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  • FIRST POST
    • Treadingonplaymobil
    • By Treadingonplaymobil 12th Feb 17, 9:56 AM
    • 1,063Posts
    • 10,085Thanks
    Treadingonplaymobil
    £67,031.92 is a frightening number indeed....
    • #1
    • 12th Feb 17, 9:56 AM
    £67,031.92 is a frightening number indeed.... 12th Feb 17 at 9:56 AM
    £67,031.92. Seriously. £67,031.92. That is a SCARY number. I can't believe our debt has peaked (and it is the peak, I am determined) at this level.

    Our light bulb moment actually happened a few months back, but it's taken since then of wrangling utilities and carefully watching out income/outgoings (using You Need a Budget) to really figure out where we were overspending and how the monthly shortfall of anything from £200-£1,000+ was happening.

    We have literally nothing to show for this debt, it's just crept up over the past 8 years or so, and has always been at manageable levels, but back in October we realised we were spending more on credit cards each month than we were paying off.

    We committed that cardinal sin of taking out a consolidation loan, but alongside it we looked really carefully at our spending over the next couple of months, budgeted realistically for what we spend and have (I think) picked off all the easy 'low hanging fruit' of budget cuts and really identified why we were overspending.

    The main reason for the debt is, erm, me. Not that I'm the biggest spender (neither of us are amazing), but because I am self employed with a hugely variable income and basically worked out our budgets on the basis I would always earn my 'best' month's income. Which was, with hindsight, maybe a TINY bit deluded.

    The aim of this diary is to keep us on track with actually reducing our debt every single month, not doing it in a three steps forward, two (or four) steps back sort of way. Having sat down and put our numbers into the whatsthecost site, it appears that we are looking at 7 years and 1 month of repayments to clear the debt (and that's assuming we can get rid of the shortfall showing below). I REALLY want to reduce this term as that just seems bonkers.

    SOA below, with a couple of explanatory notes.

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 3
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 250 (variable, but this is the minimum I have earned in any month in the last 5 years)
    Partners monthly income after tax....... 2711.86
    Benefits................................ 192
    Other income............................ 0
    Total monthly income.................... 3153.86


    Monthly Expense Details

    Mortgage................................ 698
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 174 (including overpayment for a period when we messed up during a house move 18 months ago and didn't restart the direct debit for the new property. Will drop by a little under £50 after either March or April, can't remember which)
    Electricity............................. 52 (gas and electricity are one combined DD, I haven't checked the exact split but the total is £104)
    Gas..................................... 52
    Oil..................................... 0
    Water rates............................. 104 (also including a debt from previous property, but I think this will be included for another 6 months or so. I'm not sure what our actual usage is)
    Telephone (land line)................... 18.5 (includes internet)
    Mobile phone............................ 85 (£45 for my contract, which I use for work as well, £40 for DH)
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 0
    Internet Services....................... 0 (included in landline cost)
    Groceries etc. ......................... 520 (Includes £40 for one lot of school lunches. I am REALLY struggling to reduce this, but feel I could and should be able to!)
    Clothing................................ 100 (growing children, plus see notes below re clothes)
    Petrol/diesel........................... 225 (90% DH commuting costs)
    Road tax................................ 16.27
    Car Insurance........................... 25.22
    Car maintenance (including MOT)......... 30
    Car parking............................. 0
    Other travel............................ 50
    Childcare/nursery....................... 70 (this will disappear in April as child 3 gets free 15 hours)
    Other child related expenses............ 81.85 (music/swimming lessons x2, cubs and beavers, National Trust membership as they love visiting them)
    Medical (prescriptions, dentist etc).... 5
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 27.07
    Contents insurance...................... 0
    Life assurance ......................... 16.26
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 90
    Haircuts................................ 20
    Entertainment........................... 135
    Holiday................................. 75
    Emergency fund.......................... 25
    Total monthly expenses.................. 2707.29



    Assets

    Cash.................................... 0
    House value (Gross)..................... 210000
    Shares and bonds........................ 0
    Car(s).................................. 800
    Other assets............................ 0
    Total Assets............................ 210800



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 173733...(698)......3.14
    Total secured & HP debts...... 173733....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Barclaycard....................6880.21...156...... .0
    MBNA...........................9614.71...98....... .0
    Parental loan..................20000.....0.........0 (see notes below)
    Tesco loan.....................21000.....377.......10
    Total unsecured debts..........57494.92..631.......-



    Monthly Budget Summary

    Total monthly income.................... 3,153.86
    Expenses (including HP & secured debts). 2,707.29
    Available for debt repayments........... 446.57
    Monthly UNsecured debt repayments....... 631
    Amount short for making debt repayments. -184.43


    Personal Balance Sheet Summary
    Total assets (things you own)........... 210,800
    Total HP & Secured debt................. -173,733
    Total Unsecured debt.................... -57,494.92
    Net Assets.............................. -20,427.92


    Created using the SOA calculator at stoozing.
    Reproduced on Moneysavingexpert with permission, using other browser.


    Regarding the (relatively) high clothes expense, it is a combination of 3 growing children (8, 6 and 3), plus the fact that my job is in the fashion industry, and as a self employed person I need to have the right sort of 'look' in order to get work (think along the lines of a self employed personal shopper - people need to see you looking good in order to book with you).

    The parental loan was for a house deposit. The parent in question has no idea about our debts. She is not desperate for the money back and isn't charging us interest, but has asked us to save £150-200 every month into a savings account and then once we've saved a decent sum to either repay them or 'reborrow' it for work on the house (basically they want us to be able to make repayments if they suddenly need the extra income, but meanwhile are happy for us to benefit from it. I am not saving the money while our debt payments are so high - we are hoping to have paid enough off that if the parent ever needs it that we can reborrow it and pay them back). This isn't great, but realistically I think the best solutions is to treat it as the lowest priority for snowballing - once we have paid back the other debts we will throw the entire £630+ at this debt.

    So, there is a freaking enormous shortfall every month, which is somewhat depressing. Most months it is covered by the fact that I earn more than my 'bare minimum', but it is those months where it isn't covered that the debt creeps up again, and I am a total disaster for going 'oh well, we've spent on the credit card, we might as well keep going' and buying more clothes or something for the house - this is probably a significant proportion of our debt problem.

    We have managed to get rid of the balance on the one credit card we were spending on, so the remaining ones are both on 0% deals (although one expires in September). I have not cut up the remaining credit card, because we don't have an emergency fund in case of eg boiler repairs, but it has not been used for all of a month, and I hope to keep it that way.

    A DMP or similar isn't really on my horizon right now - I feel like we should be able to make the cuts to make our budgets balance, and I am optimistic that as my income goes up (when I can work more as child 3 starts school) that we will be able to make overpayments.

    My plan for now is:
    1) Try to wiggle those budget numbers around enough that we don't have a shortfall any more.
    2) Make a plan for any months where I make extra - do I use it for an emergency fund, as a fund to cover future months' shortfalls, to throw money at the debt to try to reduce minimum payments in case of future 'shortfall' months?
    3) Try to make more money. Not quite sure how this will work as I am largely limited to working around DH's working hours (I work evenings and weekends and the 5hrs childcare per week we are paying for for child 3).

    Now that's all down in black and white I am feeling a combination of relieved (to be clear on the numbers) and immensely stressed (by the semi-regular £180+ shortfall).

    Onwards and downwards (for the debt, not me)!

    edited to add: the original £67,031.92 figure was based on the total figure for the Tesco loan, which included all interest payable over the entire term of the loan. I have updated the debt figure in my signature and in all posts going forward as at 4th June 2017 to reflect that actual current debt balance rather than the balance plus interest over the lifetime of the loan. This has knocked £7,911.62 off the debt figure, but means that each monthly payment will have the interest for that month deducted from it, so it won't affect the DFD if I don't make overpayments.
    Last edited by Treadingonplaymobil; 04-06-2017 at 2:58 PM.
Page 21
    • Bobarella
    • By Bobarella 13th Mar 17, 10:31 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    That's a pain about your MBNA card working that way. It's good you had the money to balance the overpayment though.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • boxofpaws
    • By boxofpaws 13th Mar 17, 10:33 PM
    • 404 Posts
    • 1,735 Thanks
    boxofpaws
    I couldnt ever do mid month payments because I could never remember which cards allowed what and got myself all tangled up. I just do one big payment to each one now, it's all my fluffy brain can handle. You are doing incredibly well!

    And thank you for the iPhone tip, I love it!
    Debt 03/01/17 = £42000
    Debt today = £31900
    • armchairexpert
    • By armchairexpert 14th Mar 17, 3:19 AM
    • 695 Posts
    • 4,438 Thanks
    armchairexpert
    Oooof, the card thing. I've had a not-dissimilar thing over at casa me, with DH trying to make payments out of an account that doesn't make third party payments and getting charged $250 in late fees from the merchant. I've also taken it out of Christmas/birthdays/spending/groceries because where else can you?

    On parties, don't know how old yours are, but I can tell you that I have done the delightful coordinated themed decorations thing with carefully curated party bags, and the "stick some Poundland bunting on the wall and call it good" thing, and mine - 8 and 5 now - do not care at ALL. As long as they get a decorated cake and there are party bags, they're good to go. If the party bag toys fall apart within days? Also fine. Last year I was time poor and ordered a Victoria sponge instead of making a cake - got them to cover it in plain white buttercream and then I stuck Smarties all over it, and the kids LOVED it. And these are kids who start poring over the Kids' Birthday Cake Cookbook approximately nine months before the big day. They do. not. care.
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    14 August 2017 - Refinanced: $220,000
    October 2017 - $216,963.86 Current MFD 31 July 2035
    • Treadingonplaymobil
    • By Treadingonplaymobil 14th Mar 17, 4:38 AM
    • 1,063 Posts
    • 10,085 Thanks
    Treadingonplaymobil
    ... these are kids who start poring over the Kids' Birthday Cake Cookbook approximately nine months before the big day. They do. not. care.
    Originally posted by armchairexpert
    This made me laugh! Thank you
    £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: £55,011.96/1st May 2025
    • Verbatim
    • By Verbatim 14th Mar 17, 7:24 AM
    • 4,513 Posts
    • 13,213 Thanks
    Verbatim
    Tried your tip with messages between iphones but mine didn't send until I lifted my finger from the send button and no speech bubble option. Thx for the tip though. I wonder what I'm doing wrong.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • Treadingonplaymobil
    • By Treadingonplaymobil 14th Mar 17, 9:35 AM
    • 1,063 Posts
    • 10,085 Thanks
    Treadingonplaymobil
    Tried your tip with messages between iphones but mine didn't send until I lifted my finger from the send button and no speech bubble option. Thx for the tip though. I wonder what I'm doing wrong.
    Originally posted by Verbatim
    Mine's an iPhone 6, and it came in with the latest software update (I think), I don't know if either of those things make a difference (although DH has a newish iPhone 5 and it works on that too). Probably only works on messages to other iPhones too, I imagine.
    £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: £55,011.96/1st May 2025
    • Treadingonplaymobil
    • By Treadingonplaymobil 14th Mar 17, 9:44 AM
    • 1,063 Posts
    • 10,085 Thanks
    Treadingonplaymobil
    Week 5: Day 3

    After yesterday's financial excitement, I'd like a very boring and ordinary day today please.

    I also have a doctor's appointment today, which I am slightly worried about (ongoing low level breast pain). Hoping they tell me I am worrying over nothing, but equally hoping they refer me for proper investigation.

    In other news, I didn't get my 10,000 steps yesterday as I forgot DH was going out so I was stuck at home after doing the food shopping. Even worse, I ate a load of sweets and some leftover pudding and now have a total sugar hangover (does anyone else get those?). Healthy day again today please.

    To do today:
    1. Bake bread again (will put the starter in the fridge for a week once this loaf is done, as I've got a couple of loaves in the freezer now!
    2. Knit socks - will take them to doc's and hopefully knit in the waiting room.
    3. Do a laundry this morning and get it out on the line - the forecast is a bit cloudy but it should still dry. Already done this!
    4. NSD (this means resisting temptation on way to doc with Child 3!).
    5. Keep on catching up with the next chunk of work/life admin.
    6. Check valued opinions for surveys.
    7. Batch cooking.
    8. Take packed lunch for doctor's for Child 3 to further avoid shopping temptation (appointment is at midday and it's a half hour walk each way, so she'll be hungry at some stage).

    To do this week:
    1. List old unloved handbag on eb@y.
    2. Order birthday presents for child 2 and child 3.
    3. Order any party supplies needed.
    4. Make more candles when oils arrive.
    5. Finish current socks and start knitting a new pair for my dad's birthday.
    6. Pay preschool bill (there should only be one more, smallish, bill after this one, then free hours kick in. Hurrah!).
    £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: £55,011.96/1st May 2025
    • armchairexpert
    • By armchairexpert 14th Mar 17, 11:32 AM
    • 695 Posts
    • 4,438 Thanks
    armchairexpert
    The preschool thing is brilliant news! After 7 years of juggling childcare bills - the worst was when they were both in 4 days a week, and I was only working/getting paid for a 3 day week spread over those 4 days so they didn't have too long a day - my youngest FINALLY started school in February this year. The difference is amazing. You'll really feel it too - I did last year when my free 4-y/old hours kicked in, although I was still paying for some wrap around care. Must feel amazing to see that particular light at the end of the tunnel!
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    14 August 2017 - Refinanced: $220,000
    October 2017 - $216,963.86 Current MFD 31 July 2035
    • mummytogirls
    • By mummytogirls 14th Mar 17, 1:03 PM
    • 5,621 Posts
    • 17,922 Thanks
    mummytogirls
    Oh no to the MBN@ overpayment , well done on moving money around to cover it though.

    Hope all goes well at the appointment today x
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Treadingonplaymobil
    • By Treadingonplaymobil 14th Mar 17, 3:53 PM
    • 1,063 Posts
    • 10,085 Thanks
    Treadingonplaymobil
    Appointment was fairly horrible TBH. Unsympathetic doctor, very brusque, informed me there was a lump, organised a referral and had me out the door within 90 seconds afterwards. Nothing like a good hand hold when you're feeling totally shocked and fearing the worst . Not had a great afternoon.
    £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: £55,011.96/1st May 2025
    • angelpye
    • By angelpye 14th Mar 17, 4:24 PM
    • 988 Posts
    • 3,710 Thanks
    angelpye
    Bless you, hugs being sent your way!
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • kirtsypoos
    • By kirtsypoos 14th Mar 17, 4:49 PM
    • 3,045 Posts
    • 13,512 Thanks
    kirtsypoos
    Appointment was fairly horrible TBH. Unsympathetic doctor, very brusque, informed me there was a lump, organised a referral and had me out the door within 90 seconds afterwards. Nothing like a good hand hold when you're feeling totally shocked and fearing the worst . Not had a great afternoon.
    Originally posted by Treadingonplaymobil
    Hope you feel a bit brighter soon TOPM - hopefully your referral doesn't take too long to come through and your mind is eased by someone with a better bedside manner!
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • JoJoC
    • By JoJoC 14th Mar 17, 4:50 PM
    • 1,241 Posts
    • 4,012 Thanks
    JoJoC
    Sorry to hear about your unsympathetic doctor... at least you're being referred which will hopefully give you some peace of mind (and a doc with a better bedside manner, i hope!).

    In the mean time, try not to think about it too much. I know that I'm guilty of letting my mind run away with me, so hope you can contain that.
    CC1: £3804.52 / £3704.32 £100.20 paid | CC2:£5027.53 / £4927.48 £100.05 paid | Loan: £15,000 / £13,932.24 (£1067.76 paid)

    July debt total: £23,832.05 | New debt total: £22,564.04 | Total debt paid: £1,268.01 (5.3%)
    *My debt busting and savings diary*
    • motivated
    • By motivated 14th Mar 17, 6:41 PM
    • 2,273 Posts
    • 3,391 Thanks
    motivated
    Appointment was fairly horrible TBH. Unsympathetic doctor, very brusque, informed me there was a lump, organised a referral and had me out the door within 90 seconds afterwards. Nothing like a good hand hold when you're feeling totally shocked and fearing the worst . Not had a great afternoon.
    Originally posted by Treadingonplaymobil
    So sorry you've had a rubbish day TOPM. If it's any consolation I had this a few years back. Very similar situation with GP. Although I had an appointment at the hospital very quickly. Lots of pulling and prodding it turned out I had a blocked milk duct that had become infected. Nothing sinister found.

    Hopefully they will see you quickly and put your mind at rest
    M
    I have arrived in DMP land and I like it, I may stay a while
    Short term goal £735/£1796

    SPC # 91
    • Treadingonplaymobil
    • By Treadingonplaymobil 14th Mar 17, 8:19 PM
    • 1,063 Posts
    • 10,085 Thanks
    Treadingonplaymobil
    What a day. Have hardly really thought about MSE stuff. NSD, but have eaten half the children's chocolate treat stash for after swimming on Friday, so will need to replace that at some stage.

    Have also had a fairly crap day work-wise as my mind has (shockingly) not been entirely on the job.

    I'm trying to stay zen about my health, aware that there is about a 90% chance everything is fine, but it is really making me realise that when people say their debt is manageable and all the long termers on here say 'only until you have a hiccup that affects your earning potential', they really do have a point. If for any reason I am unable to work, or do childcare (so DH has a problem working), for any period, we really are up the proverbial creek without a paddle. Even more incentive to keep paying the debt down (assuming all is fine at this juncture. Please let it all be fine) as it has made me realise how incredibly vulnerable we are to earnings issues.

    To do today:
    1. Bake bread again (will put the starter in the fridge for a week once this loaf is done, as I've got a couple of loaves in the freezer now! Done. We are well stocked now.
    2. Knit socks - will take them to doc's and hopefully knit in the waiting room. Did a little more.

    3. Do a laundry this morning and get it out on the line - the forecast is a bit cloudy but it should still dry. Already done this!
    4. NSD (this means resisting temptation on way to doc with Child 3!). Done!
    5. Keep on catching up with the next chunk of work/life admin. Did a bit more, not as much as I should have.
    6. Check valued opinions for surveys. Did some earlier, meant to check again but forgot.
    7. Batch cooking. Not done.
    8. Take packed lunch for doctor's for Child 3 to further avoid shopping temptation (appointment is at midday and it's a half hour walk each way, so she'll be hungry at some stage). Done!

    To do this week:
    1. List old unloved handbag on eb@y.
    2. Order birthday presents for child 2 and child 3.
    3. Order any party supplies needed.
    4. Make more candles when oils arrive.
    5. Finish current socks and start knitting a new pair for my dad's birthday.
    6. Pay preschool bill (there should only be one more, smallish, bill after this one, then free hours kick in. Hurrah!).
    £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: £55,011.96/1st May 2025
    • Bobarella
    • By Bobarella 14th Mar 17, 9:11 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    Really sorry to read your news. I'd be scared too. A friend of mine found a lump a while back and had to go through the whole referral thing. Some how the lump disappeared on its own before the consultation happened.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Karonher
    • By Karonher 14th Mar 17, 9:56 PM
    • 425 Posts
    • 1,992 Thanks
    Karonher
    Hope the appointment comes through quickly and everything is fine. I have had 2 lumps in the past - like Bobarella's friend, one just went, the other was a sodium ball that took lots of screening shots and a mammogram to come to a conclusion. Lots of lumps are annoying things sent to worry us.
    Getting ready for Christmas 2017

    Aiming to make £4,500 online in 2017.
    • armchairexpert
    • By armchairexpert 14th Mar 17, 11:56 PM
    • 695 Posts
    • 4,438 Thanks
    armchairexpert
    Thinking very unlumpy thoughts for you, TOP.
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    14 August 2017 - Refinanced: $220,000
    October 2017 - $216,963.86 Current MFD 31 July 2035
    • Treadingonplaymobil
    • By Treadingonplaymobil 15th Mar 17, 4:44 AM
    • 1,063 Posts
    • 10,085 Thanks
    Treadingonplaymobil
    Thanks for all the supportive words everyone. I'm trying to remind myself of the stats (90% chance everything will prove to be fine at the breast clinic) and stop getting my knickers in a twist. Hope the clinic date comes through today though - they said I'd get a call within two days yesterday lunchtime. Besides, it's not like the NHS is totally overstretched or anything, right?
    £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: £55,011.96/1st May 2025
    • chevalier
    • By chevalier 15th Mar 17, 5:09 AM
    • 7,745 Posts
    • 17,998 Thanks
    chevalier
    if he really was that bad i would complain to your practice manager. but still hope all is ok for you
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
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