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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 5,076Posts
    • 16,708Thanks
    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: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
Page 55
    • Purplemumof2
    • By Purplemumof2 14th May 17, 9:07 AM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    Yawwwnnn! Can't believe it's Sunday already.

    Forgot to mention yesterday, the CT bill arrived yesterday.....£2331.63 but the DD has been set up, so it's manageable. Next year I'll ask for it to be spread over 12 months if not already done so.

    All the washing dried yesterday, bar a little bit that was damp.

    DH has done some of the ironing this morning, just a few bits to do.

    There's a classic car show on in one of the local towns today, so we may venture over there for a look.

    I need to go to Sainsburys this morning for a few meat bits for the next two weeks, pay day I can get the rest.

    I had a big long think about things yesterday and I'm feeling quite positive about things in the short term, just need to get the long term plans sorted. My MSE head is back.

    Have a good Sunday peeps
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 15th May 17, 9:31 PM
    • 10,473 Posts
    • 69,440 Thanks
    Bobarella
    Hope you've had a good start to the week.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Purplemumof2
    • By Purplemumof2 16th May 17, 5:25 AM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    Morning,

    Yesterday didn't quite go as planned, last night we or rather DH rang the police for some advice on what to do about DS's ex-gf. Can't say too much at the moment but they're taking it very seriously and someone will call back in the next 3-4 days.

    Sunday we ended up walking around Virginia Water, 6 miles and I'm still knackered now. Think I'm getting old

    DH has his salary review and catch up today, he's adamant that they'll say his performance has slipped. I told him that, that was due to the move and the little b!tch. Will find out this afternoon, just what if any pay rise he'll get.

    Keeping an eye on the finances, I'll do them again at the weekend, just to see where we're heading this month.

    Should only need a small top up shop this week too. Next month I'll keep a better handle on the food shop.

    Need to buy my travel card and parking today. Roll on payday, I'll buy it for the month and that should save me a bit.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 16th May 17, 6:10 AM
    • 4,775 Posts
    • 20,836 Thanks
    Hiddenidenity
    I'm glad you've got the police involved she sounds crazy! I hope they help x have a nice day
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 16th May 17, 10:27 AM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    Thanks HI, we only really rang for advice due to a lot of other things kicking off over the weekend and they took it very seriously. Hopefully things will now cease once they get stuck in! x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 16th May 17, 10:42 AM
    • 10,473 Posts
    • 69,440 Thanks
    Bobarella
    Im so sorry to hear you are having real issues with this girl. It must be very stressful. And not the new start you want. Sometimes once the police are involved it can calm a situation down. We had to with a neighbour at one point. It also helped knowing we had a community liason person to speak to.

    Thinking of you.

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • monz
    • By monz 16th May 17, 10:47 AM
    • 2,730 Posts
    • 7,675 Thanks
    monz
    omg so sorry to hear you are having to deal with that especially your DS!! Here anytime you need to talk and keep strong <3 He is very lucky to have you and your hubby there for him XXXXX
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50 sisters xmas vouchers topshop (surveys ) 0/30 Dads xmas voucher amazon (surveys) 0/25
    holiday - £100/1064.72
    Australia 2019 - /5000
    • Purplemumof2
    • By Purplemumof2 16th May 17, 11:04 AM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    Thanks Bob and Monz. Monz I may hold you to that xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 16th May 17, 11:13 AM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    I have just done a quick reccy of the finances and what is due to come out over the next two weeks.

    At the beginning of the month I transferred over a certain amount to cover whats coming out at the end of the month, DH also has his expenses due to be paid in, all thats left comes out this month is before I get paid.

    Apart from food, we may possibly have some money left over, may only be £200 but as June is technically a 5 week month, I will keep this seperate to use as a buffer for next month, if it doesn't get used first.

    If and it is a big if, DH gets a pay rise, we could have anything from £100 pm to £200 pm extra but will wait and see tonight what comes from his pay review. I can then work that in to the budget at the weekend based on when he's likely to get it (if he does at all).
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 16th May 17, 11:17 AM
    • 2,730 Posts
    • 7,675 Thanks
    monz
    Anytime

    Oh good luck! Hopefully its the latter of £200 xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50 sisters xmas vouchers topshop (surveys ) 0/30 Dads xmas voucher amazon (surveys) 0/25
    holiday - £100/1064.72
    Australia 2019 - /5000
    • TalesfromtheAvenue
    • By TalesfromtheAvenue 16th May 17, 11:31 AM
    • 93 Posts
    • 342 Thanks
    TalesfromtheAvenue
    I'm glad too you involved the police PMo2, she sounds like a nasty character and completely crazy, esepcially as she continues to carry on with the abuse. Fingers crossed they sort it out for you asap, must be stressful.

    Fingers crossed for the payrise too xx
    Debt Free
    Savings targets:
    Emergency fund: £412.67/£1000
    Holiday fund: £30/£353
    Mortgage overpayments: A/C 01: £0/£340 A/C 02: £0/£2364
    • MistyMountainTop
    • By MistyMountainTop 16th May 17, 11:42 AM
    • 603 Posts
    • 2,062 Thanks
    MistyMountainTop
    What a nightmare with the girl, does your son see her for what she is now? Contacting the police was a good move, especially as if she tries anything else there will be a record of previous behavior.

    Fingers crossed for the raise - what a nice thing that would be!
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 16th May 17, 12:42 PM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    Thanks Ave and Misty xx

    Hopefully the payrise will be a good one, we certainly need some luck at the moment.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 16th May 17, 2:31 PM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    DH just messaged me about his payrise....he will end up with an extra £167pm take home I'm very proud of him, he's bust his balls so hard this past year, so I'm happy.

    It will also be in this months pay packet too.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 16th May 17, 2:43 PM
    • 603 Posts
    • 2,062 Thanks
    MistyMountainTop
    Brilliant news!!!
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 17th May 17, 5:31 AM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    Morning,

    Happy Hump Day

    I've been thinking about that extra money pm and want to put some of it to use.

    So depending on how the finances look once I've done them, I'm going to allocate £50pm to an Overdraft fund, I'll set up a pot on my Principality account for it, and will gradually increase it once the main debt has gone down.

    Need to do more thinking about things but at the moment I need to get dressed and ready for work. Back later
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 9:59 AM
    • 4,775 Posts
    • 20,836 Thanks
    Hiddenidenity
    Morning hump day it is! Will soon be weekend
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • monz
    • By monz 17th May 17, 10:18 AM
    • 2,730 Posts
    • 7,675 Thanks
    monz
    amazing news! Any word on other thing? Mail me if there is Been on my mind that all last night <3 xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50 sisters xmas vouchers topshop (surveys ) 0/30 Dads xmas voucher amazon (surveys) 0/25
    holiday - £100/1064.72
    Australia 2019 - /5000
    • Purplemumof2
    • By Purplemumof2 17th May 17, 10:42 AM
    • 5,076 Posts
    • 16,708 Thanks
    Purplemumof2
    amazing news! Any word on other thing? Mail me if there is Been on my mind that all last night <3 xx
    Originally posted by monz

    Thanks Hun, no news yet. All quiet so far. xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 17th May 17, 10:54 AM
    • 10,473 Posts
    • 69,440 Thanks
    Bobarella
    DH just messaged me about his payrise....he will end up with an extra £167pm take home I'm very proud of him, he's bust his balls so hard this past year, so I'm happy.

    It will also be in this months pay packet too.
    Originally posted by Purplemumof2
    Amazing!!!!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
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