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  • FIRST POST
    • Honeysucklelou2
    • By Honeysucklelou2 31st Dec 16, 4:05 AM
    • 590Posts
    • 2,306Thanks
    Honeysucklelou2
    From debt to freedom...
    • #1
    • 31st Dec 16, 4:05 AM
    From debt to freedom... 31st Dec 16 at 4:05 AM
    For a couple of months I have been lurking and reading diaries which have been helpful and inspiring. I thought that I would start a diary to keep myself focussed on getting rid of the debts.

    I am a working mum, recently separated from my husband. I have a large family which makes for an interesting and busy life! I have had a couple of LBMs in recent years and tried to stick to a budget. I had 2 loans totalling 17, 000 at one point. One loan was paid in Aug 2016 and the 2nd has just over £2,000 to go and is due to be paid off by August 2017.
    Other than that, I have a cc with a £475 balance, 2 home improvement loans ( for double glazing) that both have about £1700 outstanding. These have a horrible interest rate of 22%, so I'm eager to tackle these first.
Page 22
    • Honeysucklelou2
    • By Honeysucklelou2 13th Jan 18, 11:12 AM
    • 590 Posts
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    Honeysucklelou2
    That's a really good idea Mumoffour...might have to suggest that to our school.

    NSD #5 yesterday.

    I've planned a menu for the week with DD3. I went through the freezer yesterday and realised that I have a few bags of frozen soft fruit, so have planned a raspberry custard tart for tonight's pudding ( DS2's favourite). Hoping to get some baking done later to fill the tins. DD2 gave me 2 lovely tins for Christmas...not sure if it's a hint to fill them up more
    paydbx #93 £155/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Honeysucklelou2
    • By Honeysucklelou2 13th Jan 18, 10:58 PM
    • 590 Posts
    • 2,306 Thanks
    Honeysucklelou2
    Busy day today. I spent £100 on food for the week, but that also included shampoo, conditioner, nappies and dog food. The menu plan is

    Sun - Roast chicken
    Mon - chicken pie with leftovers
    Tues - pasta with tomato sauce
    Wed - children eat with the ex
    Thurs - sausage casserole
    Fri -

    The £100 also included a sistema soup container. It was on offer for £2.25 and has a vent opening so that soup can be reheated in the microwave. I do enjoy making soup and having discovered that we have a microwave at work, I thought the soup container would be a useful purchase. I have a couple of butternut squashes to use up so hope to make soup with those tomorrow, in readiness for Monday.

    I made a payment off a debt. I've estimated the interest and subtracted that from the payment so I think £75 is the amount paid off the capital.

    I've done a few hours work in preparation for next week and got 4 loads of laundry done. The tins have been refilled with flapjacks, mincemeat and marzipan loaf and raspberry custard tart. A productive day
    paydbx #93 £155/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Mumoffourkids
    • By Mumoffourkids 14th Jan 18, 7:01 AM
    • 253 Posts
    • 876 Thanks
    Mumoffourkids
    You saying you have filled your tins today with home baked stuff has made me want to bake today. I might do some this morning seeing as I am up early with the two little ones. I keep saying I am going to bake but never seem to find the time!

    Also well done on making a payment to the debt. I have a spreadsheet to work interest on my debts that are charging interest.

    You have had a very productive day. I love days like that.
    Total debt Dec 2017 £22940.83/£23090.83
    Debt no 1 £493.29/£593.29 ~ Emergency fund £0/£600
    PAYDOBX2018 #97 £0/£12,000 ~ Make £10 a day #16 £28.90/£62
    20p savers 2018 #95
    NSD Jan 2018 2/12
    • Honeysucklelou2
    • By Honeysucklelou2 14th Jan 18, 8:30 PM
    • 590 Posts
    • 2,306 Thanks
    Honeysucklelou2
    NSD #6 today

    I've had a lovely afternoon, walking through the lanes and fields locally. The toddler had his wellies on and splashed in all the puddles. Sunset was beautiful and the sight of the snowdrops, a reminder that Spring isn't too far away

    Trying to get organised now and gear myself up for work...an even busier week than usual is ahead.
    paydbx #93 £155/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Honeysucklelou2
    • By Honeysucklelou2 16th Jan 18, 12:44 AM
    • 590 Posts
    • 2,306 Thanks
    Honeysucklelou2
    NSD #7 today ( Monday).

    Busy at work today. We stuck to the menu plan and had chicken pie even if it was a little late when we ate.
    paydbx #93 £155/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Cherryfudge
    • By Cherryfudge 16th Jan 18, 3:31 PM
    • 1,077 Posts
    • 5,143 Thanks
    Cherryfudge
    How ever do you manage seven in a row?!

    • Mumoffourkids
    • By Mumoffourkids 16th Jan 18, 6:05 PM
    • 253 Posts
    • 876 Thanks
    Mumoffourkids
    Yes well done on that. I struggle to do two in a row let alone seven. There is always something to pay for in this house! Your walks sound lovely as well. I wish I could convince my toddler to wear wellies though. He only stopped wearing his sandals when we had snow before Christmas!
    Total debt Dec 2017 £22940.83/£23090.83
    Debt no 1 £493.29/£593.29 ~ Emergency fund £0/£600
    PAYDOBX2018 #97 £0/£12,000 ~ Make £10 a day #16 £28.90/£62
    20p savers 2018 #95
    NSD Jan 2018 2/12
    • Honeysucklelou2
    • By Honeysucklelou2 16th Jan 18, 6:43 PM
    • 590 Posts
    • 2,306 Thanks
    Honeysucklelou2
    No I confess I'm counting the NSDs through the month. I used to do the NSD challenge on the challenges board and set myself a target of 10 a month which I kept failing at, so I thought I'd count them on here and get better before venturing back to the challenge boards. The most I've done in a row is 3.

    Sadly not a NSD today as milk and bread were needed.
    paydbx #93 £155/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Honeysucklelou2
    • By Honeysucklelou2 16th Jan 18, 6:44 PM
    • 590 Posts
    • 2,306 Thanks
    Honeysucklelou2
    No I confess I'm counting the NSDs through the month. I used to do the NSD challenge on the challenges board and set myself a target of 10 a month which I kept failing at, so I thought I'd count them on here and get better before venturing back to the challenge boards. The most I've done in a row is 3.

    Sadly not a NSD today as milk and bread were needed.
    paydbx #93 £155/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Mumoffourkids
    • By Mumoffourkids 16th Jan 18, 7:40 PM
    • 253 Posts
    • 876 Thanks
    Mumoffourkids
    Ahh I see. I needed bread and milk as well today. I sent to need to buy milk every other day!
    Total debt Dec 2017 £22940.83/£23090.83
    Debt no 1 £493.29/£593.29 ~ Emergency fund £0/£600
    PAYDOBX2018 #97 £0/£12,000 ~ Make £10 a day #16 £28.90/£62
    20p savers 2018 #95
    NSD Jan 2018 2/12
    • Cherryfudge
    • By Cherryfudge 16th Jan 18, 11:08 PM
    • 1,077 Posts
    • 5,143 Thanks
    Cherryfudge
    Three is still pretty good.
    • Storm89
    • By Storm89 17th Jan 18, 9:53 AM
    • 140 Posts
    • 186 Thanks
    Storm89
    three in a row is brilliant I used to spend around £100 a week but have cut it down to between £60 and £70 depending on what extras are needed that week. In terms of milk aldi have really good dates on so I buy 3 of the really big ones and it sees us through the week. With bread I buy the aldi 40p bread (3 loaves) I put one loaf in the freezer and then towards the end of the week when the other 2 loaves are gone I get out how many slices we will need the night before to defrost. I've ended up slipping up this week and popping into a sainsburys local because I had gone a day longer between food shops but usually I don't have to pop out.
    We are only 2 adults and 2 children though and no pets so can imagine it gets expensive the more in the house ! I did the shopping on Monday and won't spend anything now until Saturday when it's £3.50 for my daughters dance lesson.
    Sounds like you really enjoyed your walk , it's so nice enjoying the free things in life isn't it. I'm realising how you don't need to spend money to enjoy yourself x
    • Honeysucklelou2
    • By Honeysucklelou2 17th Jan 18, 11:47 AM
    • 590 Posts
    • 2,306 Thanks
    Honeysucklelou2
    I buy the 6 pint cartons of milk too. We go through 1 a day, so I try to get 4 ( as many as I can cram into the fridge) to see us over the weekend and into Yuesday if I can, then pick up extras on Tuesday after work. My children are rebelling against bread! They really don't seem to like sandwiches but will happily eat pitta bread, bagels or wraps so I'm tending to buy Mr T's own bagels and freeze those, then get wraps if they are on offer or yellow sticker.

    The toddler isn't well today so I have an unexpected day with him. Unfortunately lots of washing to accompany the ill-health but glad I can be home with him when he's feeling poorly.
    paydbx #93 £155/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Honeysucklelou2
    • By Honeysucklelou2 17th Jan 18, 11:52 AM
    • 590 Posts
    • 2,306 Thanks
    Honeysucklelou2
    You're right Storm,about the free things in life. Walking and enjoying the changing seasons has always been a joy to me but especially time to enjoy being with my children without any distractions. I'm trying to make the most of time with my little ones because the time goes so fast as I've learnt with my teenagers!
    paydbx #93 £155/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Cherryfudge
    • By Cherryfudge 17th Jan 18, 12:05 PM
    • 1,077 Posts
    • 5,143 Thanks
    Cherryfudge
    I hope the little one is soon better and no one else gets it.

    Using up milk here today: rice pudding smells lovely. I could never fit a 6pt milk in my fridge... working on having more space in there.
    • MeandO
    • By MeandO 17th Jan 18, 12:11 PM
    • 1,217 Posts
    • 5,846 Thanks
    MeandO
    Hope the little person is better soon! x
    Mortgage Feb 2015: £102,000 Mortgage now: £78,089
    OP 2018 (£100pm): £102.26/£1200
    • Storm89
    • By Storm89 17th Jan 18, 12:49 PM
    • 140 Posts
    • 186 Thanks
    Storm89
    oh gosh I bet they do grow so quickly, I'm dreading the day when my eldest won't want snuggles with me anymore - I'm not allowed to kiss him when I drop him off at school anymore haha. There seems to be so many bugs going around lately nobody can seem to shake them, it's horrible for little ones when they're all feeling sorry for themselves
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