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  • FIRST POST
    • JWPopps
    • By JWPopps 13th Dec 16, 6:03 PM
    • 138Posts
    • 704Thanks
    JWPopps
    Flush by 30?
    • #1
    • 13th Dec 16, 6:03 PM
    Flush by 30? 13th Dec 16 at 6:03 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, 10:58 AM
    • 138 Posts
    • 704 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!!
    CC 1 £780 / CC 2 £0.00 /
    Overdraft £0 / Loan £7,500
    Savings: £70/£1000

    PAYDBX 2017 - #19 : 23% paid 1932.17/8280
    • Bobarella
    • By Bobarella 23rd Feb 17, 9:34 PM
    • 10,103 Posts
    • 64,643 Thanks
    Bobarella
    I'd go for it too under those circumstances, you only live once.
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • jvr
    • By jvr 24th Feb 17, 8:47 AM
    • 228 Posts
    • 817 Thanks
    jvr
    I'd go for it too! Save a fortune on having someone fit it!
    Credit cards: £6000 now £4650 aim to be debt free (ignoring mortgage and student loans) by Dec 2017
    • JWPopps
    • By JWPopps 24th Feb 17, 10:39 AM
    • 138 Posts
    • 704 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.
    CC 1 £780 / CC 2 £0.00 /
    Overdraft £0 / Loan £7,500
    Savings: £70/£1000

    PAYDBX 2017 - #19 : 23% paid 1932.17/8280
    • Bobarella
    • By Bobarella 24th Feb 17, 1:39 PM
    • 10,103 Posts
    • 64,643 Thanks
    Bobarella
    That's super news! Really hope it works out for her.
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • jvr
    • By jvr 24th Feb 17, 2:08 PM
    • 228 Posts
    • 817 Thanks
    jvr
    Fingers crossed!!!
    Credit cards: £6000 now £4650 aim to be debt free (ignoring mortgage and student loans) by Dec 2017
    • Sun Addict
    • By Sun Addict 24th Feb 17, 8:18 PM
    • 3,625 Posts
    • 18,543 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.
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
    • ChasingSunshine
    • By ChasingSunshine 25th Feb 17, 7:42 AM
    • 45 Posts
    • 368 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, 9:01 PM
    • 138 Posts
    • 704 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!
    CC 1 £780 / CC 2 £0.00 /
    Overdraft £0 / Loan £7,500
    Savings: £70/£1000

    PAYDBX 2017 - #19 : 23% paid 1932.17/8280
    • Bobarella
    • By Bobarella 26th Feb 17, 12:20 AM
    • 10,103 Posts
    • 64,643 Thanks
    Bobarella
    Sounds like a good day. The painting must feel good.
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • JWPopps
    • By JWPopps 4th Mar 17, 3:39 PM
    • 138 Posts
    • 704 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.
    CC 1 £780 / CC 2 £0.00 /
    Overdraft £0 / Loan £7,500
    Savings: £70/£1000

    PAYDBX 2017 - #19 : 23% paid 1932.17/8280
    • jvr
    • By jvr 6th Mar 17, 7:26 AM
    • 228 Posts
    • 817 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!!
    Credit cards: £6000 now £4650 aim to be debt free (ignoring mortgage and student loans) by Dec 2017
    • VelvetFreak
    • By VelvetFreak 6th Mar 17, 9:07 AM
    • 77 Posts
    • 195 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 $3651/$8000 = -$4639
    Emergency Fund $1375/$10,000
    Mini Cash Savings = $10/$100
    • JWPopps
    • By JWPopps 6th Mar 17, 7:09 PM
    • 138 Posts
    • 704 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........
    CC 1 £780 / CC 2 £0.00 /
    Overdraft £0 / Loan £7,500
    Savings: £70/£1000

    PAYDBX 2017 - #19 : 23% paid 1932.17/8280
    • Sun Addict
    • By Sun Addict 6th Mar 17, 7:23 PM
    • 3,625 Posts
    • 18,543 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.
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
    • Bobarella
    • By Bobarella 6th Mar 17, 9:04 PM
    • 10,103 Posts
    • 64,643 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.
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • JWPopps
    • By JWPopps 11th Mar 17, 11:40 AM
    • 138 Posts
    • 704 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
    CC 1 £780 / CC 2 £0.00 /
    Overdraft £0 / Loan £7,500
    Savings: £70/£1000

    PAYDBX 2017 - #19 : 23% paid 1932.17/8280
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