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  • FIRST POST
    • Suffolk lass
    • By Suffolk lass 28th Jan 17, 12:18 PM
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    Suffolk lass
    Get a grip woman!
    • #1
    • 28th Jan 17, 12:18 PM
    Get a grip woman! 28th Jan 17 at 12:18 PM
    Having been reading a number of people's debt-free wannabe diaries for some time now, I have finally decided I will start my own.

    We are less than three years from wanting to stop work, and less than ten years from state retirement age. I manage our household finances and DH lets me get on with it. His attitude is more "live for today" so we are a good balance, I think. We have two holidays each year and sometimes more - and he has some boys toys - 2 Harley Davidson motorcycles in the garage, that seem to always need money spending on them. That said, there is more to be said in favour of a happy and contented DH than against them so I don't resent them in any way.

    So to debts - It seems a good time because I have recently finished the finance on my car, and as of yesterday, paid off the finance for DS's car (I borrowed from him 18 months ago and paid back by buying his car on finance and paying his insurance). I was paying 4.7% on that debt so it was my highest priority. I paid it off 10 months early using most of my HSBC Regular Saver that matured this week.

    The debts I have currently are:

    £110,621 - Mortgage - interest rate of 0.74% (0.5 above the BoEBR)
    £3,476 - DH's car - 0% credit card until Sept 17 - a £4000 cash advance with a £76 fee
    £8,755.54 - Barclays Finance for double glazing 0% over 2 years 2/24 paid

    Total £122,852.54

    It isn't that I can't afford to keep up payments, it is more that I want us to start our non-work phase without them hanging over us, if you know what I mean.

    I think that will do for a scene setter.

    SL
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
Page 7
    • Treadingonplaymobil
    • By Treadingonplaymobil 8th Jun 17, 5:04 AM
    • 846 Posts
    • 7,051 Thanks
    Treadingonplaymobil
    How exciting re the pics and viewing!
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • trix-a-belle
    • By trix-a-belle 9th Jun 17, 10:14 AM
    • 720 Posts
    • 3,113 Thanks
    trix-a-belle
    Well that's it - the agent came round and took all the pics today and will email me the words as soon as he's written them up. We might have a viewing on Friday (OMG! panic, panic, the stuff stashed in places it didn't ought to be!) It will have to wait until tomorrow. I am shattered tonight after completely blitzing the whole house today. Thank goodness I worked a 15 hour day Tuesday. Absolutely no guilt about doing very little for work today.
    Originally posted by Suffolk lass
    fingers crossed for you today SL if it is going ahead. remember the dishwasher and under the beds with a blanket over the bed are your friend. also if needs be just chuck stuff in the back of the car while they are there.
    i've got a 2nd viewing on mine tomorrow so yay more cleaning but am going to see another one myself today just round the corner from the one i had already fallen for just to keep my options open
    - Mortgage: £ 53000 0! Mortgage Free!
    - Student Loan: £ 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • Suffolk lass
    • By Suffolk lass 9th Jun 17, 10:29 AM
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    Suffolk lass
    fingers crossed for you today SL if it is going ahead. remember the dishwasher and under the beds with a blanket over the bed are your friend. also if needs be just chuck stuff in the back of the car while they are there.
    i've got a 2nd viewing on mine tomorrow so yay more cleaning but am going to see another one myself today just round the corner from the one i had already fallen for just to keep my options open
    Originally posted by trix-a-belle
    We did that before buying our current place - we went to see another four - just to make sure this was it - and it was - and we still love it here. Haha, the car is full of boxes at this moment as I have other things to sort today (helping with a drinks party for 65 with canapes tonight!)

    The new place just offers an option for us to develop a property from the ground up and to build a second residential annexe for our Son. And there is no through traffic to speak of because it is a green lane that is metalled up to the property and then an unmade byway beyond that.

    That sort of back of beyond thing really appeals but in reality there need to be enough vehicles for the road to stay clear. There should be five if all the plots with redundant cattle sheds on get developed into single dwellings. I've made an appointment to see the Heritage Team in the local planning department and take what we have so far so they can advise before we put in a planning application (unlikely to do that until we have completed on the purchase, IF all goes ahead).
    Last edited by Suffolk lass; 09-06-2017 at 11:08 AM. Reason: Correcting my typos!
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • trix-a-belle
    • By trix-a-belle 9th Jun 17, 3:06 PM
    • 720 Posts
    • 3,113 Thanks
    trix-a-belle
    We did that before buying our current place - we went to see another four - just to make sure this was it - and it was - and we still love it here. Haha, the car is full of boxes at this moment as I have other things to sort today (helping with a drinks party for 65 with canapes tonight!)

    The new place just offers an option for us to develop a property from the ground up and to build a second residential annexe for our Son. And there is no through traffic to speak of because it is a green lane that is metalled up to the property and then an unmade byway beyond that.

    That sort of back of beyond thing really appeals but in reality there need to be enough vehicles for the road to stay clear. There should be five if all the plots with redundant cattle sheds on get developed into single dwellings. I've made an appointment to see the Heritage Team in the local planning department and take what we have so far so they can advise before we put in a planning application (unlikely to do that until we have completed on the purchase, IF all goes ahead).
    Originally posted by Suffolk lass
    oooohh do you want a neighbour? that sounds lovely. my mind keeps going back to doing something purpose built or a full renovation but i don't think my funds quite stack up for it.

    This mornings one was nice, opportunity to put your own stamp on it as it needs most everything except the kitchen eventually doing & flexible options for me for a workshop but I didn't feel the tug as much and its bigger than is logical
    - Mortgage: £ 53000 0! Mortgage Free!
    - Student Loan: £ 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • Suffolk lass
    • By Suffolk lass 9th Jun 17, 3:48 PM
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    Suffolk lass
    oooohh do you want a neighbour? that sounds lovely. my mind keeps going back to doing something purpose built or a full renovation but i don't think my funds quite stack up for it.
    Originally posted by trix-a-belle
    Well the cheapest plot is under offer for £150,000 with a third of an acre and no planning consent yet but permissible development of 1300sq feet (that means a 1.5 storey 3 bed house to be built and the old metal framed barn removed or adapted) and the cattle shed with the smallest plot asking £225,000 and the largest cattle shed (half an acre) for £350,000. The report talks about converting but it actually means remove the building and build on the concrete pad.
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 16th Jun 17, 8:01 AM
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    Suffolk lass
    Well, we are up on the online house sale sites as of Wednesday. I was working away for the last two days so left the agent with a key. Pleased to say they organised two viewings yesterday. I need to ask for candid feedback today.

    My diet has been terrible for two days and I feel sluggish and achy today. I think I will fast until this evening to see if I feel better. Lots of tea, coffee and water though!

    It is dilemma time. I can see my CC is over £1k next month (second month running). Do I let my cash balance in my C/A sit there, or move it to the savings emergency fund, or pay a lump off the mortgage?

    I will ponder. I do like the idea of paying a lump off the mortgage but with the prospect of moving I have a survey and solicitors to find money for too. There again, I am way behind my ambitious target in the MFiT Take 4 challenge. And I need the extra £2k in the emergency savings pot to pay off the 0% CC in two months time and I am about £1500 short as of today. And I am also slightly behind where I should be on my annual savings challenge target (should be at £5,500 by the end of June).
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 16th Jun 17, 12:17 PM
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    Suffolk lass
    Compromised on savings and moved my expenses from one account and tidied down to the nearest hundred on the other. That means I will be the right side (just a smidge over 50%) of our savings target for this year by the end of June.

    I am pleased with this as it builds a bit of contingency in for some of the expensive things we have to look forward to.

    Just had a call for another viewing tomorrow morning. Right, that means I need to get a wiggle on now!
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 21st Jun 17, 10:10 AM
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    Suffolk lass
    House update
    On Saturday we had a third viewing. I was in the midst of preparation for an afternoon tea and early evening meal I was providing for a dozen friends. It seemed to go well. The people were very positive.

    Yesterday they asked for a second viewing to check out the bedroom sizes. The feedback is that it works for them and they love it. Their house is not on the market (yet) so no offer (yet?).

    I am off to talk to the planners today, to see if our hopes for the prospective new house are acceptable to them.
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 28th Jun 17, 9:57 AM
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    Suffolk lass
    Gosh, it's been ages since I checked in on here. Well I have used the little surplus in the CA to pay for the villa we are renting, having pulled back the rest via a lump from our cash pot account to make up the difference.

    It seems every time I get tantalisingly close to paying a lump off the mortgage, something else crops up that is more immediate and pressing. So this month it was a hedge trimmer. It seems DH made a false economy when he bought a generic petrol trimmer a few years ago (probably 12-13, thinking about it, as that is when we moved here).

    It is the sort of thing that I expect to last a lifetime. Clearly not. It would not start and the weekend was haemorrhaging away while he fiddled, trying to get it started. So I thought bu**er it, lets buy another one (we have a second, smaller mower that has been a great fill in, using this approach). Off we went with a device in mind for £175 (battery pack operated). Long discussions with the salesman at the agricultural merchants and yes, they make the best ones for domestic premises, but the price excludes battery and charger (!) - it's a different world in farming - no, he didn't want to sell it to us because the 80v battery is being discontinued in the northern hemisphere, so he felt more comfortable selling us the 82v replacement (closer to £575 ) - I'm sure he would have been happier selling me that one. And then there were the Stihl petrol devices... Good grief. (I seem to like that expression ). An hour later I insisted he sold me the one I went in for, with the display battery and charger. Got a bit of a haggle in and got it for a smidge over £300, because there was VAT to add too (!). Well it had better last a lifetime, after all that! We just need to discharge and change the battery regularly, and maybe ship a spare battery pack back from Australia when we visit the nephew to make sure it goes on and on.

    DH spent a happy Saturday afternoon decimating the hedges and most of Sunday morning picking up the bits, oh and most of Monday morning digging out the thorns. My word we have some prickly things!

    I'll do a proper update at the end of the month, and I'm going to look at possible targets for July. We have a few social things and a weekend away planned but they are budgeted for. I just need to remember we don't need to buy food for when we are away!
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Karmacat
    • By Karmacat 28th Jun 17, 10:16 AM
    • 27,561 Posts
    • 149,968 Thanks
    Karmacat
    Oh my! At that kind of cost, we'd like to *think* it would last a lifetime ... here's hoping!

    Hedges are so important, aren't they! I have just a few feet to go on mine till they're all caught up from the neglect of 6 years or so, then its once a year forever

    Looking forward to reading your July targets.
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 6th Jul 17, 11:17 PM
    • 1,402 Posts
    • 16,428 Thanks
    Suffolk lass
    End of June update (a bit late)
    DEBTS

    £110,621 £104,663.39 (£5,957.61 paid so far) - Mortgage
    £3,476 £2,476 (£100)- DH's car (payment on 22nd)
    £8,755.54 £6,367.68 (£2,387.86) - Barclays Finance for double glazing

    Total £122,852.54 £113,507.07 - that is £9,345.47 or 9.23% paid off so far.


    SAVINGS
    £10,914.14 (aiming for £10,000+£2000) Emergency fund today - realised I need £12,000 to clear the 0% CC in September so carrying on.
    £12,420.20 S&S ISA with Fidelity International (original £10,000 4 years ago, no further capital added)
    £5,910.25 DH's S&S ISA with Charles Stanley Direct
    £3,131.75 2 year Bond with Skipton BS @ 4% Finishes in early 2018
    £10,947.52 7 year bond with Skipton BS - matures Oct 20
    £38,630.43 £42,776.43 Total actual cashable savings

    Shortfall -£70,730.64 (all debts)

    It's been hectic. Three viewings of this house plus a second viewing. They were very keen but have cancelled our agent going to their house to get the details up for sale and are not returning calls. I wish people had the balls to say "we've had second thoughts" or whatever, rather than discourteously going quiet.

    I've also been in Scotland with my Mum (who is convalescing after some pretty major surgery) for a week so have returned home today and beginning to catch up. I have to go and meet with a planner tomorrow at 3,30pm. I haven't had the promised email confirmation so I think I will ring and check as it's a 17 mile each way journey to their offices.

    On the good side, I had more than half the money I needed in my current account to pay for the Villa we are renting in August, and the rest came out of the savings I had Tilly-tidied in June so no major raid on the savings this month. I must book my car in for its annual service (paid for five when I bought it).

    On the bad side - despite having all the fruit and veg we need in the garden (courgette anyone?!)I still managed to overspend the grocery budget in June. Not good! I also did not round the mortgage down to the next thousand because of the Villa needing to be paid for.

    I will try to post more regular updates this month. We are not mentioning my diet. After a week at Mum's I may need to fast for several days!!!
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Karmacat
    • By Karmacat 7th Jul 17, 11:24 AM
    • 27,561 Posts
    • 149,968 Thanks
    Karmacat
    Awww! I'll be your mum was glad to have you there after her surgery.

    Everything's going in the right direction, it looks like - great that you've got the villa to look forward to as well
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 11th Jul 17, 1:46 PM
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    • 16,428 Thanks
    Suffolk lass
    So much for posting more regularly. I have a tooth abscess at the moment. A root canal repair has failed and there is nothing else for it but painkillers and antibiotics. It's too sore to even remove. I have been referred to a root canal repair specialist (oh my, who knew?!). My appointment isn't until 24th August and that will be £75 please Madam. Just to look and discuss. It may still need to be removed if he can't repair it (a repair is likely to be iro £500). This comes as quite a shock as I have always been with my lovely NHS dentist but we both agree that saving the tooth is better in the long-term than removing it. Except for my wallet.
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 12th Jul 17, 9:53 AM
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    Suffolk lass
    Right, enough whinging about my tooth. I do find it frustrating at this time of the month. Most payments have gone and all the tidying of totals has been done and there is this great aching chasm between 12th and 26th (my husband's pay-day).

    I do like nice round numbers so both current accounts end in 0.00. My attempt with the mortgage never quite works because as soon as the monthly regular payment goes through, and the balance shows, I try to round it to the next £500 or £1000. When it updates the balance it recalculates the interest and this month it is 17p difference - so my balance shows as £103,999.83, instead of the £104,000.00 I had aimed for. I mustn't complain, it is less. It's just that urge for a nice round number...
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 12th Jul 17, 10:09 AM
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    • 16,428 Thanks
    Suffolk lass
    Hmm. Just checked both our Barclaycard accounts. Mine (which has the balance transfer deal) says the deal runs until 1st October (as it always has) but now it has an "event" that says that the interest free period runs out on the first of September. I have sent them a secure message asking them to clarify what the first date is that will attract interest. It feels like they have taken back an interest-free month from the deal.
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 14th Jul 17, 12:32 PM
    • 1,402 Posts
    • 16,428 Thanks
    Suffolk lass
    Hmm. Just checked both our Barclaycard accounts. Mine (which has the balance transfer deal) says the deal runs until 1st October (as it always has) but now it has an "event" that says that the interest free period runs out on the first of September. I have sent them a secure message asking them to clarify what the first date is that will attract interest. It feels like they have taken back an interest-free month from the deal.
    Originally posted by Suffolk lass
    Oh dear,

    I took the time to read back through my statements and in the one where the money was credited, it does say it runs out on 1st September. I need to do a bit of pot moving... I refuse to pay interest on it.
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Hiddenidenity
    • By Hiddenidenity 14th Jul 17, 12:34 PM
    • 4,391 Posts
    • 17,831 Thanks
    Hiddenidenity
    Good job you realised before it was too late though

    Have a lovely weekend x
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £48.65 Cash + £60 Amazon
    • Suffolk lass
    • By Suffolk lass 15th Jul 17, 8:51 AM
    • 1,402 Posts
    • 16,428 Thanks
    Suffolk lass
    Good job you realised before it was too late though

    Have a lovely weekend x
    Originally posted by Hiddenidenity
    Thanks Hidden, I know from your thread that you can always put a positive spin on things. As you say, I realised early and I have been planning for it, so it could be worse.

    Have a lovely weekend too x
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 15th Jul 17, 10:25 AM
    • 1,402 Posts
    • 16,428 Thanks
    Suffolk lass
    I've just had a bit of a read around the debt diaries of other people I subscribe to and there is a general malaise of summer mood - progress too slow, income too low, emergency pressures, and everyone is so active, generating other bits of income.

    I think I need to be more positive.

    My house hasn't had any viewings for three weeks after the initial flurry of three. Maybe we are destined to stay here and not move. We do love it here and since the For Sale board was put up, five people have said how sad they will be to see us leave. Nobody says how much they like or appreciate you until you are on the verge of leaving and suddenly they tell you. I suddenly feel valued rather than taken for granted.

    I haven't lost any weight this month but I did eat loads of chocolate at my Mum's house while up with her for a week and the good thing is, I didn't put any on either and now I seem to have reduced by 2 sizes (I have lots of clothes in the smaller size!).

    My declutter seems to have ground to a standstill but that is because I am out in the garden, weeding, watering and harvesting. We have enough of our own veg now to not buy any.

    We have loads of homegrown potatoes in the fridge outside and onions drying (enough for the winter) - I must make pickled onions this weekend. I will need to finish weeding the onion bed but then I have a water melon and galia melon in pots that could go there, or we could plant more carrots, spinach and peas for August.

    Money, as discussed, the £2,476 credit card bill needs to be cleared by the end of August, not September. I have the July payment and August payment going automatically but the remaining £2,076 will be a raid on the emergency pot - I did decide to go above the planned emergency fund ceiling so there is currently £1,400+ in there. I think I am about £350 short of where I wanted to be but I can lend this back to myself.

    Our Son's housemate has left without telling us. He has paid until the middle of August plus a month's deposit so it could be worse. If he does not tell us he won't get his deposit back. This leaves us with approximately a £200 shortfall per month. If necessary I will pay this instead of the balance transfer credit card payments I have been paying so I know it is manageable. It does mean my mortgage won't be hitting my pay-down target though.

    That has really helped me to unpack that lot. Just my "elephant in the room issues" to think through now - two big things I don't want to talk about yet
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • UncannyScot
    • By UncannyScot 15th Jul 17, 11:16 AM
    • 487 Posts
    • 2,091 Thanks
    UncannyScot
    Hi Suffolk lass
    It's always good to unpack your head and get it all down somewhere and even better when you can do so on here where like minded folks can pop on to support and help.
    Sounds like you are not doing to badly really so don't beat yourself up over things.
    Hope that having put stuff down now you are able to see what you can do about things.
    (((((HUGS)))))
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
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