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    • jvr
    • By jvr 3rd Oct 16, 11:17 AM
    • 247Posts
    • 885Thanks
    Changing habits, wanting freedom
    • #1
    • 3rd Oct 16, 11:17 AM
    Changing habits, wanting freedom 3rd Oct 16 at 11:17 AM
    So finally looking at starting a diary, need something to keep me on track! So debt stands at 5,481.43 was originally about 6,000 6 months ago. It’s a mixture of spending due to buying our first house and not adjusting to me being on a much lower income down about 10,000 a year.
    So I am 27 and live with my OH and two dogs and one cat. We want to think about having children soonish and the debt needs to be gone. Complications are due to the fact my OH is
    from SA, every two years we have had about 2,000 to pay out for visa’s we also have to send money back to SA to family over there. Luckily the next visa in 2.5 years time will be for citizenship but could cost about 3,000.

    1 year ago I quit my well paid but horrendous job and started working in admin and a horrifying low wage but without any of the stress. I’m a bit bored now but love my team and organisation so hopeful that I can change my role within the team and have it be a bit more interesting and more money!! Between me and OH we earn just under 40,000 a year so where the hell does it go!?
    Things holding us back – my OH is terrible with money (not that I am perfect) although he is getting better its hard. We also both smoke….. Switched to role ups and have halved the costs but still for our bank balance/ health and hope to have kids we have to stop this. My mental health is also a bit of a problem with on and off depression and anxiety making things tricky.
    I control our spending except for OH’s allowance which he often runs out of far too early considering how much he gets. For last 3 months have stopped putting anything on cards, have redecorated down stairs without making more debt and have paid off about 100 a month. Also started a savings account for Christmas and OH’s car insurance next year in hope to not spend ages paying debt just to get back into it when a big bill comes along! Did all the switching energy suppliers etc to save money but just seems to end up in black hole. Also started cycling to and from work which saves on bus fair and is good for health!
    Other big expense is I am have driving lessons at the moment which is holding back the debt repayment and feeling frustrating but has to be done if hope to get this other job ~(and just because in life it is good idea!!)
    Been reading lots of diarys and found so many people inspiring yet I still seem to run through money with nothing to show for it…. So hoping this will keep my on track!
    Credit cards: £6000 now £4650 aim to be debt free (ignoring mortgage and student loans) by Dec 2017
Page 13
    • MistyMountainTop
    • By MistyMountainTop 18th Apr 17, 10:39 AM
    • 459 Posts
    • 1,480 Thanks
    Finally caught up - I hope things are better now, and you've been able to relax and take a bit of time for yourself. This is something I need to remind myself to do, it's so easy to get caught up in the whirl of everything that needs to be done at once and then feel terrible when you can't do it. I've found so many things in Honey Bear's post that apply to me as well...
    Current Weight Loss: 2/ 96
    • jvr
    • By jvr 19th Apr 17, 8:07 AM
    • 247 Posts
    • 885 Thanks
    Oooops been a bit absent again!

    Thanks for the messages - and you will find Misty, that I get most of my wisdom from Honey Bear!

    I've not really done an SOA as switched everything to the cheapest deals so my 'bills' are not very high, biggest expense is OH's phone bill but that's fair enough with family in SA...... my problem is def day to day spending and FOOD!

    OH was complaining that all his clothes were so old, so I gave him the remaining M&S vouchers from switching bank and the £25 I got from work, we went last week and he got some nice bits and then we went to the food hall..... told him to go look for yellow sticker items and can you believe it... he got SO into it and some fab bargains mostly put in the freezer... bill from £100 was only £13 once I used the vouchers
    So May should be our last really tricky month moneywise as the dog needs spayed (£220) and we have the cottage for sisters wedding to pay for. Anything left will repay the overdraft and keep up minimum payments on the cc.
    Interview is Monday and thankfully work will pay for the train to the other office down South (£97) need to finish my presentation urgently!
    Otherwise things are pretty quiet and I'm just waiting for pay day on Friday, also just heard that need to send latest pay slip and then mortgage should be organised. They have put a higher estimate of the value of the house than the original bank we looked at applying to
    Credit cards: £6000 now £4650 aim to be debt free (ignoring mortgage and student loans) by Dec 2017
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