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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 3,931Posts
    • 11,552Thanks
    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 13
    • Thistle-down
    • By Thistle-down 11th Oct 16, 4:33 PM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    That's a nice list of goals, achievable things that will make a difference. You've inspired me to get working on my list - I've been saying I'd get it done for at least a month now...
    • MrsSave
    • By MrsSave 11th Oct 16, 7:27 PM
    • 1,005 Posts
    • 3,049 Thanks
    MrsSave
    Well done for getting your 2017 goals sorted. I definitely need to think about mine!
    Emergency fund #16 £70/£1000
    Loan repayments: 16/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • Purplemumof2
    • By Purplemumof2 11th Oct 16, 7:41 PM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Thanks, I think I really need something to focus on or I'll get nowhere.

    Busy trying to think of which of my spare accounts I have, should be used for what. One thing is definite, I need to build up DH's ISA. He doesn't quite have a pension, so he's unlikely to retire, so I want to think of some way of trickling money in to it once the debt is low enough, by which time I'm hoping the other budget accounts and emergency fund has improved. I don't plan on telling DH about it until it's at a reasonable amount.

    DH has taken DS to the ATC introductory night, DH said it brings back memories especially as he was an instructor himself and one of his old mates is still instructing 20 odd years later
    Last edited by Purplemumof2; 12-10-2016 at 5:37 AM.
    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
    • Jumblerina
    • By Jumblerina 11th Oct 16, 10:58 PM
    • 193 Posts
    • 564 Thanks
    Jumblerina
    Love your 2017 goals PMO2 it's great to have a focus and you've got a really good mix there, good luck with them keeping everything crossed for you as you look for a permanent job.

    Jumblerina xxx
    • Bobarella
    • By Bobarella 12th Oct 16, 8:17 AM
    • 8,032 Posts
    • 51,476 Thanks
    Bobarella
    Hello PM02

    Sorry not to have been onto your diary recently. Especially as you have been so kind on mine.

    I'm also sorry to hear how you have been feeling so stressed. I recognise the feelings you mention & think it's a commonality among self employed/freelance/contractor folk.

    I think the advice given by Thistledown is spot on. No matter what happens you will cope. You have coped before and will again. It's a reassuring mantra isn't it.

    Great goals for 2017.

    Bob
    £790 to pay =70% repaid
    RR 2016 #2 December £2.08 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,236.99 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 12th Oct 16, 10:45 AM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Morning,

    Thanks everyone, it means a lot

    So I have been thinking about the Savings accounts and I have come to the following conclusion.

    It is going to take me a while to build them up...but I like a challenge so it gives me something else to work on next year lol.

    High interest one (pots account) - this one is going to be used for the Emergency Fund and anything car related
    My SA (1) - Gas and Electric
    My SA (2) - Home Insurance/Water Rates
    My SA (3) - Christmas and Birthdays
    DH SA (4) - Council Tax

    Just need to work out now, how much I think I need to save to build them up.
    Last edited by Purplemumof2; 12-10-2016 at 12:38 PM. Reason: Tweaking
    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
    • lcc86
    • By lcc86 12th Oct 16, 8:38 PM
    • 747 Posts
    • 1,241 Thanks
    lcc86
    Loving your 2017 goals PMO2, you're so organised!!
    1/12/14 total £9,140 Today £233 97.4% paid
    • Purplemumof2
    • By Purplemumof2 12th Oct 16, 9:20 PM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    you're so organised!!
    Originally posted by lcc86
    First time for everything
    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 12th Oct 16, 9:24 PM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    I think the advice given by Thistledown is spot on. No matter what happens you will cope. You have coped before and will again. It's a reassuring mantra isn't it
    Originally posted by Bobarella
    Thanks, it is. You're right 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
    • Purplemumof2
    • By Purplemumof2 12th Oct 16, 9:25 PM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Love your 2017 goals PMO2 it's great to have a focus and you've got a really good mix there, good luck with them keeping everything crossed for you as you look for a permanent job.

    Jumblerina xxx
    Originally posted by Jumblerina
    Thank you 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
    • Purplemumof2
    • By Purplemumof2 12th Oct 16, 9:44 PM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Stop the blooming wallowing!!!
    Right, yes I'm worried about the work situation but mainly because of the time of year. DC work is usually plentiful like most construction jobs, so I know there's something out there.

    Soooooo, enough of my wallowing and thank you for the support :

    I need to focus on the here and now and shine on site, so they want to, need to, must keep me

    Tomorrow is a new day, so I'll say goodnight. Free hugs galore to share too 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 14th Oct 16, 5:41 AM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Woo goo Friday today, very tired today too.

    Off to visit another site today to help one of the other project managers, the downside is that it's at Canary Wharf, so a job in itself to get there, then back over to my site later this afternoon.

    DS has officially signed up to cadets, so pleased he's got another interest.

    DD has a birthday swim/party to go to tomorrow, so need to get a card & present in the morning.

    Got lots to do tomorrow 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
    • Purplemumof2
    • By Purplemumof2 14th Oct 16, 6:31 AM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    MBNA have finally caught up and the minimum payment is showing online, as its after payday, I can pay another lump sum off 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 14th Oct 16, 6:42 PM
    • 105 Posts
    • 420 Thanks
    hugglemonster
    HI PM, sounds like a lot has been going on and it gets a bit overwhelming at times. Your goals for next year look great, I'm sure you'll be able to break them down into manageable chunks and be successful.

    Fingers crossed the job situation works itself out, great news that ds is going to cadets so many benefits for youngsters.

    H x (will catch up properly x)
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Purplemumof2
    • By Purplemumof2 14th Oct 16, 9:20 PM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Evening

    Hi Huggle so nice to see you back, soooo much has gone on I think i could write a book lol

    Lots of positivity thrown my way today from both Project Managers regarding what I've done in the two weeks I've been temping for them....on the upside, DH spoke to one of the directors of said sister company, who is hopefully looking in to me joining permanently.

    Director of company said to DH 'may be we do need a DC? Hmm, leave it with me'...read in to that what you will. Up shot is....I have very little confidence in myself or my ability to do my job, BUT I must be doing something? Right or wrong, so watch this space!!

    So, I think my post a few back was to stop moping or moaning? And I mean it, it's easy for me to get down hearted about things (I'm quite good about overthinking things) but I can't do anything at 1am onwards, when everyone but my brain is asleep
    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 15th Oct 16, 8:52 PM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Evening,

    Woke up today with the start of a crappy cold, DS had a slight one during the week and I think he's given it to me so I'm now tucked up in bed with a lemsip and water, my iPad and my book. Not good, I do not have time to be ill FFS!!!

    As a consequence not a lot of productivity was done today, washing up and some washing, collected DH's prescriptions and some other errands.

    I have however, had a serious think about our various savings accounts and have put on my spreadsheet which ones they are, what they are for etc and how much is in each account. I wasn't too happy that one of them had closed my account and not told me (naughty!), so I've had to apply for a new savings account with them.

    I'm also thinking about moving any interest accumulated over to the highest account? I know, small steps don't run before I can walk but thinking long term.

    DH is due some commission in November, it should be a fairly substantial amount, so I have told him one part in the savings, one part off the CC and the other bit spread over the bills.
    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
    • Bobarella
    • By Bobarella 15th Oct 16, 10:19 PM
    • 8,032 Posts
    • 51,476 Thanks
    Bobarella
    Get well soon PM02.
    £790 to pay =70% repaid
    RR 2016 #2 December £2.08 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,236.99 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 16th Oct 16, 8:19 AM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Morning,

    Still feeling crap but got lots to do that I didn't do yesterday.

    Need to check the quote for DH's car insurance, current one refuses to budge any lower than £150.

    Will go through the rest of the finances and see where we stand for the next two weeks.

    Back later
    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
    • PurpleFairy26
    • By PurpleFairy26 16th Oct 16, 10:45 AM
    • 1,337 Posts
    • 8,682 Thanks
    PurpleFairy26
    Hope you feel better PMO2
    CC1 paid off April '16. Debt on 0% card deal ends March '18, so DF date is also March '18, because we'll be saving the rest
    • Purplemumof2
    • By Purplemumof2 16th Oct 16, 12:16 PM
    • 3,931 Posts
    • 11,552 Thanks
    Purplemumof2
    Food shopping done, DD spent some of her money on CIN Blush bear that you can colour the t-shirt on.

    Filled the car up with diesel, so hoping it'll last a bit.

    Off to Dorking shortly as DS needs a new wheel for his scooter, as good as the local skatepark are, nothing out of there seems to last and costs a bomb...this place we go to in Dorking are helpful and friendly and their stuff lasts and doesn't cost the earth.

    Ironing to finish, DH did some whilst we were out and did the washing up. The lounge is tidy and been hoovered too, by him and DS and dinner to make.
    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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