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  • FIRST POST
    • sauceoclock
    • By sauceoclock 10th Sep 16, 11:35 AM
    • 742Posts
    • 663Thanks
    sauceoclock
    Single, independent & in (a little bit of) debt!
    • #1
    • 10th Sep 16, 11:35 AM
    Single, independent & in (a little bit of) debt! 10th Sep 16 at 11:35 AM
    Hi guys!

    I had a debt-free diary that started in 2014 and so much has changed in my life since that it's time to start fresh with some new ideas.

    I work full-time, live alone in a flat that I privately rent, have a car and not many commitments. I will do an outline of my costs in the next post.

    I am currently taking some exams via my job that will result in a much better paid position. I do usertesting when I have some free time so supplement my income, I'm a bit of an eBay whiz & I've been on a mission to reduce my food waste and utilise my full size freezer.

    I owe £450 on a credit card, this is from some new clothes I desperately needed, my home insurance renewal & a couple of trips to a wholesaler to buy some bulk items. I also 'owe' my grandmother £6,000,00, this my flat deposit, some of my moving fees and my car. This doesn't need to be paid back any time soon, I had started paying it off but needed the money during a brief period of unemployment.

    I look forward to starting a new journey!
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
Page 10
    • sauceoclock
    • By sauceoclock 6th Jun 17, 10:24 AM
    • 742 Posts
    • 663 Thanks
    sauceoclock
    Thanks Florence J, I live in hope!!!


    Finished work last night, went to Lidl and spent £25 on some staples (including laundry detergent and a shower caddy as I now don’t have the luxury of a bath to rest my bottles of product on anymore). I’ve planned my meals for the week so I start cooking, for some reason I’ve been so averse to cooking in my place and I’m not sure why, perhaps stress… (family member is in hospital and visiting is slowly crucifying me). Left mine with a frozen pizza and headed to a friends’ afterwards where I spent the evening and they convinced me to come back in to the group holiday, they’ve done a lot of planning and I think have a bit of appreciation for what I was trying to say and do, it would mean no driving in France too. It’s been really good to reconnect with them.

    My plan for today’s lunch break/tonight is:

    - Do the mountain of dishes in my sink that have mounted up since 2 days ago (not like me not to do my dishes right away)
    - Empty all the bins in the house and disinfect the kitchen bin.
    - Put the clean sheets and washing away
    - Put the load of darks washing in to wash & hang it out just before bed
    - Make the Scottish Power online account
    - Set up council tax direct debit (thought I’d paid and I haven’t and I need to get on top of that!!)
    - Chase up landlady to chase up plumber for my bathroom sink

    I’m staying home tonight and making cheese and potato pie because I fancy some comfort food and have some potatoes I don’t want going bad. I’ve noticed the sclera of my eyes are yellow and my sister commented as such, I’m going to ask for a blood test to check for anaemia as I’m displaying all the classic anaemia symptoms and the tiredness and insomnia (body wakes me up super early, not struggling to drift off at all) are becoming a bit of an issue.
    Last edited by sauceoclock; 06-06-2017 at 2:07 PM.
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • Hiddenidenity
    • By Hiddenidenity 6th Jun 17, 10:59 AM
    • 4,391 Posts
    • 17,831 Thanks
    Hiddenidenity
    Make sure you put seeing the Dr to the top of your list!

    Glad you've made up with friends.
    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
    • sauceoclock
    • By sauceoclock 8th Jun 17, 2:57 PM
    • 742 Posts
    • 663 Thanks
    sauceoclock
    Caught up on a lot of jobs. Visited my family member in the hospital last night, didnít get home till 9pm and all but collapsed in bed. Going to get my nails done tonight because they are a complete mess, once I finish up Iím heading home to put clean sheets on the bed, hang the sheets Iíve washed out and cook myself some risotto. I wasnít well in the night but I came in to work after a quick stop (and hospital referral) at the GP this morning. Still havenít got my glasses which is annoying, theyíre specialist lenses so I might be waiting 2 weeks!! My headaches are out of control so I hope it isnít that long.

    Work is monumentally busy at the moment, it has been difficult to maintain motivation so Iím hoping things will improve. It feels like I never get anything Ďdoneí, Iíve made a couple silly errors and my progression has taken a backseat. Working Saturday and Sunday, just a few hours each day and then my boss is going to pay me on Monday, Iíll be paying whatever they pay me off my credit card and hopefully itíll help to cover/fully cover my new glasses as that was an expense I didnít factor in this month, at least then Iíll be back to evens. Whilst there are momentary feelings of Ďeverything is out of controlí at the moment I am doing quite well to maintain a sunny disposition and I hope that in a few weeks I will be back to my full self. Iím getting my hair cut tomorrow after work as itís dry and frizzy, he trims it and charges £15, Iíll need to earn that back somehow (suit is due to end tomorrow but Iíd like all the proceeds to go on to my credit card rather than day-to-day life).

    Still waiting on my Bristol Energy final bill and refund, appalling service considering I moved in to my place on 22nd April and had notified them 3 weeks in advance. I hope they have a decent excuse or Iíll be filing a complaint. This money is also destined for my credit card.

    Just voted on my lunch break! Hope you all make the time to vote if you havenít already, itís important to use your voice even if you feel it wonít matter!! xx
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • sauceoclock
    • By sauceoclock 9th Jun 17, 10:19 AM
    • 742 Posts
    • 663 Thanks
    sauceoclock
    Got my nails done, they look absolutely amazing! I feel better for it as stupid as that sounds. I went to the pub (for lemonade ) afterwards then home, I put all my washing away, put clean sheets on the bed and did all my dishes before snuggling down and drifting off. I woke up this morning at 6:15am, I am not sure why I am waking so early (today I wanted to check the election results anyway)… I do have to say I feel hyper-stressed and have done for about 8 weeks. I know I probably don’t have any more to do than most people but the necessity in my brain to keep my home to my standards of clean and tidy and my finances organised (some of my friends have several maxed out credit cards, loans etc. and I just couldn’t sleep if that were me) does mean sometimes I feel I am not able to rest. Add in moving house (in to a house that needs serious attention as it was such a state), a family member in hospital, another close family member being severely unwell, over-time on the weekends and work being insanely busy and to be honest it is hardly surprising! I’ve really gone for my housework this week so that this weekend all I need to do is my few hours at work each day, a hospital visit on Sunday and some time to relax. That makes me feel very excited, I need some quality chill time and I never allow myself any, I say I am going to chill then end up all over the place or cleaning like a lunatic. I know it won’t harm me to have an untidy house or chores left for another day but it does make me feel better when it’s all done and dusted.
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • coastalchick
    • By coastalchick 9th Jun 17, 10:49 AM
    • 141 Posts
    • 235 Thanks
    coastalchick
    glad you've reconnected and sorted out the friends issue but sorry your family member is unwell. Hope they make a speedy recovery. Know what you mean about being out of control - but do try to chill and take some time for you. A day or few of an untidy house does not a mess of a life make! x
    • sauceoclock
    • By sauceoclock 11th Jun 17, 12:57 PM
    • 742 Posts
    • 663 Thanks
    sauceoclock
    Thanks Coastal!! I'm just in the office (just taking a little break to snarfle down a sarnie) catching up on some admin. It's a monumental task so there is no way I'll get through it all alone. Going home at 2 as I'm tired and have lots to get on with.

    I've chilled out this weekend, spent a little bit of money on a takeaway pizza yesterday but I have leftovers for dinner and also bought a t-shirt in the city as it got so hot! I'm dressed for the weather today!

    This week is going to be exceptionally busy at work, I'm dreading it if I'm honest and I only hope we somehow manage to catch-up. Aside from that so far I have nothing on in the week, I'm up to date with my laundry, my house is clean (hoovered it all with my newly serviced hoover and I was mortified at the dust!), kitchen is spotless, smells like my home finally when you open the door.

    Still not sleeping great, I went to bed at 1am last night and my body woke me up at 6:44am.. I think I am getting too hot so I've unpacked my fan but I'm not sure if it will help.
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • MrJester
    • By MrJester 11th Jun 17, 10:20 PM
    • 937 Posts
    • 424 Thanks
    MrJester
    Hello sauce.

    Long time no speak. Hope you are doing well. Fancy giving me a mini rundown of your life & finances? I'm back here once again myself 'cause I need the support again to focus on my money issues, but more about that in my own thread soonish.

    Hope all is good and on the up, though. x
    My new 2017 Batman-like debt free diary (£26k+)!
    • MrJester
    • By MrJester 12th Jun 17, 12:01 PM
    • 937 Posts
    • 424 Thanks
    MrJester
    I'm back, sauce, right here:
    http://forums.moneysavingexpert.com/showthread.php?p=72686039#post72686039
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 12th Jun 17, 2:28 PM
    • 742 Posts
    • 663 Thanks
    sauceoclock
    Hello my old friend!! Happy to see your comments today, will check your diary out ASAP.

    Basically, on £24k a year, qualified as a mortgage and protection adviser, working in Norwich, moved back here in 2015 and happy as Larry. Got 1 credit card with £1100 on it and about £300 owed to my Mum, that's me covered financially tbh!
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • MrJester
    • By MrJester 12th Jun 17, 4:04 PM
    • 937 Posts
    • 424 Thanks
    MrJester
    Hello my old friend!! Happy to see your comments today, will check your diary out ASAP.

    Basically, on £24k a year, qualified as a mortgage and protection adviser, working in Norwich, moved back here in 2015 and happy as Larry. Got 1 credit card with £1100 on it and about £300 owed to my Mum, that's me covered financially tbh!
    Originally posted by sauceoclock
    Sweet. Not a bad wage when outside London at all. Are you still earning some extra with PPH or similar?

    Got your own place right?

    That debt's manageable I'm sure, even if you need to do a balance transfer now and then you should be good
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 15th Jun 17, 3:47 PM
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    • 663 Thanks
    sauceoclock
    Iíve made a big decision, I appreciate it may not be what everyone perceives as the right choice but Iíve crunched the numbers over and over again and feel this is the right decision for me. Iíve consolidated my car insurance, moving costs, credit card debt and phone loan in to one loan. The minimum payment is £68.68 per month with unlimited overpayments and no early repayment charges. This reduces my monthly outgoings on debt by £110.00 and if I so wish in the future once things are settled I can overpay each month. It gives me a chance to save up the balloon payment for my car in a few yearsí time, reduces the interest Iím paying on my phone and am about to pay on my credit card and also takes away the temptation to spend money on a credit card as mine will be closed down.

    I have been spiralling down and down with debt and whilst my debts are relatively low I canít keep on as I have been just in a downward direction, soon itíll just start getting out of hand. This is going to be a good thing for me, I really feel it! Iím due another payrise hopefully within the next 12 months but it may not come as soon as Iím hoping and I donít want to rely on things that *might* happen so managing my debt on my current salary has taken the front seat. Thankfully I donít need anything for my house except a desk chair that I have asked for contributions for as a birthday gift this year. I can continue shopping at LIDL and I can reap the rewards of not drinking alcohol etc. and live in the nice knowledge my car is under warranty and gap insurance is paid for. Iím ready to start living my life and not worrying about money. This is a good day!
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • Florence J
    • By Florence J 15th Jun 17, 3:51 PM
    • 1,559 Posts
    • 8,783 Thanks
    Florence J
    Hi Sauce,

    If you've made a decision that is right for you, then it is the right decision. Don't worry what anyone else thinks.

    It's been a bit of an expensive time for you with your moving costs, having a bit of freedom to ease up on payments, but also having the freedom to pay more when and if you can is all good news.

    Take care. x
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1257.28 Pay off all your debts by Xmas 2017 #53 (£2313.43/£3000) Debt to OH paid back £851.75/£1001.75
    July 2017 Credit Card Debt: £4519.44
    • coastalchick
    • By coastalchick 15th Jun 17, 8:15 PM
    • 141 Posts
    • 235 Thanks
    coastalchick
    totally agree with florence J - you've not made a rash decision, it's a fully considered one and if it makes you feel better/things more manageable then totally right
    • MrJester
    • By MrJester 15th Jun 17, 8:22 PM
    • 937 Posts
    • 424 Thanks
    MrJester
    Hey sauce.

    I'm sure you've crunched those numbers consistently. It helps the mind stay a bit clearer with just one debt to have to worry about, you just pay your money all into that one thing to chip away at it when you like - its less overwhelming at the least. £110 extra each month is quite a fair amount too, so you might be able to actually live a little with it.

    It's all balance isn't it, we all want to get rid of our debts but feeling like you can't live and are just drowning in it often makes us go further downward with perception of it and thus more likely to make it worse in a burst of yolo..
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 19th Jun 17, 4:09 PM
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    • 663 Thanks
    sauceoclock
    Loan went in on Friday. Paid off the phone account, paid off the credit card, paid off my moving costs, set aside my car insurance money and now itís smooth sailing. I feel relieved knowing all these different payments each month have been consolidated. Iím being paid for my overtime this afternoon via BACS transfer, thatís just going to be chucked towards my glasses (bought them on Saturday, £270.00 which isnít very MSE at all but I like them and have done a lot of overtime to afford them). Also had a usertest clear to the tune of £12 so I made a £12 payment off my loan. Closing down my C/C once the final payment clears tomorrow and have requested the account my phone came from be closed too. I donít want loads of dormant credit.

    Been quietly seeing a guy the last couple weeks, he lives away but comes back here regularly to see his friends and SonÖ heís really great and weíve decided we are just going to make a go of it... I have a feeling this is something quite real and has the potential to be serious. Donít want to jinx it but heís everything Iíd look for in a partner and he has said as much of me. All good things come to those who wait!
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • sauceoclock
    • By sauceoclock 27th Jun 17, 12:00 PM
    • 742 Posts
    • 663 Thanks
    sauceoclock
    So in this weeks’ episode of Sauceoclock and her crazy life….. my boyfriend and I have decided to throw caution to the wind and when he leaves Leeds in September he’s going to move in to my house back in Norfolk. For me, it’s going to halve my outgoings and relieve financial stress, I get to be with a guy I just ‘click’ with and we get to find out if it’s going to work long-term or not. He asked initially but I am all for it as it’s just working, it isn’t one of those things where we need to date for a prescribed amount of time, he’s even coming on the group holiday as my friends all clicked with him too and invited him along!! The house will remain mine, I will remain primary tenant and should anything go wrong I at least will be in a better financial position to continue as I have been. It’s going to really change things up!

    In terms of MSE/being organised… I have a big list of jobs to do this week that I’ve listed below.. It’s also payday this week but I can kind of just tick over. I’ve bought my Mum, Sister and friend their birthday presents and I also need to bring £20 in to the office for 4 birthdays this month.

    1. Sort through photos on my computer, delete any that aren’t worthwhile and have a bit of a file clear out on laptop (Wednesday evening).
    2. Edit friends’ job application form and return to her (this evening)
    3. Call and have a catch up with my sister (this evening)
    4. Call and have a catch up with my nan (Wednesday lunchtime).
    5. Send a link for the chair I want for my desk to Mum for birthday present (this lunchtime)
    6. Buy a mop and bucket and give the kitchen floor a deep clean (Friday morning)
    7. Hoover bedroom, bathroom, landing, office, living room and kitchen.
    8. Buy a sushi mat from the supermarket (Tuesday).
    9. Wash new sheets purchased and change them on Friday morning before work.
    10. Make arrangements to see my friend from London on his visit over the weekend.
    11. Get my nails done (Thursday evening).
    12. Pick new glasses up (Thursday evening).
    Last edited by sauceoclock; 29-06-2017 at 9:59 AM.
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • sauceoclock
    • By sauceoclock 29th Jun 17, 9:54 AM
    • 742 Posts
    • 663 Thanks
    sauceoclock
    I’m switching my focus to my credit rating now that my debts are under control and more manageable, my credit rating has suffered a real beating from house-moves, taking out my car finance and taking my phone as an unsecured loan. I have now paid off the unsecured phone loan, my credit card balance is now £0 and the only financial accounts showing with a balance on my credit report should be my car and the consolidation loan, both of them being new debts mean it looks like I’m maximising my credit (which yeah, I guess I am!). All my address changes have now gone through, I am on the electoral roll and I’m coming up to 1 year with my bank, I found once I hit 12 months of living in my last pad my credit rating shot up so hopefully that’ll help next year too. When my boyfriend moves in I am going to be in the fortunate position to overpay a little on my loan (some months, I have a plan to tuck £175 a month away for my car balloon payment as I want to keep my mean machine until it can’t run anymore and will be good to just own it) so hopefully reducing my exposure quicker and bringing the rating up. Just going to update my list in my previous post as I’ve been super super productive.

    Edit: I have also never missed a payment and all my accounts are up to date so my credit rating shall recover...
    Last edited by sauceoclock; 29-06-2017 at 9:58 AM.
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
    • MrJester
    • By MrJester 29th Jun 17, 11:42 PM
    • 937 Posts
    • 424 Thanks
    MrJester
    I'm sure your bf moving in will be useful for you financially. Hope that works out otherwise too.

    Remember the best credit is cold hard cash
    My new 2017 Batman-like debt free diary (£26k+)!
    • coastalchick
    • By coastalchick 30th Jun 17, 8:17 AM
    • 141 Posts
    • 235 Thanks
    coastalchick
    so please for you with the bf situ sauce! and will def help financially (though if he's anything like B you may find your food bill goes up even if you are splitting it!!!)
    • sauceoclock
    • By sauceoclock 30th Jun 17, 9:41 AM
    • 742 Posts
    • 663 Thanks
    sauceoclock
    My boyfriend arrives from Leeds this evening after work, Iím so excitedÖ Iíve really missed him the past 2 weeks and a phone-call/video chat isnít quite the same as speaking face to face in my opinion (though it certainly does help). I got up early this morning to do my face and hair so I can make a start on dinner straight away when I get home. Coastal ha! Heís vegan (Iím vegetarian) and in my experience fresh fruit and veggies are cheap but the volume weíll need will mean more money, for sure!

    Picked up my new glasses last night, I love them and theyíre already really helpingÖ My strained eye feels much more relaxed.. Think they might give me headaches for a few days. Went after that to get my nails done and paid for my friend to have hers done, sheís helped me out a lot and she needed a treat as sheís having a really tough time. £50 was the total bill which my boss gave me a cheque for yesterday for some overtime so no harm done to my bank account!
    Christmas Shopping: £30 Amazon £30 Argos £10 Tesco
    Loan: £3,000.00
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