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  • FIRST POST
    • JWPopps
    • By JWPopps 13th Dec 16, 7:03 PM
    • 251Posts
    • 1,301Thanks
    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 12
    • JWPopps
    • By JWPopps 25th Sep 17, 9:29 AM
    • 251 Posts
    • 1,301 Thanks
    JWPopps
    Thank you SSG!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Sun Addict
    • By Sun Addict 25th Sep 17, 8:57 PM
    • 4,422 Posts
    • 24,699 Thanks
    Sun Addict
    I'm not surprised about the break up to be honest. The good thing is that it was amicable, no hard feelings.

    Good luck with the assignment
    Virtual Sealed Pot £656.24
    October NSD 5/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • JWPopps
    • By JWPopps 26th Sep 17, 2:03 PM
    • 251 Posts
    • 1,301 Thanks
    JWPopps
    No SA, neither am I!!

    Managed to get my assignment sorted on time; I have another in a month so I'm just planning that one out as well. I've got a lovely trip planned to the seaside with another recently-single friend and we're going to play on slot machines, eat fish and chips and lemon-top ice cream.

    And if it rains there'll be no one else there. Bliss!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • JWPopps
    • By JWPopps 30th Sep 17, 4:45 PM
    • 251 Posts
    • 1,301 Thanks
    JWPopps
    Ugh I have the WORST cold; I'm headachey and muscle achey and nose-bunged-uppy and all manner of other annoyances. Still, I think today is probably the worst of it, hopefully I'll feel better for the seaside tomorrow. Would be awful if not!!

    money-wise I'm ok, have been paid by the charity so i'm keeping some back in case it looks like I'm in danger of going into my overdraft but with a hope to have enough left to maybe get a loan overpayment in this month.
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Sun Addict
    • By Sun Addict 30th Sep 17, 8:18 PM
    • 4,422 Posts
    • 24,699 Thanks
    Sun Addict
    Hope you feel better soon. Hope you manage to enjoy the seaside - the sea air will be good for your cold.
    Virtual Sealed Pot £656.24
    October NSD 5/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • JWPopps
    • By JWPopps 2nd Oct 17, 9:38 AM
    • 251 Posts
    • 1,301 Thanks
    JWPopps
    Hi SA and everyone,

    Thank you! I'm fine, I got the worst out of the way on Saturday and then did indeed enjoy the sea air! Also spent a ridiculous amount of money in the 2p machines, but it was all budgeted for and the amount of tat I won will work nicely as Christmas presents and stocking fillers for various family children...

    Hope everyone else had a wonderful weekend!!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Seasidegal58
    • By Seasidegal58 3rd Oct 17, 11:37 PM
    • 895 Posts
    • 4,713 Thanks
    Seasidegal58
    Great to hear that you enjoyed your seaside trip JW. I used to love playing the slot machines - wow only 2p as well!
    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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