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  • FIRST POST
    • JWPopps
    • By JWPopps 13th Dec 16, 7:03 PM
    • 237Posts
    • 1,193Thanks
    JWPopps
    Flush by 30?
    • #1
    • 13th Dec 16, 7:03 PM
    Flush by 30? 13th Dec 16 at 7:03 PM
    Hello!

    I'm fairly new to MSE and have become totally obsessed with reading everyone else's diaries, so I thought I'd do one of my own! Even if no one else ever reads it, I'm hoping it will be somewhere I can rant my rants and think my thoughts without a) boring my friends and family and b) embarrassing myself in front of friends and family!

    I'm 26 (27 in March) and have had a bit of a slog to get to where I am today which I will likely go into later... basically, money has always been something other people have. So, while my debts might not seem huge, making the payments every month is stopping me from really appreciating how far I've come and how nice it is to be earning a relatively good wage.

    The above paragraph sounds a bit up myself, actually. Oh well!

    Debts:
    Barclaycard: £1465.49 (19%)
    Sainsburys card: £75 (0%)
    Barclayloan: £6,673.36 (4.9%)
    Overdraft: £485.09 (I get charges as well but not sure of the %)
    Mortgage: £88,163.97 (34 years left on it, at 3.99%)

    I'm not stressing about getting my mortgage paid off at the moment; it would be nice to be debt free and have a nice emergency fund, and maybe even a fun fund, and to be making mortgage overpayments.

    Total debt I'm worried about then: £8,698.94

    Goals for 2017:
    Pay off Barclaycard and close
    Get Sainsbury's card to 0 every month (i.e. use only for groceries)
    Pay off overdraft
    Get loan down to £3,500
    Start an Emergency Fund
    Start a Fun Fund
    Start making mortgage OPs
    Chill the heck out about my finances for the first time in 11 years!!
Page 11
    • JWPopps
    • By JWPopps 31st Aug 17, 12:45 PM
    • 237 Posts
    • 1,193 Thanks
    JWPopps
    Monthly Round Up
    Today marks the end of August...

    As suspected, I did not clear my credit card, but I have managed to get it down to £675, which is £200 off the beginning of August.

    My loan is currently at £6,500-ish (interest is the 'ish').

    I have managed to get my savings to £230 already, which was an original goal for the end of September so at least I'm overachieving somewhere, right?

    So here are some realistic goal for September:
    - Credit card to £300 (payment of £375)
    - Loan to £6,300 (payment of £200 plus interest)
    - Savings to £300 (nice round figure).

    September shouldn't be a hugely expensive month; it's busy at work so I won't be going away anywhere. I shouldn't need to buy train tickets to see my boyfriend until after I next get paid, so hopefully I can keep out of my overdraft and make a dent into my debt payments.

    This whole 'becoming financially solvent' thing is such a drag some months...
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Magpie100
    • By Magpie100 31st Aug 17, 1:26 PM
    • 51 Posts
    • 113 Thanks
    Magpie100
    It is a drag, but I think you're doing really well. Re the job - I would try not to second-guess your manager. You are perfectly entitled to apply for it - if you getting it leaves them with a gap to fill then that isn't really your problem!

    Very impressed with your commitment to your lodgers and being so level-headed about it all. It's a great thing to do - you should be proud of yourself.
    • JWPopps
    • By JWPopps 4th Sep 17, 1:01 PM
    • 237 Posts
    • 1,193 Thanks
    JWPopps
    Phew - well, Magpie you'll be glad to know I've cheered myself right out of that funk!!

    Had a weekend with my OH. It was... well, it was incredibly boring and I will need to speak to him about that because I don't want to spend a weekend out of every month bored out of my mind for the cost of £40 train fare, no matter how much I love him. It's not his fault, I'm not mad at him, but I might have to suggest we take up walking or something so I don't feel like all we do is sit in his living room watching telly!!

    Having said that, it was lovely to be away from the stresses I've felt lately.

    Update on that:

    - I have an interview for the promosh, at 09:30 next Monday.
    - I actually got paid a little more than I expected from the charity this month, so I've been able to pay a little bit more off my credit card
    - I have also decided that I need to Do More Fun Things so I've booked a show and a night in Newcastle with my best friend in November, which is something to look forward to. It's cost me £80 and I could have put that to the credit card, but I decided not to because I hate having a boring life. i'm 27 for goodness' sake.
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • JWPopps
    • By JWPopps 7th Sep 17, 10:22 AM
    • 237 Posts
    • 1,193 Thanks
    JWPopps
    Sometimes something happens that just totally puts everything in perspective, doesn't it?

    My lovely friends, who are truly the most loving and in-love couple you could possibly imagine, have just had the devastating news that the husband's residence card application has been refused by the Home Office. The really annoying thing is that it's quite obviously a case of sloppy casework, and they are going to appeal it and it will be overturned, but in the meantime that will cost them thousands of pounds they don't have, and can take up to 12 months which is another 12 months of stress for them.

    They've set up a GoFundMe, which I've given my savings into and I've told them that as and when they need it I will try to give them my extra money from the charity as well. They don't deserve this horrible situation, they really don't.
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Seasidegal58
    • By Seasidegal58 8th Sep 17, 8:11 PM
    • 772 Posts
    • 3,955 Thanks
    Seasidegal58
    Hi JW. I've just caught up with your diary and am so sorry to read about your poor friends' predicament. How awful for them - they sound such a nice couple - when I read in the newspapers about these pimps and gangsters that seem to slide into the UK quite easily and never appear to get deported it makes my blood boil! What a generous, generous girl you are. You could post a link to their fund on here but not sure if that would compromise your anonymity or whether it would breach MSE site rules.

    And your woes with the troublesome boy after you opened up your home to him!
    Anyway I do hope things turn out well for your mum after all her ups and downs.

    Good on you though for organising your girlie night out. Time away from the boring boyfriend may be just what you need!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • JWPopps
    • By JWPopps 11th Sep 17, 12:45 PM
    • 237 Posts
    • 1,193 Thanks
    JWPopps
    Hi SSG, thank you!

    I feel weird being called generous about this, mainly because I know for a fact that if the shoe was on the other foot they'd be doing exactly this to help me out if I needed it. They're honestly truly wonderful people, and the fact that in a few short days they've nearly hit their funding goal from friends and family is testament to how many people love them - so we don't need to worry about a MSE link

    The break-in is truly handled and dealt with, and I am meeting my potential new lodger tonight, a young lady I will call B if I talk about her here. She should be a really good candidate, she had a part time job and she's at college, she's just had a rough start in life. If all goes well the plan is I'll have her for 2 years, or until she feels ready to live on her own.

    My mum is going on holiday next week, which I think she thoroughly deserves, and then the week she gets back she has THREE job interviews so all my fingers and toes are crossed!!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • JWPopps
    • By JWPopps 11th Sep 17, 12:47 PM
    • 237 Posts
    • 1,193 Thanks
    JWPopps
    Oh, also -

    I got the promotion. I feel better about it now than I did, because I know the management team are confident in my abilities. It's only temporary anyway so it's a good chance to try out a senior role and see how I get on. I'm confident I can be successful doing it, but it will be interesting for me to find out if I *want* the extra responsibility, or if (as I suspect) I'm happier in my current role with the headspace to do my charity work as well.

    Anyway, don't start that until beginning of November, so in the meantime I can crack on and get my first assignment submitted!!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • jvr
    • By jvr 11th Sep 17, 1:56 PM
    • 324 Posts
    • 1,115 Thanks
    jvr
    Hi Popps


    I'm so sorry about your friends. As you know we have gone through visas and will be applying for citizenship in 18 months living with the full knowledge that they could completely change the rules on us between now and then. Are your friends doing the forms themselves or with a solicitors help? We use a not for profit solicitor and she is worth every single penny to get around the ridiculous rules they don't even seem to tell you about... if it would be any help I can pass on the details.
    10 month debt free challenge + trip to South Africa starting on the 21st of July 2017!

    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £900£9000 paid......... £8100 to go!
    10%PAYED
    • JWPopps
    • By JWPopps 11th Sep 17, 4:15 PM
    • 237 Posts
    • 1,193 Thanks
    JWPopps
    Hi Popps


    I'm so sorry about your friends. As you know we have gone through visas and will be applying for citizenship in 18 months living with the full knowledge that they could completely change the rules on us between now and then. Are your friends doing the forms themselves or with a solicitors help? We use a not for profit solicitor and she is worth every single penny to get around the ridiculous rules they don't even seem to tell you about... if it would be any help I can pass on the details.
    Originally posted by jvr
    Hi JVR,

    They are urgently trying to get a solicitor's help because obviously on the appeal form it asks for legal basis for making the appeal and they just don't know the right language to use. If you did have a recommendation to pass on that would be incredible!!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • jvr
    • By jvr 11th Sep 17, 4:26 PM
    • 324 Posts
    • 1,115 Thanks
    jvr
    http://www.ilac.org.uk/ the lady who helped us was Madeleine Anderson. Absolute lifesaver and it was all not for profit, she gave us so much advice before we paid for anything and that was just a one off fee for preparing the visa etc.....Cannot recommend them enough
    10 month debt free challenge + trip to South Africa starting on the 21st of July 2017!

    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £900£9000 paid......... £8100 to go!
    10%PAYED
    • jvr
    • By jvr 11th Sep 17, 4:26 PM
    • 324 Posts
    • 1,115 Thanks
    jvr
    Also I know she deals with ALOT of appeals for people! Fingers crossed for your friends its a horrible horrible system
    10 month debt free challenge + trip to South Africa starting on the 21st of July 2017!

    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £900£9000 paid......... £8100 to go!
    10%PAYED
    • Sun Addict
    • By Sun Addict 11th Sep 17, 8:46 PM
    • 4,235 Posts
    • 23,208 Thanks
    Sun Addict
    Sorry to hear about your friend's predicament. Hope it gets sorted very soon.

    Fabulous news about the promotion though
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 11th Sep 17, 9:28 PM
    • 772 Posts
    • 3,955 Thanks
    Seasidegal58
    Congratulations on your promotion! And I hope the meeting goes well with B!

    Also your mum must be really chuffed about her interviews!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • JWPopps
    • By JWPopps 12th Sep 17, 8:55 AM
    • 237 Posts
    • 1,193 Thanks
    JWPopps
    JVR thank you SO much, I've passed that on. You're a gem, really.

    SA & SSG thank you both! I wasn't sure I wanted it even as I was interviewing for it but clearly I managed to hide that I'm sure it's going to be really great, I'm happy.

    And yes I think my mum is happy, she's getting to the point now where she could really do with finding something, so I have everything crossed for her!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Seasidegal58
    • By Seasidegal58 12th Sep 17, 10:12 PM
    • 772 Posts
    • 3,955 Thanks
    Seasidegal58
    Keep us all posted about how your friends get on JW.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • JWPopps
    • By JWPopps 18th Sep 17, 10:57 AM
    • 237 Posts
    • 1,193 Thanks
    JWPopps
    Hello world!

    Quick update from me:

    Lodger #1 had some excellent news at the weekend; I can't really go into details for anonymity reasons but I'm super happy for him. That was a really lovely start to the weekend

    Lodger #2 (B) has also moved in, so I am awash with teenagers at present. But the move-in went really well, easily the smoothest one I've had so far and she seems super delightful. It's been a really good weekend overall on the charity front, and has totally eradicated concerns I had left over from the break in the other week.

    Other Good Things:
    - My dad had good news re his pension, which I'm hoping will drop his stress levels significantly. I don't know if I've ever mentioned this but his wife is terminally ill, and although she seems reasonably healthy at the moment he has been really hoping he can drop his hours at work so spend more time with her. Now, hopefully, we know this will be possible.

    - My mum is going on holiday this week, which will be REALLY good for her, and she also has about four interviews booked in for the week she gets back, so I've got my fingers crossed for her.

    - My friends with the Home Office fandango currently ongoing are... well, the fandango is still ongoing, but I spoke to my friend for over an hour on the phone last night and they are really thinking positively. They've made sensible decisions about how far down the judiciary appeals route they're willing to go, and they've made a plan for what to do if that doesn't work. I think they both just feel better for having a response from the Home Office, even though it was definitely not the one they wanted - at least this way they can take some action, instead of constant waiting.

    Overall, a pleasant start to the week. I hope everyone else is having one of those too!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Seasidegal58
    • By Seasidegal58 18th Sep 17, 10:34 PM
    • 772 Posts
    • 3,955 Thanks
    Seasidegal58
    What a great start to the week JW! Lots of positive news and I'm so pleased your new lodger is settling in so well.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
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