Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 4,155Posts
    • 12,422Thanks
    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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
Page 14
    • Purplemumof2
    • By Purplemumof2 16th Oct 16, 2:28 PM
    • 4,155 Posts
    • 12,422 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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • hugglemonster
    • By hugglemonster 16th Oct 16, 4:21 PM
    • 180 Posts
    • 870 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: Overdraft 2 1200/1200
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 Holiday spends: 0
    • Jumblerina
    • By Jumblerina 16th Oct 16, 4:35 PM
    • 193 Posts
    • 601 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
    • 4,155 Posts
    • 12,422 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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 16th Oct 16, 7:59 PM
    • 9,601 Posts
    • 61,990 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.
    389 Debt free by 31/03/17 or bust
    Roadkill 17 48.32 2016-62.28 2015- 84.20)
    RYSAW17 986.30 2016 2,535.16 2015 1027.20
    PAYDBX 7 #386/760 to go!!
    NST Feb1 3/15
    • Purplemumof2
    • By Purplemumof2 17th Oct 16, 5:31 AM
    • 4,155 Posts
    • 12,422 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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • debtaghh
    • By debtaghh 17th Oct 16, 7:17 AM
    • 432 Posts
    • 1,121 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
    • 9,601 Posts
    • 61,990 Thanks
    Bobarella
    Oh bless you I am sorry. Rest up. Hope you feel better.
    389 Debt free by 31/03/17 or bust
    Roadkill 17 48.32 2016-62.28 2015- 84.20)
    RYSAW17 986.30 2016 2,535.16 2015 1027.20
    PAYDBX 7 #386/760 to go!!
    NST Feb1 3/15
    • hugglemonster
    • By hugglemonster 17th Oct 16, 7:31 PM
    • 180 Posts
    • 870 Thanks
    hugglemonster
    Have a good night's sleep and hope you're feeling a bit better in the morning.

    H x
    Debt: Overdraft 2 1200/1200
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 Holiday spends: 0
    • Purplemumof2
    • By Purplemumof2 17th Oct 16, 7:45 PM
    • 4,155 Posts
    • 12,422 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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 18th Oct 16, 2:51 PM
    • 4,155 Posts
    • 12,422 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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 18th Oct 16, 5:12 PM
    • 2,198 Posts
    • 4,736 Thanks
    monz
    Hope you feel better soon!xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 125 $30 (RBS Rewards 6.98)
    Gym 1/15 Feb
    house deposit 5,200.09/10,000
    Xmas 2017 - 94/365 No.35
    • hugglemonster
    • By hugglemonster 18th Oct 16, 8:10 PM
    • 180 Posts
    • 870 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: Overdraft 2 1200/1200
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 Holiday spends: 0
    • Purplemumof2
    • By Purplemumof2 18th Oct 16, 8:35 PM
    • 4,155 Posts
    • 12,422 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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 18th Oct 16, 10:13 PM
    • 9,601 Posts
    • 61,990 Thanks
    Bobarella
    Great to have that starting place for 2017. And you may well clear it sooner.
    389 Debt free by 31/03/17 or bust
    Roadkill 17 48.32 2016-62.28 2015- 84.20)
    RYSAW17 986.30 2016 2,535.16 2015 1027.20
    PAYDBX 7 #386/760 to go!!
    NST Feb1 3/15
    • Purplemumof2
    • By Purplemumof2 18th Oct 16, 11:11 PM
    • 4,155 Posts
    • 12,422 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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Thistle-down
    • By Thistle-down 19th Oct 16, 12:43 PM
    • 912 Posts
    • 3,127 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
    • 4,155 Posts
    • 12,422 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: 8450.00 Overdraft: 2750.00


    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 19th Oct 16, 6:47 PM
    • 9,601 Posts
    • 61,990 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.
    389 Debt free by 31/03/17 or bust
    Roadkill 17 48.32 2016-62.28 2015- 84.20)
    RYSAW17 986.30 2016 2,535.16 2015 1027.20
    PAYDBX 7 #386/760 to go!!
    NST Feb1 3/15
    • MrsSave
    • By MrsSave 19th Oct 16, 8:27 PM
    • 1,039 Posts
    • 3,200 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 #16 370/1000 Other Savings 198
    Loan repayments: 16/60 Overpayment total: 25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,042Posts Today

7,735Users online

Martin's Twitter
  • Today's twitter poll: Forget 5 a day they now say to live longer we need 10 portions of fruit/veg a day. How many do you usually have?

  • Yes very much so. And they've already done so. Had it hit a small child not me at that height and velocity it would? https://t.co/RmQGURgJJG

  • They've been very nice and stuff happens. So I'm not naming (or suing) them https://t.co/jqL9pIwzWz

  • Follow Martin