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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 4,764Posts
    • 15,214Thanks
    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: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
Page 56
    • Purplemumof2
    • By Purplemumof2 17th May 17, 7:38 PM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    DH on his way back from Cambridge, DS at Cadets and just about to collect DD from the fire station as the Guides are doing their Fire badge (another one to sew on! The joys!)

    Cheesy potatoes have been made ready to go with the HM marinated pork for dinner tomorrow.

    Washing up done, one load in TD and a load just finishing in the washer as DS in his wisdom says he needs his pe kit for tomorrow *rolls eyes*

    Got DD's forms to fill out for Secondary school through, they must have them back no later than Monday (nothing like a bit of notice!)

    Need to sort my list for the weekend and buy DH an anniversary card for Monday.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 8:16 PM
    • 3,874 Posts
    • 15,408 Thanks
    Hiddenidenity
    Busy day!

    Secondary school forms how scary how time fly's eh?

    All looking good and your dinner sounds delicious!

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £65 Amazon
    • Purplemumof2
    • By Purplemumof2 17th May 17, 10:25 PM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Forgot to add DS left his travel pass on the coach, rang the company and if the driver has it, it'll be there tomorrow, if not he's allowed on the coach until his new one arrives.

    DD enjoyed Guides tonight and has earned herself another badge. Very pleased with herself....you can imagine my enthusiasm at that! Still she had fun and I'm happy about that.

    DS got told about an update regarding the shenanigans recently and hopefully is on board. He also enjoyed cadets tonight, so that's good. PE kit is dried and ready for tomorrow too.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 18th May 17, 9:41 AM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Morning,

    DS's bus pass turned up, so he's super happy now. Things at home seem to be settling down a bit too.

    Financial wise, I'm checking the bank account daily to see whats changed, also waiting on DH's expenses to go in - that will either be tomorrow or Monday.

    Need to get a few bits from Tesco tonight, the other bits I can get at the weekend.

    Need to check the Home Insurance as they've not taken May's DD yet?
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 9:54 AM
    • 3,874 Posts
    • 15,408 Thanks
    Hiddenidenity
    Morning

    Good to hear things are settling down let's hope it stays that way! Good news about the bus pass too.

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £65 Amazon
    • Purplemumof2
    • By Purplemumof2 18th May 17, 9:58 AM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Morning HI, brand new start!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 18th May 17, 10:04 AM
    • 553 Posts
    • 1,863 Thanks
    MistyMountainTop
    So glad that things are working out. Do you think the call to the police has helped at all?
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 18th May 17, 10:09 AM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Just checked the policy documents online and the next payment should be next week, so I'll keep a check and see if it does. Due to a mix up with policies, I cancelled one DD and triple checked that it was the right one I was cancelling before I did it. Will ring them if nothing happens next week.

    Need to get my list sorted for the weekend over today and tomorrow.

    We have some sunshine this end too, so I think I'll go for a walk at lunchtime and pick up DH's card.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 18th May 17, 10:14 AM
    • 2,578 Posts
    • 6,788 Thanks
    monz
    You are doing amazing <3
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • Purplemumof2
    • By Purplemumof2 18th May 17, 2:14 PM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Thanks Monz xx

    Bought DH's anniversary card £3 from Sainsbury's, good job he's worth it lol

    I have my list prepared for the weekend:

    * Check finances & update spreadsheet
    * Change beds
    * Find my insurance policy for my car - in the paperwork box, somewhere hidden in the garage! - Priority
    * Sort out the 'plastic' cupboard in the kitchen - this is where the tupperware and the mountain of kids water bottles are. Need to bin most of the bottles.
    * Sort through my old photo frames that are currently taking up space in the conservatory. Most of them are broken, so can be dumped if I sort them out
    * Mini food shop
    * Washing - Hang out if nice weather again
    * Ironing
    * Sort kids clutter on top of bookcase in dining room
    * Clean bathrooms
    * Mop floors

    That should keep me busy for a bit, I also may need to find time to do a batch cook but will see.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 18th May 17, 3:36 PM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Well....that was interesting, just had a message from a recruitment agency on Linkedin regarding a job. The job is a DC role but solely based on software that I know like the back of my hand and is also to implement it across the company. It's a shed load more money than I am on now too.

    Seriously considering applying for it, its still in central london though.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 18th May 17, 3:46 PM
    • 2,578 Posts
    • 6,788 Thanks
    monz
    Go for it! will it work out better for you in the long run?xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • Purplemumof2
    • By Purplemumof2 18th May 17, 4:09 PM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Possibly, it'd certainly be a shed load more money and possibly easier to get to than this site.

    Definitely food for thought.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 6:40 PM
    • 3,874 Posts
    • 15,408 Thanks
    Hiddenidenity
    Apply! No harm in applying you can decide which way to go when youre further down the process x

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £65 Amazon
    • MistyMountainTop
    • By MistyMountainTop 18th May 17, 8:30 PM
    • 553 Posts
    • 1,863 Thanks
    MistyMountainTop
    I agree, it can't hurt to at least find out about it!
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 18th May 17, 9:17 PM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Thanks ladies, food for thought. I'm not 100% sure I'd even get an interview.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • LordNolo
    • By LordNolo 18th May 17, 9:55 PM
    • 33 Posts
    • 62 Thanks
    LordNolo
    Thanks ladies, food for thought. I'm not 100% sure I'd even get an interview.
    Originally posted by Purplemumof2
    I'd big up the experience you have with the software on your application form, but in loads of stuff about how enthusiastic, motivated and passionate you are (your posts here clearly demonstrate that you're all three) and you should have a decent shout. And then smile loads at the interview :-)
    • Purplemumof2
    • By Purplemumof2 18th May 17, 10:10 PM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    I'd big up the experience you have with the software on your application form, but in loads of stuff about how enthusiastic, motivated and passionate you are (your posts here clearly demonstrate that you're all three) and you should have a decent shout. And then smile loads at the interview :-)
    Originally posted by LordNolo
    Thanks Nolo, I'll have a think tomorrow. Xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 19th May 17, 5:28 AM
    • 4,764 Posts
    • 15,214 Thanks
    Purplemumof2
    Friday
    Morning thank god it's Friday.

    Dinner was nice last night. Tonight is gammon and chips.

    DH's expenses have hit the bank, I'm holding off transferring back the money until I really need to.

    I'm still thinking about that other job, unsure whether to go for it or not. The company it's self is one of the big boys in construction so I know they're financially stable.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 19th May 17, 7:51 AM
    • 3,874 Posts
    • 15,408 Thanks
    Hiddenidenity
    Morning

    Friday it is

    Think it's time to write a pros and cons list for the other job and then you can see on pen and paper if it's worth it and what your concerns are? X

    Have a lovely day

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £65 Amazon
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