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  • FIRST POST
    • JWPopps
    • By JWPopps 13th Dec 16, 7:03 PM
    • 288Posts
    • 1,535Thanks
    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 14
    • JWPopps
    • By JWPopps 10th Jan 18, 11:00 AM
    • 288 Posts
    • 1,535 Thanks
    JWPopps
    Ha!

    Don't get excited guys, we've only been on 3 dates... he lives a 2 hour drive from me, but he has a 4 year old with his ex and they live not far from me at all so he's in the area a lot as it is.

    I'm not rushing into anything, you can be sure of that!!
    Credit Card Debt: £0!!!
    Loan Debt: £6,052.36
    Savings: £200.00
    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 7:32 PM
    • 1,413 Posts
    • 8,182 Thanks
    Seasidegal58
    Itís nice that youíve found someone though - hope all goes well. Youíve got oodles of time to get to know one another.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • JWPopps
    • By JWPopps 12th Jan 18, 3:59 PM
    • 288 Posts
    • 1,535 Thanks
    JWPopps
    Hello everyone!

    Super quick round-up of the week!

    I'm going to have to go to the GP I think; I've woken up every morning this week groggy, headachey and generally under the weather and then I spend all day sort of woozy and unfocused. It gets better by about 2pm, and I'm going to bed at 10 at the latest but still, same thing every morning. Not sure what it could be but I don't love it!!

    I'm getting paid from the charity on Monday, which will mean I can CLEAR my credit card!! That's an exciting and yet thoroughly bizarre feeling... maybe 2018 really will be the year of the massive debt overpayments I hoped 2017 would be?!

    Also - the dating game... this guy seems to *really* like me, but I have some defences in place given I really haven't been separated from my ex all that long. I'm a little unsettled too by a man who is so open about his intention to see me and to do nice things for me (he already wants us to plan our first weekend away together for some time next month). Don't get me wrong, I like him as much as I think it's possible to like someone you don't know very well but I definitely feel like we're both driving the car but only I have access to the brakes haha!

    Hope everyone has a lovely weekend!!
    Credit Card Debt: £0!!!
    Loan Debt: £6,052.36
    Savings: £200.00
    • Seasidegal58
    • By Seasidegal58 13th Jan 18, 8:16 PM
    • 1,413 Posts
    • 8,182 Thanks
    Seasidegal58
    Fantastic news on the credit card!. Iím sure 2018 will be a good year finance wise for you JW.

    Sorry to hear youíre feeling poorly and I hope the strange feelings have calmed down. Best get yourself off to the doctor though.

    Re your new guy - I think youíre being sensible in taking things slowly as it hasnít been that long since youíve been out of a long relationship. He obviously likes you a lot and if he is divorced he has had more time on the singles front and may now be looking for a more lasting relationship so appears to be rushing along.

    Enjoy the rest of the weekend.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Sun Addict
    • By Sun Addict 13th Jan 18, 8:43 PM
    • 4,973 Posts
    • 30,886 Thanks
    Sun Addict
    Hope you get yourself sorted health wise.

    Good news on the credit card

    You're just not used to a man who is so keen, sounds like he's the sort to respect your wishes and take it slow though. I hope it works out for you, he sounds very promising
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • JWPopps
    • By JWPopps 17th Jan 18, 4:38 PM
    • 288 Posts
    • 1,535 Thanks
    JWPopps
    Hello all,

    I had a migraine on Saturday and ever since have felt much perkier, so I wonder if my exhaustion was a lead up to that?

    Credit card sorted!! All paid off!! It's SUCH a good feeling, and I MUST get round to updating my signature to reflect it

    Charity news: I've spoken to the charity and we have agreed that my 2nd placement will not be staying long term... work is very busy at the moment (this time of year up until May always is) so there will be a lot of nights I'm not home until 7 or 8, and obviously there's the added pressure when there are TWO vulnerable teens in my house if I have to go away for work or anything... which is looking like a more likely proposition given we're opening an office in London.

    However - I've said (just between me and the charity) that I will keep Lodger 2 if the alternative proposed by social services would be inappropriate (for example: a homeless shelter). But we're not telling social services that just yet, because they'll just stop looking for alternatives if they think I'll keep her......
    Credit Card Debt: £0!!!
    Loan Debt: £6,052.36
    Savings: £200.00
    • Seasidegal58
    • By Seasidegal58 18th Jan 18, 8:35 PM
    • 1,413 Posts
    • 8,182 Thanks
    Seasidegal58
    Glad to hear youíre feeling munch better JW. Migraines are very peculiar things - those strange feelings could well have been the symptoms to the actual migraine itself.

    Congrats on finishing the CC.

    Hope the romance is going strong!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Sun Addict
    • By Sun Addict 18th Jan 18, 8:40 PM
    • 4,973 Posts
    • 30,886 Thanks
    Sun Addict
    Great news about the credit card

    Yes, how's the romance, do we need to start looking at hats
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • JWPopps
    • By JWPopps 19th Jan 18, 9:42 AM
    • 288 Posts
    • 1,535 Thanks
    JWPopps
    Haha I wish it was good news on that front too!

    Turns out I was right to be cautious - he was very good at saying the right words, but not so good at following through with the accompanying actions. I don't really think it was his fault, but he had a lot going on and kept forgetting to call me when he said he would, and then he cancelled a couple of dates very last minute (as in, I was already ready)...

    I told him we might be better off as friends until his life settled down a bit but he didn't like that idea, kept pushing for me to trust him with things he hadn't proved he could be trusted with so in the end I cut it off... a couple of days ago.

    I'm not particularly upset, I'm just rolling my eyes a lot haha!
    Credit Card Debt: £0!!!
    Loan Debt: £6,052.36
    Savings: £200.00
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