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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 4,456Posts
    • 13,994Thanks
    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
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
Page 51
    • Purplemumof2
    • By Purplemumof2 12th Apr 17, 4:23 PM
    • 4,456 Posts
    • 13,994 Thanks
    Purplemumof2
    Hey,

    I have my driving course to attend to tomorrow, keeping everything crossed that it will go ok and I can finally move on. I have to be there for 8.15am and it finishes at 4.30pm.

    Gas and electric bills came through for the old house, these will have to go on the BC for the moment.

    MBNA is now down to 8150.00 so at least that's heading in the right direction.

    Card came through from the Water company with the website details so I can set up an online account. As we are on a water meter now I'm hoping that the minimum payment I can make won't be that high.

    On the plus side, DS got a free bus pass for his new school, so no more Zip cards to mess about with and that in itself saves us 65 a month, as that is what they charge over this way for the bus passes.

    TV is being installed tomorrow, sanity for the us as the kids will then have something to watch.

    Need to unpack more boxes this weekend and do a food shop as well as clean the house (it is filthy!)

    Will try and get a plan togather this weekend too so I know where we stand but will see how it goes.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 12th Apr 17, 5:09 PM
    • 10,553 Posts
    • 67,817 Thanks
    Bobarella
    Good luck with your course!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • boxofpaws
    • By boxofpaws 12th Apr 17, 6:57 PM
    • 352 Posts
    • 1,417 Thanks
    boxofpaws
    I'm gone for, like, a nanosecond and you've all moved and got a new house and everything.

    Congratulations, I bet it's wonderful. What a difference from a few weeks ago.

    Good luck with tomorrow, I reckon it'll be fun
    Debt 03/01/17 = 42000
    Debt today = 36933
    • Purplemumof2
    • By Purplemumof2 13th Apr 17, 7:15 AM
    • 4,456 Posts
    • 13,994 Thanks
    Purplemumof2
    Thanks Bob and Paws.

    Had a good nights sleep last night which has helped, I'm sure today will be fine, I've got to do it anyway so no point stressing about it.

    Will update later tonight if I get a decent signal on my phone. Xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 13th Apr 17, 9:45 AM
    • 2,453 Posts
    • 6,208 Thanks
    monz
    Dont over do it too much with boxes and enjoy your day xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • Purplemumof2
    • By Purplemumof2 13th Apr 17, 9:54 PM
    • 4,456 Posts
    • 13,994 Thanks
    Purplemumof2
    Evening,

    Hope my signal lasts.

    Today was a good day, the course was good. I think I got a lot out of it. Now I need to move on and get the rest of 2017 on track

    Water company sent their 'set up' bill today and previous owner popped round today with the smart meter that they thought would work in the new house but won't along with a bunch of keys

    DH moved boxes to the dump so now we've room. Yay!!

    Finally feeling in control xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 14th Apr 17, 11:49 AM
    • 486 Posts
    • 1,640 Thanks
    MistyMountainTop
    I'm so pleased for you that things have gone fairly smoothly! Are you enjoying your new house yet or is it still too chaotic?
    Current Weight Loss: 2/ 96
    • Bobarella
    • By Bobarella 14th Apr 17, 7:17 PM
    • 10,553 Posts
    • 67,817 Thanks
    Bobarella
    So pleased all is going smoothly!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • hugglemonster
    • By hugglemonster 17th Apr 17, 1:17 PM
    • 232 Posts
    • 1,132 Thanks
    hugglemonster
    Happy new house and happy wishes for the future!

    H x
    Debt: Overdraft 2 1200/550.00
    Overdraft 1 2200 Credit card 2200 Computer 646.52 - PAID!!
    Emergency fund: 0 London savings: 340
    • monz
    • By monz 18th Apr 17, 11:55 AM
    • 2,453 Posts
    • 6,208 Thanks
    monz
    So glad you are able to move on, you deserve all the best

    Hope you are settling in well <3 xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • Purplemumof2
    • By Purplemumof2 18th Apr 17, 4:32 PM
    • 4,456 Posts
    • 13,994 Thanks
    Purplemumof2
    Afternoon

    Just a quick post as I'm at work.

    Thanks for all your wishes

    The house is looking more reasonable now, although we still have lots of boxes left to unpack. The house is less chaotic.

    DS started his new school today and from what I can gather from DH he's made some new friends already and enjoyed his first day. DD starts tomorrow.

    DS starts with his new Cadet Squadron on Wednesday, just need to chase DD's Guides up.

    Changed address on DH's car policy and the premium went down by 30 Result!! Will change mine once I find the paperwork.

    DH went through the figures today and spoke to the new mortgage people and we've actually made money from the move despite paying for the removals men out of DH's bonus money...we made exactly 378.40 due to the change over on the mortgage and the move.

    This time next week the internet should be on and I can post proper updates and sort out my budget properly. I'm itching to get everything moving now.

    Still need to sort out water account and pay the start up fee, will dig that out tonight and get it paid tomorrow.

    Off to the old area on Saturday, I have the dentist (BOO!) and we have several things to drop off to people that we have no use for now. Still kids are happy, they're going to see their friends one last time.

    I have meal planned and cooked over the weekend, and everything should be about sorted food wise this week, I know DH is holiday this week but I'm trying to get in to a routine as I don't get home now til 7pm.

    I think that's it update wise so far.

    Hope everyone is okay? I will surf the other diaries once I get a proper connection at home, so please don't think I'm ignoring you. xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 22nd Apr 17, 10:50 PM
    • 4,456 Posts
    • 13,994 Thanks
    Purplemumof2
    Just a vent as I've been in tears tonight.

    Seems ds's gf has passed on 'our' numbers and we've been spammed. Mega long story but I think dd is worried now too. Ds's gf tonight has proved from various conversations that she's manipulative & that she turns conversations round so ds is at fault.

    Today we had a good day, went back to the old town, dropped kids off so they could have time with their friends & I could do some drop offs.

    Apart from the good bits, I wish I'd stayed in bed.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 23rd Apr 17, 1:02 AM
    • 10,553 Posts
    • 67,817 Thanks
    Bobarella
    Wow how horrible hon. She sounds a bit troubled..
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • MistyMountainTop
    • By MistyMountainTop 23rd Apr 17, 10:46 AM
    • 486 Posts
    • 1,640 Thanks
    MistyMountainTop
    I don't really understand what happened but I am sending positive thoughts your way. I hope your son is able to leave the gf behind, she sounds like a nightmare xx
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 23rd Apr 17, 10:25 PM
    • 4,456 Posts
    • 13,994 Thanks
    Purplemumof2
    Long story but ds's gf wheedled in between him & previous gf & split them up, since then she's been a nightmare. Don't get me wrong she's always been polite & nice but that's as far as it went.

    Last night it all kicked off. She was twisting things so she wasn't at fault but ds was. Tonight it ended. Today Ds told her it was over and her true colours came out then, nothing but abuse, threatened to pass my mobile number on to everyone.

    I really feel for ds as he's been sucked into her way of thinking and everything is our fault, hope that he'll settle down a bit.

    Sorry
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 23rd Apr 17, 11:39 PM
    • 10,553 Posts
    • 67,817 Thanks
    Bobarella
    Sounds stressful. Really hope things settle down in the coming week.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • Pink_Giraffe
    • By Pink_Giraffe 24th Apr 17, 8:06 AM
    • 182 Posts
    • 1,391 Thanks
    Pink_Giraffe
    Hi! I've read this from start to finish over the weekend, and I just wanted to say congrats on all the positive changes you've made in the last 6/7 months. You might not see it as much from day to day but it looks like you've made some huge steps since this DFD began
    Sorry to hear about your son's gf, she sounds like a bit of a nightmare. Hopefully now you're in your new place he can move on! Happy new house, looking forward to your next update, and when I can find the right thing to click I'll be subscribing!
    • monz
    • By monz 24th Apr 17, 9:57 AM
    • 2,453 Posts
    • 6,208 Thanks
    monz
    omg hope you DS is ok and DD. What a nasty little girl!! No need xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • MistyMountainTop
    • By MistyMountainTop 24th Apr 17, 11:22 AM
    • 486 Posts
    • 1,640 Thanks
    MistyMountainTop
    What a nightmare. I suppose it's one of life's lessons for him, he'll probably be much more careful in the future. I hope she no longer bothers you or your family.

    Can't she get in trouble for passing on mobile numbers - isn't a form of harassment? If people do bother you I wouldn't think twice about getting the police involved.
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 24th Apr 17, 1:12 PM
    • 4,456 Posts
    • 13,994 Thanks
    Purplemumof2
    Thanks everyone, DS seems a bit better this morning after the weekends shenanigans, I'm going to reiterate to him tonight that we're not mad at him. Ex-GF seems to have gone quiet. I don't mind if he wants to remain friends but that's as far as we'll allow.

    My diary went off topic again and I'm sorry but really needed to vent over the weekend, hopefully my mobile bill won't be massive as a result.

    So time to get back on track.

    DH is at home today, although he had last week holiday, the broadband is due to be installed today and he wants to be there if anything happens.

    Pay day for both of us this Friday.

    Water account is now up and running, hopefully the first payment won't be too much, they base it on the previous occupiers and they were a couple with three small boys, so we'll see.

    Council have been notified that we've moved in, just waiting to hear from them regarding setting up the DD for it, it takes 10 working days to process it, at the most we'll be a month in arrears.

    All change at work, I'm being moved out to site, not too happy about it as that wasn't the deal but as it now costs more and takes longer to get to work, I think I may be in contact with the agencies again and get some where nearer home.

    Need to think of a plan for the rest of the year, I know I keep repeating the same thing but I'm making sure I don't forget and that it remains at the top of the agenda moving forwards. I think that this weekend will be the time to go through the budget.

    Nothing major in May coming up, we have a birthday and our anniversary but we also have DS's birthday coming up at the end of June, just before payday so need to factor that in May some how.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
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