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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 3,928Posts
    • 11,531Thanks
    Purplemumof2
    Back in debt but not out
    • #1
    • 2nd Aug 16, 6:58 AM
    Back in debt but not out 2nd Aug 16 at 6:58 AM
    Hi,

    It's been over a year since I was here last.

    Last time, we managed to get debt free by consolidating our debts, but due to a lot of things we are back in debt again.

    This past month has brought things to a head, we've been rather stupid and things have gotten out of control.

    So where are we with the debt:

    Barclaycard: £8829.88
    Overdraft: £2750.00
    Total: £11, 579.88

    Ignoring the OD for the moment, as I'm not too worried about that one, I need to make headway on sorting the BC out.

    Things coming up this month are:

    DD's birthday
    Pay remainder of DD's party
    Pay for food at DD's party - already ordered just needs paying
    Pay for DD's cake
    School uniforms for both kids

    Will post my plan in the next post, back in moment
    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
Page 12
    • Thistle-down
    • By Thistle-down 6th Oct 16, 9:43 AM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    I know that feeling only too well. I feel like hibernating at the moment rather than dealing with all the things I need to get finished.

    I hope you have a better day today!
    • doingitanyway
    • By doingitanyway 6th Oct 16, 7:54 PM
    • 1,027 Posts
    • 4,198 Thanks
    doingitanyway
    Your energy will return purplemum, just keep going
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Bobarella
    • By Bobarella 6th Oct 16, 9:46 PM
    • 7,975 Posts
    • 51,230 Thanks
    Bobarella
    Morning,

    Do you ever feel like you've lost your way or the direction you need to take??

    That's me at the moment I want to get rid of the debt, but feel like I haven't got the energy to deal with it at the moment.

    I'm sure it'll pass.

    On the upside I sold something on Amazon, so need to post that today.

    Also bought a book from Amazon last night, I had some money left from my birthday on there so used the last of it.
    Originally posted by Purplemumof2
    Totally get that feeling. But you have had an awful lot on. All the job stress is bound to make you tired and jittery. It will pass.
    £795 to pay =70% repaid
    RR 2016 #2 December £0.51 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.42 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 8th Oct 16, 9:15 AM
    • 3,928 Posts
    • 11,531 Thanks
    Purplemumof2
    Morning,

    Got lots of things whirling around in my head at the moment.

    I did my 2017 goals yesterday, so something in me is changing I think lol, it just needs a tweak, I will post it at some point.

    We've dropped DS at his Air Cadets try & see day, total cost £10, just hope he enjoys it and wants to carry it on.

    Got the dreaded dentist at 10am.

    I'm thinking of improving my spreadsheet, does anyone have one that they wouldn't mind emailing over to me?

    Got lots to sort today, so I'll update later 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
    • Purplemumof2
    • By Purplemumof2 8th Oct 16, 4:05 PM
    • 3,928 Posts
    • 11,531 Thanks
    Purplemumof2
    Spendy day today but worth it I hope.

    Dentist okayish £36.40 for DH & I
    Hair dye bought £5
    New home insurance fee £36.79
    Old home insurance cancellation fee £34.04

    New home insurance is £18.49pm rather than £37.26pm, so will save in the long run.

    No point changing my car insurance this time as everywhere was quoting higher. However, I did manage to find DH a cheaper quote, so he's going to talk to present ones before we decide to cancel it.

    Have worked out the remainder of the water rates and they come to £101.55, tempted to pay that off, as it will then give us 6 months breather until the next bill comes in in April?

    Good news too.....third party insurers have finally authorised repairs on DH's car, it'll be ready for collection on the 28th August
    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
    • BeckyS
    • By BeckyS 9th Oct 16, 12:39 AM
    • 62 Posts
    • 171 Thanks
    BeckyS
    Hi,

    Just finished reading your diary. Glad you got a new job. :-)

    Becky
    • lilyflower7
    • By lilyflower7 9th Oct 16, 3:24 AM
    • 12 Posts
    • 20 Thanks
    lilyflower7
    on finding cheaper quotes for the home insurance and DH's car insurance!

    Just to check though - won't you lose this year's NCB on the home insurance by cancelling mid-policy? That said if you have several years it shouldn't be an issue, but just a thought (never needed to cancel a insurance policy mid-policy before so have little idea how it works!)

    With the water rates (impressively low by the way! ) if you have the savings/spare cash available, it seems like a good idea - perhaps you could use the breather to put money aside for April's bill so you have one less DD to worry about next year?

    Ooooh and for the repairs being authorised (however I do hope you meant to type 28th October? )
    • Purplemumof2
    • By Purplemumof2 9th Oct 16, 8:31 AM
    • 3,928 Posts
    • 11,531 Thanks
    Purplemumof2
    Just to check though - won't you lose this year's NCB on the home insurance by cancelling mid-policy? That said if you have several years it shouldn't be an issue, but just a thought (never needed to cancel a insurance policy mid-policy before so have little idea how it works!)
    Originally posted by lilyflower7
    Don't think so, I had the option to protect them on this one too, we've never needed to claim, so shouldn't be a problem (I hope)

    With the water rates (impressively low by the way! ) if you have the savings/spare cash available, it seems like a good idea - perhaps you could use the breather to put money aside for April's bill so you have one less DD to worry about next year?
    Originally posted by lilyflower7
    They always seem low here and my thinking too, even if we only have enough aside for half to be paid straight away, still better then nothing

    Ooooh and for the repairs being authorised (however I do hope you meant to type 28th October? )
    Originally posted by lilyflower7
    Yup, October. Silly me
    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
    • Purplemumof2
    • By Purplemumof2 9th Oct 16, 8:33 AM
    • 3,928 Posts
    • 11,531 Thanks
    Purplemumof2
    Hi,

    Just finished reading your diary. Glad you got a new job. :-)

    Becky
    Originally posted by BeckyS
    Thank you, it's only temporary until the end of November but helps a bit.
    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
    • BeckyS
    • By BeckyS 9th Oct 16, 10:01 AM
    • 62 Posts
    • 171 Thanks
    BeckyS
    Hopefully they'll extend you.

    But just in case it's probably a good idea to keep looking. Since it's so short term they can't really complain. I'm not sure where you are but if you're anywhere near one of the centres there always a month's data entry work for Royal Mail in December. It's very, short term, boring as all heck and low pay but it's better than nothing.
    • Thistle-down
    • By Thistle-down 9th Oct 16, 11:17 AM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    It does sound like things are going well at the moment

    Did your son like the cadets? My daughter has been going for a few years now and been able to do some amazing things. We don't live too far from Cranwell so her squadron often goes flying. She is also much more disciplined than she used to be, and is completely focused on joining the Air Force when she is old enough. When she asked to join, I honestly thought she'd get tired of it after a couple of months... instead she has mapped out her whole future!
    • Purplemumof2
    • By Purplemumof2 9th Oct 16, 12:22 PM
    • 3,928 Posts
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    Purplemumof2
    He thoroughly loved it unfortunately they grounded the cadets here but they still do a different type of gliding....can't remember which one.

    DS has always got on well with structure, so I think it will work well for him.

    In other news food shopping done, need to dye my hair, do the ironing and make dinner. Remembered last minute that DS has a birthday party at the local skatepark, so quick trip to the card shop and £10 drawn out.

    I'm sure there's other stuff I need to do but can't remember.
    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
    • Purplemumof2
    • By Purplemumof2 9th Oct 16, 9:21 PM
    • 3,928 Posts
    • 11,531 Thanks
    Purplemumof2
    Hair dyed (look less like a witch now), ironing done, dinner sorted and eaten.

    In a panicky feeling regarding work, DH can only help me so much, love him lots for everything he has/is doing, but I need to be realistic, I'm helping out with this project until the end of November then that could be 'it', I can't risk that so close to Christmas and I feel annoyed that I put myself in this position because my hands were in effect tied...I had no option IMHO, so tomorrow I need to ring the agencies that have helped in the past and left them know of the changes, I have a new one that I can ring and they have my cv so will add them to my list.

    DH has said Christmas is ok because of what we have saved and he's got bonuses coming through, but I'm worried, I've never ever been in this position and now I feel like crying. I couldn't sleep last night and I feel restless.

    Really hope that something does happen and that my silver lining isn't just a dud.
    Last edited by Purplemumof2; 09-10-2016 at 9:24 PM.
    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
    • MrsSave
    • By MrsSave 9th Oct 16, 9:46 PM
    • 1,002 Posts
    • 3,039 Thanks
    MrsSave
    Sorry you're feeling so down. I'm sure things will sort themselves out, but I know it is such a big worry. I don't have a job once I finish my maternity leave and I'm already worrying about that (even though I haven't even started my maternity leave yet!!!).
    Emergency fund #16 £20/£1000
    Loan repayments: 16/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • Purplemumof2
    • By Purplemumof2 10th Oct 16, 5:29 AM
    • 3,928 Posts
    • 11,531 Thanks
    Purplemumof2
    Sorry you're feeling so down. I'm sure things will sort themselves out, but I know it is such a big worry. I don't have a job once I finish my maternity leave and I'm already worrying about that (even though I haven't even started my maternity leave yet!!!).
    Originally posted by MrsSave
    Thanks 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
    • debtaghh
    • By debtaghh 10th Oct 16, 9:44 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Really hope you find a job soon x
    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)
    • monz
    • By monz 10th Oct 16, 10:14 AM
    • 1,929 Posts
    • 4,054 Thanks
    monz
    Just take it one step at a time. Easier said than done but look how far you have came <3 xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • Thistle-down
    • By Thistle-down 10th Oct 16, 10:15 AM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    It's hard not to worry when you are so unsure what will happen once this job ends. Be firm in believing that no matter what happens, you will get through it, you will survive and it probably won't be anywhere near as bad as you have imagined. These situations usually turn out to be blessings in disguise.
    • Purplemumof2
    • By Purplemumof2 10th Oct 16, 1:10 PM
    • 3,928 Posts
    • 11,531 Thanks
    Purplemumof2
    Thanks debtaghh, Monz and Thistle-down 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
    • Purplemumof2
    • By Purplemumof2 11th Oct 16, 12:32 PM
    • 3,928 Posts
    • 11,531 Thanks
    Purplemumof2
    My 2017 Goals
    So I have got my 2017 Goals together now.
    • Pay £3k off CC minimum - £250 pm – keep monthly tally
    • Declutter properly – eBay/Amazon/Charity shop – anything sold, transfer money over to budgets
    • Decorate both kids rooms - A must if we are going to put the house up for sale
    • No alcohol days/months
    • No spend days/weeks
    • Save the change towards Christmas
    • Wombling – Need to master this one
    • Set up budget for – Car (insurances, taxes, services)/Water/Council Tax/Home/Gas/Electric/Birthdays - £70pm???
    • Lunches to work as much as possible
    • Avoid the pub – this is a must
    • Need to build up an emergency fund – 3 x DH's monthly salary?? PADing??
    • Walk 10,000 steps per day
    • Keep to meal plan, try to reduce grocery/alcohol spends
    All of which I'm sure can be doable. The main thing is to find a job and that is in hand.

    Last edited by Purplemumof2; 11-10-2016 at 12:35 PM.
    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
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