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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
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    • 15,987Thanks
    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: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
Page 57
    • Purplemumof2
    • By Purplemumof2 19th May 17, 10:05 AM
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    Purplemumof2
    I have decided not to go for that job, as much as it is more money, I'd still have the two hours travelling to and from work, which is proving tedious at the moment as it is.

    If I do move, it'll be some where near to home, might be slightly less money than now but I wouldn't have the stress of the commute in to and out of London to contend with.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 19th May 17, 10:08 AM
    • 4,398 Posts
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    Hiddenidenity
    You have to do what's right for you and if this is not the opportunity to jump at then I'm sure there will be others along the way you never know what's around the corner!
    Last edited by Hiddenidenity; 19-05-2017 at 10:13 AM.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £48.65 Cash + £60 Amazon
    • monz
    • By monz 19th May 17, 10:22 AM
    • 2,660 Posts
    • 7,292 Thanks
    monz
    Good for you!!! Ddi you get your new number sorted?xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,741.18/10,000
    mums xmas vouchers boots (surveys ) 20/50
    Christmas - 0/400
    Australia 2019 - /5000
    • Purplemumof2
    • By Purplemumof2 19th May 17, 11:11 AM
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    • 15,987 Thanks
    Purplemumof2
    Good for you!!! Ddi you get your new number sorted?xx
    Originally posted by monz


    Not yet, something to sort this weekend.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 20th May 17, 8:55 AM
    • 4,945 Posts
    • 15,987 Thanks
    Purplemumof2
    Morning, copied my list from the other day, so I don't need to scroll back.

    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


    Although it's currently sunny, it's due to rain today and tomorrow so looks like a TD weekend. We've done well recently not really using it so I'm not too fussed about using it this weekend.

    Have sorted my food list, going to do a round trip and drop off DD's secondary school forms on my way to Sainsburys.

    Bank account checked and no payments have come out.

    Need to get our numbers changed today/tomorrow, need to locate the nearest mobile shop which I think is in Camberley but will double check.

    Need to think about my June goals too.

    Back later.
    Last edited by Purplemumof2; 21-05-2017 at 8:37 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 20th May 17, 9:21 AM
    • 4,398 Posts
    • 17,859 Thanks
    Hiddenidenity
    Have a lovely day xx
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £48.65 Cash + £60 Amazon
    • Bobarella
    • By Bobarella 20th May 17, 9:31 AM
    • 10,465 Posts
    • 69,305 Thanks
    Bobarella
    Good luck with your lists
    " 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 20th May 17, 9:55 PM
    • 4,945 Posts
    • 15,987 Thanks
    Purplemumof2
    Changed my address for my car insurance, cost me £23 mid adjustment to do it. Not going with Hastings again once my renewal is up in October. Even my premium didn't change like DH's did.

    Spoke to mobile company today, changed addresses, rang up and all mobile numbers changed now, so shouldn't get any spam from b!tchface.

    Sorted out my old photo frames, sorted out loads of photos of my lovely best friend now deceased 12+ years, miss her as she was like a sister, but one more thing done.

    Plastic cupboard done, still a few bits to sort.

    We were naughty and ordered a curry, we've found a nice curry house that's reasonably cheap compared to the last local one. It was nice AND nothing was left so good to me.

    Food shop done, should be sorted for the next two weeks.

    We were talking tonight about things to change in the house, we know the house works but doesn't 'flow' things need tweaking to make the house ours.

    Thinking about June, got lots of planning to do.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 21st May 17, 8:58 AM
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    Purplemumof2
    Morning,

    Majority of my list has been done.

    Finances don't look too bad.

    Dinner will be HM beef & ale pie, mash and veg and I need to make cottage pie for Wednesday.

    Feeling very unfit and out of sorts today, think that the stress of the past month or so has caught up. Definitely need to change that next month.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 21st May 17, 8:07 PM
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    • 15,987 Thanks
    Purplemumof2
    Beef was way to nice to cut up for a pie, so roast for dinner instead. Was nice too.

    DH has done the ironing, I don't seem to get a look in since we moved I've ironed once in 5 weeks

    Kids nearly sorted for school tomorrow. DD has lost her cardigan, not named and doubtful we'll get it back but DH wants me to ring the school tomorrow anyway.

    Cottage pie base made and in the freezer, just the mash to be made for Thursday.

    No Guides for DD for the next two weeks, which helps the menu plan.

    Had a lovely walk this afternoon, still feel poo but more tired now.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Bobarella
    • By Bobarella 21st May 17, 8:47 PM
    • 10,465 Posts
    • 69,305 Thanks
    Bobarella
    Hope the cardie turns up.Its just one of those irritating things that drains your pocket isn't it otherwise.
    " 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
    • Hiddenidenity
    • By Hiddenidenity 21st May 17, 9:05 PM
    • 4,398 Posts
    • 17,859 Thanks
    Hiddenidenity
    I wish someone would come and do my ironing

    Hope you get the cardigan back!
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £48.65 Cash + £60 Amazon
    • monz
    • By monz 22nd May 17, 11:50 AM
    • 2,660 Posts
    • 7,292 Thanks
    monz
    Aw my boy does that all the time and I keep forgetting put his name on it lol turns up eventually. good luck xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,741.18/10,000
    mums xmas vouchers boots (surveys ) 20/50
    Christmas - 0/400
    Australia 2019 - /5000
    • Purplemumof2
    • By Purplemumof2 22nd May 17, 3:55 PM
    • 4,945 Posts
    • 15,987 Thanks
    Purplemumof2
    Afternoon,

    It's our Anniversary today, first time ever that DH forgot to get a card...not overly fussed.

    Finances still look ok, I need to look at a possible road to park on that's near the station, this will save on parking charges. Will have a quick look tonight.

    Sorted out what 'extras' are in the line up for next month:

    DD has two Guiding trips that need paying this month, then all done.
    DD has the Year 6 trip that needs paying
    DD also has a sponsored bounce thingy
    DS has his bithday next month
    Mum & step-dad are down for the weekend
    Half term too

    Things are going to be tight this month, so I really need to get my act together and really keep an eye on what's coming in and going out.

    Time to step it up a notch and put my MSE head on totally, no more laying back, don't have time this month.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 22nd May 17, 9:10 PM
    • 4,398 Posts
    • 17,859 Thanks
    Hiddenidenity
    Happy anniversary x

    Did the cardigan turn up? I hope so!

    You're always very busy
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £48.65 Cash + £60 Amazon
    • Purplemumof2
    • By Purplemumof2 22nd May 17, 9:52 PM
    • 4,945 Posts
    • 15,987 Thanks
    Purplemumof2
    Thanks HI x

    DD forgot to check her pe bag, so the cardigan remains aloof.

    You are busier than me Hun, which I had half your energy xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 22nd May 17, 9:57 PM
    • 4,945 Posts
    • 15,987 Thanks
    Purplemumof2
    Came home just as DH & DS were going to Cadets, walked in the house to be greeted with a card and a lovely bunch of flowers.

    Forgot to add Fathers Day to my list on my earlier post.

    4 days to DH's pay day & 9 days til mine.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 22nd May 17, 10:04 PM
    • 4,398 Posts
    • 17,859 Thanks
    Hiddenidenity
    Aww how lovely!

    Opps when is fathers day?
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £48.65 Cash + £60 Amazon
    • Purplemumof2
    • By Purplemumof2 23rd May 17, 12:35 PM
    • 4,945 Posts
    • 15,987 Thanks
    Purplemumof2
    Aww how lovely!

    Opps when is fathers day?
    Originally posted by Hiddenidenity
    Sunday 18th June I think
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 23rd May 17, 1:16 PM
    • 4,945 Posts
    • 15,987 Thanks
    Purplemumof2
    What awful news to wake up to this morning FB is constant with the info too.

    All good so far with the finances, I've transferred back over some of the money I moved at the beginning of the month. 4 days until DH gets paid 9 days until I get paid. DH gets his payrise this month too

    Trying to find a cheaper way to go to work. This month I will get a monthly ticket from the nearest station, the month after I will go to Egham which is 30 min drive away and see if that's any cheaper.

    So MSE head back on.....things I can do in June:

    Take lunch to work (boring but could eat in the park if its nice) only done this once or twice this month
    Avoid alcohol during the week - think of my waistline
    Bring snacks in from home
    Stick to £10 pw - Not been doing this and I really should

    Apart from the above, it's the usual stuff that I try and do anyway, such as the meal planning.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



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