Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • sauceoclock
    • By sauceoclock 10th Sep 16, 11:35 AM
    • 902Posts
    • 1,033Thanks
    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!
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
Page 9
    • sauceoclock
    • By sauceoclock 18th Apr 17, 12:05 PM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    I ended things with my boyfriend yesterday, no hard feelings, very amicable, we just work better as friends! Iím in a positive headspace about it and very excited to see what the next few months bring.

    Iíve paid my holiday deposit of £27.50 to secure our accommodation, my nan gave me £20 for easter as a treat so that basically covered it. I have a designer suit to list on eBay this evening and a BNWT Zara dress, anything raised from this will be put in the holiday pot (which currently has £20 in it). I sold a clothing rail on gumtree yesterday to cover the costs of my Ďman with vaní service I have booked for Sunday and the lady turned up with wrong cash (very calculated and horrid of her) Iíd said Iíd like £30 for it, I ended up saying Iíd accept the £20 cash she had and she said sheíd paypal me the other £10Ö Iím not stupid and that obviously will not happen. People are just so dishonest and sneaky sometimes! I need to list my fridge this evening as the landlady at my new place wonít allow me to remove hers, itís a shame as it was a real bargain and a reliable appliance. My washing machine has sold for £190 (a really good price for it) and the man is collecting it on Sunday, I just need to fish the warranty information out. This £190 is going straight in my holiday fund, that and the £20 already in there covers the accommodation, just flights/eurostar and spending to go then!

    I planned my finances to within an inch of their life on Sunday and I feel much better. Iím moving very fast at work and have gained momentum on getting signed off which will hopefully mean more pay soon (I know this sounds greedy but I NEED to earn more so Iím not struggling, I am getting there).

    I spent £34 on a friend yesterday, heís recently moved to London and had *no* food in his house, he doesnít have any family to help him out and was saying heís struggling. He asked me to help and Iíd have said no to anyone else but heís got a special place in my heart for the support heís given me this year and the fact he literally has no family. Heís paying me back on the 25th when his freelance pay clears, I trust he will do so and itís a situation where if he forgets to it wouldnít be awkward to ask for it back (which I will definitely be doing as I put it on my credit card and will want to pay it back off again).
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • sauceoclock
    • By sauceoclock 18th Apr 17, 1:56 PM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    Turns out the washing machine money covers the accommodation AND my transport
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • sauceoclock
    • By sauceoclock 4th May 17, 12:00 PM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    Long time no update! It's been a bit of mania for me.

    I have moved home, I am officially all set up in my new property and the last thing to do is set up my Gas and Electricity (that I'm doing today) and also resolve the ongoing issue I'm having with my internet (which I am at the tail-end of now) I expect to have internet by around the 1st June (gosh, such a long time with no net and no extra income from freelance as a result!). All my other bills have been transferred over, I've just filed for my deposit back from my old place, this was less £30 admin for the check-out so a return of £795.00.

    In terms of moving costs it hasn't been too desperate, my mum kindly let me borrow my deposit, first months' rent and an interim payment to make my rental date the 1st of each month. This was laid out as follows: £625.00 deposit, £625.00 first months' rent, £220 admin fees, £203.50 extra days to make my standing order date 1st of each month. I paid my mum the £625.00 first month's rent back already and she's getting all £795.00 of my previous deposit so the remainder is: £253.50. I was already paying my Mum £50 per month for my MOT and repair costs of my old vehicle and these are now paid up, she has agreed to just let me continue at £50 per month for the time being so in 5 months I won't owe her anything.

    My credit card is sitting under £1000 still so I'm happy with that considering the burden of the costs of moving which are always more than you think. I've also managed to put away £200.00 for my holiday to France by selling some old items. I have a designer label suit I'll be listing on eBay on Sunday that I expect to make a minimum of £50.00. This £50.00 is going in my holiday fund as I'd like to not feel so worried about upcoming costs.

    I've bought a desk using vouchers, a second-hand table with 2 benches that I'm painting with my mum in a few weeks and I paid for a picture to be framed professionally and that's about the only things I've had to really buy myself outside of my usual groceries etc. Everything is actually looking pretty good for me! For the next few months I'll only be paying the minimum payment on my credit card as it's 0.00% interest and I need a bit of breathing space with my new rental payment and the addition of a PCP payment for my car. Other than that financially I feel pretty good! How are you all doing?
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • coastalchick
    • By coastalchick 12th May 17, 3:57 PM
    • 252 Posts
    • 418 Thanks
    coastalchick
    hey sauce - great that you've moved and hope you will be much happier there now! you've done really well with your moving costs as moving is always so expensive!!!
    • sauceoclock
    • By sauceoclock 17th May 17, 10:40 AM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    Long-time no update again! TBH, Iíve been stressed the past couple of weeks and itís reflected in my finances, lots of take-aways and general unnecessary spending. I had a bit of a wake-up call last night (literally, a very expensive picture frame fell off my wall and smashed in the middle of the night) and decided I need to get a grip. Iíve been letting everything get on top of me so I made a to-do list, moving house hasnít helped. Iíve a GP appointment to discuss an MRI today, whilst there Iím going to ask if I can go back on medication to help with my mood. Iím not depressed but I do feel Iím heading that way (mood swings, tearful, not sleeping, not wanting to come to work).

    Dread to think what my credit card balance is but Iím drawing a line in the sand. My phone bill is going to be huge this month but thankfully I have £25 of cashback in my quidco account, Iíll use that towards the bill and I STILL havenít listed that suit on eBay so thatís being done tonight. Iím due a refund from Bristol Energy now that my account is closed as my final reads were less than the previous bill estimates, donít yet know how Iíll allocate this.

    Payday plan is as follows:

    £1,555.60 Net
    £625.00 Rent
    £25.00 Water Rates
    £153.00 Car
    £29.70 iPhone Unshackled Bill
    £100.00 Mum
    £100.00 Credit Card
    £18.99 Internet
    £200.00 food shopping (need to do a huge shop and buy everything!)

    At the moment, no council tax has been set up as I keep trying to notify them and canít get through, going to have to sort this for next month. Also no gas and electric, today Iím phoning Scottish Power who were the previous supplier at my new house, just need to get an account number and then switch away right away to a different provider.
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • coastalchick
    • By coastalchick 17th May 17, 7:16 PM
    • 252 Posts
    • 418 Thanks
    coastalchick
    hey Sauce. You've been doing really well and we all have melt downs from time to time, and great you've had a moment of clarity. You'll get back on track x
    • ada-or-ardor
    • By ada-or-ardor 17th May 17, 8:24 PM
    • 125 Posts
    • 529 Thanks
    ada-or-ardor
    So annoying about your lovely picture!! Chin up, everyone has a blip now and again, and moving is so stressful, I think anyone would be having a few takeaways!!! Try not to be too hard on yourself, you sound like you really have it together, identifying your weak moments and getting onto your GP about low moods :-)

    Ada
    • sauceoclock
    • By sauceoclock 18th May 17, 9:54 AM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    In a much better mood today, thanks for your positivity! I went and got my nails done last night after my GP appointment (which was filled with GOOD news). Then went and stayed at my sort-of romantic interestís house and we had a nice night watching Louis Theroux in bed, just what the doctor ordered. I got up super early today with him and popped back to mine to get ready and walked in to the office feeling positive. Had a more positive afternoon at work yesterday and Iím back on top of my Ďlife adminí. Getting an £80 council tax refund that I can apply to my new bill (should come in todayís post) and got an e-mail saying Iím already at £8.00 Christmas Savers with my clubcard points. Sorted out my Gas and Electric, initially the direct debit will be for £51 a month but this will reduce down in 3 months once theyíve assessed my usage, as I now have economy 7 and given I only really use electric (TV, washing machine etc.) at night anyway it should hopefully come back down again. Took photos of the suit this morning and will list that on eBay on my lunch break, will aim for the auction to finish next Saturday. Out for dinner tonight with friends for a birthday, last treat of this month and in 10 days when Iím paid I need to be really sensible about allocating my money for the month. This weekend I donít have many plans, drinks with a friend tomorrow evening and joining some birthday drinks a bit later. No plans on Saturday (lie-in and housework and getting that picture re-framed, wish I could afford to have it done professionally again but itíll have to be a DIY job in a discount store frame) and then Sunday Iím going to pop to my friendís caf! in a nearby town to have brunch with him.
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 10:54 AM
    • 4,100 Posts
    • 26,635 Thanks
    Hiddenidenity
    Just caught up with your diary and wow! You're amazing!

    Hope your health is better now?

    Your new house sounds lovely and here's to happiness and peaceful sleep x
    • sauceoclock
    • By sauceoclock 23rd May 17, 9:52 AM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    Itís only a few days till payday which seems crazy! Iím currently struck by a bit of a rotter of a cold that I caught from my colleague, our work hygiene could obviously do with some updating, the cleaner only comes once a week I think and the door handles etc. arenít cleaned very often so when one person gets ill in this place we all do. 4 of us are now under with it. Iíve offered to come in on the weekends in June and clear some of our scanning backlog and my bosses have said theyíll pay me (and a friend) to do it, discussing it today in a meeting. Great opportunity to do some overtime and Iíll use whatever additional money it makes me 50% credit card and 50% holiday spending money as itíll soon be September! The work is basic scanning and I can just pop some music on and get on with it whilst having a catch up with my friend.

    I borrowed £40 from my Mum last week to stop me being in an overdraft unintentionally (a bit of bad planning for me and means I wonít get my everyday rewards next month, boo), paid her that back this morning as I got my cashback payout and my council tax refund. I need to call Bristol energy on my break today and ask them where the heck my final bill and refund is. Unbelievably bad service. Iíve paid a chunk off my huge Talk Mobile bill so itís not going to be as nasty on payday, I think there is about £50 left to pay.

    Payday plan is now in place, itís looking good. I was really worried moving in to this new place was going to ruin my financial situation but itís not too terrible to be honest. My main focus as always is getting my credit card under control. I think doing some overtime is the first step on the road but Iím not beating myself up too much, itís a relatively low balance compared to what I see day in, day out at work and if it came down to it there are things I could sell and do to pay it off in one go, Iím just reluctant to do that when itís 0% interest.

    Iíve got a golden retriever coming to stay with me for 2 nights this weekend, heís a friendsí dog and sheís off on holiday. Iím ridiculously excited. Iím also going to Cambridge on Monday to have my hair done (half-highlight foils and a graduating cut) as my friend is interviewing at a new salon and needed a model. I pray he doesnít ruin my hair but know heís a professional so it wonít be awful (plus with highlights at least I can dye it darker after if I hate it).
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • coastalchick
    • By coastalchick 23rd May 17, 6:27 PM
    • 252 Posts
    • 418 Thanks
    coastalchick
    glad you are sounding more positive Sauce! x
    • sauceoclock
    • By sauceoclock 24th May 17, 5:19 PM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    Thanks CoastalChick! Just about to catch up on your diary!

    Having a quiet one at home tonight, I!!!8217;m going to go home and open all my windows, put some washing on and locate a chair for my new desk on gumtree so I can finally go and sit in my office in the evenings and do my usertesting. Bumped in to my old next door neighbour last night and she took my number to go for a coffee, she was SO nice and I!!!8217;m glad she feels we got along well enough to be friends! I always welcome nice positive ladies in to my life!

    Posted an eBay dress off today (extremely late) so I!!!8217;ve partially refunded the postage for the buyer, got there and the postage was cheap anyway so win-win.

    Cannot wait for payday now. Got to get everything back to normal! Finally listed that suit on eBay, hopefully it!!!8217;ll cover my talk mobile bill that!!!8217;s due. Spoke to Bristol energy as well and they!!!8217;re issuing a refund within the next 10 working days, they had a glitch on my final bill which has apparently been sorted. Also talktalk got my final bill right which was a complete miracle so don!!!8217;t need to chase them.
    Last edited by sauceoclock; 22-01-2018 at 11:37 AM.
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • sauceoclock
    • By sauceoclock 30th May 17, 3:16 PM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    Hey guys! Finally up to date with Talk Mobile, back to regular £12 per month bills from now on which is great. Bills all come out tomorrow but looking good again financially this month!
    Last edited by sauceoclock; 22-01-2018 at 11:37 AM.
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • coastalchick
    • By coastalchick 30th May 17, 6:53 PM
    • 252 Posts
    • 418 Thanks
    coastalchick
    no, you're not being over sensitive. They've all enjoyed the food you've bought but you weren't hosting and it was never agreed you'd foot the bill. They don't sound like friends to me. Also, why should you drive - so they can all booze?! I'd put your foot down and tell them how you feel (in as tactful a way as possible) about the food situ, driving and the comments you'd asked them not to make. If they don't pay up/take offence then they're not friends. It's hard, I know because I get that (like me) you don't like tension, but life is too short to waste time on people who don't give a !!!!! x
    • ada-or-ardor
    • By ada-or-ardor 30th May 17, 7:56 PM
    • 125 Posts
    • 529 Thanks
    ada-or-ardor
    I couldn't agree more with coastal chick. The BBQ situation has made me angry on your behalf!!! Don't be the mum of the group - maybe you should just pull out and put the money to use elsewhere. At this rate, it would be a horrible holiday anyway as you'd build it up to be horrible. Honestly, they do not sound like friends. Sorry!! If you pull out and !!!!! about it, you could just say you can no longer afford it after paying for a BBQ for 11 people and are too tired after putting all the food away on your own...... ;-)

    Seriously though, it's probably part of a bigger problem with your friendship circle so I'm sure it's not that easy, but the BBQ and the holiday hire car situation sounds like it's starting to be a pattern, and if you already think they are using you, maybe it's time to move on and make some new friends, as painful as that whole experience might be...

    Good luck - you sound a lovely person, I'm sure you'll make the right decision for you :-)

    Ada x
    • Hiddenidenity
    • By Hiddenidenity 30th May 17, 9:02 PM
    • 4,100 Posts
    • 26,635 Thanks
    Hiddenidenity
    I agree with what's been said definitely not over sensitive! Tbh they don't sound like friends you need nor want!

    If you go on holiday with them will you actually get to enjoy it? Or will they treat you like this while you're there?
    • coastalchick
    • By coastalchick 31st May 17, 8:34 AM
    • 252 Posts
    • 418 Thanks
    coastalchick
    I've also had this recently but in a different way - not using me to pay for stuff/services but just a group of girls I am "friends" with where we are on a whats app group and every time I say anything 2 of the girls go out of their way to change the subject to something completely random. I've now taken to organising things separately with the girls who I do want to stay friends with (just 2 - and they don't ignore my messages and respond to them even if the others have changed the subject) and ignoring the others. Am dreading the 7th as have them all coming over here (think bar 1 of !!!!!y girls) and the other !!!!!y girl is only coming to see the new house I think. But I've heard she's leaving anyway so thats good.

    Guess point is, try to get rid of the people who make you unhappy. As I've got older I've realised that sadly there are very few genuine people in this world and better to surround yourself with (even if its 1 or 2) people who add to your life, not take away from it. Maybe pick those in the group who have paid and who make an effort and organise things with them separately. We're not 16 anymore though it does at times feel like it!
    • sauceoclock
    • By sauceoclock 31st May 17, 10:42 AM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    Thanks guys! I went out to the bingo last night with a couple girlfriends and won £40 which sure helped soften the blow of the bbq!

    It does feel very immature but to be honest I can't sit by whilst people use me, it makes me feel rubbish about myself!
    Last edited by sauceoclock; 22-01-2018 at 11:38 AM.
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • sauceoclock
    • By sauceoclock 5th Jun 17, 11:26 AM
    • 902 Posts
    • 1,033 Thanks
    sauceoclock
    Not very MSE this weekend, new glasses (to the tune of £134 but I did get £65 off how much they would have been in vision express by ordering them online), new dress purchased for a work trip to the races and a wedding (£46), roast dinner with a friend at a restaurant on Sunday (£15.30). To make up for my appalling spending this weekend I!!!8217;m pleased to say my suit has 35 watchers on eBay and I anticipate it selling for a reasonable amount and I!!!8217;ll use this towards the cost of my specs, the dress is covered by my old gas and electric company refund and roast dinner I could afford. No plans this week aside from baking brownies with a friend on Thursday and visiting a sick family member in hospital in the evenings (parking is so expensive, need to raise some funds for it). Reconnected with a couple of my friends, ended things with a guy who wasn!!!8217;t treating me how I should be treated and both those things thankfully have me feeling less anxious. Popping my to-do list below so I have to be accountable as getting home late from the hospital is seeing me get really behind on my regular house-keeping:

    - Put washing that is dry away, wash sheets and do 2 x loads of dark washing whilst the weather is warm.
    - Empty kitchen, bathroom and office bins, disinfect kitchen bin.
    - Hoover bedroom, bathroom and office then hoover kitchen.
    - Get picture that fell off the living room wall re-framed and re-hang.
    - Take car to be cleaned.
    - Buy sister!!!8217;s birthday present from a friend (digital illustration of her dog by a friend with an illustration business).
    - Choose birthday present for Mum and Niece (birthdays are in July on the same day!), purchase on payday.
    - Make online account for gas and electric to upload metre readings easily.
    - Cancel current gym membership as its too far from work/home.
    - Make enough money on usertesting for a manicure.
    - Work 3 hours on Saturday and 3 hours on Sunday (extra cash) for credit card bill at the end of the month.
    - Make £10 argos voucher entering recent purchases on consumer pulse.
    - Find the love of my life, emigrate to Fiji, live the rest of my days on a beach.
    Last edited by sauceoclock; 05-06-2017 at 2:52 PM.
    Loan: £3,600 £2,242.46
    Credit Card: £1,758.95 £1,458.95
    Goal Debt-Free Date: February 2019
    Rainy-Day £6,000: £701
    • Florence J
    • By Florence J 5th Jun 17, 6:44 PM
    • 1,885 Posts
    • 11,124 Thanks
    Florence J
    I wish you the best of luck with the last thing on your to do list
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    February 2018 Credit Card Debt: £3885
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

5,307Posts Today

6,551Users online

Martin's Twitter