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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 5:58 AM
    • 4,307Posts
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    Purplemumof2
    Back in debt but not out
    • #1
    • 2nd Aug 16, 5:58 AM
    Back in debt but not out 2nd Aug 16 at 5:58 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
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
Page 45
    • Purplemumof2
    • By Purplemumof2 9th Mar 17, 5:37 AM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    Morning,

    Soooo tired this morning, looking forward to the weekend.

    DD came home from Guides with a note to say that next week she's making her promise she'll be a fully fledged Guide when we move

    Busy evening this evening, DS's Options evening and DD's Parents evening, won't be home until at least 8pm.

    Paperwork regarding housey stuff, signed. DH going to get witnessed and sent off today.

    Lunch made today and snacky bits for work, I think once I get into the momentum of it, it'll be ok. Saves us money in the long run.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • TalesfromtheAvenue
    • By TalesfromtheAvenue 9th Mar 17, 9:02 AM
    • 42 Posts
    • 156 Thanks
    TalesfromtheAvenue
    It all sounds like it's moving very fast now! You'l be in the new place and settled before you know it xx
    • monz
    • By monz 9th Mar 17, 10:45 AM
    • 2,313 Posts
    • 5,059 Thanks
    monz
    It is all coming together now xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £665 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
    • Purplemumof2
    • By Purplemumof2 9th Mar 17, 11:40 AM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    Not a NSD today, bought DS's friend a birthday card as he had a birthday yesterday...DS was invited round last night but only asked up the night before about it **facepalm** So card bought and £5 to go in it all sorted.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 9th Mar 17, 9:40 PM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    I hate busy nights but tonight's was kind of a good thing.

    Turned up for DS's Options Evening, it was chaos! I'm sure farmers herd cattle better! however looking at DS's new secondary school, they offer more Options wise. Why they now do it at Year 8 I don't know. It was good though that his German teacher rang the praises of DS.

    Went to DD's parents evening, nothing mentioned to us by DD's teacher regarding the move. They rang her praises and confirmed she's improved in leaps & bounds based on the practise SATs tests.

    We spoke to DD's headteacher about the Year 6 Prom, he has said that he would love for DD to come back then and will make the PTA know, he mentioned that the new school hadn't been in touch with them, which is strange but is ok for DD to go to new school for Open Visit.

    Busy weekend this weekend, both kids have the opticians on Saturday and I'm meeting my friend (with DD in tow) on Sunday, I need to try & catch up with my lovely friend & his wife before we move.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 9th Mar 17, 10:11 PM
    • 10,103 Posts
    • 64,643 Thanks
    Bobarella
    Sounds like both children got great reviews!
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • Purplemumof2
    • By Purplemumof2 10th Mar 17, 5:28 AM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    Yay! It's Friday, at last it's been a long week.

    DD is walking home from school today.

    I can buy my lunch today as I've got money left out of my allowance.

    Forgot to mention last night, I received a letter from Children's Services asking if I want to take part in free childcare trial for DD, not only has it come at the wrong time due to the move but DD is coming out of needing childcare.

    Three weeks to payday, love the Moneyhub app I downloaded, it really makes you think about spending. I think I will pay for the year when my trial runs out.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 10th Mar 17, 11:41 AM
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    Purplemumof2
    Feeling frustrated!! The buyer wants a roofer to come over and have a look at the roof, it should be ok but it feels like more delay and worry.

    I just want to move! don't they know that?!?!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 10th Mar 17, 8:44 PM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    Feeling frustrated!! The buyer wants a roofer to come over and have a look at the roof, it should be ok but it feels like more delay and worry.

    I just want to move! don't they know that?!?!
    Originally posted by Purplemumof2
    DH said tonight that the survey mentions loose tiles and no air vent. There is an air vent, so I think the surveyor didn't look properly. The buyers lost their previous house and if they're not careful we're going to be hanging on until the end of term (ie July) we'll end up putting the house on the market again!

    I really don't want to lose this house, I love it and it'll be good for us as a family.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 11th Mar 17, 7:52 AM
    • 4,307 Posts
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    Purplemumof2
    Morning and happy Saturday

    DH & the kids are going shopping later for non-birthday related stuff, DD told me it's my birthday on Tuesday and I think the kids are more excited than me

    Spoke to my friend (chair of the school PTA) and explained about the Head agreeing to DD coming back for the Prom, so all that's in hand.

    DH going to pop in and see the EA about the buyers and see what they say, I think now I've slept on it that we may be panicking for nothing but it helps to talk to them.

    The solicitors rang DH to let him know that they'd received the forms back and that everything upstream is now ready.

    Kids have the opticians this afternoon and a visit to the pub to watch the rugby later is in order.

    Other things this weekend include:
    Meeting my friend for lunch tomorrow with DD, DS I don't think wants to come, I'll show her the new house too.
    Order the kids uniforms, this is the last weekend I can do it.
    Food shopping - should be fairly cheap as we've got most bits
    Meal plan
    DD's homework needs doing
    Need to sort out plan for next week, including weekly allowance
    Ironing needs doing

    Back later with an update.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 12th Mar 17, 6:21 AM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    Morning,

    Busy day yesterday, food shopping wise I managed to get enough to last the next two weeks, should only need a top up.

    Took kidlings to the Opticians. DD still doesn't need glasses but DS's have changed slightly, first time in two years, so new glasses needed £47 in total.

    Subway for lunch, which was nicer than the originally proposed KFC.

    Went to the EA and got a copy of the structural survey (buyers permission granted) a whole lot of worry for nothing, the issue about the roof shows the surveyor didn't look properly as DH took photos to show there isn't the problem they thought. These have been passed on to the EA and if needed they'll pass them on, just waiting to see what the roofer says.

    The other main issues were:
    Some Missing tiles and some ridge tiles need repointing
    Render missing from hardstanding wall
    Windows old and need replacing

    So all in all, as the house is 80+ years old, I don't think that it's too bad.

    Sorry if I'm boring at the moment over the house/move. Just it gives me something to look back on in a few months to remind me we did it.

    Found an Easter egg yesterday, it was just on the floor by a bench outside a shop. I did wait to see if anyone came back for it but no one did, so when we've moved I'll share it between the kids as I don't like Creme Eggs.

    On to today:
    Meeting my friend for lunch
    Sort dinner out for tonight - DONE
    DD homework - DONE
    Lunches for tomorrow
    Order kids uniforms - DONE
    Meal plan for the week
    Finish the ironing - DONE
    Weekly allowance for next week

    Back later
    Last edited by Purplemumof2; 12-03-2017 at 10:17 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 12th Mar 17, 10:08 AM
    • 429 Posts
    • 1,395 Thanks
    MistyMountainTop
    Not boring at all. I'm excited for you!
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 12th Mar 17, 10:30 AM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    Not boring at all. I'm excited for you!
    Originally posted by MistyMountainTop
    Thanks lovely. How're you doing? Xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 12th Mar 17, 10:38 AM
    • 4,307 Posts
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    Purplemumof2
    Have bought the kids new uniforms for their new schools.....£145 has gone on the BC. That should be it for a while and it can remain in the background while I concentrate on the MBNA.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 12th Mar 17, 10:57 PM
    • 10,103 Posts
    • 64,643 Thanks
    Bobarella
    Uniform is so expensive! No chance of a second hand sale at either new school?
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • Purplemumof2
    • By Purplemumof2 13th Mar 17, 5:30 AM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    Uniform is so expensive! No chance of a second hand sale at either new school?
    Originally posted by Bobarella
    DD's wasn't too expensive that was £40, DS's was the worst as its secondary school but what we've got him should last him until Year 10, he'll probably only need a new blazer and tie.

    DD will however need her secondary school uniform but I'm hoping once we're settled, I can fund it by selling off her new primary school uniform as it'll only be 3-4 months old.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 13th Mar 17, 6:02 AM
    • 4,307 Posts
    • 12,945 Thanks
    Purplemumof2
    Monday
    Morning,

    Off to DD's school this morning, we think she may have had Slapped Cheek the latter part of last week, although her cheeks weren't red on Saturday, she does have a rash on her arms but no symptoms of Slapped Cheek? I think it's viral as it goes down with antihistamine.

    So on to this week:
    DD becomes an official Guide on Wednesday
    Out for drinks on Thursday after work as colleague leaving
    Oh and it's my birthday tomorrow so need to get cakes for the office

    Aiming for a very low spend week this week.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • VelvetFreak
    • By VelvetFreak 13th Mar 17, 7:24 AM
    • 77 Posts
    • 195 Thanks
    VelvetFreak
    Happy Birthday week!!! Sounds like you're in for a busy one. And congrats to your DD becoming a guide
    Family Loan $3651/$8000 = -$4639
    Emergency Fund $1375/$10,000
    Mini Cash Savings = $10/$100
    • doingitanyway
    • By doingitanyway 13th Mar 17, 9:21 AM
    • 1,334 Posts
    • 5,477 Thanks
    doingitanyway
    Happy birthday
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=10,950
    MORTGAGE FREE 25/07/16
    • monz
    • By monz 13th Mar 17, 11:00 AM
    • 2,313 Posts
    • 5,059 Thanks
    monz
    Happy birthday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £665 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
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