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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 3,924Posts
    • 11,525Thanks
    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 14
    • Purplemumof2
    • By Purplemumof2 16th Oct 16, 2:28 PM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Quite a spendy month this month, but sometimes that's how it goes and in the long run, it'll work in our favour.


    Changed DH's car insurance over, he just needs to cancel the old one from renewal, did it via Quidco so £2.20 to come from them. I'd rather pay £76.83pm as opposed to £118.45 I often forget about Quidco, I think I need to start using them more often.


    I forgot to mention earlier that when I went food shopping I won 2000 points from Sainsbury's not had that before and I also got some useful vouchers for a change.
    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, 4:21 PM
    • 102 Posts
    • 402 Thanks
    hugglemonster
    Hope you're feeling a bit better and can have a rest in your busy day. Good news on the car insurance, all cashback helps plus the 2000 points is a nice bonus too.

    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Jumblerina
    • By Jumblerina 16th Oct 16, 4:35 PM
    • 188 Posts
    • 551 Thanks
    Jumblerina
    Great to see you back on track PMO2 - keeping my fingers crossed you get that permanent job sorry you've had a cold, it's that time of year hope you're feeling better good work on the insurance and shopping points, hope it's a sign of good things to come for you!

    Jumblerina xxx
    • Purplemumof2
    • By Purplemumof2 16th Oct 16, 7:53 PM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Thanks ladies

    I'm okay, just feeling rather poo! Early night again tonight I think, I'll be sorted by tomorrow.

    Dinner done & eaten, lunches made for tomorrow.

    Meal plan done for next week, just need to pre make some stuff the night before in preparation for the next day as DS has cadets Tues/Thurs and DD has Guides Weds night.

    Need to pick up a taco mix tomorrow for dinner and birthday cards for SIL and BIL, so should be a LSD.
    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 16th Oct 16, 7:59 PM
    • 7,966 Posts
    • 51,192 Thanks
    Bobarella
    Sains do seem to be doing loads of points at the moment. I have had 2 500 point vouchers and now a 1000 today.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 17th Oct 16, 5:31 AM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Morning,

    Feeling pants this morning, lemsip & cough mixture day I think, could do with my bed.

    DH taking the kids to school and picking up DD this afternoon, so money saved from the CM he's got physio today so working from home. Need to remind him to cancel his car insurance today.

    Not much else to report. Have a great day 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 17th Oct 16, 7:17 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Hope you feel better 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)
    • Bobarella
    • By Bobarella 17th Oct 16, 5:02 PM
    • 7,966 Posts
    • 51,192 Thanks
    Bobarella
    Oh bless you I am sorry. Rest up. Hope you feel better.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • hugglemonster
    • By hugglemonster 17th Oct 16, 7:31 PM
    • 102 Posts
    • 402 Thanks
    hugglemonster
    Have a good night's sleep and hope you're feeling a bit better in the morning.

    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Purplemumof2
    • By Purplemumof2 17th Oct 16, 7:45 PM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Thanks, think it's just doing the rounds. PM told me to bring my laptop home & work from home if I'm still bad tomorrow, I may take him up on that offer!

    LSD today, bought some flu capsules, took lunch to work so happy that way, so overall not too bad.

    One of the agencies rang, so I need to call them back tomorrow.

    All in all, an rather dull day.
    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 18th Oct 16, 2:51 PM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Hi,

    Still bunged up but not feeling as crap as I did, so I'm heading out of the cold.

    LSD today but did bring my lunch in to work again.

    Thinking about payments towards the end of the year and I am thinking:

    £200 - This month
    £250 - Next month
    £100 - just over the minimum payment for December.

    This should just put us on £8500 to start 2017, which I have worked out if we pay £250pm we should clear the debt in 2 years and 8 months

    Less time if I get my finger out!!!
    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
    • monz
    • By monz 18th Oct 16, 5:12 PM
    • 1,925 Posts
    • 4,050 Thanks
    monz
    Hope you feel better soon!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 - 0/365 No.35
    • hugglemonster
    • By hugglemonster 18th Oct 16, 8:10 PM
    • 102 Posts
    • 402 Thanks
    hugglemonster
    Glad you're on the mend but make sure you still get plenty of rest.


    Good plans to start 2017, will the £250 be from your usual payments or include some extra overpayments?


    I can't believe it's only 2 paydays before Xmas, 2016 has flown by more than usual!


    H x
    Debt:
    Computer £646.52 - now £360
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Purplemumof2
    • By Purplemumof2 18th Oct 16, 8:35 PM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Thanks Hun.

    The £250 will include overpayments as if it was the Barclaycard I was paying. Normal payment now with the MBNA is £90.

    2016 has gone so fast, I'm shocked by how my year has changed, still 2017 will be better.

    DH cancelled his car insurance from renewal, so I can stop worrying about that.

    Stuff out of the freezer ready for defrosting for dinners over the next few days.

    I think the gas and electric is due next month, so my planned payments may need to be adjusted but we'll see.
    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 18th Oct 16, 10:13 PM
    • 7,966 Posts
    • 51,192 Thanks
    Bobarella
    Great to have that starting place for 2017. And you may well clear it sooner.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 18th Oct 16, 11:11 PM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Great to have that starting place for 2017. And you may well clear it sooner.
    Originally posted by Bobarella
    I really hope so Hun. 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
    • Thistle-down
    • By Thistle-down 19th Oct 16, 12:43 PM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    I hope you're feeling much better.

    Has there been any word on the current place keeping you on longer?
    • Purplemumof2
    • By Purplemumof2 19th Oct 16, 5:56 PM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Feeling rather bleurgh and tired today. On the upside the CM is bringing DD home, however I do need to walk her to Guides, because if I move my car now, I'll lose my spot and that will make it harder for DH to park on the hard standing as they're an inconsiderate lot on my road!

    Spoke to Director today, he mentioned DH's conversation last week & he's told me he'll see what he can do. The other 12 month job with DH's company looks promising too, they've only had one other cv in (secretly hoping the other person pulls out! How mean is that?!? )

    Came home to a letter from HMRC to tell me I didn't pay enough tax 2015-2016 and now owe them £600+, they'll take it out of my salary so no major panic but I'm feeling like it's one step forward and three back
    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 19th Oct 16, 6:47 PM
    • 7,966 Posts
    • 51,192 Thanks
    Bobarella
    My OH got a letter like that too. In his case it seems to relate to medical cover his work started providing in April which has affected his tax situation. Thankfully it will just be taken by the month via his salary. In the bad old days I ended up owing HMRC £3,500 and had to repay it at £330 a month till it was clear. That was awful.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • MrsSave
    • By MrsSave 19th Oct 16, 8:27 PM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    Sorry you're not having a brilliant day and are feeling fed up. The tax bill sucks, but you know you'll get there in the end.
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
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