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  • FIRST POST
    • debtaghh
    • By debtaghh 27th Jul 16, 10:00 AM
    • 431Posts
    • 1,117Thanks
    debtaghh
    I want to stop drowning
    • #1
    • 27th Jul 16, 10:00 AM
    I want to stop drowning 27th Jul 16 at 10:00 AM
    Hi,

    I am not sure where to start or what I want from this but here goes ...

    We are in major debt and things seem to be getting worse, I have been looking at this site for years and know there is no point me posting my soa as we literally can't cut back any more e.g

    food shop for fam of 5 £240- if you can help me reduce this then that would be great. I shop at Aldi, Lidl etc and have most shops locally.
    We just got rid of sky and have reduced mobiles, gas etc.

    We can't do an iva or dmp etc as we are in rented accomadation and I know estate agents can use guarantors etc but we don't have one plus they are not that keen as I have mentioned it before to them. Where we live , it's really hard to rent as there are limited properties and having bad credit would just go against us which we really can't do.

    Our biggest issues are that I do things that I end up regretting e.g booking holidays in the uk which still add up, book parties for the kids etc. I don't know how we got into so much debt but assume it must be down to this and i've never been on a good salary. My business has been hit badly and never recovered. I'm currently looking for a part time job but can't see this happening soon as I need it to be enough salary to cover childcare for my baby. My husband is on a good salary but works shifts which means I can't rely on him for childcare help and we don't have any family that can help us. I've tried working for direct selling companies and sell things on music magpie, ebay and gumtree ( I literally have nothing else to sell). I use cashbaack sites too and did do surverys but never seem to be eligible but will stary back with that- any recommendations for good ones? Or any ideas of making more money from home?

    We are due to go away soon and I would love to have advice on how we can save money on food whilst staying at a hotel, I thought I will bring snacks from home and croissants, drink cartons for breakfast but don't want to be speending loads on lunch and dinners.

    I also feel pressure from my family when it comes to birthdays and christmas time with regards to buying expensive pressies. We have a holiday booked at christmas too ( I know not ideal).

    I supoose I'm writng this to start afresh as I can't carry on like this anymore. I am severly depressed and wake up exhausted every day and have no motivation to do anything. I feel like we are drowing in debt. I am currently receiving cbt but in all honesty the crux of the situation is the debt is the issue. I'm sick of having regrets and living life like this so fingers crossed to new me, it' going to take years but here goes.....
Page 8
    • debtaghh
    • By debtaghh 27th Sep 16, 7:39 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Ok, so I have woken up feeling more positive and like I need to sort my life out again!

    Diet hasn't been great the last few days and steps haven't either. I did do 10000 yesterday so will carry that on.

    On the money front as frustrated I am with my self I need to just ensure that transfer is the last one I do for this reason ( e.g ok if to pay another card off to save interest but not ok to just top up salary). I also need to make sure I use it extremely wisely. I need to list a few things to sell - non business related. I need to properly meal plan for the month and work out a food shopping budget until next pay day ( I think I will cash this out as it's getting too easy going the shops and putting it on the card! I feel I'm not actually sure how much I spend on food anymore, since Saturday £122 but in all my defence that did include 3 boxes of Aldi wipes, 8 packs of their cotton wool and 8 bottles of their hand soap. It also was mine and hubby's date night so instead of a takeaway we bought ready made takeaway meals, I also had to buy bits for charity ( approx £5 spend). But the fact is with the debt we have, we cannot justify anywhere near this amount so this needs sorting fast! I find we go through so much fruit and am constantly topping this up.

    I will sort my life out and actually clear debt!
    I will actually lose weight ( in all fairness, I have lost weight but just not enough!)
    Last edited by debtaghh; 27-09-2016 at 7:42 AM.
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • MrsSave
    • By MrsSave 27th Sep 16, 9:44 AM
    • 996 Posts
    • 3,027 Thanks
    MrsSave
    Well done on the positive attitude. It is so easy to overspend, I do it far too often then am chasing money around trying to make it up all the time. I'm determined October isn't going to be the same!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • debtaghh
    • By debtaghh 28th Sep 16, 5:29 PM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    I've used some of the money transfer to pay £350 off the capital one and £275 off another cc so don't feel as bad.

    I get so tempted at this time of year with all the Christmas celebrations!

    I did over 17000 steps yesterday and am on over 8000 today so pleased with that.
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • Purplemumof2
    • By Purplemumof2 1st Oct 16, 9:25 AM
    • 3,923 Posts
    • 11,522 Thanks
    Purplemumof2
    Morning debtaghh, you sound really positive

    As MrsSave says it is very easy to overspend, I think I'm an expert at it now lol

    Well done on the weight loss and the steps.

    Pmo2
    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
    • debtaghh
    • By debtaghh 9th Oct 16, 7:57 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Morning,

    I had a little break from here due to personal reasons but I have still been reading other diaries and trying to be good with my money.

    I have tried to hang the washing out as much as possible and still haven't put the heating on - have others put theirs on yet? It is starting to get cold but I can't remember when I normally put it on. I have been really watching putting lights/ switches on and we have been lighting candles.

    I've done more Christmas shopping but really happy with what I got and for the cost. I do want to spend less overall though as we need to clear this debt! My husband has cancelled a few things that used to come off his payslip so that should be an extra £20 a month.

    I haven't made any more payments to the credit card but think I have been better with my general spending. My only issue is my food shop, I'm not sure what is going on- has food got even more expensive? Payday is not for another 11 days and I do not want to spend more than £100 on food in that time. But I do have guests coming over twice.

    I have lost another 1lb but haven't been that disciplined so pleased with any weight loss!
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • Purplemumof2
    • By Purplemumof2 9th Oct 16, 8:38 AM
    • 3,923 Posts
    • 11,522 Thanks
    Purplemumof2
    Morning debtaghh,

    Sometimes it's good to have a break, hope you're ok?

    DH gave in and put the heating on last week.

    I too need to think about Christmas shopping, haven't got much, so well done on what you've bought so far

    And well done on the weight loss
    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
    • debtaghh
    • By debtaghh 10th Oct 16, 9:42 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Hi,

    Yes I am ok thanks.

    Going to Aldi today to try and cut my food budget down!

    May make a small payment towards the capital ons as I feel I haven't in a while.
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • debtaghh
    • By debtaghh 11th Oct 16, 7:31 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Morning,

    I went to Aldi yesterday and managed to spend £93😱 but did stock up and have food for my guests coming over this week. I'm not spending more than £30 on food until the 20th. I am going to cash it out to ensure I don't go over. From the 20th I am going to write exactly what I'm spending on food in a month as we really can't afford £100 per week. Been feeling a bit low about debt and not owning our own house, it's so hard to keep positive .
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • Purplemumof2
    • By Purplemumof2 11th Oct 16, 11:12 AM
    • 3,923 Posts
    • 11,522 Thanks
    Purplemumof2
    Well done on the Aldi shop and I think its a great idea to write down what you've spent on the groceries.....I may consider this one too.


    I know you're feeling a bit blue hun, think it's catching....hugs to you, you are doing great and the Capital One will be gone in no time xx
    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
    • debtaghh
    • By debtaghh 12th Oct 16, 8:21 PM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Paid another £50 off the capital one today.


    Have done 14000 steps so am pleased with that.

    Think I will copy you purple mum and set my goals for be next year!
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • debtaghh
    • By debtaghh 13th Oct 16, 10:24 PM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Hi,

    I have done over 14000 steps today , which I'm pleased with.

    I've decided that it can be quite nice having the challenge of being frugal at times, I feel like I have achieved something.

    I haven't done any top up shops yet so current food shop spend is £94. I definitely think working with cash will be better for me as puttting things on a card is too easy!
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • Purplemumof2
    • By Purplemumof2 14th Oct 16, 5:29 AM
    • 3,923 Posts
    • 11,522 Thanks
    Purplemumof2
    Well done debtaghh, you're doing really well.
    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
    • debtaghh
    • By debtaghh 17th Oct 16, 7:15 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Morning,

    I have been offered a job and the hours are better but I have a dilemma and wouldn't mind some advice... I would take home approx £425 per month but this is me having to rely on some family members to help out with childcare weekly who are not reliable and I have severe back issues and am really worried that standing all day will aggravate it. The money would come in very handy but really not sure what to do.
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • debtaghh
    • By debtaghh 19th Oct 16, 6:22 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Morning,

    I've stuck to my £30 food shopping spend until tomorrow.

    I've been doing loads of steps lately which is good.

    Sales are slow but hubby's wage is a bit more than I expected. When he gets paid I will cash out the month's food shopping budget so I can manage it better. I've also been buying more Christmas presents and watching what I spend.

    I'm going to try and meal plan today for the next month to work out out costings!
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • debtaghh
    • By debtaghh 19th Oct 16, 6:37 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Goals 2017


    Reduce minimums by £200 per month so things are less tight ( I'm not setting a goal of how much debt to clear as I would rather it be as much as possible)
    Save an emergency fund of £2000
    Lose weight!
    Spend more individual quality time with my husband and children.
    Learn to relax more
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
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