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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 5,074Posts
    • 16,698Thanks
    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 69
    • Purplemumof2
    • By Purplemumof2 17th Jul 17, 5:23 AM
    • 5,074 Posts
    • 16,698 Thanks
    Purplemumof2
    Happy Sunday

    Have a lovely day! Doing well on the surveys x
    Originally posted by Hiddenidenity
    Thank you x

    Finally caught up with your diary! Is the interview for the job that is close to your new house?
    Originally posted by MistyMountainTop
    Thank you x It is based on two sites, one is an hours drive from home and the other is back in London.
    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 17th Jul 17, 5:30 AM
    • 5,074 Posts
    • 16,698 Thanks
    Purplemumof2
    Morning,

    Monday already, had a really good weekend. DD had a great report from school and DS got Engineering as one of his chosen Options for Year 9.

    Busy week this week, work wise.

    Other things happening this week:
    DS cadets tonight
    DS cadets Weds night
    DD guides weds night
    DD Year 6 play Thurs night
    DS sports day Fri morning
    Me interview Thurs morning WFH in the afternoon
    Me going to sports day Fri WFH in the afternoon
    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 17th Jul 17, 1:11 PM
    • 5,074 Posts
    • 16,698 Thanks
    Purplemumof2
    Afternoon,

    Just a quick round up.

    DS told me that there was no cadets this week but there are next week. The dinger dinner he defrosted, will hopefully be ok by Thursday and I can have it for lunch when I get home.

    Surveys done, got screened out of most of them but happy there.

    Total spent today: 74p which gives me £1.26p to carry over.

    I'm on a three day, working week so I could divide up my £10 between the three days but as DS has sports day on Friday, he's going to want drinks etc from the PTA tent.
    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
    • hugglemonster
    • By hugglemonster 17th Jul 17, 2:30 PM
    • 299 Posts
    • 1,373 Thanks
    hugglemonster
    Great news on the kids school reports, well done mini purples!!

    Good luck with your job interview on Thursday, will they be able to tell you straight away?

    Enjoy your 3 day week, H x
    Debt: Overdraft 2 £1200/ now £1200 Overdraft 1 £2200 Credit card £2200 Car - Lots!!
    PAID - Computer £646.52
    Emergency fund: £0 General savings: £0
    • Purplemumof2
    • By Purplemumof2 17th Jul 17, 3:00 PM
    • 5,074 Posts
    • 16,698 Thanks
    Purplemumof2
    Great news on the kids school reports, well done mini purples!!

    Good luck with your job interview on Thursday, will they be able to tell you straight away?

    Enjoy your 3 day week, H x
    Originally posted by hugglemonster
    Thanks H, hope that they do. I know that they've interviewed a lot for the position. According to my agency lady, they were impressed by my CV 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 17th Jul 17, 4:38 PM
    • 10,473 Posts
    • 69,440 Thanks
    Bobarella
    Morning,

    Monday already, had a really good weekend. DD had a great report from school and DS got Engineering as one of his chosen Options for Year 9.

    Busy week this week, work wise.

    Other things happening this week:
    DS cadets tonight
    DS cadets Weds night
    DD guides weds night
    DD Year 6 play Thurs night
    DS sports day Fri morning
    Me interview Thurs morning WFH in the afternoon
    Me going to sports day Fri WFH in the afternoon
    Originally posted by Purplemumof2
    Really pleased about your daughters school report being good. She sounds like she is doing very well anyway, so were you not that surprised?

    Good luck with your interview as well.
    " 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 17th Jul 17, 4:47 PM
    • 5,074 Posts
    • 16,698 Thanks
    Purplemumof2
    Really pleased about your daughters school report being good. She sounds like she is doing very well anyway, so were you not that surprised?

    Good luck with your interview as well.
    Originally posted by Bobarella
    Lol to be fair probably not She's really settled in, in her new school that they said they wished she'd been there right from the beginning

    Thanks for the good luck 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 18th Jul 17, 5:28 AM
    • 5,074 Posts
    • 16,698 Thanks
    Purplemumof2
    Morning,

    Didn't make my lunch last night, so will be buying it as cheap as possible.

    Dinner ready for tonight. Hairy Bikers Enchiladas, need to cook some rice to go with them.

    Busy day at work again today, but hoping I can get more surveys done while I'm at it.

    Bank account checked, nothing strange there, 2 days to DH's expenses go in.

    Back later 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
    • Hiddenidenity
    • By Hiddenidenity 18th Jul 17, 7:50 AM
    • 4,772 Posts
    • 20,831 Thanks
    Hiddenidenity
    Have a lovely day x
    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 18th Jul 17, 1:58 PM
    • 5,074 Posts
    • 16,698 Thanks
    Purplemumof2
    New and improved and slightly shiny diary over there: http://forums.moneysavingexpert.com/showthread.php?p=72854478#post72854478
    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
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