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  • FIRST POST
    • Shelbi
    • By Shelbi 13th Nov 16, 9:21 PM
    • 621Posts
    • 1,400Thanks
    Shelbi
    3rd Time Lucky?!- Attempting to clear £6645.93 of debt in 105days (3months+13days)!!
    • #1
    • 13th Nov 16, 9:21 PM
    3rd Time Lucky?!- Attempting to clear £6645.93 of debt in 105days (3months+13days)!! 13th Nov 16 at 9:21 PM
    Ok so have kinda messed up turns out Haliwax (cc2) have started charging interest 2 this month...seriously confused thought it had a much longer 0% interest term. So have stupidly opted for a 3 month 0% Interest balance when I should've got a longer term...only a £4 interest on a 3.5k balance but damn Im so annoyed with myself for this!! So basically both cards need to be paid off ASAP. so far daily payments made have been £2.11 pathetic I know but something at least. I think this shows me how much I need to sort this out. Im ready! So my plan is to pay 3 monthly instalments of £1048.64 to cc1 and 3 instalments of 59.01 to cc2 (£1107.65 total to be paid on the 1st each payday) I have to try to live on the rest £1237.39- maybe a little tricky but needs to be done. After the remaining balance of £3322.96 will be paid with February's pay (assuming I receive a bonus this year) New goal DFD 26 Feb 2016...105 days from now so google tells me (3months & 13days from today)...New Challenge..new diary...here goes!! *crosses fingers*....3rd Time lucky?!
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
Page 4
    • Shelbi
    • By Shelbi 27th Sep 17, 10:00 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    So wrote a lengthy update and took so long I lost it all...pretty much explains my day...work was ok but I feel like I'm coasting...been there for a long time finding it hard to keep engaged and not procrastinate...its so not good. There's this weird vibe..with today's climate change it's been said that out bonuses are unlikely to happen this year and pay rises payrisrs if any will be at a minimum. I can't lie it's making me more anxious than I already am...and I'm anxious about my money with if I'm honest. It comes and goes one minute I ok and calm then the next I realise I'm 10k in debt a panic...thinking all the things 5hat could go wrong...what if I lose my job etc. I think I'll feel better once my debts gone and I'm secure but that won't be for a while yet...does anyone else feel like this..how do you stop it..

    Other than that my day was Ok, I joined swag bucks and did a couple of surveys brought in lunch and managed to stay off clothing sites...i did however pre-order a food shop and arrange for it to be delivered next week. Cleaning stuff was own brand...and mostly basics..brought bigger boxes of own brand dishwasher tablets washing powder etch.. that should keep us till next payday or even beyond. Got £18 Off voucher and spent £48 total...I can update and take away the order till then. Will try and have a non spend day tomorrow and Friday. Think I'm missing shopping but don't want to touch my clothing budget...how will I fare the rest of the month if I can't even do a day...makes me feel good till I realise the hole I'm in and cue mild panic. Think that's why I did the pre ordered food shop lol

    Plus points made lunch and still have been good just feel crappy...well I guess I should make lunch for tomorrow...and have a boogie in the kitchen may make me feel better...will begin putting £3 saved into loan of set account working day...have joined 100dayvs debt as coincides with my clear loan target. Can't think of anything else to update... night x
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Shelbi
    • By Shelbi 28th Sep 17, 10:46 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Better day today...work went well..i managed to get a couple of tasks I've been putting off forever....felt pretty good finishing them...just need to persevere. Forgot to take lunch (oh took it though so didn't go to waste) and so bought some £4.10 and then brought a bottle of wine and beer for oh &I on way home...£12.48. Will update budget tomorrow morning.
    Managed to complete my daily swag bucks task..check free postcode lottery and read a couple of diaries this evening...also phone bill came In £6.42 cheaper than budgeted so the saving has been sent to the loan offset account. Planning to skip after work ritual drinks with the girls tomorrow so will recoup the £18.58. Will try another attempt at the illusive SFD tomorrow. Need to start getting a few of these under my belt. Nothing much else to report...absolutely shattered
    Night x
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • enthusiasticsaver
    • By enthusiasticsaver 28th Sep 17, 11:17 PM
    • 4,439 Posts
    • 8,253 Thanks
    enthusiasticsaver
    Thank you Magpie100- youre absolutely right I definitely lack determination, I get completely motivated and then lose interest and do something else- usually involving spending- Ive sifted through 3 months worth of bank statements to get a better idea where this money went and my general spending habits- it wasn't a fun task at all, but I really need to get a handle on this before it grow beyond my control- here it is:



    Statement of Affairs and Personal Balance Sheet
    Monthly Income Details
    Income from Employment (after tax. . . . . . . . . 2,435.19

    Monthly Expense Details
    In Your Home
    Mobile phones . . . . . . . . . . . . . . . . . . . 38.58 92 (2lines mine & my mothers- niether die for contract end sadly)
    TV licence . . . . . . . . . . . . . . . . . . . . . 0.00 (OH pays this)
    Internet. . . . . . . . . . . . . . . . . . . . . . 0.00 (OH pays this)
    Home phone. . . . . . . . . . . . . . . . . . . . . . 0.00 (OH pays this)
    Cleaning products/Cleaner . . . . . . . . . . . . . . 35.00 (im addicted to buying domestos, antiseptic wipes and fabreeze)
    Garden maintenance . . . . . . . . . . . . . . . . . . 0.00
    Household maintenance . . . . . . . . . . . . . . . . 0.00
    Oil . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Electricity . . . . . . . . . . . . . . . . . 50.61 (based on quarterly bill just paid of £151.83)
    Gas . . . . . . . . . . . . . . . . . . . . . 23.11 (based on a quarterly bill just paid of £69.33- Although this will rise during winter quarter)
    Water . . . . . . . . . . . . . . . . . . . . 0.00 (OH pays this)
    Council tax . . . . . . . . . . . . . . . . . 92.00 (MONTHLY DD)
    Overdraft cost. . . . . . . . . . . . . . . . . 0.00
    Bank account fee. . . . . . . . . . . . . . . . 0.00
    Home insurance. . . . . . . . . . . . . . . . . 0.00
    Mortgage/Rent . . . . . . . . . . . . . . . . . 325.75 (£65.15per week)

    Food and household shopping . . . . . . . . . . 250.30- stupidly high- had spent £750.91 in 3 months for 2 people)
    Drinks for home . . . . . . . . . . . . . . . . 52.19
    Motoring & Public Transport
    Petrol/Diesel . . . . . . . . . . . . . . . . . 20.00
    Parking . . . . . . . . . . . . . . . . . . . . 8.33- (£100 Resident parking for the year)
    Car tax . . . . . . . . . . . . . . . . . . . . 11.37 (monthly dd)
    Car insurance . . . . . . . . . . . . . . . . . 35.55(based on £426.56 paid annually in July)
    Car maintenance . . . . . . . . . . . . . . . . 4.17 (mot split for the year around £50)
    Rail/Buses/Taxis. . . . . . . . . . . . . . . . 35.08 (ubers- sad to say I spent 90 odd on these)
    Breakdown cover . . . . . . . . . . . . . . . . 2.92 (£35 per year)
    parking fines . . . . . . . . . . . . . . . . . 57.43 (got a parking fine- don't expect to repeat that)
    Debt Repayments
    Credit card repayments. . . . . . . . . . . . . 120.00 (minimum payment- I try to pay more than this)
    Hire purchase repayments. . . . . . . . . . . . . 0.00
    Personal loan repayments. . . . . . . . . . . . 222.26 (paid monthly)
    Car loan repayments . . . . . . . . . . . . . . . 0.00
    Savings & Investments

    Regular saving. . . . . . . . . . . . . . . . . . 250.00 (I used to save this- will not now I know how muchI spend- need to clear the debt)
    Family
    mum income money. . .. . . . . . . . . . . . . . . 103.33 (average amount I pay to my mum when shes short of funds)
    Entertainment
    Satellite/Digital TV. . . . . . . . . . . . . . . 0.00 (OH pays sky bill)
    Family days out . . . . . . . . . . . . . . . . . 0.00
    Cinema/Theatre trips. . . . . . . . . . . . . 39.29 (av per month on nights to movies)
    Books/Music/Films/Computers . .. . . . . . . . . 0.00
    Big days out. . . . . . . . . . . . . . . . . . . 0.00
    Shopping for fun. . . . . . . . . . . . . . . . . 55.62 (have no idea what I brought but I spent it- statement vague)
    Pet costs . . . . . . . . . . . . . . . . . . . . 0.00

    Drinking out. . . . . . . . . .. . . . . . . . . 140.48- didn't realise this was so high basically statements showed I spent £842.89 on nights out in the last 3 months (food and drink- its absord) so total spilit by3 for months then by 2 spread evenly over drink & food (below) out)
    Eating out. . . . . . . . . . .. . . . . . . . . 140.48
    amazon prime. . . . . . . . . . . . . . . . . . . 7.99 (used for deliveries, books, prime tv
    lotto . . . . . . . . . . . . .. . . . . . . . . [COLOR="Red"]17.00 [/COLOR](bad I know but scared to stop lest my numbers come up
    Clothes, Health & Beauty
    Complementary therapies . . . .. . . . . . . . . . . 0.00
    Optical bills . . . . . . . . . . . . . . . . . . . 45.00- this is quarterly not monthly
    Haircuts. . . . . . . . . . . . . . . . . . . . . . 3.33 (£10 pm)
    Dentistry . . . . . . . . . . . . . . . . . . . . . 0.00
    Beauty treatments . . . . . . . . . . . . . . . . . 35.00 (beauty stuff & makeup etc)

    Work clothes. . . . . . . . . . . . . . . . . . . . 58.68 (this is pm - I thought it was less)
    New children's clothes. . . . . . . . . . . . . 0.00
    New clothes . . . . . . . . . .. . . . . . . . . . 210.23 (I was genuinely shocked by this- esp as I always wear the same damn thing)
    Education & Courses

    Your courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75.00 (based on £900 spent this year- hoping no need to spend any more on courses- but its for work and career progression)
    Big One-Offs
    Funeral expenses. . . . . . . . . . . . 0.00
    Wedding expenses. . . . . . . . . . . . 150.00
    Sofa/Kitchen/TV . . . . . . . . . . . . 0.00
    Birthdays . . . . . . . . . . . . . . . 50.00 (abut £600p/yr I think)
    holiday1. . . . . . . . . . . . . 85.89 (£1030.73 spent- annual figure)
    holiday2. . . . . . . . . . . . . 166.67 (based on about £2,000 spent) - probably wont be having 2 holidays in the near future
    Christmas . . . . . . . . . . . . . . . 54.17 (about £650 per year I think)
    Odds & Sods
    Newspapers and magazines. . . . . . . 0.00
    Tax & NI Provisions (self-employed only). . 0.00
    Regular charity donations . . . . . . . . . 0.00
    Meals at work . . . .. . . . . . . . . . . . 60.00 (based on £3 per day)
    Smokes. . . . . . . . . . . . . . . . . . 128.00 (trying and failing to quit)
    Coffees/Sandwiches/Snacks . .. . . . . . 0.00

    Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,435.19

    Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,260.81
    its shocking and sad, I actually told OH and he couldn't believe what I spend-to be honest I couldn't I always thought my finance's were ok- not great but not this bad. I need more control that's for sure...I would be grateful for any help I can get with this....Will work on a budget for September to fill the holes and stop the overspending Xx
    Originally posted by Shelbi
    Your spending is definitely way out of control here. I think you need to set more realistic achievable targets to reduce the debt and start a spending diary.

    You seem to pay quite a lot in rent/bills considering you still live with your parents so you do not really have the luxury of being able to spend at the rate you have been as you are covering bills too. I have highlighted areas I think you can cut back on or eliminate altogether. £35 on cleaning products particularly is jaw dropping just to pick one. Do you shop in a discount supermarket? Lidls or Aldis are great for saving money on groceries and household goods.
    Last edited by enthusiasticsaver; 28-09-2017 at 11:22 PM.
    Countdown to early retirement on 21.12.17 2 months to go.
    • Shelbi
    • By Shelbi 29th Sep 17, 4:32 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Hi enthusiasticsaver, Thank you so much for your help! I have set about trying to reduce my overspending, in all the highlighted areas Very much appreciated. I do shop at Aldi but I also frequent M&S and waitrose. Although I wont be doing so for the foresable unless its on yellow sticker ... for this months shop I used sainsbug's as they had a £18 off for first time sign up will also be checking out the butchers for cheaper deals...Aldi will definitely be visited though. Lucky to have one at the top of our road. Will definitely be keeping a spending diary too that's a great idea and will certainly help thank you x
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Shelbi
    • By Shelbi 29th Sep 17, 4:47 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Afternoon all,


    Thought id best check in ...Having tinkered with my budget, I have sent another £250 to loan offset account and worked out I have £245.38 for the month discretionary funds after all remaining dd's leave my a/c this ive broken down into the following:
    • Grocery budget- £65.38
    • Going out- £50
    • Occasions (gifts) -£30
    • Wedding gift -£50
    • Beauty- £10
    • Clothes- £40.
    Have joined another challenge Organise October which should keep me focused. Kicks off Sunday so I best get organised. on that front. anyways best get back to it...just wanted to quickly update.


    Sx
    Last edited by Shelbi; 29-09-2017 at 4:49 PM.
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • missymoo81
    • By missymoo81 29th Sep 17, 7:22 PM
    • 5,823 Posts
    • 19,634 Thanks
    missymoo81
    Hey my lovely, have just read your diary from start to finish and wow. You sound like me! I have dipped in and out of debt exactly the same as you, and go at it all guns blazing only to get side tracked a month down the line. Super well done on starting again though. It really sounds like you have a handle on things. I will keep reading and subscribe.
    • Shelbi
    • By Shelbi 1st Oct 17, 3:57 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Hey Missymoo81,

    Aww thank you for your message..welcome to my rollercoster journey...It feels amazing to know im not alone in this debt free climb...hope it wasnt too dull of a read honey. I will be over to your diary shortly to have a good read too..Thank you indeed, Im really going to try and stick with it this time fingers and all crossed for all of us! xX
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Shelbi
    • By Shelbi 1st Oct 17, 4:35 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Overall a fantastic weekend, sorry I haven't checked in but this has been my first opportunity. Yesterday had the most beautiful day at a friends wedding it was magical and my friend looked stunning. Managed to spend £60 being £50 in my friends card. £5 on eyebrow threading (this I cannot do myself) lol...and £5 on milk, croissants few cards from card factory needed for the month and a 2 cans of lynx (2 for £5 in superdrugs at the mo- and got £2 off from loyalty card).

    Today has been my first NSD and is the first day of my Organised October Challenge... Going to aim for 15 this month its low but I really want to keep going so will try not to stretch myself too much..Budget as it stands:

    Grocery budget- £65.38/£62.38
    Going out- £50
    Occasions (gifts) -£30/£28
    Wedding gift -£50/£0
    Beauty- £10/£5
    Clothes- £40.

    Today was spent doing washing (have aired dried- opened up the windows in the bedroom and put everything on a clothes horse, closed the door to keep cold from creeping through the flat. Refuse to turn on the heating just yet, am donning my pj's and a hooding and socks...OH doesn't feel the cold so hes happy enough...its me that usually wacks on the heat...not today though...clothes can dry au naturel. Other chores sorted- bathroom clean, kitchen clean and sorting through my clothes to see what I have.

    Staying home today OH is cooking a pork joint and whatever's in the fridge, will take left overs for lunch...a very chilled Sunday so far... Bliss..xX
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Shelbi
    • By Shelbi 3rd Oct 17, 9:21 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Evening MSE'ers,

    Today I managed another NSD, brought lunch in...am trying to do a month of buying lunch, or starve...22 days...2 down..20 to go.

    Ive managed a whole day of no smoking, its not much I know but I'm proud of myself. I sent £2.89 odd to loan offset account.
    Work was ok, starting to think about my options, what I need to grow, maybe move on...I've been there for several years and I loved it but recently I've been feeling unchallenged..Still cant move just yet unstable times but going to look at what I need to get ahead...and possibly a better paying role.

    This evening shopping was delivered, stacked and I got tidied up the kitchen and got to use the basic no named brands- wipes where ok smelt nice, wiped fine...well cheaper definitely a swap id keep, same with the dish washer tabs and honey...happy days..

    Evening in with OH, had left overs for tea so no cooking...freepost lottery done, no swag bucks attempted though...was too busy at work, hardly had lunch. Decreased my pension to minimum contribution freeze it as ill lose my company contribution and that's free money. Instead will keep at minimum until debts paid off.

    OH and I went out yesterday evening managed to spend £30 and use some vouchers. Was a lovely evening though..

    Budget as it stands:
    Grocery budget- £65.38 £62
    Going out- £50/£20
    Occasions (gifts) -£30/£28
    Wedding gift -£50/£0
    Beauty- £10/£5
    Clothes- £40.
    Petrol- £20.

    I also received an email that i would be getting a refund of £50 to one of my credit cards that currently has a zero balance..will use save that to purchase xmas gifts if and when it arrives.

    Thats pretty much all Ive got tonight...night x
    Last edited by Shelbi; 04-10-2017 at 1:46 PM.
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Shelbi
    • By Shelbi 4th Oct 17, 2:04 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Afternoon all,


    Another day non smoking, will half a day but I think im doing ok! 1day 6hrs- saving of £6.06 not even a packet yet


    Brought Lunch from home 3/22 and today is looking like a spend free day- can I make it to 3/16! I hope so!!


    Money saving tasks today- signed up to kindle unlimited in order to get a free book were reading in our book club- saving £7.04 (cheapest option) and a note made to cancel in 29days, shared with friend who did the same. Just need to read it before the times up...sure I will it looks like a good read.


    Downsized my season ticket, for zones I don't really use...hopefully refund will come soon. TFL were great bless them. Hmm what else- unsubscribed to some shopping emails...had to be done when I saw ASOS where having a 50% sale- It burned like fire...If I don't see it I cant be tempted Ill probably last about a week on that one but will give it my best shot. Did the freepostcodelotto- nothing yet but I'm hopeful lol! Tonight the lads out with the boys- rather than heading out too as per usual Ive got a date with a chick flick and face pack- maybe a couple of MSE diaries too anywhoo best get back to work...have a fab day all.. Sx
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Shelbi
    • By Shelbi 5th Oct 17, 9:17 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Evening...

    So today wasn't a SFD, went to lunch with my team at work. It was nice, service was appalling though so we got 50% off...silver lining my meal was delicious, great for £8.50 all in.
    Cut up 2 of my 3 credit cards today...had a listen to Dave Ramsey whilst I worked figured I needed some of his plastic surgery
    still haven't smoked so thats 3/31.
    Haven't received that £50 refund will give it till Monday and call them up.

    Overall a nice day...I really cant wait to get paid again. Still to do 1 night out, 1 day out and 2 birthday presents. No swagbucks or surveys..only time for freepostcode lottery...no joy..yet

    A chilled evening at home...trying to keep costs down! Pretty much all I'm doing at the moment. x
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Magpie100
    • By Magpie100 7th Oct 17, 10:11 AM
    • 65 Posts
    • 164 Thanks
    Magpie100
    Shelbi!

    I've been AWOL for a few days but have been reading your thread. Well done on the not smoking AND on dropping a brand on the wipes and dishwasher tabs and honey! If you really really hate a no-brand swap you can always go back, but at least you will have tried a cheaper option and will be making a conscious decision about it. So much of what we do is just what we've always done without thinking. Think of yourself as being a curious consumer rather than a complacent one. What are you going to tackle next?

    Glad you enjoyed the wedding, too, and your spends didn't seem too bad. How are things going on the Uber and takeaway front?

    You sound much calmer and more focussed in your recent posts and in less of a panic. I hope that is the case and that you are feeling a bit clearer about where you need to cut down and how to do it. Let us know how you are when you can. xx
    • DrSpendLittle
    • By DrSpendLittle 7th Oct 17, 10:44 AM
    • 136 Posts
    • 350 Thanks
    DrSpendLittle
    Hi Shelbi, just read your diary and wanted to drop by and say hello

    I think the advice youíve had on here is spot on - a realistic budget that accounts for everything plus some small treats now and again is vital. Late last year, you did well clearing debt but it seems you cut back too much too soon and left yourself with little to live off. The big blow out in mid Ď17 wasnít a huge surprise to me, I have to say.

    I use YNAB for budgeting and I really like it. I also keep my motivation (which keeps my discipline in check) by watching Dave Ramsey zoutube videos. But, more importantly, I have a goal - I want to halve my debt before Jan 1st as weíre going to move house and get a bigger mortgage and I want to maximise my chances of getting a good lending rate and borrowing amount. Furthermore, I want to be debt free by July 1st 2018. Have a think about what your short, medium and long terms goals are and then devise some targets to help you get there.

    Good luck this time over, weíre all routing for you. Subscribed and will follow with interest.

    DSL
    Last edited by DrSpendLittle; 07-10-2017 at 10:46 AM.
    Since 1st Sept 2017: CC1: £874/£1,253.73 | CC2: £600/£9,124.15 | CC3: £312.34/£312.34 | Car Finance: £315.82/£1,894.92 Short Term CC Goal: £1,786.34/£4,000 by 1st Jan 2018 (44.65%) | Total Debt Repayments: £2,102.16/£12,585.14 (16.70%)
    • Shelbi
    • By Shelbi 7th Oct 17, 5:57 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Hi Mapie & DSL

    Thank you for popping by!! Still here , got up late so am running behind on everything... check in included lol!

    We have friends over tonight so had a quick look in cupboard/fridge settled on meatballs and pasta- not extravegant but yummy! Put OH to work on that..I offered to help he shooed me out of the kitchen (winning). Chores done.

    Magpie100, Thank you I'm feeling much less anxious, I'm not losing sleep now but i wont feel 100% secure until I dont owe anyone anything...Though it'll take time I know so im learning to deal and try and & crack on. Im liking the nofrills swaps- everything is pretty much the same just cheaper and ill be honest I'm not really in the position to be buying the expensive stuff..saying that Its just the outer packaging thats different so far (cleaning wise does the same job)- thanks for that!!..Curious consumer I like that!! Next change- well shopping markets when this food runs out will be taking to A!d1/lid1.. Hope your well lovely appreciate the drop by

    Ubers been easy as I havent really been anywhere/ out too late- takeaways have been harder- OH mentioned we havent had take out in 2 weeks..bless him, reminded him were saving money and ate out last week...Maybe il attempt a homemade pizza for him...be just like takeaway...or pop to 1ceLand i here they have pizza3pre55 range...next week end his sufferings

    DSL- Hi hun, thank you for stopping by too- your right i definitely need some small treats, I don't want to have another blow out until I can pay for it in cash (When I'm debt free)

    I took a had a quick peek at your diary and subscribed too (will have a proper read through in a bit)..we've similar pay & debt levels- I look forward to cheering you on from the sidelines on your debt slaying!!
    Will have a thought towards longterm goals, short term is is to pay off my loan by 29th December 17 and cc by 30th April 18 (end of 0% period) that's about as far as I've got

    Managed to buy my 2 birthday presents yesterday and also needed antivirus for laptop (Forgot about it so comes out of my clothing budget i guess)

    Budget as it stands:
    Grocery budget- £65.38/ £62
    Going out- £50/£20
    Occasions (gifts) -£30/£11.32
    Wedding gift -£50/£0
    Beauty- £10/£5
    Clothes- £40/£18.05
    Petrol- £20

    Sent £7.16 to the loan repay account...& still not smoking so am saving loads there...

    Only 19 days to payday....counting them...happy Saturday guys!

    Sx
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Happierdays
    • By Happierdays 7th Oct 17, 9:01 PM
    • 144 Posts
    • 393 Thanks
    Happierdays
    Just read some of your diary and amazed at your progress...leaps and bounds! Really admire your enthusiasm and determination and looks like your mind set is changing which I'm sure is something we are all working on or have had to work on in the past. Best of luck with your continued journey!
    • Hiddenidenity
    • By Hiddenidenity 7th Oct 17, 9:36 PM
    • 5,069 Posts
    • 23,320 Thanks
    Hiddenidenity
    You sound like you've totally changed your mind set.

    Remember you didn't get in debt overnight and unfortunately we can't get out of debt overnight. It takes work, hard work.

    Can you try and find free or much cheaper things to do to have some 'me time' or fun?

    Do you have free museums/country parks etc in the area? I love to walk around the local country park with a flask and get some breathing time. Along with the local library/museum they always have something going on thats free. Also sewing/knitting or similar? At least if you try to replace some of the expensive fun stuff you don't feel like you're doing nothing but work and trying to clear the debt.

    Well done on the no smoking and sticking to your budget. I think making a realistic budget and being able to stick to it is definitely the hardest bit. Once you've got in to the change of downshifting things and sticking to it you won't want to go back to overspending on the things that don't matter ie. the cleaning products.

    As for food shopping, meal plan. Write a list and stick to it. You'll probably find popping in here and there you will still be picking things up you don't really need just because you've seen it/on offer. If you run out of something challenge yourself to try and do something different, want something sweet bake some easy biscuits/cakes/flapjacks.

    Sorry I know this is an essay I'll stop now You've made amazing progress. Be proud x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Munchin
    • By Munchin 8th Oct 17, 2:42 PM
    • 2,070 Posts
    • 5,974 Thanks
    Munchin
    Hi Shelbi,

    Just read your diary today and it felt like reading my own as it's so similar to me. I go guns blazing at the debt and then get distracted by something shiny and up the debt goes. Magpie10s note of needing discipline as well as motivation really struck a cord with me.

    Will be subscribing and cheering from the sidelines
    • Shelbi
    • By Shelbi 9th Oct 17, 5:10 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Hi Hidden Identity, Happierdays & Munchin

    So lovely to hear from you allÖreally made my Monday!!

    I feel like my mind-set has changed I just need to dig in and keep it...Iím definitely a work in progress lol! It may take me a while but Iím getting there this time- trying to keep checking in and writing honestly so that way Iím held accountableÖitís a massive help Thank you guys!!
    Will certainly have a look at things I can do for free- Museum and Park picnic sound greatÖdefinitely need to look into this as unrealistic that I will spend the next year staying in every weekend to save moneyÖthough I am quite partial to movie nights during winter ;-) Öright now Iím taking advantage of curling up with a few free good books..

    The food plan is a fantastic idea! I havenít tackled it yet, we do need a restock soon though in the next couple of days or so a meal plan is going to be a priority! Something to work on tonight!! I love the idea of making treats- I donít really cook so will be a good use of my time and practice a skill- cakes and things would be great funÖand will save us buying biscuits- thatís assuming they come out edible J

    Thank you so much for your help, support and tips Lovelies, they really help keep me focused! Thank you! X

    Yesterday- Was a NSD... OH and I went to visit my family for Sunday dinner, it was lovely to see them all- I managed to pick up an old TV aerial of mine which should make the tv in the bedroom back into action, havenít tried it yet but Iím hopeful

    Lunch was leftovers- dinner was provided by my ma, we got home and watched Lord of the rings, OH got a bottle of wine, popcorn and chocolate bless him. Was a lovey weekend.

    Still managing to not smoke- Received £110- IOU payback which was a lovely surprise!! Have sent £80 to the loan offset accountÖ the other £30 that will start my Xmas fund along with the £50 cc refund due.

    Brought in lunch but sfd was thwarted - earphones died arrrgh! I can put up with many things but no music, podcasts or general public blockers I cannot lol! So I spent £3 on a new set. I know what my treat will be when I pay off these loans- Decent earphones lol have prob spent the same on cheapy ones (£10 here £5 there) over my life time that I may as well have brought a decent pair. May 2019 treats pending, till then Iíll make do with wine and chocolate and £3 sets

    I made a rooky mistake- used up all my data-when at home forgot to turn the Wi-Fi back on-grrr! Usually I would buy a boost but no more that £19.99 boost can stay nicely in my account thank you very much. Am refusing to buy anymore- It doesnít reset until 27th - Sad times indeed.

    The small wins- New oyster came (hopefully a small refund will follow), Refund on Credit cardĖ email to say itís on its way takes between 7-10 days but will be here soon! Woohoo! Canít wait for that!

    I need to give Xmas some serious thoughtÖIíve just done a mental count up and I got to 30 presents to getÖneedless to say it will be cheap and cheerful lol!

    Ok I best start my trek home- will check in when I get back no doubtÖHave a wonderful evening guys x
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
    • Hiddenidenity
    • By Hiddenidenity 9th Oct 17, 6:51 PM
    • 5,069 Posts
    • 23,320 Thanks
    Hiddenidenity
    As for the meal plan (if you're anything like me ) I don't stick to what I plan on a set day. I decide on however many meals I need between my shopping dates and write down enough meals. That way if I have an unplanned day out etc or late night home or I just can't be bothered I can have one of the easier things, but at least I know its there I don't need to pop to a shop. Again snacks I make cookie mix and biscuit mix and freeze in balls. Then I can bake just as many as I need - take out from frozen pop on a tray into the oven for 12ish mins and done fresh biscuits/cookies I also make homemade ready meals, so instead of thinking oh I'll make our portions a bit bigger with the bit that would be left, I freeze it. Then I have lots of homemade ready meals too.

    Do you survey? Maybe find a site you like I use a few and save the 'earnings' for treats. Good headphones/books etc? That way you're getting the nice things just not using any cash
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Shelbi
    • By Shelbi 9th Oct 17, 9:14 PM
    • 621 Posts
    • 1,400 Thanks
    Shelbi
    Hi Hidden,

    Thank you for the great advice... I really need to do that, Im ashamed to say OH called me to let me know dinner was bust (neither of us took the chicken out of the freezer- I took the last of the fish to work) so I went and grabbed a dine in for 2 from M&S
    Just wanted something I could chuck in the oven and im banned from the chippy (october challenge) Aside from the 2 bottles of wine it was exactlt the greatest use of my resources (got two- 1 pie wont feed OH, he likes his food bless him) so thats £20 off the food budget thanks to my poor planning. So believe me when I say your post was perfectly timed! Im so doing that! Cookie/biscuit mix sounds awesome...Can I ask do you make up your own or do you buy cookie mix packets? - prob a silly question- sorry very new to this element of Money saving...really want to try it though!

    I have started swagbucks but that's as far as I've got so far...Love the idea of saving for treats! I havent thought of that...definitely motivated to sign up to more surveys now.....Thank you!! x

    Tv aerial worked treat OH is comfortably watching some documentary in the south wing of our rabbit hutch and I get to blissfully watch my 'trash'-as he calls it in peace x
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    1 debt vs 100days chpt27- £1056.76/£4603.46
    & cc £171.17/£5482.83 (offset £1500savings when mature-31/03/18)
    Organised October #5- NSD 6/16
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