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  • FIRST POST
    • abby1234519
    • By abby1234519 18th Sep 16, 12:38 AM
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    abby1234519
    Gadget Crazy Abigail doesn't need a new iphone!
    • #1
    • 18th Sep 16, 12:38 AM
    Gadget Crazy Abigail doesn't need a new iphone! 18th Sep 16 at 12:38 AM
    On the path to being debt free I often find I am tempted (and often give in) to the latest new gadget. After watching the Apple thing on Sep 7th I really struggled not to go and buy the new iphone, I had to be talked down by members of the forum! Having the distraction of responding to posts really helped and so I've decided to start another diary. I started one a few years ago and did not stick to it.

    So what is my situation?

    I personally have £9828.69 debt to my name. Down from £13458 but I can't attribute that success all to myself as I've had help from family and also it has gone up and down. Really shouldn't be in this situation.

    I live with my OH and our son. I work full time, OH is a student and is just about to start part time work - he will keep most of this to pay for his university costs and give me £200 a month to put into household budget.

    We have two cars (unfortunately necessary) as OH's university is in a different town - he was getting the train but he can't manage that and work part time. Also, he often takes DS to his mums for the weekend and needs to drive the 2 hours there. Hopefully when he finishes university we can get rid of his car.

    My debts are all on 0% deals at the moment (such a relief this year when the last one finally was balance transferred) and I am making minimum payments. The earliest one to run out will be June 2017 which stands at £684. I will be able to transfer this to my BCard as I've got room and they always are trying to get me to do a another BT. So I am confident that my debts will stay 0%

    I am working at being frugal - it's not a skill that comes easily to me. I found myself ten minutes ago deciding what new clothes to buy. I had to close ASOS and tell myself I didn't deserve them yet!! Because I don't. Anyway, when I've lost some more weight, I can sell my nice dresses on ebay and use that money to buy ones in smaller sizes.

    I finally am making that darn rhubarb jam.

    Kilo of jam sugar + kilo of chopped rhubarb plus a splash or 4 of vanilla essence (homemade) and lemon juice into the slow cooker. It's on low and hopefully by morning it's not all fried to a crisp.

    Also have whacked my 8 (£1.18) baking potatoes in the oven. They are cooling down to be frozen. Hopefully they aren't disgusting when defrosted but hopefully the homemade baked beans I've got in the freezer will perk them up for lunches at work. I made about 4 kilos of home made baked beans last month....4 kilos...

    I've sold my battered ancient tumble dryer for £30 and used that money to buy a small dehumidifer from amazon. I've got a switch timer lying around so when the clothes are drying overnight, will have this running for 4 hours. Worked the cost vs tumble dryer out and its half the price.

    My Very debt stands at £167.50 - this is BNPL which ends 07/07/17 (so yes I recently incurred this debt). My aim over the next few months is to chip money off it. I have things on ebay and amazon (books) and when pennies come in, I make a payment to it. I've also got a current snowball/surplus of £20 which is being diverted to the FD credit card that runs out in June. Min payments will pay £180 off it which means I have another £504 to find. After 3 years of using YNAB I've finally understood the "every penny has a job". I was overspending but taking it out of the buffer (because of the way our income works, ie student finance sporadic). This was detrimental and stopped me learning. I've not got OH student finance to go into a savings account and will withdraw 625 every month as if he was getting that as a wage. I've assigned all money left over to a a savings category to build up a small emergency fund. Once I've reached £1000 to £1500 I will then divert money to debt overpayments.

    I can do this if I curb my spendings.

    Also need to challenge myself to eat frugally and healthy.
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
Page 1
    • louby40
    • By louby40 18th Sep 16, 7:25 PM
    • 556 Posts
    • 1,310 Thanks
    louby40
    • #2
    • 18th Sep 16, 7:25 PM
    • #2
    • 18th Sep 16, 7:25 PM
    You can do it! Keep posting
    Dec 16 Barclaycard £73 0% First Direct £1179 0% Parents £2125=£3377
    Nov 16 Barclaycard £73 0% First Direct £1179 0% Parents £2425= £3677
    Sealed Pot Challenge 10 #572
    Car loan £5024 Mortgage £99,720
    • pennystretcher
    • By pennystretcher 18th Sep 16, 9:42 PM
    • 257 Posts
    • 1,257 Thanks
    pennystretcher
    • #3
    • 18th Sep 16, 9:42 PM
    • #3
    • 18th Sep 16, 9:42 PM
    Subscribed And I like the sound of the rhubarb jam! Yum.
    MFW Sep 2016 £12750 Aug 2016 £12875 Apr 2016 £15500 Apr 2015 £21365
    • abby1234519
    • By abby1234519 20th Sep 16, 2:07 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    • #4
    • 20th Sep 16, 2:07 PM
    • #4
    • 20th Sep 16, 2:07 PM
    The rhubarb jam was awful

    I had the right amount of jam sugar vs rhubarb but 8 hours in a slow cooker was too long and it turned into a black caramelised mush. I couldn't rescue it. It set though....so at least I know I got half of it right! I'm back at mums on Friday, it's getting near the end of the rhubarb season so I am going to take ALL the rhubarb I can get and try again. This time I won't be so lazy as to try to do it in the slow cooker, I'll stand at the hob and do it! Might make some mini rhubarb crumbles for DS to have after dinners, DH hates it unfortunately?

    So...plans plans plans

    My total debt is £9,799.69. I am not including DHís payplan debt as I view that as a "bill" and will focus on getting myself DF and then pay off his. I am responsible for both really anyway. All my debt is 0% and this is reducing monthly by about £230. I have £18 to snowball a month. Yes itís a small amount but significant enough to clear the Very debt of £163.50 before BNPL period runs out.
    I was doing this by ebaying however have diverted ebay funds for a month.
    Two days ago I used £200 of my own money to start Matched Betting. I have to be careful with exposing myself to gambling as Iíve cocked up before. Luckily now the thought of gambling makes me feel sick so I donít risk it. I made thorough investigations in to MBing before starting, by Thursday the £200 will have been fully returned and I will have £60 profit. I also am getting a buzz out of knowing that Iím making money without losing anything (apart from the first qualifying bet). Iíve got a spreadsheet going, and Iím triple checking the system etc. The only way you could lose money is to make a mistake. I will do this until I get gubbed. Once the £200 is returned back into the budget then I will just build a float from that £60 profit so I donít use any more of my own. Itís going into a separate account as well. Iím not going to draw from this until I have enough that I can bankroll it without touching our household budget. I wonít count on this money but I make it then it can pay off the First Direct card as the 0% period runs out in March I think. So thatís £684 at the moment but is reducing by £23ish a month.

    Our landlord is replacing our kitchen in 10 days time which will include an integrated oven.
    Someone is collecting our oven when kitchen is ripped out (£20) and they are also taking the ancient tumble dryer (£20). It does work BUT the run of the worktop is being slightly shortened so won't have space. OH is devastated because he uses the tumble dryer a lot. I am nervous about getting rid of it....but I have spent £30 on a small dehumidifer which will go under the drying rack in the spare room. I have a timer plug so that can operate for 4 hours overnight and switch off. Will have to do washing every day rather than leaving it all for the weekend! I've got the dishwasher on ebay but I only expect £20 for it as itís got a dodgy handle. The profit from selling these will be £25 (due to buying dehumidifier) which will go into a money pot as Iím going to need to pay for new blinds to be put up in the kitchen. Oh and new shelves. I havenít budgeted for these, it is coming out of the savings pot (my small £700 savings pot). I have already purchased a full size dishwasher for new kitchen Ė second hand the exact model I want for £40. Looks to barely have been used.
    Iíve also just paid £40 to have my sofas cleaned. I havenít cleaned them in 3 years and I tried to do it with my own steam cleaner and failed. Now I just need to protect them. Not sure whether to cover them with a throw or if there is a spray to protect them? Weíve had them 3 years and I really want them to last a bit longer! I wouldnít usually pay £40 but Iíd tried cleaning the 3 years of toddler grease off and failed.
    September hasnít been an expensive month but it has been littered with things here and there i.e. the sofa cleaning. All of these things are things Iíd never usually pay for!
    My plan for the rest of September Ė stick to remaining budget.
    £10 for Sisters birthday
    £50 to repair the car
    Continue to make food to put in freezer for when kitchen is out of use in October
    October
    Continue with MBing. Hopefully this will be bankrolled with profits
    Continue with selling things on ebay. I have enough to make a £100 payment to Very (excluding MBin profits)
    If I manage to pay off Very in October start saving to pay off £68 on First Direct using above techniques
    Two weeks without a kitchen so need to live off freezer stores.
    June 2017 Ė First Direct to be paid off

    January 2020 Ė Estimated DFD for myself if no overpayments are made to debt. Will update this as progress is made

    DO NOT ACCRUE MORE DEBT, DO NOT BUY A NEW IPHONE!

    Next post will be less rambly!
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 22nd Sep 16, 10:17 AM
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    abby1234519
    • #5
    • 22nd Sep 16, 10:17 AM
    • #5
    • 22nd Sep 16, 10:17 AM
    Today is stressful

    Life Ė
    DH starts a new job at a Supermarket on Sunday. Working 3 nights a week to fit around his two days at university. Problem is 3 days before he starts his new job, a week before university starts Ė well university have just changed his timetable. Can they do this? Not only does it mean I have to change childcare AGAIN it means he is going to have to change the days he works. At a job he hasnít even started! Heís phoned the supermarket this morning who have said he canít change his first week as itís already locked in and they will look at it when heís in for training. He is very stressed and he does NOT do well with stress.
    He has been really anxious about working nights whilst at university and this is a hurdle that heís struggling with. I donít want us to have a bad family life. At the end of the day, if I hadnít got us into debt we would be able to afford for him not to work.

    Hopefully this will resolve itself, itís going to be hard though if he starts working a Friday night and a Saturday night as it means he will have to sleep all weekend. And that leaves me to look after DS and I struggle with doing that. Iíve still got temper issues and Iím not active (which affects moods etc) so looking after a small child can really push me to my limit. That isnít me complaining Ė heís my son after all! I think itís just that I am aware that I have had it easy for the last couple of years, i.e me working full time and DH and DS entertaining themselves. For example, DH looked after DS all summer, he loves being a dad and I love being at work! I donít view this change as a bad thing, my relationship with DS is good but he ďprefersĒ daddy over me. So nowís the time to get off my !!!! and do stuff. If we can spend Saturdays out of the house then I should lose weight. My mum lives in the Lakes so I could easily take DS up there every two weeks (£25 in fuel) and he can go to his other grandmas every two weeks. If I can manage to cycle to work on the days that DH can take DS to school then I can save fuel to use for the trip to mums.
    Iím going to have to work on my patience though. Iím reading the MarieKon method in an attempt to clear my house out as I think having a tidy house might help my patience!

    Money Ė
    Monday I will be able to transfer the £100 I made from Ebay to the Very account. That would leave £63.50 (exciiitttting)
    MBing currently on £80ish profit. On Saturday I need to withdraw all the money that I ďinvestedĒ to start up and put that back into my account. Then will use that £80 as my float. Aiming for £500 by the end of October.
    Will use this to pay for Christmas (I need about £200 for Christmas). I have quite a lot of presents already but havenít got DS he things yet. Apparently Ninjago is very expensive. But thatís all he wants. Mum is sorting all the lego out at her house that my sister has grown out of. So I want to get him enough lego that he can build with it and then probably about £100 worth of Ninjago. Yes thatís a lot but itís about £25 a set. Will look on ebay first though. Rest of family has a £10 budget each.


    To do this week
    My lunch today is HM butternut squash soupTonightís dinner will be Pork chops from aldi + freezer sweet potato fries + freezer green beans. DS will be having last nightís pasta and a chocolate mousse.
    Tomorrow Iíll be having soup again before going to my mums to help take my brother to university so DH and DS will need to feed themselves. DS is then going to DHs mums for weekend. I come back Sunday so need to pick him up from a midway point (they live 2 hours away). Will need to feed us all Sunday night from the freezer. Sunday afternoon will be a struggle as DH will be trying to nap in prep for night shift and I will need to entertain DS and cook for the week. Kitchen starts being ripped out Friday so I have so much to organise, so much food to pack away! Must not buy any more food as I need to try to live off the stores for a week. Think I might need to go through freezer and chuck stuff away that I donít plan on using, got lots of flour in the freezer.

    Urgh I am stressed
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 23rd Sep 16, 9:58 AM
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    • 2,693 Thanks
    abby1234519
    • #6
    • 23rd Sep 16, 9:58 AM
    • #6
    • 23rd Sep 16, 9:58 AM
    So last night I brought my total MBing profit up to £130. Currently waiting for the money I started up with to go back into my account. Instead of budgeting for it, I just created a category on YNAB and then deposited money into the appropriate bookie accounts so that the category had a minus figure. I find it easier to track that way, as any transaction that goes BACK into that account will bring it up to 0. When it goes into the positive figures then I know thats profit. I'm going to use a redundant bank account for money to go in and out of once I'm back to 0 so that it can stay off budget. I'll transfer money into my main account from that account if I want to put some of it towards debt etc. If I work hard at this maybe I can pay the first direct debt off by the end of the year!

    Monday is pay day - will put the £100 I have saved for extra debt payment on to the Very account. This will leave £63.50. I have just asked them to reduce the credit limit from £1300 to £500 which partially solves my iphone problem. Can't order one on the Very account if I don't have a big enough credit limit!!! Should have some ebay profit to disperse next week as well.

    Managed not to buy food last night - ate freezer food as planned. Spending weekend taking brother to uni so need to try to not eat crap. Buuuut I'll be away from home so probably will. I think once I've driven to mums I'm going to Asda to buy nibbles to resist the urge to buy lots of food on a whim.

    I'm at mums tonight (I hate being away from home) so plenty of time to read my MariKon book and think about how I should clear my entire house out!!
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 26th Sep 16, 9:36 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    • #7
    • 26th Sep 16, 9:36 PM
    • #7
    • 26th Sep 16, 9:36 PM
    MB profit stands at £291.

    Not going to spend any of it till I get to £1000 and even then I will need to keep most of it as a bankroll. But looking forward to using it to chip bits off debt.

    Paid the £100 to Very so have £63.50 left. I've just sold the massive dresser from the living room on ebay however the £70 will need to go towards buying a new dresser. It's going because it dwarfs the room and as there is a table in front of it we never use the cupboards. So its a waste of space. However I think that I will have to spend more than I've sold the dresser for to replace it.

    Still putting things on ebay, have a lot to go so I might have to spend money before I have it and put it back into the fund. Don't really want to do that but no idea where I can store all of the stuff I have on the dresser.

    Have an antique I've sent off for valuation which will hopefully get me £100+. So at the moment - debt has to tick along on its usual payments whilst I scrape money together to replace the unit.

    Time to list everything on ebay!
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 28th Sep 16, 4:08 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    • #8
    • 28th Sep 16, 4:08 PM
    • #8
    • 28th Sep 16, 4:08 PM
    MB profit stands at £315.
    I'm taking a two day break whilst I wait for the money to flood back into the accounts. Then going to move the profit to another account I rarely use and work from that.

    Paid another £18 off Very (ebay) which brings it to £45.50. I know I said I'd save it but I get a buzz from paying off debt. As I also get a buzz from spending money, I'm trying to replace spend-buzz with debt-buzz

    Furniture fund from selling

    Dresser £70
    Dining table and chairs £40
    Tumble Dryer £20
    Cooker £20
    = £150

    Buying 2nd hand table and chairs - £50 and dishwasher already bought - £40

    leaves £60 to buy a new unit to replace the dresser. If I manage to sell the old dishwasher for £20 then I have £80 to a buy a new unit. Then I won't have spent any money...in a sense

    It's two days till the kitchen gets ripped out, I've been busy cooking bologneses and mac and cheeses to freeze. I get so worried that we don't have enough freezer food! Ordered an electric hot plate from amazon for £15 so can cook pasta. Figured this will pay for itself because then I won't buy microwave rice etc. Also means if I do run out of food it will be relatively easy to make a spag bol on it. Going to be weird cooking at the dining table though! A jar of curry sauce + meat + rice will work out far cheaper than a takeway.

    Still eating freezer stores, only got two more days to go ARGH

    My debt stands at £9,636.69. I've given myself a goal of paying a certain amount off by December next year. My set payments for the next 15 months equal £3750. I'd like to be able to pay off an extra £1250 from this to make a total of £5000. That's about £83 a month extra which I think is feasible? I'm not banking on MBing as it's not guaranteed if I found myself making a regular income I would consider adding that in.

    Actually I've changed my mind. I think £850 of that extra £1250 will be easy to make (work bonus) so maybe I should set my target as £6000 to pay off. Yes lets do that.

    OK! Starting from now. I want to pay off £6000 before December 2017.

    I will NOT accrue anymore debt
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 2nd Oct 16, 9:46 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    • #9
    • 2nd Oct 16, 9:46 PM
    • #9
    • 2nd Oct 16, 9:46 PM
    Furniture fund from selling

    Dresser £70
    Dining table and chairs £40
    Tumble Dryer £20
    Cooker £20
    Dishwasher £20
    = £170

    Buying 2nd hand table and chairs - £50 and dishwasher already bought - £40 display cabinet £35

    Leaves £45 in jar. £16.50 coming in this week as sold some DVDs, a book and some pudding basins. That will go into the jar as well.

    The display cabinet I wanted went to £192 and I had bid to a max of £180 as it was a sturdy oak unit. HOWEVER...I wanted to be outbid reason being, day before I had seen someone list a similar unit (just not solid wood) for £35 an hour away (so around £10 in fuel). I collected it yesterday and its currently got all the food we intend to use over the next two weeks. Living room is cramped but we're making do. I've spent more than I'd like on food, probably only got about £50 left but thats because I've bought lots of microwave rice etc. Spent £20 today but got a ton of YS yoghurt, some mince and some herby chicken. Yoghurt should be ok for a few days even out of date, and the mince is frozen. Will cook herby chicken tomorrow on the table hob and have cous cous with it. We're skimping on vegetables for the next two weeks, just trying to stick to microwaveable stuff. Also don't want to use hob when DS is up because its on the table and worried about him getting burnt. So tonight I've taken bolognese out of the freezer and cooked spaghetti. Tomorrow I can just microwave the two together. We ended up having thai curry on Saturday as we had a £10 voucher and I'm having leftovers for lunch tomorrow. I warned my husband that if we had the takeaway so early in the two weeks then there wouldn't be another!
    Coop had chicago town pizza (micro) on offer for £1.14 for two so we can have those when we can't be bothered to cook.

    Not paid anymore debt off. Am working on building a MBing bankroll then plan to shave money off the top to pay off debt whilst maintaining the bankroll. I'd love to make £300 pm on MBing, it would half my debt pay off time!
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 3rd Oct 16, 3:18 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    Seeing as my diary is all over the place I'm going to try to take a more structured approach. I do like to ramble.

    Weekly Very: £0/£10.60 (£63.50 to pay in total)

    Weekly grocery spend £20/£30

    Weekly ebay listing 0/10

    Saving for Car Repairs: £111.35/£250

    N/B My week ends on a Sunday
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 4th Oct 16, 10:07 AM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    Last night we ate freezer bolognese and spaghetti that I had cooked the day before once DS was asleep. Reheated it in the microwave. Nothing special but did the job!

    Breakfast today is some pistachios and a 10p greek yoghurt.
    Snacks for me are fruit that work pays for.
    Lunch is a freezer baked potato and HM baked beans.

    DS breakfast usual cereal, free school lunch and for tea he will be having tinned spaghetti on toast.

    OH will be sleeping through the day and he will make a sandwich. He's not had a good night, his shift manager said that the store manager had got the wrong impression and thought OH had started the job and just willy nilly changed his shifts. He didn't! He phoned them before he accepted the job to say he had to change one of the nights (he had no choice) so clearly someone has had a miscommunication. So now...I'm worried for his job security, he's only been there for two weeks.

    For dinner tonight I plan to cook two out of date chicken herby steaks. Think they are two days out of date but if they don't smell off they will be fine. Will have cous cous with this.

    Weekly Very: £0/£7.6
    (forgot I had made a payment at the weekend that brought balance to £45.50 )

    Weekly grocery spend £29/£30

    Weekly ebay listing 0/10

    Saving for Car Repairs: £140.01/£250 (Thank you amazon book sales)
    Last edited by abby1234519; 04-10-2016 at 10:13 AM.
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 5th Oct 16, 10:57 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    Tonight I went to a friends house for dinner. DS had freezer mac and cheese, OH had microwave pizza and I had food at friends.

    I forgot to eat lunch so tomorrow will have my freezer baked potato and beans. I vow not to buy a bacon sandwich at work tomorrow (£2.80)

    I have a box of cereal at work to go through and milk is provided by work. Need to make sure I have some bananas so I'm not tempted by the tuck shop.

    Weekly Very: £0/£7.6

    Weekly grocery spend £29/£30

    Weekly ebay listing 0/10

    Saving for Car Repairs: £140.01/£250

    No changes to the above but did use £300 of MBing profits to pay a chunk on my First Direct credit card. Think thats at £383? Made me happy. Not paying anymore off it until Very clear, I just felt a bit blergh.

    The plaster in our kitchen is still drying (fitter's put a dehumidifier in there) but the kitchen was delivered today which was very exciting. Also chose the colour paint. AND the fitter confirmed he had spoken to landlord and convinced him not to put the old lights back in (big long halogen bulbs) so that has made me super happy.
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 6th Oct 16, 11:49 AM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    Weekly Very: £0/£7.6

    Weekly grocery spend £30/£30

    Weekly ebay listing 4/10

    Saving for Car Repairs: £150.89/£250

    Dinner tonight will be a fakeaway indian bought from Aldi £3.50 for the both of us and DS will be having beans on toast.

    Sold another book on amazon which I've added to the Car Repairs fund. Have more stuff to put on ebay tonight.

    Have ebay fees to pay of £10 - usually I make a one off payment so it comes out of the paypal allowance before I take my earnings but didn't do that this time so technically I need to pay it out of my money. Plus postage for something. So probably need to deduct £15 off car repairs.
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • EssexHebridean
    • By EssexHebridean 6th Oct 16, 12:55 PM
    • 6,373 Posts
    • 35,173 Thanks
    EssexHebridean
    Looks like you're making a good impact on that Very account. I take it once it's paid off you'll be closing it to remove the temptation to spend altogether? Once you're debt free and back in the position of feeling you can trust yourself with it you can always apply to re-open it, after all.

    We're going to be in th position of being without a kitchen for a while later in the year too as ours is being done. It's a "strip it all out and start again" job too so I'm not looking forward to it much!

    Oh - and Pssst - not sure how old your DS is, but you know he doesn't need £100 of christmas present, don't you. He'll be just as happy with something costing far less, and you'll be happier because you know you've done the right thing for safeguarding his future, too. Also, there is absolutely NO shame in admitting that dealing with little people 24/7 isn't your thing - in fact I'd say that most people feel broadly the same, so well done you for being open about it!
    Last edited by EssexHebridean; 06-10-2016 at 12:58 PM.
    MORTGAGE FREE 30/09/2016
    • abby1234519
    • By abby1234519 9th Oct 16, 3:41 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    Looks like you're making a good impact on that Very account. I take it once it's paid off you'll be closing it to remove the temptation to spend altogether? Once you're debt free and back in the position of feeling you can trust yourself with it you can always apply to re-open it, after all.

    We're going to be in th position of being without a kitchen for a while later in the year too as ours is being done. It's a "strip it all out and start again" job too so I'm not looking forward to it much!

    Oh - and Pssst - not sure how old your DS is, but you know he doesn't need £100 of christmas present, don't you. He'll be just as happy with something costing far less, and you'll be happier because you know you've done the right thing for safeguarding his future, too. Also, there is absolutely NO shame in admitting that dealing with little people 24/7 isn't your thing - in fact I'd say that most people feel broadly the same, so well done you for being open about it!
    Originally posted by EssexHebridean
    I had actually emailed Very and asked them to reduce the account from £1300 to £200 (in case of clothing emergencies which we rarely have) but they emailed twice to say they were having problems with their emails and then nothing happened. I don't think I will ever be able to trust myself as iphone7gate has taught me, so I won't ever open it. I think what I will make sure is that I have a splurge savings account where if I ever feel the need to buy something unnecessary that it won't hurt my budget. Maybe add £10 a month to it.

    The kitchen is coming together but last week was interesting. I've managed fine with the microwave and toaster - which has taught me a lot! Obviously this is only because I've prepared in advance, we've still got freezer mac and cheese left. I've been staring at my new larder unit in the kitchen - previously it was just a tall cupboard, the back had fallen off and you just have to stack things - the shelves were really far apart. Now I've got a slimmer unit but its pull out so I hope it will stop things from getting forgotten at the back of it. Can't wait to plonk all the food in it.

    With regards to the present thing - I don't think £100 is actually that much. I'll explain....it's obviously a lot of money but when your child is obsessed with Lego Ninjago and that is all he wants - it doesn't get you much. Mum's giving him a huge box of handmedown lego for christmas (she gave him a handmedown expensive trainset last year) so I just need to buy a lego Ninjago castle, a Ninjago desert bike thing and then some characters. But it comes to so much money!! Even on ebay. I hadn't planned on buying lots of presents but in the past when I've tried to keep the cost down with cheaper presents it just doesn't interest him. He's not the sort of child who wants lots of presents but he definitely seems to be the sort who wants worthwhile ones. I got him the below for his Birthday which I bought for £40 in the January sales. Ok so £40 on a present is a lot but that was all he got. It's been worth it as he loves playing with it every day rather than watching tv

    http://www.ebay.co.uk/itm/Teenage-Mutant-Ninja-Turtles-Secret-Sewer-Lair-/111688588517?_trksid=p2141725.m3641.l6368

    Just got to weigh up the lego situation.

    !
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 9th Oct 16, 3:51 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    End of week tally

    Weekly Very: £7.6 /£7.6

    Weekly grocery spend £39/£30

    Weekly ebay listing 8/10

    Saving for Car Repairs: £150.89/£250 Can't update as have ebay fees to pay and postage out of whatever is in my paypal account.

    Dinner tonight is two burgers that I will fry on the table hob once DS is in bed and I've bought a lettuce for salad (not very inventive though it is just lettuce and nothing else!). DS will have beans on toast again. (4 days to go till we can use kitchen)


    A friend has given me a soupmaker (which I think is potentially a waste of an appliance) so tonight I'm chopping up the butternut squash thats been languishing in a bag, with some carrots and red thai paste. Need to find a stock cube as well in the mess that is our food storage (ie asda crates in the study). If it works then thats me sorted for the week for lunch! Need to also get the mac and cheese out of the freezer for tomorrow nights tea. Got tuesdays planned as OH and I can have another ready meal. DS must be getting bored of toast related meals! Perhaps I'll cook some spaghetti tonight so he can have that and freezer bolognese this week.

    Goal for this week is not to go anywhere near Aldi as its the Devil's House.
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • abby1234519
    • By abby1234519 14th Oct 16, 11:47 AM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    Friday update

    Very Ė paid off in full. To close or not to close?

    Grocery budget I have stuck to Ė as of today weíre switching to daily spending for the next 17 days just because we have no need to do a big shop just need to pick up a few bits. Our kitchen is very nearly complete, its being painted on Saturday and then the freezer put in place.
    Iíve made £900 this month on MBing, Iíve put some away for my bankroll and taken £400 from it to fund my kitchen purchases. I donít intend to spend £400, but I need to get a bookcase for the corner for all my cookery books. I am undecided as to whether to get a second hand one or a new one, if its new I want it to be a solid one (not ikea) but if its new then itís not going to be cheap! I am trying to find a second hand one, have been checking ebay, gumtree etc. As well as this, we need an oven liner, another oven shelf (it has just the one), a grill pan, a sandwich toaster (getting rid of the cumbersome George Foreman), glass jars for the herbs, and I need to get someone in to fit a blind. So yes, £400 is a lot but I think it covers quite a lot. AND THE MOST IMPORTANT THING? Wonít be put on a credit card.


    Saving for Car Repairs: £150

    Dinner tonight is a freezer ready meal. I refuse to use the oven until Iíve lined the bottom and the door. OH is very grumbly about it

    Son is away at grandmas for weekend, I will be unpacking the rest of the kitchen, shopping for kitchen things and then spending as long as possible making more MB profit
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • EssexHebridean
    • By EssexHebridean 14th Oct 16, 1:53 PM
    • 6,373 Posts
    • 35,173 Thanks
    EssexHebridean
    Friday update

    Very Ė paid off in full. To close or not to close?

    Grocery budget I have stuck to Ė as of today weíre switching to daily spending for the next 17 days just because we have no need to do a big shop just need to pick up a few bits. Our kitchen is very nearly complete, its being painted on Saturday and then the freezer put in place.
    Iíve made £900 this month on MBing, Iíve put some away for my bankroll and taken £400 from it to fund my kitchen purchases. I donít intend to spend £400, but I need to get a bookcase for the corner for all my cookery books. I am undecided as to whether to get a second hand one or a new one, if its new I want it to be a solid one (not ikea) but if its new then itís not going to be cheap! I am trying to find a second hand one, have been checking ebay, gumtree etc. As well as this, we need an oven liner, another oven shelf (it has just the one), a grill pan, a sandwich toaster (getting rid of the cumbersome George Foreman), glass jars for the herbs, and I need to get someone in to fit a blind. So yes, £400 is a lot but I think it covers quite a lot. AND THE MOST IMPORTANT THING? Wonít be put on a credit card.


    Saving for Car Repairs: £150

    Dinner tonight is a freezer ready meal. I refuse to use the oven until Iíve lined the bottom and the door. OH is very grumbly about it

    Son is away at grandmas for weekend, I will be unpacking the rest of the kitchen, shopping for kitchen things and then spending as long as possible making more MB profit
    Originally posted by abby1234519
    Close!!! Go on - do it!!!
    MORTGAGE FREE 30/09/2016
    • abby1234519
    • By abby1234519 14th Oct 16, 8:42 PM
    • 1,728 Posts
    • 2,693 Thanks
    abby1234519
    Email sent to Very! I accidentally overpayed by £7.60 but their system told me a final amount that was wrong.

    My next one to tackle is First Direct which is at £323.62. It was at over £700 just a month ago but I used my MB winnings to pay it down. That won't happen this month as I need to use winnings to build a bank roll. I'm at about £900 but still need to get to about 2k. Once I hit 2k I can use all the ongoing winnings to pay off debt.
    Money money money.

    Debt
    Dec 2016: £25158.71

    December pay off target: £0/£887.71

    Budgeted spends (car maintenance, phone contracts, food, clothing etc) for £2017: £11,100

    Spend 10% less goal is £9990.

    Must underspend by £92.50 a month
    • EssexHebridean
    • By EssexHebridean 14th Oct 16, 9:53 PM
    • 6,373 Posts
    • 35,173 Thanks
    EssexHebridean
    Well done for closing that Very account...temptation, as you say, removed!
    MORTGAGE FREE 30/09/2016
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