • 419 Thanks
    hugglemonster
    Thanks Bob, very please r.e. marathon too, I have a longer event in February to train for so that was a training run

    I think you're right about the overdraft, the large one is our current account so every time our wages go in it's still in the red. I don't know what's best, whether to save a lump sum up and put it on at a specific time each month, or to phone the bank each month and get them to reduce it by £100 or something so it is gradually reducing.

    Need to plan for the next couple of weeks outgoings, I get paid tomorrow so we will eat!!

    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Bobarella
    • By Bobarella 14th Oct 16, 7:10 PM
    • 8,012 Posts
    • 51,415 Thanks
    Bobarella
    Could you move your account altogether and just treat the OD as another debt to pay?
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 14th Oct 16, 8:52 PM
    • 3,931 Posts
    • 11,551 Thanks
    Purplemumof2
    So good to see you Huggle. Welcome back Hun x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • hugglemonster
    • By hugglemonster 16th Oct 16, 4:33 PM
    • 105 Posts
    • 419 Thanks
    hugglemonster
    Busy day today, I have been on-call for main job since yesterday afternoon and just handed it over to a colleague, not too busy but always good to get rid of it.

    I have been cooking and washing most of the day, batch cooked chicken and chorizo, veggie lasagne, tomato soup and vegetable soup. DH has made rolls and bread, he needs to make a Chilli tomorrow to put in freezer but otherwise plenty of meals for the next few days. Ooh and dd made fairy cakes.

    I got a bit frustrated with DH earlier as he came shopping and insisted on buying a large bottle of a branded laundry liquid I still need to teach him that he might be on board with budgeting and saving money in most areas but he still needs to look at alternatives, he still got extra wine and beer so shop was £80 which is not good.

    I've done a few surveys and I have also opened an extra account to transfer shopping money into and let the bills account run itself so hopefully the overdraft will gradually reduce.

    Hotel in Germany has been booked via TCB, we don't need to pay until we get there so plenty of time to save, cottage for DH run will cost us £100 for 2 nights (4 of us) still a pain two weeks before Xmas but manageable. I just need to look at hotels in London for next August and save for flights to Germany.

    Looking forward to getting this week done as I'm off with the kids for half term

    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Bobarella
    • By Bobarella 16th Oct 16, 9:38 PM
    • 8,012 Posts
    • 51,415 Thanks
    Bobarella
    Sounds like hubby just needs a bit more fine tuning. I get niggled sometimes at little things but on the whole OH is very good.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • hugglemonster
    • By hugglemonster 17th Oct 16, 11:11 AM
    • 105 Posts
    • 419 Thanks
    hugglemonster
    My DH is a good man too I don't mean to sound so bad about him, and he does get frustrated about the finances when I have have to say no to some things I feel like his mother!

    A few surveys done this morning, I'm working mostly from home today so I can get some housework done at times.

    I know I was saying about attacking the overdraft and I will put extra in when possible but my focus before was to pay off the kids computer as it's a in 3 figures and the interest saved is good. I will see when I get paid my mileage I will see if I can make an extra payment.

    Payday from second job is next Tuesday, it will be a lost cost shop on my own on Saturday as DH is going camping with dd.

    Need to keep saying to myself 'small steps add up'.

    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • hugglemonster
    • By hugglemonster 17th Oct 16, 4:15 PM
    • 105 Posts
    • 419 Thanks
    hugglemonster


    This is how I'm feeling right now, on the way home this afternoon I noticed a crack in the windscreen it's about 4 inches long so the whole thing needs replacing. I have already arranged with insurance company for it to be replaced tomorrow and parted with £65 excess payment that I can't really afford at the minute.

    It's always one step forward and two steps back in my house, and I know it's our fault we're in this position but it is so frustrating.

    So instead of going on a course tomorrow that i have been waiting for for ages I will have to go into the office and nip back home when the repairer arrives.

    Even more determined to get rid of this debt and build an emergency fund.

    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Bobarella
    • By Bobarella 17th Oct 16, 4:34 PM
    • 8,012 Posts
    • 51,415 Thanks
    Bobarella
    Awwww so sorry to hear that what a huge pain.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 17th Oct 16, 7:46 PM
    • 3,931 Posts
    • 11,551 Thanks
    Purplemumof2
    Oh bums! What a pain but better than ignoring it.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • hugglemonster
    • By hugglemonster 18th Oct 16, 7:11 PM
    • 105 Posts
    • 419 Thanks
    hugglemonster
    Good evening, windscreen is all fixed a lovely young man replaced it (doesn't that make me sound old when I say 'young man'!! ha) and service was brilliant from the initial call at 0800 this morning giving me a rough time he would arrive and a further phone call when he was 30 minutes away. Very good service.


    I got paid my mileage so this has been updated on YNAB, with the extra payment for the car and the fact that I need fuel and will need food before I get paid on Tuesday I won't make an extra payment to computer just yet.


    DH has made chilli this evening and managed to get 9 portions out of it, some in the fridge ready for work tomorrow and the rest in the freezer. It was so nice this evening to just heat up my portion of soup and slice of homemade bread, warm, comforting and easy to make.


    I have been doing surveys on a site that I have been ignoring for months, I didn't realise how quickly the points add up and can convert to paypal regularly, I currently have £9 after just a few days. I will build this up then pay it off a debt.


    Working late tomorrow then a nice couple of days before I have my week off, I can't wait I know I'm run down as my lips are covered in cold sores. Looking forward to a nice couple of days with my boy whilst dh and dd go camping, although slightly concerned when I told ds it was just me him he raised his eyebrows and said 'We're gonna get into trouble!'.


    Plodding onwards like a little donkey! H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Purplemumof2
    • By Purplemumof2 18th Oct 16, 7:53 PM
    • 3,931 Posts
    • 11,551 Thanks
    Purplemumof2
    Lol@young man....hope he was dishy too!

    I used to do surveys regularly, may have to have a look again.

    Enjoy the mum & son time, I'm lucky if I get a grunt these days lol
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • hugglemonster
    • By hugglemonster 18th Oct 16, 8:05 PM
    • 105 Posts
    • 419 Thanks
    hugglemonster
    Ha too short and skiny for my taste but nice looking! My dh is a tall well built ex-rugby player/solider, very sporty when not drinking!


    I only do a few sites now as many take ages for little results, I prefer to do the smaller ones and watch the pennies add up.


    Just booked hotel for trip to London next year, right outside the stadium and love that you don't pay until you get there. Through TCB of course!


    Ah I'm lucky ds is 8 so lots of huggles still, but not allowed to hold his hand when we walk to school.


    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Bobarella
    • By Bobarella 18th Oct 16, 10:36 PM
    • 8,012 Posts
    • 51,415 Thanks
    Bobarella
    Here's to lovely hugs. Nothing like them is there.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • hugglemonster
    • By hugglemonster 19th Oct 16, 11:20 PM
    • 105 Posts
    • 419 Thanks
    hugglemonster
    Home late from an evening meeting for my second job but a nice 4 hours earned plus travel, I did get a nice thank you from the group for my work. I also got a nice cheque for some work that my hubby has done for them for £70, this will go towards my dd birthday present and some other bits and pieces.


    I have sold a couple of books online, need to post one tomorrow and wait for disbursement from website, I sold one the other day and transferred the few pounds to the overdraft. I will do the same with the other payments.


    I need to do lots of work for second job tomorrow, also visit a school for a competition.


    Lots of cashback waiting to be paid out, some won't be until next year though so need to stop checking the account.


    6 days until next payday, all accounts up to date. *Taps fingers until I can make a payment!*


    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • hugglemonster
    • By hugglemonster 20th Oct 16, 1:37 PM
    • 105 Posts
    • 419 Thanks
    hugglemonster
    Hi hi, all positive here today, I paid in the cheque from last night and posted the book I sold, a few more surveys done and work for second job in between tidying up the house.

    Postman brought a £10 Sainsbobs gift card from a survey site which will be saved for Xmas and also an unexpected cheque from an old cc that over charged me interest apparently, £11.97 so I will definitely make a payment to computer, in fact I have just paid off an extra £25 and with the automatic interest adjustment this has now brought the balance down from £519.30 to £480.35!

    If I keep going on that balance it will be gone within a few months and more than a year early.

    I think this website has good karma, I need to make sure I stay on the path to financial security.

    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Purplemumof2
    • By Purplemumof2 20th Oct 16, 3:22 PM
    • 3,931 Posts
    • 11,551 Thanks
    Purplemumof2
    Excellent hun! I agree about the good karma too
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • Katzen
    • By Katzen 20th Oct 16, 3:33 PM
    • 499 Posts
    • 1,605 Thanks
    Katzen
    That's amazing news! Love a little bit of good karma, chuck a little donation in the next food bank bin you see, just to keep it coming!
    Well done on that OP, it's amazing that just an extra £25 makes so much difference to the interest
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