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  • FIRST POST
    • Naomim
    • By Naomim 6th Jan 17, 1:18 PM
    • 1,148Posts
    • 2,631Thanks
    Naomim
    A Ditherer's Diary (again) 2017
    • #1
    • 6th Jan 17, 1:18 PM
    A Ditherer's Diary (again) 2017 6th Jan 17 at 1:18 PM
    I'm baaaack.

    When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7.

    Having had a quick read through, a lot of it was me coming and going with a few months/years in between.

    I recently came back to MSE and went straight onto the Debt Free Wannabe board. I posted an SOA . The debts are dire.

    We've recently had an extension and a lot of work done to the house. It was awful, we've had to sack the builder and he owe us a lot of money. The roof is leaking, the house needs re-wiring. The dog is poorly and needs a £4k operation... .

    I know this is all going to take a very long time to sort out. Little by little, step by step I can hopefully creep us out of the overdraft, melt the credit card debts and maybe even have some spare money one day!

    My plans for the following week are:

    Find the new credit card I got for 0% interest balance transfer - activate it and set-up direct debit
    Use the snowball calculator again to see how this has changed.
    Get car insurance quotes
    Make packed lunches every day
    DO NOT buy coffee out.


    I've joined the £2 savers club. I was a member a few years ago and have always saved them. It physically hurts to spend one.

    I hope you'll come and help me along the long and winding path.

    Naomi x
    CC's Nov16 £18,609.97 / Feb17 £19222.48 Overdraft Nov16 £2,416.88 / Feb17 £1863.48
    £2 savings club #26 £48 NSD'S Feb17 2/8
    Here's my diary: A Ditherer's Diary Again
Page 5
    • Naomim
    • By Naomim 7th Mar 17, 12:35 PM
    • 1,148 Posts
    • 2,631 Thanks
    Naomim
    Hello diary,

    I'm sitting at my desk eating my home made egg mayonnaise sandwiches and stinking out the office

    Today I have cancelled Amazon Prime. I usually sign up for the free month in the run up to Christmas then cancel. This time I didn't cancel as our SKY was broken so it gave us something to watch and MrM was interested in seeing the "Road Trip" . I overheard someone at work talking today about the student discount for Amazon Prime which reminded me I needed to cancel. This month's payment had "just" come out so I've cancelled and getting this month refunded.

    MrM's car is in the garage. It failed it's MOT due to the airbag light being on. They have to investigate where and what the fault is. It's been in for 2 days so I can see this being something expensive that we can't really afford The worst thing is my airbag light is also on so likely to be an expensive fix too.

    It never rains but it pours.

    Naomi
    CC's Nov16 £18,609.97 / Feb17 £19222.48 Overdraft Nov16 £2,416.88 / Feb17 £1863.48
    £2 savings club #26 £48 NSD'S Feb17 2/8
    Here's my diary: A Ditherer's Diary Again
    • GeorgianaCavendish
    • By GeorgianaCavendish 7th Mar 17, 2:19 PM
    • 157 Posts
    • 579 Thanks
    GeorgianaCavendish
    Hello diary,

    I'm sitting at my desk eating my home made egg mayonnaise sandwiches and stinking out the office

    Today I have cancelled Amazon Prime. I usually sign up for the free month in the run up to Christmas then cancel. This time I didn't cancel as our SKY was broken so it gave us something to watch and MrM was interested in seeing the "Road Trip" . I overheard someone at work talking today about the student discount for Amazon Prime which reminded me I needed to cancel. This month's payment had "just" come out so I've cancelled and getting this month refunded.

    MrM's car is in the garage. It failed it's MOT due to the airbag light being on. They have to investigate where and what the fault is. It's been in for 2 days so I can see this being something expensive that we can't really afford The worst thing is my airbag light is also on so likely to be an expensive fix too.

    It never rains but it pours.

    Naomi
    Originally posted by Naomim
    Sorry to hear about the MOT. We've got to get ours done this month too, I think it should be ok but you never know.

    Amazon Prime is really expensive, glad that you managed to cancel it speedily enough to get the money back. I've been caught out in the past by not cancelling things in time (last culprit was Taste card ... impossible to get any money back from them too ).

    Enjoy your sandwiches
    Georgiana, Duchess of Debt-shire's March 2017 Debt Totals: HSBC Loan £12,877.06 / Barclaycard £9,963.28 / MBNA £2054.52 / HSBC Card £2357.14 / Catalog £ 722.63 / Dreams £603 / Holiday £0

    And don't forget the Student Loan! £15,199.37 (April 2016)
    • Naomim
    • By Naomim 7th Mar 17, 4:30 PM
    • 1,148 Posts
    • 2,631 Thanks
    Naomim
    So the car will be about £1k to fix. It's not worth that but it has no MOT so shouldn't be driven really. I'm so depressed, we really don't have the money to spend on a new car. We do have two cars but it's not practical to get rid of one and not replace it. The only way we will probably be able to get one is to use the credit card which again isn't debt busting. We may be able to get a loan but we only just extended the mortgage to pay to put right all the stuff the builder did so I don't really want to apply right now. We want to sue the builder but that's also going to cost with no guarantee of getting anything back.
    CC's Nov16 £18,609.97 / Feb17 £19222.48 Overdraft Nov16 £2,416.88 / Feb17 £1863.48
    £2 savings club #26 £48 NSD'S Feb17 2/8
    Here's my diary: A Ditherer's Diary Again
    • armchairexpert
    • By armchairexpert 7th Mar 17, 11:36 PM
    • 259 Posts
    • 1,794 Thanks
    armchairexpert
    Oh no! Can you survive with one car just temporarily while you get back on your feet? I do sympathise, what a lot of things to go wrong at once. It always seems to be the way when one starts trying to get a handle on the finances, for some reason.

    With YNAB - I think starting from the last pay packet and deducting the things that have come out since that date makes sense.

    The other option is to literally start from the day you're on: you record whatever's remaining in your bank account as existing income and just allocate that, ignoring anything that's been paid this month so far. You might not get to the next pay without going into the red this time, but hopefully you will over time. That's what I did, which meant the first month told me nothing useful in terms of reporting (because some bills had come out pre-YNAB and were therefore invisible) but it did mean I ended that month at zero and when the next pay came in it got a lot simpler.
    Last edited by armchairexpert; 07-03-2017 at 11:39 PM. Reason: simplifying!
    MFW

    Feb 17 -$229,371
    March 17 -$230,023
    • Naomim
    • By Naomim 10th Mar 17, 11:57 AM
    • 1,148 Posts
    • 2,631 Thanks
    Naomim
    Oh no! Can you survive with one car just temporarily while you get back on your feet? I do sympathise, what a lot of things to go wrong at once. It always seems to be the way when one starts trying to get a handle on the finances, for some reason.

    With YNAB - I think starting from the last pay packet and deducting the things that have come out since that date makes sense.

    The other option is to literally start from the day you're on: you record whatever's remaining in your bank account as existing income and just allocate that, ignoring anything that's been paid this month so far. You might not get to the next pay without going into the red this time, but hopefully you will over time. That's what I did, which meant the first month told me nothing useful in terms of reporting (because some bills had come out pre-YNAB and were therefore invisible) but it did mean I ended that month at zero and when the next pay came in it got a lot simpler.
    Originally posted by armchairexpert
    Afternoon,

    What Iv'e done is started as if 1st March was Mr Mr'M's payday and taken out anything that has come out since he was paid. We still seem to be overbudgeting so I need to look at this. I have a lot of stuff in red!

    I've decided I HAVE to look for a new job. I work 4 days a week and asked for full time and they said no a few months ago. I was quite relieved as I don't really want to work full time but I can't keep on worrying about finances and how to pay for something. I've applied for one nearer to home and seen one I really like the look of but it's in Central London. MrM works in Central London and if I work there too it would cause problems with childcare. At the moment I get home at 5pm so 11yo has hour or so on his own and 7yo is at Grandparents until then. They aren't happy about the idea of me maybe not getting there until after 6pm and I'm wondering about how I will feed and get them into bed at a decent time if I'm home much later.

    I've just signed up for an online course to help broaden my skills which should help on my CV so fingers crossed I'll be earning loads and busting those debts soon.

    Naomi
    CC's Nov16 £18,609.97 / Feb17 £19222.48 Overdraft Nov16 £2,416.88 / Feb17 £1863.48
    £2 savings club #26 £48 NSD'S Feb17 2/8
    Here's my diary: A Ditherer's Diary Again
    • Naomim
    • By Naomim 13th Mar 17, 8:08 PM
    • 1,148 Posts
    • 2,631 Thanks
    Naomim
    Good Evening diary,

    All I seem to think about is money. MrM moans at me for being so forgetful (I have a terrible memory) but I think most of my brain capacity is taken up with money, lack of it, how to get more. And now thinking about getting another job.

    I've been looking at jobs in my current role. I'm a credit controller - (the irony) and whilst there are jobs out there, from looking at the descriptions of what they expect I have definitely had it easy and been coasting the last few years. This then makes me panic and think; if I change jobs will I be able to do as expected? The online course I signed up for is a MS Excel one. I use Excel everyday but only on a basic level. With the course though I can get an NUS card which will lead to discounts at quite a few places I have found out that through 11yo's school website we can download a free copy of MS Office 365 which is great as the laptop didn't come with it an it's not cheap. It's downloading as I type.

    We have decided we are going to have to bite the bullet and get MrM another car. He's been out and looked at a place near us that does "bargain buys" so hopefully we can pick up a pre-loved car for not too much.

    On a positive note, I budgeted £450 for my monthly shopping but when I added it all up today - I got from my payday 15th-15th, it came it £353 this month. That can hopefully change some of those red figures in YNAB to green! Also had the council tax notice in today. I guessed it would be £170 a month but it's £174.

    Nothing much else to report so I'm going to check out get 11yo into his bed because he conveniently "forgets" the time. By the time he's been to the loo, had a drink, brushed teeth and stroked the dog it's another half hour

    Naomi x
    CC's Nov16 £18,609.97 / Feb17 £19222.48 Overdraft Nov16 £2,416.88 / Feb17 £1863.48
    £2 savings club #26 £48 NSD'S Feb17 2/8
    Here's my diary: A Ditherer's Diary Again
    • EssexHebridean
    • By EssexHebridean 14th Mar 17, 11:02 AM
    • 7,030 Posts
    • 37,587 Thanks
    EssexHebridean
    When money is a problem it does tend to dominate our thoughts rather, doesn't it!

    I totally identify with the dodgy memory thing too - I'm another sufferer on that front. One thing I've found has really helped is using a notebook, similar principle to the "Bullet Journal" idea but mine doesn't follow the rules, exactly...means I keep everything in one place and really helps to job my mind about stuff I should be doing. (it's not exactly 100% foolproof - I WAS putting my Dad's birthday card through the door at 8am today... but it definitely helps)
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£232.22
    • Naomim
    • By Naomim 16th Mar 17, 1:12 PM
    • 1,148 Posts
    • 2,631 Thanks
    Naomim
    When money is a problem it does tend to dominate our thoughts rather, doesn't it!

    I totally identify with the dodgy memory thing too - I'm another sufferer on that front. One thing I've found has really helped is using a notebook, similar principle to the "Bullet Journal" idea but mine doesn't follow the rules, exactly...means I keep everything in one place and really helps to job my mind about stuff I should be doing. (it's not exactly 100% foolproof - I WAS putting my Dad's birthday card through the door at 8am today... but it definitely helps)
    Originally posted by EssexHebridean
    If it's not money then it's job hunting I'm thinking about. There's no room for anything else. I find using the notes section on my phone helps. I can add photos & make lists, even cross things off as they are done. If only I could remember where I put the phone!

    Naomi
    CC's Nov16 £18,609.97 / Feb17 £19222.48 Overdraft Nov16 £2,416.88 / Feb17 £1863.48
    £2 savings club #26 £48 NSD'S Feb17 2/8
    Here's my diary: A Ditherer's Diary Again
    • Naomim
    • By Naomim 20th Mar 17, 12:15 PM
    • 1,148 Posts
    • 2,631 Thanks
    Naomim
    I had a bad weekend. I'm feeling stressed and do what I normally do, stuck my head in the sand and spent money. In the grand scheme of things, it wasn't much but I just don't have it to spend. A couple of t-shirts for the kids, a couple of coffee's whilst out and about, a pokemon trading game for 7year old and some trousers for me to wear to job interviews coming up. (I work in a relaxed office where jeans and t-shirts are the norm)

    I probably spent about £60 or so but I'm so annoyed with myself for doing it.
    CC's Nov16 £18,609.97 / Feb17 £19222.48 Overdraft Nov16 £2,416.88 / Feb17 £1863.48
    £2 savings club #26 £48 NSD'S Feb17 2/8
    Here's my diary: A Ditherer's Diary Again
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