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  • FIRST POST
    • SunshineBecks
    • By SunshineBecks 21st Oct 16, 7:06 PM
    • 46Posts
    • 80Thanks
    SunshineBecks
    Debt free before 30.. can I do it?
    • #1
    • 21st Oct 16, 7:06 PM
    Debt free before 30.. can I do it? 21st Oct 16 at 7:06 PM
    Right this is the start of the new me, new beginnings and becoming debt free. I am determined to sort myself out financially before the big 30- only 3 short years away! I guess I have had my LBM, I start a new job in two weeks so it feels like a fresh start.

    As of today my debts are as follows:
    Halifax CC: 4570
    Aqua CC: £300
    TSB overdraft: £100
    Santander overdraft: £500
    Brother: £300

    Total: £5770

    and a grand sum of £0 in savings.

    My goals for the rest of 2016-
    - Get up to date with my Halifax payments to avoid any more charges etc
    - Pay off TSB overdraft and stay in the black
    - Pay off Aqua CC
    - reduce phone bill
    - Do not buy any more clothes, shoes or make up in 2016
    - Ebay the hell out of life
    - start meal planning and spend less in supermarkets.

    I will report back daily.

    Here's to becoming debt free

    Becks xx
Page 1
    • Bobarella
    • By Bobarella 21st Oct 16, 8:33 PM
    • 10,450 Posts
    • 69,680 Thanks
    Bobarella
    • #2
    • 21st Oct 16, 8:33 PM
    • #2
    • 21st Oct 16, 8:33 PM
    Good luck with your plans SunshineBecks!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • SunshineBecks
    • By SunshineBecks 22nd Oct 16, 9:41 AM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    • #3
    • 22nd Oct 16, 9:41 AM
    • #3
    • 22nd Oct 16, 9:41 AM
    Day off today with the little one- my favourite kind of day.

    I need to post 4 EBay parcels and that's the only money I'm going to spend. Will head to the park and go for a walk around the loch for free entertainment.

    My goals for today:
    - eBay 5 items
    - weekly meal plan and shopping list
    - ring EE to see if I can reduce my phone bill

    Here's to a money saving day

    Becks
    • SunshineBecks
    • By SunshineBecks 23rd Oct 16, 11:41 AM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    • #4
    • 23rd Oct 16, 11:41 AM
    • #4
    • 23rd Oct 16, 11:41 AM
    Well it's been a disaster, yesterday was a write off. The only thing I managed was to post the EBay items. Little one was in a terrible mood, he must have been over tired after 2 full days at nursery. So that was draining, dealing with tantrum after tantrum. I ended up in Costa spending £7 and Boots spending £3. so angry at myself.

    At least by admitting all my spends here I can see where my weaknesses are, one being coffee shops!

    This morning I was already to get off to work when the OH phoned to say he has been in a car accident, thank god he was okay but the car is a write off. The insurance will cover it but the excess is £400 and we don't get a courtesy car. How on earth we will find that money I just don't know. I feel that we need cut a bit of slack, it has been a long run of bad luck for us!

    As for goals for today. There won't be many as I just want the OH home to give him a big cuddle. I will try and do some Ebaying and we can sit and work out where we will find £400! Any ideas, please let me know??

    Becks x
    Last edited by SunshineBecks; 23-10-2016 at 7:11 PM.
    • SunshineBecks
    • By SunshineBecks 23rd Oct 16, 7:17 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    • #5
    • 23rd Oct 16, 7:17 PM
    • #5
    • 23rd Oct 16, 7:17 PM
    Not much happened today, apart from making sure the OH was okay after his little accident.

    I have done a Meal plan for the week and we should be okay until payday which is this Friday.
    I spent £16.50 in Tesco getting some bits for the week ahead and some treats to cheer us up a bit, that was an unnecessary spend but chocolate and ice cream are my weaknesses. I have 3 items finishing on Ebay this evening so hopefully they will all sell.

    I am working tomorrow and will now need to get the bus to work which will be my only spend.
    The plan for tomorrow:

    - Take lunch to work from home
    - Return Primark clothes for refund back onto the Aqua cc £15

    Becks x
    • Jacko_amz
    • By Jacko_amz 23rd Oct 16, 9:09 PM
    • 250 Posts
    • 301 Thanks
    Jacko_amz
    • #6
    • 23rd Oct 16, 9:09 PM
    • #6
    • 23rd Oct 16, 9:09 PM
    Hi SunshineBecks

    I too am 30 in 3 years time and wish to be debt free before then I started a new diary today too.

    It's crazy isn't it when you add up all the little buys (£3 here and there) I have been doing this as i work in the community and am out and about all day however now i have a office based job starting on Thursday and hopefully this will eradicate them little spends!

    Good luck on your journey
    Learning to be alone and that its ok!


    Tesco Loan - 10600
    • SunshineBecks
    • By SunshineBecks 25th Oct 16, 7:11 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    • #7
    • 25th Oct 16, 7:11 PM
    • #7
    • 25th Oct 16, 7:11 PM
    So little one has been quite poorly over that last two days, he has had a chest infection the poor mite. I took the day off work yesterday to stay with him. which means I will lose a days pay but I have worked 2 extra days this month so I'm hoping it wall all balance out.

    Yesterday was a NSD I also listed 6 items on Ebay and sold one item on Facebook.
    I went through all of Little ones toys and de-cluttered 2 bin bags full of toys all to go the charity shop, a few items for Ebay and a bag to stay at Grandmas house. I love a declutter! I also downloaded the Aqua app to check the balance, this will also allow me to make payments.

    Today I had to post 2 Ebay items which cost £5.20 (necessary) and £3.25 in McColl's which wasn't really needed. I have listed 2 more items on Ebay and put some Makeup up on a Facebook site to sell. Also a little more de-cluttering happened.

    My goals for tomorrow:
    - list 5 more items on Ebay
    - Dust, hoover and clean bathroom.

    Becks
    • loopybecs
    • By loopybecs 25th Oct 16, 7:20 PM
    • 467 Posts
    • 1,744 Thanks
    loopybecs
    • #8
    • 25th Oct 16, 7:20 PM
    • #8
    • 25th Oct 16, 7:20 PM
    Hi Becks, I have just come across your diary I'll subscribe after I post this!! I'd love to be debt-free by the time I hit 30, but considering that is just over 6 months away for me it's very unlikely Anyway, good luck on your journey! And yes, coffee shops are my weakness too Do you have a Costa points card? If not, definitely get one as at least if you treat yourself to one then you'll get points for it and after a few spends you'll have enough for a free coffee xxx
    Mortgage: £88,000.00 £87,679.24
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £14,500.00 £14,500.00
    Single mama to 2 little girlies
    • SunshineBecks
    • By SunshineBecks 26th Oct 16, 9:44 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    • #9
    • 26th Oct 16, 9:44 PM
    • #9
    • 26th Oct 16, 9:44 PM
    Quiet day again today, little one is still poorly and he has delightfully shared his germs with me!

    It was another NSD I also sold some of the Make up I put on a Facebook site for a grand total of £7.50, every little helps though right!?
    I received my pay check ready for Friday and it is how much I expected which is a rarity so that has put my mind at rest.

    Tomorrow is up in the air as it looks like little one may have conjunctivitis so I am unsure weather his nursery will take him. I can't really afford to have any more time off but there's not much I can do.

    I will update tomorrow,
    Becks
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 29th Oct 16, 2:32 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    Okay so the lurgy has well and truly beat us all, this week has been a write off!

    On Thursday, Little one ran out of nappies and wipes so we headed to Aldi to stock up. I ended up spending £16.50 which was more than planned

    Friday was Payday I paid £283.88 off my Halifax CC which brings that down to £4,300, I love a round number. The Halifax card is still over the limit by £300 so I want to get that paid off as soon as possible. I also put £45 into the Santander account to cover the overdraft fees and charges, it makes me feel sick paying the banks all this money- although it does make me more determined to pay it all off.

    Todays goals-
    - Have a NSD
    - List 5 items on Ebay

    Becks x
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 1st Nov 16, 10:13 AM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    Back with an update

    I was back at work Sunday, Is spent £4.70 in Tesco. I was still feeling quite poorly so brought some medicine, tissues and a couple of slow cooker sachets as they were BOGOF.

    Monday was again a work day, I was supposed to be posting my EBay items but the post office was closed as they were on strike. I then walked to Primark to return some stuff I brought before the money saving stuck in, unfortunately I have lost the receipt so no refund for me! I ended up spending £4 in Superdrug as I ran out of time to make the porridge I had brought for my lunch! Bit of a fail. I did sell 5 items on EBay last night so now have an extra £15 to pay off the Halifax CC
    My EBay fees were cheaper than what I had budgeted so I am going to treat myself to getting my eyebrows done as I start my new job next week!

    Day off today and tomorrow so my plan is:
    - ring EE to reduce phone bill
    - EBay 10 items
    - walk to the bank to pay money off CC
    - Write a meal plan for the week DONE

    Becks
    Last edited by SunshineBecks; 01-11-2016 at 8:52 PM.
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 1st Nov 16, 8:58 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    A little update on today.

    £2 spent in the charity shop on a big bag of Thomas trains and track- bargain and he was so chuffed!
    £11.10 on lunch in a cafe- soft play was closed, so I decided to treat us to lunch out. Unnessary spend but it was was lovely!

    Also spent 2 hours cleaning the house, this well free up some time tomorrow to get all the Ebaying done!
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 3rd Nov 16, 9:21 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    Demotivated
    Had a bad couple of days money wise. I have managed to mess up my budget completely. I forgot I had changed one of my DD dates to the start of the month, as well as overdraft fees taking me my surprise. I am currently £13 over my overdraft limit and feeling lost and overwhelmed by money, debt and life in general.

    I thought I would list all my outgoing to see where it all went wrong:
    Incoming: £902
    EBay: £66.53 over a few days
    OH: £81

    £16.70 Aldi- I thought this was coming out of Oct budget but I was wrong!
    £45 Santander ovedraft fees
    £495 Rent
    £283.88 Halifax CC
    £4.01 Tesco
    £20 cash out- lunch out, buss fare £2 left!
    £5.98 Superdrug
    £4.67 PayPal refund to buyer
    £13.26 PayPal fees
    £29.27 Barclays DD
    £2 Charity shop
    £96.25 EE phone bill (me & OH)
    £56.31 TSB OD
    £17 EBay postage
    I am now -£13.99 and I still need to pay £20 Aqua CC and £15 off the Halifax CC. As well as a small amount of spending money, say £15. I also have my leaving meal for work this Friday, I am at a lost at how I can afford that.

    Yesterday was a NSD so at least that's something!

    So a lot going on, a lot of money paid to banks which makes me feel ill! My Child benefit goes in on the 17th Nov. In hindsight I should'nt have spent paid so much off the Halifax CC but I missed last months payment and didn't want to default and incur more charges!

    The only thing I can think is Ebay, Facebook sell like crazy!

    Feeling very demotivated this evening

    Becks
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 7th Nov 16, 3:44 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    I have missed a few days posting.

    Friday and Saturday were NSD, I spent £25 yesterday as I had my leaving meal with the guys from work.
    Selling and decluttering has been going well. I sold some more make up on Facebook for £13 and have lots of watches on my EBay items. I have also taking 3 bags of clothing/stuff to the charity shop.

    We finally get the car back today my OH sister has lent us £200 and we out £200 onto my OH credit card. Not ideal but couldn't be helped. At least now in understanding the need for a emergency fund.

    I have done a meal plan and food shop for the week ahead, I budgeted £50 and it came to £45 so I added advent calander for little one and the OH as well as some Christmas snacks. Made me feel more organised!

    I now have 3 days off until I start my new job on Thursday. The OH is off tomorrow so I'm hoping to get to the Tip and list some of Little ones toys he no longer plays with.

    Over the next few days I need to find £15 to pay off the Halifax CC £20 for the Aqua CC. I'm hoping to cover this with EBay/Facebook sales.

    Becks
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 7th Nov 16, 3:50 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    Forgot to add I phone my EE and managed to reduce my phone bill by £5. Not a massive amount but every little helps!
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 13th Jun 17, 6:50 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    Gosh I cant believe I haven't posted since November last year- time goes by so fast!

    I started a new job last November which was better paid than the last and on the 1st of Jan went back to full time. I can now walk to work so less travel costs and can also go home on my lunch break meaning no purchasing lunch. Despite all of this my debts seem to have increased I think this has been due to Christmas and letting my spending get out of control as I have been earning more. Which is a bad mindset to be in and I am determined to get out of.

    My debts as of today are as follows:
    Halifax CC: £3900
    Aqua CC: £295
    Capital one CC: £200
    Very: £1053.61
    TSB overdraft: £100
    Santander Overdraft:£500
    Family : £300

    Total: £6351
    and as usual no savings!!

    Goals for this week
    * List 20 items on Ebay and Vinted
    * Work out final budget for next month
    * Order a fathers day card and gift, post my Dads cards
    * Go through all my little ones clothes that I have kept to make sure I still want it all and sell any i don't
    * Meal plan for rest of month
    * Have at least 3 NSD over the next 2 weeks

    Lots to be keeping myself busy to get to my overall goal of being debt free by 30 and having some savings.

    Speak soon,
    Becks
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 12th Oct 17, 11:19 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    Light bulb moment!!
    Well back again, my last post was in June.. madness!
    I feel that I have finally had a full on light bulb moment. I have spent the last week obsessively ready MSE and looking at my money, where it goes and how I want and need my budget to look.
    To really tackle this debt I need to get serious, so far I have:
    - closed an old studio account
    - paid off and closed my capital one CC
    - Opened 3 new savings accounts and 1 new current account.
    - written a budget.
    - snowballed my debts in 'what's the cost' which estimates 37 months to become debt free
    - joined 3 survey sites

    My current debts (in order) are as follows:
    Halifax: £3971.50
    Very: £967
    Santander overdraft: £500
    Family: £300
    Aqua CC: £270
    TSB overdraft: £100
    Total: £5888.50

    My main goals are to:
    - update this diary regularly to be accountable
    - reduce that debt free date
    - make as much extra money as possible to throw at the debt
    - get to the root of my spending habits
    - build up a decent emergency fund
    - become Debt free!

    Looks so easy written down like that

    Here's to getting rid of that debt!!

    Becks
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 24th Oct 17, 9:18 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    Since I last posted I have:
    - Joined another 3 survey sights
    - Reduced my snow ball date from 37 months to 27 months by getting 0% interest on the Halifax Credit Card
    - Paid off an extra £47 off Debt
    - Downloaded the 'manage Christmas' app which is great for budgeting and a list lovers like myself
    - Sold 8 items on Ebay and currently have 21 items listed
    - Put lots more change in the 'holiday saving' jar, every little helps right!!

    I feel in a good headspace with money, I have had a couple of slip ups in Tesco and Greggs but the Ebay money has covered this and I now know to avoid these places. I'm on the payday count down now- can't wait to pay a chunk of the debt. I aim aiming to have 2 NSD in a row, not counting Ebay postage as that is covered.
    I'm off to do some more surveys!!

    Becks
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • SunshineBecks
    • By SunshineBecks 25th Oct 17, 8:03 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    I spent £2.99 today in a charity shop on a new Asos jacket, unnecessary spend but one of my Ebay parcels went as large letter so that offsets most of that.

    I had my payslip emailed over to me and it's £150 less than what I budgeted for making me panic! I am just going to have to reduce my debt payments by that amount, not ideal but I don't have any where else to make cuts. I am still paying over the minimum payments. I think I should have got paid more so will look into that tomorrow.

    I will continue to Ebay- no sales today

    Definite NSD tomorrow- I will avoid the charity shops as I apparently have no will power!

    Becks
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • Nicnak
    • By Nicnak 25th Oct 17, 8:28 PM
    • 544 Posts
    • 2,679 Thanks
    Nicnak
    Hi,

    I have not long since had my LBM either. Trying to be debt free by 37. i turned 35 earlier this week.

    Cheering you on x
    September 6th 2017 start Updated 25th NOV 17
    Credit Card £430 now: £1181 Tesco Loan £7500 = £6700 Car loan £17,500 = £9,875 Total = £25,330 £17,756 EMF #252
    Sealed pot challenge #589
    Pay off all your debts by Christmas #170
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