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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 4,589Posts
    • 14,588Thanks
    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: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
Page 63
    • mummytogirls
    • By mummytogirls 12th Jun 17, 8:19 PM
    • 5,172 Posts
    • 15,046 Thanks
    mummytogirls
    Glad you're feeling a bit better PMO2, hope thats it and you don't get any worse.

    Lots going on this week for you guys xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Purplemumof2
    • By Purplemumof2 13th Jun 17, 5:27 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Morning,

    Still feeling delicate but not sick now.

    DH had yet another talk to DS last night about his behaviour, I'm not sure what's going on in his head, I'm hoping it's just hormonal and will settle down.

    Bank account checked, nothing untoward has come out and nothing surprisingly has gone in it's caught up with the weekends spends though.

    Spent £1.25p of my £2 allowance yesterday, so that gives me 75p to roll over.

    Need to buy DD two bottles of water today for her school trip on Thursday.

    Back later.

    ETA - Was going to go to work today, but DH is adamant that as I'm not 100% I'm better off at home and go back tomorrow. So I am doing, site can manage without me for a day. I can catch up on everything tomorrow.

    Therefore I'm going to go through the finances today.
    Last edited by Purplemumof2; 13-06-2017 at 6:15 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 13th Jun 17, 9:29 AM
    • 2,529 Posts
    • 6,554 Thanks
    monz
    Rest today!! Dont overdo it 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 £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • Bobarella
    • By Bobarella 13th Jun 17, 10:05 AM
    • 10,623 Posts
    • 68,539 Thanks
    Bobarella
    Hi PM02

    I have just been catching up on things with you. I didnt realise your commute was so long. That is really long!

    My OH is just in the process of being made a full time home worker, as he was going into the office less & less. Its a good thing I think, and will save us around £36 a week. Not bad over a month. Im sure you've already looked into that though in your current job?

    I am really sorry to read what your son did. Its hard because Im sure you've forgiven him now, so I dont want to go on. But equally, sympathies & grrrr!!! Is all now quiet on the ex girlfriend front?

    Im glad your parents are such a support to you, thats lovely to read. Sounds like you had a good weekend.

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • Purplemumof2
    • By Purplemumof2 13th Jun 17, 10:48 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Rest today!! Dont overdo it xx
    Originally posted by monz
    Have you been talking my DH? Lol that's what he said!

    Hi PM02

    I have just been catching up on things with you. I didnt realise your commute was so long. That is really long!

    My OH is just in the process of being made a full time home worker, as he was going into the office less & less. Its a good thing I think, and will save us around £36 a week. Not bad over a month. Im sure you've already looked into that though in your current job?

    I am really sorry to read what your son did. Its hard because Im sure you've forgiven him now, so I dont want to go on. But equally, sympathies & grrrr!!! Is all now quiet on the ex girlfriend front?

    Im glad your parents are such a support to you, thats lovely to read. Sounds like you had a good weekend.

    Bob
    Originally posted by Bobarella
    I'd love to be home based but unfortunately my job role doesn't allow it, so looking closer to home for a job.

    As much as I've forgiven him, he's totally blown all trust now. DH says to cancel his birthday, but I'd feel terrible if I did that, so he's still getting something to show that he is still loved.

    Ex-gf is now gone no contact since numbers got changed and DS was removed from Instagram.

    Step-dad did offer to lend us the money, but DH said no, we can cover it if needed as he's got bonuses due over the rest of this year if it came to the crunch. We did say that we'd keep his offer in mind if we get stuck.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 13th Jun 17, 10:54 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Dropped DH at the station, nipped to Morrisons and picked up a few bits, mainly bits for DD for Thursday's trip.

    Picked up a reduced lump of beef, so will cut that up for beef casserole towards the end of the month

    Got DH his Nicorette, two for £20 so that's him sorted for a little while

    Meal plan done for the last few weeks of the month, aiming to use what we've got in and just do small top ups in between

    I know DH is worried about this month as its a long one, but I'm hoping he'll see that we can do it even if it is only using OD money til pay day.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 13th Jun 17, 2:10 PM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    My MSE Head is firmly back......I think!
    Afternoon,

    I think the title of this post says it all

    I've just gone through the finances and ticked off what's come out and what is yet to come out and noted that DH's expenses are due in and all being good, the money I transferred at the beginning of the month to cover what is due to come out towards the end, we shouldn't need to use it all

    I told DH that I'm still getting DS bits for his birthday. Told him that I know he's done wrong but no child should get nothing. Not had any arguments about it.

    Lump of beef I bought, I've cut up and put in the freezer.

    I've had cuppa soup for lunch and feeling a lot brighter than yesterday.

    Need to keep up with my lunches to work and weekly allowance.

    Finally think we're getting somewhere!

    ETA: Capital One statement has come through and it is £443.11, I have paid £23.11 to it to round it down, will need to juggle the payments around a bit to include this and include anything that DS manages to accumulate towards it.
    Last edited by Purplemumof2; 13-06-2017 at 2:23 PM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • doingitanyway
    • By doingitanyway 13th Jun 17, 6:59 PM
    • 1,608 Posts
    • 7,204 Thanks
    doingitanyway
    Glad to hear you are on the up
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,882
    MORTGAGE FREE 25/07/16
    • Treadingonplaymobil
    • By Treadingonplaymobil 13th Jun 17, 7:08 PM
    • 672 Posts
    • 5,489 Thanks
    Treadingonplaymobil
    Well done for getting back on the MSE case! And I agree with you about getting presents for your DS.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £56,025.55/1st March 2025
    • Purplemumof2
    • By Purplemumof2 14th Jun 17, 5:29 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Happy Hump Day

    Woke up feeling much better today, just tired, so back to work for me today, got lots to do.

    Bank account checked, nothing untoward there, need to keep a check on it and move the other money over when needed.

    Going to buy step-dad a Father's Day card today, he's never had one from us, so I think it's about time now.

    Nothing much else to report. Back later xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 15th Jun 17, 5:20 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Morning,

    Very tired this morning, usual for a Thursday for me.

    Mega busy day at work yesterday, that what happens when I have two days off sick and have to play catch up. Going to be busy again today, got reports and manuals to sort....the joys!

    Bank account checked...nothing gone out of any importance and nothing gone in.

    DD is off on her water slide trip with the year 6's, she's mega excited lol

    Didn't get a card yesterday, may go on Quidco and see if I can order him one via Moonpig.

    Need to order DS's scooter helmet for his birthday today, they're reasonably cheap, considering the brand he wants.

    Back later x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 15th Jun 17, 8:43 AM
    • 3,389 Posts
    • 13,101 Thanks
    Hiddenidenity
    Glad you're feeling better, soon be weekend

    I think Funky pigeon had 20% of code If MP doesn't have any offers.

    Have a lovely day

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £91.05 + £70 Cash + £25 Amazon
    • Purplemumof2
    • By Purplemumof2 15th Jun 17, 1:16 PM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    I don't half pick the companies! All is not good in the present one, rumours of money troubles and now lots being made redundant at HO doesn't fill me with confidence. Glad I'm looking for somewhere closer to home, at least that ball is rolling.

    Fallen off my allowance wagon this week, will restart next week.

    Card bought for step-dad and posted. Hopefully he'll get it Saturday.

    Not much else to report.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Treadingonplaymobil
    • By Treadingonplaymobil 16th Jun 17, 5:32 AM
    • 672 Posts
    • 5,489 Thanks
    Treadingonplaymobil
    Hope your DD enjoyed the water slide trip - I adore water slides, one of my very favourite things!

    Hope you are able to find something nearer to home quickly before the bottom falls out of your current place of work. DH used to work for a financially precarious company and it was very tiresome and stressful. Think it went bust about 6 months after he left.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £56,025.55/1st March 2025
    • Purplemumof2
    • By Purplemumof2 16th Jun 17, 5:54 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    It's Friday! The best day of the week

    DD had a fantastic time yesterday, even to the point that the class got to jump in the Thames at the end of the day the other yr 6 class go next Thursday.

    Company is carry on as normal, so I don't think they're going bust and could just be scaremongering. Need to ring my other contact today.

    Meeting up with old colleagues I did temping for last year, they're more friends now but all good on the networking front.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 16th Jun 17, 11:53 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Hiya,

    Seems moral is at an all time low at HO and as long as this project is going we are safe job wise - I'm beginning to think it's me!

    Moving on - couple of payments have come out of the bank this morning, I have transferred over the money to cover this. DH gets his expenses in four days, so that should help with the other bits next week.

    Ordered one part of DS's birthday present £31.94 including postage.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 17th Jun 17, 7:32 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Morning

    Had a fantastic night last night, laughed loads and ate loads. Only money spent was on the taxi home - £15

    Bank account checked and nothing untoward has gone out and no rich relative has died and put loads in the account

    Car goes in for a service today, drop & go and pick up after 4.30pm.

    Weather is lovely here today, going to get the washing dried outside again.

    Need to do a mini shop, need a few bits and pieces but aiming to keep it low.

    Not much else to report, except I've just stubbed my toes on the door frame
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 18th Jun 17, 8:09 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Morning,

    Happy Sunday and Happy Fathers Day to all dads and to the mum's that are doing it on their own.

    Majority of the washing dried yesterday, one load mainly consisting of DH's shirts has gone out now and a small load is now in the washer. I'm going to clean the washer with white vinegar once this loads finished.

    BBQ stuff bought yesterday for dinner and enough left for today.

    Money wise, I think I said in an earlier post that I didn't think we'd need to use the money I'd transferred over, but in a later post said I have done, I think that was wishful thinking that I wouldn't need to use it but it was transferred to cover anything due out so I'm not too fussed about it.

    I've had a play about with the payments and managed to incorporate the Capital One payment in, so that were not paying any extra out.

    Looking forwards, the big CC's should be nearly paid off in the next two years, I'm hoping that I'll have enough saved by drip feeding the Principality account that I can pay off the OD, but I need a plan next year for that.

    So far, so good. Need to buy DS's birthday presents but getting there.

    Roll on pay day!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 19th Jun 17, 5:32 AM
    • 4,589 Posts
    • 14,588 Thanks
    Purplemumof2
    Morning and happy Monday,

    Back on my weekly allowance this week, lunch is made and in the fridge too.

    Bank account checked, all up to date.

    DH's expenses are due in tomorrow.

    DD has sports day today but can't go to this one

    DH thinks I've gone soft on DS because he's now got some presents for his birthday. DS knows I'm angry about what he's done, but I still couldn't not give him anything. DH will come round I know, he's just angry too.

    DD's school is having a summer fair on Saturday that she wants to go to, so need to factor that in this week.

    DD is at her friends on Thursday for her birthday, need to get a card and money.

    DD also has guides on Wednesday and they're having mini party, need to get fizzy drinks for her as she volunteered to bring them in.

    11 days til pay day.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 19th Jun 17, 10:41 AM
    • 2,529 Posts
    • 6,554 Thanks
    monz
    hurry up payday!!lol 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 £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
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