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  • FIRST POST
    • JWPopps
    • By JWPopps 13th Dec 16, 7:03 PM
    • 265Posts
    • 1,415Thanks
    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 3
    • Seasidegal58
    • By Seasidegal58 1st Jan 17, 5:31 PM
    • 1,182 Posts
    • 6,602 Thanks
    Seasidegal58
    Hi JWPopps - just read your diary through and have subscribed.

    Good to hear that your mum has begun to realise she may be too extravagant with the food bill! You seem eminently sensible though with good goals and a kind heart. She is very lucky to have you.

    All the best for a MSE New Year and enjoy your "second" Christmas with your boyfriend.
    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!"
    • Bobarella
    • By Bobarella 1st Jan 17, 6:10 PM
    • 10,450 Posts
    • 69,680 Thanks
    Bobarella
    Glad you had a good Christmas!
    " 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
    • jvr
    • By jvr 2nd Jan 17, 9:59 PM
    • 326 Posts
    • 1,142 Thanks
    jvr
    Happy new year!!


    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £1900/£9000 paid......... £7100 to go!
    • Cheeseface
    • By Cheeseface 3rd Jan 17, 8:26 AM
    • 135 Posts
    • 381 Thanks
    Cheeseface
    Happy New Year Popps!
    • JWPopps
    • By JWPopps 3rd Jan 17, 7:18 PM
    • 265 Posts
    • 1,415 Thanks
    JWPopps
    Hello everyone!

    I've been a bit quiet over the Christmas period for two main reasons:

    - I'm at my boyfriend's at the moment which means I'm not on my computer as much (we had 2nd Christmas and we've been doing the Family Rounds as it's his birthday tomorrow)
    - I have written 50,000 words in the last 7 days - which is a (short) first draft of a novel. Eek! I have a MA in Creative Writing so writing is something I do as a hobby but I'm really pleased I've managed to scribble down so many words in such a short space of time, while I've been off work. Obviously, it would be wonderful if This Was The One that got me published, but I don't have my hopes too high for that. It's a hobby, and editing it will be interesting.

    But I hope everyone has enjoyed their New Year celebrations!

    On a more MSE note: I changed my internet to EE, and today when all my DDs went out... I still have £70 in my account. I'm usually £200 overdrawn by this time, so I'm feeling good about that
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • Bobarella
    • By Bobarella 3rd Jan 17, 8:05 PM
    • 10,450 Posts
    • 69,680 Thanks
    Bobarella
    Good to read your update. Fingers crossed on the writing!
    " 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
    • jvr
    • By jvr 4th Jan 17, 8:09 AM
    • 326 Posts
    • 1,142 Thanks
    jvr
    That's fab Popps! And you never know about the writing .... the author of 50 shades was just scribbling in her spare time and look at her now! ( terrible books that I got bored of but good for her on the fortune she made haha)


    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £1900/£9000 paid......... £7100 to go!
    • Seasidegal58
    • By Seasidegal58 4th Jan 17, 8:57 AM
    • 1,182 Posts
    • 6,602 Thanks
    Seasidegal58
    Well done on the money saving and the writing!. Lovely way to start the year
    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!"
    • Cheeseface
    • By Cheeseface 4th Jan 17, 9:06 AM
    • 135 Posts
    • 381 Thanks
    Cheeseface
    Fantastic start to 2017!
    • Ladykernow
    • By Ladykernow 4th Jan 17, 9:19 AM
    • 223 Posts
    • 794 Thanks
    Ladykernow
    Hello everyone!

    I've been a bit quiet over the Christmas period for two main reasons:

    - I'm at my boyfriend's at the moment which means I'm not on my computer as much (we had 2nd Christmas and we've been doing the Family Rounds as it's his birthday tomorrow)
    - I have written 50,000 words in the last 7 days - which is a (short) first draft of a novel. Eek! I have a MA in Creative Writing so writing is something I do as a hobby but I'm really pleased I've managed to scribble down so many words in such a short space of time, while I've been off work. Obviously, it would be wonderful if This Was The One that got me published, but I don't have my hopes too high for that. It's a hobby, and editing it will be interesting.

    But I hope everyone has enjoyed their New Year celebrations!

    On a more MSE note: I changed my internet to EE, and today when all my DDs went out... I still have £70 in my account. I'm usually £200 overdrawn by this time, so I'm feeling good about that
    Originally posted by JWPopps
    Congrats on reaching 50,000 words! Did you start it around nanowrimo by any chance? what was the MA in Creative Writing like?

    Also, congrats on keeping £70 in the bank!
    Last edited by Ladykernow; 04-01-2017 at 9:23 AM.
    2017 13# Sealed pot: 1300/1,500
    • JWPopps
    • By JWPopps 4th Jan 17, 6:25 PM
    • 265 Posts
    • 1,415 Thanks
    JWPopps
    Congrats on reaching 50,000 words! Did you start it around nanowrimo by any chance? what was the MA in Creative Writing like?

    Also, congrats on keeping £70 in the bank!
    Originally posted by Ladykernow
    Hello! No I didn't actually, I wrote something else for NaNo (I managed 50k then as well but it was AWFUL) but this is an idea that's been rolling around for a while, and it seemed to get some legs. Although having re-read it, there's plenty of editing to keep me busy!!
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • JWPopps
    • By JWPopps 5th Jan 17, 3:08 PM
    • 265 Posts
    • 1,415 Thanks
    JWPopps
    Hmm... I've been paid for my charity work today, but I don't know if I've been paid properly, they seem to have missed a night... but I am really loathe to chase up a charity for expenses. Also, I don't know 100% if they're right or I am, because you don't get paid if the young person decides to go and stay with friends and that did happen a couple of nights.

    I have purchased a 2017 diary for £1 anyway, so I will use that to make notes from now on, so I can challenge them properly if I think they're mistaken about nights.

    Aside from that things are going ok, I'm quietly confident that I have enough funds to see me through to the 21st (I get paid 22nd).

    I think what I want to do is make a habit on the night before payday of seeing what I've got leftover and what little amounts are on debts. So, for example, if I have £20 left in my fun fund which I should do, I could use some of it to get my loan from £6,549.37 to £6,540.00. I like to have tidy ends on my numbers, and might be a nice little way to get some extra overpayments in! Anything left in the fun fund at the end of each month is going into my emergency fund too, so I can very slowly start to build myself some savings.

    As I said on another thread today, I have a wedding in May I need to save up spending money for, and I might need to pay for flights and a hotel to go to the hen party - they're in France. If it comes to it I will just let the bride know I can't make the hen party, because I'm not that into them anyway, but if I magically have enough to afford it, she is one of my oldest friends.
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • Bobarella
    • By Bobarella 5th Jan 17, 4:55 PM
    • 10,450 Posts
    • 69,680 Thanks
    Bobarella
    That is a tricky one about the payments isn't it. Hopefully the diary will keep you straight.
    " 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
    • PoorGuyNextDoor
    • By PoorGuyNextDoor 5th Jan 17, 5:26 PM
    • 136 Posts
    • 354 Thanks
    PoorGuyNextDoor
    Happy New Year Popps, will follow with intest this year! The support in this place is amazing.
    Can now be found in the Millionaire Challenge thread
    • JWPopps
    • By JWPopps 5th Jan 17, 8:54 PM
    • 265 Posts
    • 1,415 Thanks
    JWPopps
    That is a tricky one about the payments isn't it. Hopefully the diary will keep you straight.
    Originally posted by Bobarella
    I'm about 85% sure they're right, but this isn't the first time I've wondered about a missing night's payment. Still, £55.50 is still £55.50 I wouldn't have had otherwise, so I'm not complaining!

    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • JWPopps
    • By JWPopps 5th Jan 17, 8:56 PM
    • 265 Posts
    • 1,415 Thanks
    JWPopps
    Happy New Year Popps, will follow with intest this year! The support in this place is amazing.
    Originally posted by PoorGuyNextDoor
    Isn't it?! I always worry my OH gets sick of hearing me talk about my plans and how I want to pay off my debts and live frugally, so it's nice that I can do it here and people want to help!

    Also, I love reading other peoples' diaries, I get fab tips and the motivation from seeing other people do well is just
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • Makeachange
    • By Makeachange 5th Jan 17, 9:58 PM
    • 945 Posts
    • 1,295 Thanks
    Makeachange
    Read through your diary and really looking forward to reading your journey
    I WILL GET THERE.
    • JWPopps
    • By JWPopps 7th Jan 17, 11:25 PM
    • 265 Posts
    • 1,415 Thanks
    JWPopps
    Thank you everyone for your super lovely comments.

    I've been travelling back to Yorkshire for most of the day, I had a lovely 7 days with my OH but boo, hiss, back to work on Monday. I shouldn't complain, I've had more than 2 weeks off work...

    Got home about 6pm, having had a sandwich at Manchester Piccadilly... honestly, £8.49 for a sandwich, a drink and an apple is not MSE but I'm glad I had it because my mum is out for the night and there is honestly no food in the fridge. There's half a pint of milk and a block of parmesan. What happened to all the food?!?!

    I mean, there's stuff in the freezer so I've taken some sausages out for tomorrow lunch time.

    Editing a novel is really hard. It's a sort of Young Adult coming of age/adventure story, so it needs to be full of action and excitement, but it's really hard to know if your own writing is exciting. So I'm hoping one of the friends I met on my MA will have a read of the opening chapters for me.

    Tomorrow is all about doing housework and prepping for the week ahead - including doing a HEALTHY and VALUE FOR MONEY shop so I can prepare lots of healthy lunches and breakfasts-on the go. My sleep pattern always gets knackered when I'm with my OH so the first week will be a challenge.

    One of my amazing Christmas presents from him was a gorgeous copper cafetière for single person portions of coffee. So that will help!

    Hope everyone else has a wonderful weekend
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • Sun Addict
    • By Sun Addict 8th Jan 17, 1:30 PM
    • 4,732 Posts
    • 28,168 Thanks
    Sun Addict
    Great news you started the year in the black. Glad you had a lovely time with your OH Good luck with the writing.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • JWPopps
    • By JWPopps 9th Jan 17, 4:39 PM
    • 265 Posts
    • 1,415 Thanks
    JWPopps
    First day back at work...
    Goodness gracious this is exhausting, innit?!

    I managed to get up and out of bed on time which I'm proud of... it helped that I'd sorted out what I was going to wear the night before, and prepared my lunch etc. I MUST keep doing this, my commute is an hour and a half each way, so this is the only way I can cope with it!!

    Spend-wise I've been pretty good, only bought my bus ticket (couldn't really get out of that) for the week and a bottle of water to keep me awake. I haven't even bought snacks at work which I am so proud of - it's MSE and good for my waistline!

    I'm just on my way home now, I'm far too tired to edit any of my story but I am home alone all weekend so I'm not going to beat myself up if it has to wait until then.

    Hope everyone else has had a lovely day!
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
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