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  • FIRST POST
    • Seabiscuit
    • By Seabiscuit 18th Dec 16, 8:10 PM
    • 92Posts
    • 248Thanks
    Seabiscuit
    2017 - A year of change and positivity
    • #1
    • 18th Dec 16, 8:10 PM
    2017 - A year of change and positivity 18th Dec 16 at 8:10 PM
    I started a diary a few months back - but to be honest I'm not feeling the love with it! So with Christmas and New Year fast approaching I figured now as the ideal time to draw a line and make a fresh start.

    My debt was at its highest a couple of months back and was standing at £9173.90. It's been made up of largely a shed load of unexpected bills -vets bills, car purchase x2 (1x unplanned as first car should have lasted me a good 5 -7 years but I gave up on it after 18 months and 2.5k of bills ) and subsidising the final couple of months of maternity leave. Anyway, enough of that - what's done is done - it's time to put it right and make sure we don't find ourselves back there.

    As well as the money I'm going to use this diary to track my other goals for the year. Following the birth of my DS I've managed to lose 2st 9- the 9lb has crept back on again and needs to be shifted! I've done it all through Slimming World and exercise (more about that in a mo). Would like to lose 1 stone, preferably before the end of March. I'll be tracking my progress here. Exercise - I started running in May and love it! I've entered my first 10k in March and would love to complete a half marathon in 2017. I've also signed up to a challenge to complete 1000k in 2017 so will use this diary to keep me focussed.

    I also need to get on track with running the house. I feel currently it's a tip and out of control - sounds daft but this has a massive effect on my ability to relax and switch off. Everything from cleaning, to meal planning and batch cooking to shopping needs to be addressed. Again, hopefully this diary will help.

    Anyways back to the finances......
    The debt is split as follows:
    Cc1 £5570.74
    Cc2 £953.35
    Cc3 £790.01
    Overdraft £498.20
    Next - £42
    Very - £297.34

    Total: £8151.64

    Cc1 & cc2 are 0% at the minute, so main focus will be clearing the rest.
    Last edited by Seabiscuit; 23-12-2016 at 4:32 AM.
Page 4
    • Bobarella
    • By Bobarella 16th Feb 17, 10:53 PM
    • 10,113 Posts
    • 64,755 Thanks
    Bobarella
    Don't be sorry. That's what this place is here for. It is slow going a lot of the time. But we will all get there in the end.
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    • Scott_Weiland
    • By Scott_Weiland 17th Feb 17, 12:15 AM
    • 249 Posts
    • 458 Thanks
    Scott_Weiland
    How far are you away from your half marathon how many weeks out??

    I am doing my first full marathon in april i have an 18.5miler to do tomorrow. Its so hard going training at the moment the last 2-3 weeks every day i have gone on my larger run its being 1-2 degrees or colder.
    Debts 16349.33
    • Seabiscuit
    • By Seabiscuit 22nd Feb 17, 6:12 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Hi Scott - it's beginning of April, so about 5 weeks away! I've covered 12.5 miles so not too far off the distance but it took me 2:15 - cut off for the race is 3 hours and I think it's quite hilly! Got a couple of 10k races between now and then as the furthest I've 'raced' is 5K up to now. Hats off to you doing a marathon- the training in its self is a massive achievement. I'm struggling to commit time to half training! Good luck with it, hope all goes well.
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Seabiscuit
    • By Seabiscuit 22nd Feb 17, 6:24 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    So I've been quiet which usually isn't a good sign lol! It's been a week of robbing Peter to pay Paul again. All eBay sales have gone on food shopping etc so no over payments which is really disappointing.

    Looks like next month is going to be fairly similar but at least we're aware of it.

    Plan for today is a quiet one! Got a few errands to run in the village so will have a walk down there later. I'm going to get a lasagne cooked - one portion for tonight and 3 to freeze. Also need to meal plan for next couple of weeks as I'm eating rubbish again.

    Pay day is Friday, so will check back in tomorrow to report the terrible monthly figures once I've sorted them!

    Have a good day x
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • clearmydebts
    • By clearmydebts 22nd Feb 17, 12:19 PM
    • 5,970 Posts
    • 17,234 Thanks
    clearmydebts
    So I've been quiet which usually isn't a good sign lol! It's been a week of robbing Peter to pay Paul again. All eBay sales have gone on food shopping etc so no over payments which is really disappointing.

    Looks like next month is going to be fairly similar but at least we're aware of it.

    Plan for today is a quiet one! Got a few errands to run in the village so will have a walk down there later. I'm going to get a lasagne cooked - one portion for tonight and 3 to freeze. Also need to meal plan for next couple of weeks as I'm eating rubbish again.

    Pay day is Friday, so will check back in tomorrow to report the terrible monthly figures once I've sorted them!

    Have a good day x
    Originally posted by Seabiscuit
    Robbing Peter to pay Paul here too. Payday can't come quick enough on Friday!
    Total debt (starting September 2016): €25,474/€27,000
    BOI credit card: €6,600/€7,000
    Loan:€18,874/ €20,000
    Emergency savings: €700/€1000
    • Bobarella
    • By Bobarella 22nd Feb 17, 8:56 PM
    • 10,113 Posts
    • 64,755 Thanks
    Bobarella
    Hang in there. Not long till Friday now.
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    • Seabiscuit
    • By Seabiscuit 23rd Feb 17, 5:02 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Slightly premature ahead of payday tomorrow but here's the figures.....

    Cc1 was £5470.74 now £5370.74 (-£100)
    Cc2 was £931.90 now £910 (-£21.90)
    Cc3 was £644.78 now £611.90 (-£52.88)
    Next was £37.93 now £0 (-£37.93)
    Very was £294.03 now £288.25 (-£5.78)
    OD was £474.84 now £463.82 (-£11.02)

    Total was £7854.22 now £7644.7 (-£209.51)

    Have to say I'm quite pleasantly surprised! Yes I've cheated slightly in that I've already classed the £180 owed for vet meds as paid off (it will be first thing in the morning!). Really thought this month had been a complete write off.

    So challenges for March...
    1. Vet bill to pay of approx £300 - I've already written this into next months budget so hopefully should be ok.
    2. OH car insurance - due to vets bill will have to start paying this monthly. Will add £30 a month to budget.

    Focus for the coming month will be the Very account - would like to get this gone asap as the interest seems huge. The plan was to get OD and Cc3 gone by June - realistically this isn't likely. To do that we'd be looking at £1300 ish over the next 4 paydays. So priority 1 is very, 2 cc3 and 3 OD.

    Here's to a great month
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Seabiscuit
    • By Seabiscuit 23rd Feb 17, 10:52 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Looks like Doris has arrived - the weathers awful. Was hoping to get a 10k in this evening, think I'll give it a miss!

    Vet bill has landed - I was £23 out - £323!!! Ouch! Another tight month but hopefully will still be able to make some overpayments.

    Little mans sleeping so will crack on in a mo with some eBay listings. The lasagne didn't get done yesterday so will also get that sorted. Other than that I'm hibernating until it's time to brave it and feed the ponies....
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Seabiscuit
    • By Seabiscuit 24th Feb 17, 3:29 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Yay payday at last

    Transferred money into relevant "pots" for the month. Will phone vets later and get them paid off.

    Managed to list a load of items yesterday - fingers crossed these turn to sales.

    Things seem a lot calmer this morning. Have to say getting the ponies in last night wasn't fun - they weren't impressed in the slightest!

    Just a quick update this morning as nothing to report but MUST STAY FOCUSSED!
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Seabiscuit
    • By Seabiscuit 27th Feb 17, 4:01 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Morning!
    Just a quick check in to help keep focussed. Had a couple of decent sales over the weekend resulting in £40 being paid off the very account. Managed to list a few more items to so fingers crossed. My eBay pile is gradually being listed - just need it all to sell so I can declutter too!

    Parkrun on Saturday - somehow managed a new parkrun pb- not sure how as I set off too quickly and then found it quite difficult. Have my first 10k race next weekend

    Gone a little OTT on the food shop this weekend. Admittedly it did include some clothes for DS and a few store cupboard items so not too horrendous but definitely could have been better.

    Vet bills paid - still awaiting on blood test results though, will follow up on weds if not heard anything.
    Right, plan for the week
    1. Sort OH car insurance
    2. List 10 x eBay
    3. Horse feed
    4. Meal plan
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Bobarella
    • By Bobarella 27th Feb 17, 9:24 AM
    • 10,113 Posts
    • 64,755 Thanks
    Bobarella
    Well done on your pb!
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    • Seabiscuit
    • By Seabiscuit 3rd Mar 17, 4:20 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Morning!

    Thanks Bobarella - its was very unexpected as it felt awful! I'll take it tho!

    So, I've had a couple more sales on eBay, just totalled it up and I've managed to pay off £84 since payday last week!!!! This has all been through decluttering. I'm very conscious my eBay stash won't last forever, but need to put it to good use while I can. The very account now stands at a tickle over £200, £166 is interest free until July so if I can get to this figure by end of the month, it means I can split it out at £41.50 per month for the remaining months and move back to tackling cc3.

    Off for a quick run before work. I have so much time owing and can only claim 7 days a year! I'm already nearly a day up having claimed back a day last week, so I'm making the conscious effort to work a few shorter days so I don't loose the time.

    Right best look lively! Have a good day x
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Seabiscuit
    • By Seabiscuit 5th Mar 17, 5:00 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Morning!
    Nice day out and about yesterday with OH and DS - had a few errands to run and food shopping. Went completely OTT again with the food shop so need to rein this in for the rest of the month.

    Weighed in at SW yesterday - another 1 lb on . Need to get this back under control again. I'm currently 5lb over my target range. Would be great to get this gone by the end of the month. FOCUS!!!!

    Another £5 sale to pay off Very. I've plugged a few figures in to my spreadsheet and it is possible (albeit tight) for me to have Cc3 and Very paid off my the end of June. I can do this!!!

    First 10k race today - have to say I'm a little scared! The weather forecast doesn't look to kind either but I'll get round it one way or another!
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Bobarella
    • By Bobarella 5th Mar 17, 11:26 PM
    • 10,113 Posts
    • 64,755 Thanks
    Bobarella
    Hope your race went well!
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    • Seabiscuit
    • By Seabiscuit 6th Mar 17, 4:15 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Thanks Bobarella! Race was very very wet and muddy! But, it appears rain is good for running and eBay sales! Managed to shave 3 minutes off my 10k PB, meaning I completed in under an hour and had £24 eBay sales, so £24 off Very account. Quite a successful for a miserable Sunday!
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Seabiscuit
    • By Seabiscuit 7th Mar 17, 4:21 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Morning!
    I'm heading into work later today - have an all day meeting at another site, so going to take advantage and do a short day. I've far too much time owing to me and due to my part time hours can only claim a day every other month. Any excess I lose. So going to make the most of it and pop out for a quick 5k before heading to the horses.

    Another £10 sale and another £10 paid off Very. I miscalculated, it's actually £160 that's interest free (they charge interest on delivery!!!) so I'm now £9.19 away from just having the interest free remaining. Will hopefully pay that off via ebay before month end. Once this paid, any extra sales will sit as a buffer until the end of the month and then I'll pay any left over off cc3 - which will be my next victim!!!

    In desperate need of doing a car boot - I've got so many baby clothes to sort through! Hopefully with spring peeping round the corner I can have a good clear out and get things shifted. 2017 the year of the mass declutter!!!!

    2017 has really been full of bad news so far. I've heard of three local young families with a parent terminally ill, a friend's have had her relationship turn very nasty and literally had to build life back up from scratch and various other bits - just makes you realise how prescious life is and not to take it for granted. Makes me all the more determined to sort out this debt and ensure that I'm giving my little one the best possible life along the way. Life's about memories not material goods.

    Have a fantastic day x x x
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Seabiscuit
    • By Seabiscuit 9th Mar 17, 5:06 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Morning!
    One eBay sale of £9.99 means Very is now interest free! Will pay £40 a month for the next 4 months and it'll be gone Focus will now return to paying off cc3.

    Need to get a few more bits listed on eBay. I'm hoping little one will have a nap after playgroup and free me up an hour to do it - fingers crossed. Also need to pop into town to get a friend's birthday pressie, so hopefully today's plan will be horses/ dogs, playgroup, eBay, town, run, horses, bed! That's the plan anyhow!!!

    Getting a wee bit nervous about the half marathon -I did have a plan to run to, and although I've run the right amount of longer runs I'm still doubting my ability to do this. Ideally need two more long runs (10.5 miles) - will do one this weekend, but have a 10k next weekend and the weekend after that is the weekend before the race will try and sneak a 8.5 in mid week I think.

    Right better get moving! Have a good day
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Seabiscuit
    • By Seabiscuit 14th Mar 17, 4:30 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    Morning!
    Been absent for a few days, but for once is not necessarily due to things going wrong financially! I guess life's just gotten in the way a wee bit! Things are ticking over quite nicely at the mo (no wanting to tempt fate!). I've had a £9 eBay sale and literally as I'm typing this had a £15 one. Not touching the money from these for the minute, as want to make sure we're still in an ok position this time next week i.e. the countdown to payday!

    Need to make the minimum payment to cc3 - my new focus now Very is interest free.

    Managed a 12 mile run over the weekend - I'm still paying for it now my thighs are feeling quite sore! Ideally need a 4 and 6 mile this week but think I'll leave it until tomorrow before I attempt anything!

    Right best crack on - have a good day x
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
    • Bobarella
    • By Bobarella 15th Mar 17, 12:06 AM
    • 10,113 Posts
    • 64,755 Thanks
    Bobarella
    Well done on your run time. Always nice to get it a bit faster. It sounds really sad about the people you know who are very ill. It must be hideous for the family.
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1475.90 2016 £2,535.16 2015 £1027.20
    • Seabiscuit
    • By Seabiscuit 24th Mar 17, 5:00 AM
    • 92 Posts
    • 248 Thanks
    Seabiscuit
    It's payday
    So here are the scores on the doors


    Cc1 was £5370.74 now £5270.74 (-£100)
    Cc2 was £910 now £889.53 (-£20.47)
    Cc3 was £611.90 now £593.82 (-£18.08)
    Next was £0 now £0
    Very was £288.25 now £159.74 (-£128.51)
    OD was £463.82 now £476.33 (+12.51)

    Total was £7644.71 now £7390.16 (-£254.55)

    Not the best month ever but overall things are moving in the right direction and lets face it, 4 months like that and £1k is paid off. So not too bad I guess - I'm just impatient!!!!

    Very *should* now be interest free until July, so this will paid off in 4 equal chunks. Focus will now be Cc3.

    I've sorted a load more stuff for eBay so need to make time to get these listed.

    My half is next weekend and I've not run since doing a 10k on Sunday. Been feeling generally grotty. Plan is for 4/5 miles today, 9/10 on Sunday and then 1 x 10k and 1x 5k next week. Fingers crossed all goes according to plan. Beginning to have serious doubts about it and this horrible chesty cold isn't helping matters .

    Have a good day x
    1000km in 2017 = 228/1000
    Mid year goals.......
    Reduce OD to £200 = £34.33/ £298 Clear cc3 = £198.11 / £790.01 Clear Very = £137.6/£297.34
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