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  • FIRST POST
    • sugar23
    • By sugar23 8th Aug 16, 2:41 PM
    • 68Posts
    • 153Thanks
    sugar23
    small steps
    • #1
    • 8th Aug 16, 2:41 PM
    small steps 8th Aug 16 at 2:41 PM
    Hi I started a diary at the beginning of the year. But didnít post as much as i should so Iím starting again, I canít believe itís august already and Iím now 24!!

    My total debt was £18,400 in January
    now my debt stands at £13,666
    Iíve managed to pay off £4734 so far.

    I have a direct debit of £200 p month to my credit card
    and pay £216 on my car finance p month

    my ex hasnít paid any maintenance in the last few months and things have been a struggle financially but Iím getting there and have continued to try and slowly get rid of the debt.
    In February i opened a clear score account and itís kind of helped me to stay focused.
    In February my score was 403. its currently 421
    other than starting from the bottom financially and being in debt life is good,

    I met a new man shortly after splitting with my ex and i really feel like ive finally got my happy ever after. My kids are doing great, eldest is doing amazingly at school and youngest is coming on leaps and bounds.

    Other than finances i need to get into routine with the house. Iíve slowly been gutting and redecorating and its recently came to a standstill. So Iím here really for some motivation with it all.

    Also on the financial front an Aldi has opened up just under a ten min drive away so i have been going there now instead of my local village shop and sainsbobs . i think in the long run going to Mr a!di will save me a small fortune and there nappies are pretty good too.

    So its small steps but its helping to make a dent.
    i feel like thereís so much i need and want to do but just keep reminding myself small steps make a big difference.

    Most importantly. i just want to continue to enjoy life and make the most of the little things

    2016 . Aims & challenges


    August 8th-31st
    1. £120 food budget / meal plan / write a list before going food shopping
    2. Finish tiling hall floor /do second coat on hall walls /paint woodwork
    3. Do at least one thing a day that is positive or helped me feel good
    4. 12 NSD's
    5. Sort and cancel unnecessary direct debits and set a realistic budget
    mum of two boys . tackling her debts one day at a time.
Page 1
    • sugar23
    • By sugar23 8th Aug 16, 3:52 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    • #2
    • 8th Aug 16, 3:52 PM
    • #2
    • 8th Aug 16, 3:52 PM
    sky next month goes back up to full price. as originally planned that will be cancelled.

    im on a 18 month contract with talk talk and on a good deal atm so that will be reviewed when my deal ends. my deal ends june 2017

    my phone contract ends 31st july 2017

    i need to go into my bank as i have a few recurring payments that i cant cancel online that need to be canceled.

    my car insurance is due in november as well as my car tax im hoping to pay this in full instead of monthly

    i have insurances that are due to end next june that wont be renewed. (these are for appliances)

    i try and get the best deals with my utilities and bills. but i know next year when a few contracts end i could do much better.

    my direct debits are currently £500 ish
    after not renewing a number of contracts over the next 12 months and paying my insurance for my car in full i should be able to shave £200 off this.

    my electric is a key . this is something i need to get changed to a direct debit in the near future.

    once my car is paid off and all my current contracts have ended below is how my bills should look

    monthly direct debits
    electric & gas
    water
    talk talk
    giff gaff top up
    car finance (until paid off)

    annual bills
    tv licence
    car insurance
    car tax
    mot/service
    life insurance
    home insurance

    i need to contact my car finance actually and find out if i can up my monthly repayment and see how much it would reduce my term by
    mum of two boys . tackling her debts one day at a time.
    • sugar23
    • By sugar23 8th Aug 16, 3:55 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    • #3
    • 8th Aug 16, 3:55 PM
    • #3
    • 8th Aug 16, 3:55 PM
    just done a basic weekly shop on aldi. including nappies and toiletries and cleaning products i should be able to keep within a budget of around £40 a week.

    i am going to trial it over the coming weeks. i would easily spend double this in other supermarkets


    heres to being more frugal. any savings i can make will all help towards getting the debt paid off quicker

    im feeling positive today
    Last edited by sugar23; 08-08-2016 at 4:40 PM.
    mum of two boys . tackling her debts one day at a time.
    • sugar23
    • By sugar23 11th Aug 16, 9:40 AM
    • 68 Posts
    • 153 Thanks
    sugar23
    • #4
    • 11th Aug 16, 9:40 AM
    • #4
    • 11th Aug 16, 9:40 AM
    Tuesday youngest had pediatrics
    Yesterday he had speech therapy

    He's been diagnosed with Global development delay.

    I've found a nursery that I think will be suitable for him. I have a meeting next week with them

    Today me and the kids registered as organ donors and I also registered as a blood donor . (My positive achievement for the day)

    I need to go to aldi later but other than that and electric I don't need to spend any money today .

    Lots of appointments coming up over the next few weeks and months

    Just a quick update
    mum of two boys . tackling her debts one day at a time.
    • sugar23
    • By sugar23 12th Aug 16, 5:21 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    • #5
    • 12th Aug 16, 5:21 PM
    • #5
    • 12th Aug 16, 5:21 PM
    I've decided with so much going on I'm going to do quick posts each day noting what I have spent .
    Today is £1 on a drink for the eldest
    mum of two boys . tackling her debts one day at a time.
    • clearmydebts
    • By clearmydebts 12th Aug 16, 11:48 PM
    • 5,901 Posts
    • 17,129 Thanks
    clearmydebts
    • #6
    • 12th Aug 16, 11:48 PM
    • #6
    • 12th Aug 16, 11:48 PM
    Hi there


    Well done on clearing so much debt. You've done so well. Glad to hear you've gotten a diagnosis for your son. Hope you weren't too long waiting for him to be assessed.
    Total debt (starting September 2016): Ä27,000/Ä26,949
    BOI credit card: Ä7,000
    Loan: Ä20,000/Ä19,949
    • juliejim
    • By juliejim 13th Aug 16, 7:05 AM
    • 7,503 Posts
    • 150,648 Thanks
    juliejim
    • #7
    • 13th Aug 16, 7:05 AM
    • #7
    • 13th Aug 16, 7:05 AM
    Morning sugar

    Happy new diary!

    You sound like you're doing well and keeping on top of things.

    Keep it up

    Jue
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
    • sugar23
    • By sugar23 13th Aug 16, 11:11 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    • #8
    • 13th Aug 16, 11:11 PM
    • #8
    • 13th Aug 16, 11:11 PM
    hi both . thank you for taking the time to reply.

    its a slight relief to be honest as i now have a reason and more understanding of why he is like he is. hes J to me and always will be but knowing he can now hopefully get all the support he needs ie continued speech therapy and possibly and extra help he may need at school or nursery should he need it is a big weight lifted it means he wont have to struggle so much and for me that is the main thing

    i spent £73 today at aldi but wont be buying anything other than essentials the rest of this month
    thats my only spend today
    mum of two boys . tackling her debts one day at a time.
    • sugar23
    • By sugar23 13th Aug 16, 11:33 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    • #9
    • 13th Aug 16, 11:33 PM
    • #9
    • 13th Aug 16, 11:33 PM
    my credit card is 9.9%
    my catalogue is 0% till january and june next year
    my car is 6.4% i think,
    my credit card is the priority atm . and also clearing cat before interest hits.
    once these are cleared im going to up my monthly payments on my car and hopefully pay it off sooner
    mum of two boys . tackling her debts one day at a time.
    • sugar23
    • By sugar23 22nd Aug 16, 1:14 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    Hi so I've just checked my car finance and my apr is 13%

    I'm going to phone my bank I think and see if I can get a better deal
    mum of two boys . tackling her debts one day at a time.
    • sugar23
    • By sugar23 22nd Aug 16, 1:56 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    My bank has refused me.

    I feel like I'm stuck in a rut.

    mum of two boys . tackling her debts one day at a time.
    • sugar23
    • By sugar23 31st Aug 16, 2:47 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    Doing everything I can to get debt free. Don't feel this will be a short journey but if I can get debt free it's worth it
    mum of two boys . tackling her debts one day at a time.
    • sugar23
    • By sugar23 14th Oct 16, 4:41 PM
    • 68 Posts
    • 153 Thanks
    sugar23
    Wow . Can't believe we are in October already. Not much news on the financial front.
    I need to contact sky about canceling my subscription.
    I also need to crack on with my studies.
    And I need to get my finances back on the straight.
    I hope to move within the next 6 years and this isn't going to happen unless I start tightening the belt . And it will be tight.
    mum of two boys . tackling her debts one day at a time.
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