Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • JWPopps
    • By JWPopps 13th Dec 16, 7:03 PM
    • 253Posts
    • 1,315Thanks
    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 6
    • JWPopps
    • By JWPopps 23rd Feb 17, 11:58 AM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Oh I don't blame you being fed up. Really sorry about the cat too.
    Originally posted by Bobarella
    Thank you... I'm feeling a bit better today to be honest - I might just put the flooring on my credit card because quite a few family members have said they'd like to chip in for my birthday which is really generous, and the card is 0%... with the generosity of family it would only work out about £200/£250 on the card and I can use my expenses back from work to pay £140 off.

    So in essence it would only be putting my DFD back by a month.

    Not ideal, but I am feeling better...

    The annoying thing is that my dad can only do that specific date for the fitting because of his work schedule so if I want it any time soon I'm just going to have to suck it up!!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Bobarella
    • By Bobarella 23rd Feb 17, 10:34 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    I'd go for it too under those circumstances, you only live once.
    " 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 24th Feb 17, 9:47 AM
    • 326 Posts
    • 1,140 Thanks
    jvr
    I'd go for it too! Save a fortune on having someone fit it!


    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £1900/£9000 paid......... £7100 to go!
    • JWPopps
    • By JWPopps 24th Feb 17, 11:39 AM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Thank you both, that's kind of where I am with it now too.


    Also - big news...

    My mum might have found a bungalow!! We're not 100% sure she can afford the full fees and bond and first month's rent, but she'll only be £50 or £60 off it if she doesn't have quite enough which I'd be happy to scrape together -not to get rid of her you understand, but I haven't seen her this animated about getting somewhere before, so I'd hate for her to lose the opportunity.
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Bobarella
    • By Bobarella 24th Feb 17, 2:39 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    That's super news! Really hope it works out for her.
    " 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 24th Feb 17, 3:08 PM
    • 326 Posts
    • 1,140 Thanks
    jvr
    Fingers crossed!!!


    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £1900/£9000 paid......... £7100 to go!
    • Sun Addict
    • By Sun Addict 24th Feb 17, 9:18 PM
    • 4,623 Posts
    • 26,389 Thanks
    Sun Addict
    Good news re your mum's bungalow Bad news about the cat I'm with the others about going for it with the flooring, get it over and done with.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • ChasingSunshine
    • By ChasingSunshine 25th Feb 17, 8:42 AM
    • 101 Posts
    • 864 Thanks
    ChasingSunshine
    Sorry to hear about the cat. Great news for your mum, fingers crossed she gets it. Agree with the others that if you are really keen on the flooring and have a plan that it won't derail your repayments then go for it especially if you don't have to worry about getting someone in to install it.
    • JWPopps
    • By JWPopps 25th Feb 17, 10:01 PM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Thanks guys!!

    Also - realised my hosting will earn me £130 extra this month, so we're storming ahead with the laminate flooring

    Also painted the spare room today with a tin of paint I've had since September 2015 so that cost me nowt and feels like I'm still cracking on with getting the house how I want it. Having the rabbits indoors over winter knackered the carpet in the spare room as well - but I HATED that carpet so I'm perfectly happy with my decision to replace it with carpet tiles. I just need to find a nice single bed on Gumtree now and my hosting room will be perfect

    Went to see one of the houses Mum's seen today too - this one was too big, too rural, too expensive to run (oil heating and we found a damp patch) but it was worth seeing the kind of thing she DOESN'T want... she's going to see the lovely bungalow by herself tomorrow as I'm going out with a cousin. It's not going to be ready until end of March for her to move, which would work out better financially too.

    Hope everyone else is having a productive weekend too!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Bobarella
    • By Bobarella 26th Feb 17, 1:20 AM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    Sounds like a good day. The painting must feel good.
    " 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
    • JWPopps
    • By JWPopps 4th Mar 17, 4:39 PM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Do you know??....

    As soon as I feel like things are going well then my phone falls out of my back pocket into a running bath

    So, I've had to claim an upgrade from EE, so my phone bill will now be £25 for the next 2 years. Still better than the nearly £40 I was paying initially but still. I feel so stupid, but I know these things will happen!!

    I've ordered my laminate flooring anyway so that's sorted, and I'm determined not to give up just because I've had a bit of a setback.

    In other news

    this is totally not MSE related, but I have nowhere else to moan about this so I'll do it here:

    My boyfriend has decided, for the 2nd weekend in a row, not to come and see me. Last weekend he had a nasty cold so I let him off because I didn't want him to have to drive for 2 hours feeling like that, but this weekend he's much better - just, apparently not 'better' enough. I'm really hurt by this because I have never cancelled on going to his. We've been together nearly 3 years and it still feels like he considers coming to see me a chore. I've brought this up in the past and even suggested we go back to just being friends so he doesn't have to feel beholden to my feelings anymore, but he insists he doesn't want that... and yet doesn't seem to worry about the fact I make a lot more effort than he does to maintain our relationship.

    I'm sure this feeling will pass, but it means I've ended up with nothing to do all weekend because he (his words) 'doesn't fancy' driving to see me. It would save me £80 a month if I suddenly 'didn't fancy' paying for trains to visit him, so I can't help feeling hard done by. Humph.
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • jvr
    • By jvr 6th Mar 17, 8:26 AM
    • 326 Posts
    • 1,140 Thanks
    jvr
    Hi


    I did the phone thing just before Christmas... was just at the end of my contract all happy to keep my old phone and pay a lot less and it fell in the sink... I felt the exact same stupid feeling but your right these things happen!


    I would be bothered by that attitude too! Does he make an effort when he is actually with you? sometimes I think my OH never realises that it is not just what you do (such as travelling to see) but the attitude you do it with that makes someone feel carp or special. I also hate people cancelling which is ironic as I can when feeling down be a pain and flaky but if you have time and notice you can arrange something else to do rather than last minute be stuck with no plans and feel doubly worse! Hope things get sorted..... this is a very good place to vent at times I definitely have!!


    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £1900/£9000 paid......... £7100 to go!
    • VelvetFreak
    • By VelvetFreak 6th Mar 17, 10:07 AM
    • 158 Posts
    • 473 Thanks
    VelvetFreak
    Hi, first time visiting your diary. Not wanting to be a Negative Nancy, re. the boyfriend, but I think actions speak louder than words. Have been through this nonsense before myself. Tell him to pull his head in or else
    Family Loan of $8000 - Paid off 22/06/2017
    Emergency Fund $6,000 / $10,000
    Flooring Renovation Fund $2122 /$5000
    Kitchen Renovation Fund $0 / $8000
    • JWPopps
    • By JWPopps 6th Mar 17, 8:09 PM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Thank you both!

    JVR it makes me feel better that I'm not alone with my phone-related clumsiness! Got my replacement today so just waiting for the SIM activation to go through.

    Velvet Freak Ha, thank you - that's what I needed to hear! We had 'a chat' and he sulked that I was being mean to him and then changed his tune and has offered to come over next weekend AND the one after (my birthday) to make up for it... He's really good company and I am very fond of him (not going to be too mushy about him on the internet!!) but he's not really a 'good' boyfriend in some senses. As in, I don't expect we'll ever live together, because he's too set in his ways (at 31...)

    Still, I feel better for my rant and in a generally better mood in general today. Except now I have the sniffles. So I also have a hot toddy. Swings, meet roundabouts........
    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 6th Mar 17, 8:23 PM
    • 4,623 Posts
    • 26,389 Thanks
    Sun Addict
    Boo to the phone but glad it's sorted now, likewise with the boyfriend. You reminded me of my mum she used to say if a bloke was still living on their own at 30 they would be set in their ways. Must be the cut off point

    Feel free to rant on here, we all do it, doesn't have to be MSE related.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • Bobarella
    • By Bobarella 6th Mar 17, 10:04 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    That's hard about the long distance thing. I did it for my first term at Uni when my OH was still living in our home town. In our case it was a 4 hour hike door to door and at times I did resent it. He moved up and we moved in so that was the end of that but I sympathise. The cost alone is really tough.
    " 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
    • JWPopps
    • By JWPopps 11th Mar 17, 12:40 PM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Hello all!
    Quick update from moi:

    It's been a bit of a rough couple of weeks in some ways, but in others it's been great.

    I've been hosting for 3 weeks, and the young person I've had staying had lots of issues (in my opinion not his fault!!) and therefore he acted out a little bit. I've had the police round more this last couple of weeks than ever before in my life!!

    BUT they've found him a more permanent solution and he left happy, so I think that counts as a success.

    Money-wise I'm feeling a little better. I forgot I'd bought some discounted Sainsbury's gift cards, so I'm not as broke as I thought - I have £60 for shopping that cost me £50 so that's good

    Also got a lovely fresh fruit and veg delivery this morning and I will see my boyfriend for the first time in over a month

    Hope everyone has a fab weekend
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • JWPopps
    • By JWPopps 26th Mar 17, 11:30 AM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Hello!

    I'm going to stop apologising every time it's a while between posts; I think everyone here understands that life can get in the way!

    My birthday was lovely, I bought 6 books so I'm in reading heaven. And I got my laminate flooring... honestly it's SO beautiful, and my dad did such an amazing job fitting it for me. I really am very lucky to have him!! I just want to sit in my living room more now, so I can't regret the additional cost even for a moment.

    Money-wise: My credit card is currently a LITTLE higher than it says in my signature, but when I get this months' rent from Mum on the last day of March I will be putting the whole lot on the card, which will take me to about £700 left on the card. So, a small dent, but a dent nonetheless.

    This is actually a really good sign, that I can use the entirety of Mum's rent money on the credit card, because it means I've managed to get my budgeting to a point where I'm not going into my overdraft and I'm not relying on Mum's rent money to get by. It's a good time to be in that position given that she's moving out in 2 months.

    I've also learned something else about myself: when I get paid, it is safest for me to remove the temptation of having money in my account. This was more or less fine when I was always in my overdraft because I never had any money, but now I am always at least a little bit in credit I always have this temptation to just treat myself, or treat other people around me until there's no money left. It's almost as though I feel safer when I have no money in my account, because that's how I'm used to living.

    So, to deal with this I have started doing a few things:
    - I move grocery budgets to a different account on the day I get paid
    - I make all the overpayments I've allotted for the month on the day I get paid too, so my debts are dealt with first
    - I move a little bit of 'fun' money into another account too - and then every time I buy a £1.75 coffee, or go for dinner with friends, I pay using my debit card and move the money immediately from the fun fund into my main account to cover it. This means I can check up on how much 'fun' I'm allowed to have as the month goes on.
    - I also use up as much of my grocery budget as early as possible. I've started doing this in the last couple of months, because I know that food is one of my biggest budgeting weaknesses. I can be very easily tempted by things in fancy jars and nice bread. So, I pre-order boxes of fruit and veg to be delivered to my house every week (we've got an amazing service now that only costs between £17 and £20 and you get LOADS), and I also buy discounted Sainsbury's gift cards (I get them through work and if I buy one for £50 it only costs me £45). I then use this card in the last week or so of the month when the rest of my budget is depleted, and it helps make sure I only use my grocery budget for, well, groceries. Also, I always do an Asda home delivery order as soon as I get paid to fill up on anything we're short of for the month ahead.


    Phew! I do feel like I have come a long way since I started tracking my progress on this site, so it's definitely been helpful. I feel calmer, I'm much less stressed about money on a day-to-day basis. I do still hate that I have a credit card and a loan, but I'm more relaxed about the fact I'm paying them off and still living a nice life.

    So, I'm happy. I always said being 27 was going to be a good year for me, and so far it is turning out to be true
    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 26th Mar 17, 3:54 PM
    • 4,623 Posts
    • 26,389 Thanks
    Sun Addict
    Pleased to read all is well and that you had a good birthday.

    I've got a separate account for my spending money, with the same bank but with a separate card. It does help with budgeting. I split the amount into 4 and try to stick to it each week.

    We can buy discounted gift cards where I work, never taken it up though.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • JWPopps
    • By JWPopps 26th Mar 17, 7:26 PM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Thanks SA

    It's a new initiative for us and I quite like it. I wouldn't want to put ALL my budget on gift cards in case something happened, but it seems to be working as part of a wider mixture of techniques.

    Oh, I forgot to say - I SHOULD have about £200 coming in from my hosting, but my guest the other night accidentally left the hot tap running on full blast all day when we let the other day, so I'm parking that extra money until I've worked out with British Gas what that slip up will cost me. It was running solidly for about 7 hours... please tell me this has happened to other people too and it's not too disastrous?!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,664Posts Today

7,800Users online

Martin's Twitter