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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 4,945Posts
    • 15,983Thanks
    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 61
    • Purplemumof2
    • By Purplemumof2 7th Jun 17, 12:44 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Afternoon (Just!)

    Thought I'd gone over my allowance for the day but I haven't, did a recount and I'm under again by 5p, which I can carry forward.

    Up to 85p to carry on.

    Not much else to report moneywise.

    Happy the sun is out again today, despite a slight chill in the air, it makes everything that much nicer.

    Hope everyone is having a good day today? x
    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 7th Jun 17, 10:15 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Evening,

    Stuff out of the freezer defrosting ready for tomorrow. Need to get the casserole made tomorrow for Friday and marinade the pork for Saturday and dinner is spaghetti Bolognese.

    DD handed in the chequers for the remainder of her guide trips and DS handed in his form to work towards a BTEC with cadets.

    Lunch made for tomorrow.

    Night 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
    • Hiddenidenity
    • By Hiddenidenity 7th Jun 17, 10:46 PM
    • 4,393 Posts
    • 17,841 Thanks
    Hiddenidenity
    Night pmo2 x

    Good going still being under allowance
    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 8th Jun 17, 5:14 AM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Night pmo2 x

    Good going still being under allowance
    Originally posted by Hiddenidenity
    Thanks HI x
    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 8th Jun 17, 5:25 AM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Morning

    Voting day today, must remember to do that on the way home from work tonight.

    Very tired today, always the same on Thursdays, I'll be ok by lunchtime, as I'll have woken up a bit.

    Bank account checked and nothing has majorly changed there, so that's a good thing.

    Pleased with my progress this week on my allowance, I took my eye off the ball last week and other times but when I focus on it, I can make it work. It's a bit of a challenge not to spend more than my £2 & I like trying to see how much I can get for my £2.

    Pretty dull and grey outside this morning, hope it doesn't last.

    Got a few bits I need to pick up from Tesco tonight, so must remember and DH is out for a team meal, he's aiming to drive as he's got a meeting tomorrow morning at 8 and doesn't want to spend the money on a taxi.

    Back later x
    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 8th Jun 17, 1:17 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Afternoon,

    £1.60 spent today, so 40p to carry over which gives me an extra £1.25 in total on top of my £2 tomorrow....which means I can buy my lunch tomorrow...Greggs for my pasty anything left gets rolled over to Monday.

    £20 taken out of the bank to pay for DD's Bounce-athon thingy she did just before half term.

    DS's school sent out a leaflet, the place that does the uniforms is having a sale on all uniform, so going to look and see if I can get DD's uniform cheaper in time for September.

    I may have found a cheaper car park that's near the station, currently it is £100 per month to park, the one near the station is £82.50 per month. It is Council operated, so going to have a look tonight and see if it is secure enough.
    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 8th Jun 17, 1:49 PM
    • 4,393 Posts
    • 17,841 Thanks
    Hiddenidenity
    I haven't braved looking at uniform costs yet I have to get it for all 3 of mine and all new colours

    Cheaper car park sounds good if it's just as safe.

    £2 a day is an amazing amount to keep too!
    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 8th Jun 17, 2:27 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    I haven't braved looking at uniform costs yet I have to get it for all 3 of mine and all new colours

    Cheaper car park sounds good if it's just as safe.

    £2 a day is an amazing amount to keep too!
    Originally posted by Hiddenidenity
    Thanks HI. Scondary school uniform was bad enough the first and second time around with DS and now first time round for DD, its hellish expensive too.

    Really hope that the car park is ok, will see later.

    Hope I can stick to my £2 budget, it does make me feel like I'm not missing out at work
    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
    • mummytogirls
    • By mummytogirls 8th Jun 17, 4:41 PM
    • 5,302 Posts
    • 15,871 Thanks
    mummytogirls
    Afternoon PMO2,

    Well done for sticking within your budget, lunch will be a real treat tomorrow!!

    Dreading my DD going to secondary school, she's in yr5 now so another year. The school she will most likely go to have you signing up to the PE kit on the open evening and I think its in excess of £50 dependant on what you buy!!

    Remember to vote on your way home xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Purplemumof2
    • By Purplemumof2 8th Jun 17, 9:04 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Thanks MTG. Voting done and dusted
    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 8th Jun 17, 9:15 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Pork marinating in the fridge for Saturday, beef casserole made ready for tomorrow it just needs cooking.

    Dinner cooked and eaten, dishwasher filled and on & kitchen has been cleaned.

    Voting has been done.

    Didn't check out the car park, lots of time before the end of the month to check it out.

    Really looking forward to seeing the Rents tomorrow, I always get excited when I know they're coming down. I'm just like a child

    Night all 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 9th Jun 17, 5:25 AM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Woo hoo! It's the best day of the week

    Bank account checked, no surprises on there, so that's just plodding nicely.

    £3.25 for lunch today, contemplating a Greggs pasty or chicken from Sainsburys for £1.40

    Not much to report, I may not be on much over the weekend.

    Back later x
    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 9th Jun 17, 9:15 AM
    • 4,393 Posts
    • 17,841 Thanks
    Hiddenidenity
    Have a lovely weekend with the parents PMO2 x
    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
    • debtaghh
    • By debtaghh 9th Jun 17, 9:55 AM
    • 592 Posts
    • 1,735 Thanks
    debtaghh
    Enjoy your weekend, hope they bring you lots of goodies
    Debt Aug 2017: Cc £45,999- family £37808: total debt £83,807

    Current debt: Cc £45,384- family - £37759.55 total debt: £83,143.55
    • Purplemumof2
    • By Purplemumof2 9th Jun 17, 2:11 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Thanks HI and debtaghh

    So I have hit my target this week and not gone over budget with my allowance Week number 2 off my list.

    Spoken to the parents and they're all packed and ready to set off, they were just having some lunch and getting going about 2.30pm (ish)

    Three weeks until payday

    Hope everyone is having a happy Friday?
    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
    • mummytogirls
    • By mummytogirls 9th Jun 17, 5:59 PM
    • 5,302 Posts
    • 15,871 Thanks
    mummytogirls
    Enjoy your weekend with your parents PMO2 xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Purplemumof2
    • By Purplemumof2 9th Jun 17, 11:11 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    Thanks MTG 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
    • MistyMountainTop
    • By MistyMountainTop 9th Jun 17, 11:45 PM
    • 595 Posts
    • 2,004 Thanks
    MistyMountainTop
    hope you have a lovely weekend!!!
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 10th Jun 17, 5:51 PM
    • 4,945 Posts
    • 15,983 Thanks
    Purplemumof2
    How to fock up what should be a nice weekend.

    Finding out your 12 year old has bought loads on the Xbox without permission.

    Now we have a Capital One credit card bill in the region of £600.

    Just when I thought things were getting better
    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
    • Lucylocks
    • By Lucylocks 10th Jun 17, 6:01 PM
    • 92 Posts
    • 195 Thanks
    Lucylocks
    Noooooo that's awful. Surely at 12 he was old enough to know what he was doing? Is there any way Xbox will waive some of bill if it was done without permission
    LBM 28/3/17 £24,971 28/6/17 £14,376 42% paid
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