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  • FIRST POST
    • Hillwalker17
    • By Hillwalker17 6th Mar 17, 6:38 PM
    • 59Posts
    • 127Thanks
    Hillwalker17
    Compulsive borrower to compulsive saver?
    • #1
    • 6th Mar 17, 6:38 PM
    Compulsive borrower to compulsive saver? 6th Mar 17 at 6:38 PM
    Hello MSE

    I've been a visitor to this website for many years, but I've never signed up or posted. I'm hoping to turn my financial mess of a life around and I'm hoping this diary will help

    I'm in my mid 20's, live with my partner is her house (she bought it because I had no money ) and I work in a decent job for about £2k a month.

    My financial situation is a bit of a mess due to having past gambling issues (still not over) and spending stupid money on expensive cars/s. I've had numerous loans and credit cards over the years and have struggled financially the past 2 years paying everything off.

    I have 3 loans and a credit card. I was on track to have they paid off by the end of the year, but circumstances have slightly changed and I just can't do it. I have applied for a £10k loan over 2 years so give myself some breathing space.

    This £10k loan will pay off the 3 other loans and the credit card. I think the totals are about

    Loan 1 - £3.6k
    Loan 2 - £3.4k
    Loan 3 - £1.2k
    Credit Card £1.4k

    I've signed the documentation for the loan and hopefully the money should be in my account later this week.

    My aims this week are to

    1) Find out the exact balances of each loan and see how much of the £10k I will have left
    2) Pay off the old loans and credit card with the new loan money
    3) Build up an emergency £500 fund (cash so I can't gamble it away).
    4) Sort out my online gambling issue (I've relapsed recently ).

    I've done ok for 2 years with both the money aspect and no gambling however 2017 has seen me place a few bets and loose quite a bit of money. This was me being stupid and careless. I will sort this out by reading again (hobby) and making sure I do other things when i'm bored.

    I've seen people post an statement of their income/outgoings. I will do this once this weeks tasks have been completed and it will hopefully put me back in the green with my monthly accounts

    Oh yes, I forgot to mention, I have no savings either

    All the best

    HW17
Page 4
    • Hillwalker17
    • By Hillwalker17 18th Apr 17, 8:56 PM
    • 59 Posts
    • 127 Thanks
    Hillwalker17
    Hi Everyone. Today marks 34 days

    The Mrs and I signed up for new broadband a few weeks ago but now were in dispute with them about the price. We thought we got it for £25.99 but the discount was not applied and they are charging us £40.99. I'm expecting a fight on the phone tomorrow when they call me.

    Anyway, no spends over the last few days thankfully. Still got that £20 ish in bank 2 which has to last me. At least it will be nearer to payday once this week has passed. Work have arranged a day out in the pub next Saturday, but that's when i'm away so i'm glad as it would have cost me even more money.

    I checked bank 1 and loan 2 came out at £285, leaving me with £745. I only have car insurance left to come out now which is good.

    I'm feeling tired after a hard day in the office. I'm away to read the final few chapters in my book before bed.

    I hope everyone is well

    HW17
    Ex Gambling Addict - Last bet made on 15/03/2017 - 29 Days
    Slowly building an emergency fund - £1000/£6000
    • carbootcrazy
    • By carbootcrazy 18th Apr 17, 9:10 PM
    • 3,747 Posts
    • 21,033 Thanks
    carbootcrazy
    Well done, Hillwalker, for sticking at it. 34 days is brilliant


    I hope you get your broadband situation sorted. I recently switched providers from BT to Plusnet. So far so good. Cheaper and more reliable. I know Plusnet is part of BT so I'm surprised there has been such an improvement


    What are you reading at the moment? I love crime novels myself but am currently having a spell reading biographies. They have to be of people I'm really interested in, be very well-written and what I'd call a 'good read'. I've given up on no end of them in the past because although the subject was of great interest to me the book itself was as dry as dust and more like an academic tome. I like to be educated but I need to be entertained at the same time. I've recently read a great one about Dusty Springfield, whose music I've always been a big fan of. I also read a fascinating one about Madame Tussaud (of the waxworks fame). What a life she led in French Revolution days! The next in line is about John Christie (of Rillington Place fame/infamy). Really looking forward to that one. Biography and crime combined. Couldn't be better.


    I feel sorry for people who don't read. I feel bereft if I haven't a book 'on the go'. I much prefer getting lost in a book to watching TV or films.
    Last edited by carbootcrazy; 18-04-2017 at 9:18 PM.
    Make £10 A Day Challenge 2017. Jan-June: £1811.59 July: £346.57
    3-6 Months Emergency Fund Challenge #12: £1900.00/£3000. This is such hard going but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Paid : £32316. Balance: £24488
    . These figures are completely out of date, must get them organised.
    • Hillwalker17
    • By Hillwalker17 23rd Apr 17, 8:18 PM
    • 59 Posts
    • 127 Thanks
    Hillwalker17
    Hi Guys

    Still rocking and rolling - day 39.

    The BT situation isn't resolving and they are telling us that we have to pay £40 a month for the next year as its what we signed up for. Were not happy about it but i'll see how much complaining I can do..

    I just finished a crime book by Mark Billingham and I have moved on to a sports book at the moment. I intend to go back to the crime books and finish the DI Tom Thorne series as it is very good.

    I'm not really an auto biography person but I might give them a go at some point. I suppose its like anything, give it a try before you rule it out.

    Spent £4 yesterday at the local shop for some snacks for going to a friends house last night so I have less than £20 until the end of the month. As its the 24th tomorrow that's fine as payday should be next Friday.

    I'm hoping i'll get last months extra hours in this wage as I could do with buying some holiday money for when i'm away and for replacing the £40 I took out of the emergency fund.

    Hope you all managed to buy the reduced easter eggs that tesco/asda were selling

    HW17
    Ex Gambling Addict - Last bet made on 15/03/2017 - 29 Days
    Slowly building an emergency fund - £1000/£6000
    • carbootcrazy
    • By carbootcrazy 24th Apr 17, 6:55 AM
    • 3,747 Posts
    • 21,033 Thanks
    carbootcrazy
    Brilliant, Hillwalker, day 39 (well, day 40 by now)

    I keep intending to read something by Mark Billingham but never seem to find one at the charity shop


    It's biographies I like to read, not autobiographies. Real biographies tend to have had a lot of research done prior to writing (hence why some read like academic books) whereas autobiographies or memoirs tend to just be an excuse for the writers to 'big themselves up'. A bit of a sweeping statement but it's been my experience anyway so I never bother with autobiographies now.


    I'm fairly new to reading biographies as I always preferred fiction (and still do). I picked one up from a charity shop a while ago and can't recall where I put it. I never saw it again after I brought it home. It's a biography of the Scandinavian author, Stig something or other, (the one who wrote The Girl With The Dragon Tattoo etc) who died young.
    Make £10 A Day Challenge 2017. Jan-June: £1811.59 July: £346.57
    3-6 Months Emergency Fund Challenge #12: £1900.00/£3000. This is such hard going but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Paid : £32316. Balance: £24488
    . These figures are completely out of date, must get them organised.
    • Cherryfudge
    • By Cherryfudge 24th Apr 17, 8:57 AM
    • 501 Posts
    • 1,460 Thanks
    Cherryfudge
    It's a biography of the Scandinavian author, Stig something or other, (the one who wrote The Girl With The Dragon Tattoo etc) who died young.
    Originally posted by carbootcrazy
    Stieg Larrson? (I had to look her up )

    40 days is great Hillwalker. Very MS

    Sorry to hear about the BT stuff: is there any vague chance you are eligible for a cooling off period? And whatever they think you signed up for, clearly that wasn't what you thought you were getting, so surely there must be some sort of 'I clicked the wrong button' escape route? Or am I being naïve?
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • LadyP01
    • By LadyP01 24th Apr 17, 10:19 PM
    • 56 Posts
    • 154 Thanks
    LadyP01
    Hi hillwalker, just wanted to say your doing amazingly, iv been reading since the begining and then i lost you... So glad iv found your thread again and been able to catch up with your progress. Nice touch with the table i thought that was really sweet.
    • Hillwalker17
    • By Hillwalker17 25th Apr 17, 10:04 PM
    • 59 Posts
    • 127 Thanks
    Hillwalker17
    Hello everyone

    Day 41 now - getting ever so close to that big 50 days

    Life is getting busy again with work, the dog, the Mrs and trying to see friends and family in general. I feel i'm missing out on relaxing time, but they again I must be doing something right if i'm not gambling

    The Mrs and I are away this weekend on our planned trip. I will get a few last minute things on Friday which will probably cost mean close to £50. At least it payday then and it can come out of the overtime I should be getting.

    LadyP01 - Thank you for your kind words, they mean a lot. It is nice knowing that people are following for me and wishing me all the success as I hope for.

    CherryFudge - Not a thing we can do with the BT. They won't budge but hopefully when I get a minute, I'll submit a complaint to them and hopefully get something back about it. At least its coming from the joint account with the Mrs and not just my own

    Carbootcrazy - Ahhh biographies..I get your now. Again I've never read one but I might give it a try once my series is over. Nothing better than getting your head stuck into a good book! I like your comment about the autobiographies. When I see a celeb promote a new AB of theirs, I just think they need more money...Why write a book about yourself when the public know most things about you anyway.

    Talking about reading, that's me away to lie on the couch with a cuppa and read a few chapters.

    Enjoy your week folks

    HW17
    Ex Gambling Addict - Last bet made on 15/03/2017 - 29 Days
    Slowly building an emergency fund - £1000/£6000
    • Poor_Single_lady
    • By Poor_Single_lady 29th Apr 17, 10:35 PM
    • 904 Posts
    • 3,267 Thanks
    Poor_Single_lady
    so you should be on day 45 today.
    Looking forward to your updates when you get back from hol.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cherryfudge
    • By Cherryfudge 29th Apr 17, 10:57 PM
    • 501 Posts
    • 1,460 Thanks
    Cherryfudge
    CherryFudge - Not a thing we can do with the BT. They won't budge but hopefully when I get a minute, I'll submit a complaint to them and hopefully get something back about it. At least its coming from the joint account with the Mrs and not just my own
    Originally posted by Hillwalker17
    Hope you get some joy with BT... *whispers* and I'm pleased it's from the joint account

    Hope you're okay and not too snowed under.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Poor_Single_lady
    • By Poor_Single_lady 6th May 17, 11:20 PM
    • 904 Posts
    • 3,267 Thanks
    Poor_Single_lady
    How is it going Hillwalk.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Hillwalker17
    • By Hillwalker17 7th May 17, 11:00 PM
    • 59 Posts
    • 127 Thanks
    Hillwalker17
    53 days and still going strong Home Wifi broken hence my absence. Update soon!!!
    Ex Gambling Addict - Last bet made on 15/03/2017 - 29 Days
    Slowly building an emergency fund - £1000/£6000
    • Cherryfudge
    • By Cherryfudge 7th May 17, 11:16 PM
    • 501 Posts
    • 1,460 Thanks
    Cherryfudge


    53 days is wonderful - well done you!

    Sorry to hear about the wifi, I hope it gets sorted.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Hillwalker17
    • By Hillwalker17 12th May 17, 9:29 PM
    • 59 Posts
    • 127 Thanks
    Hillwalker17
    Nearly 2 weeks without WiFi - I'm raging.
    Up to day 58 now and I have absolutely no desire to gamble.
    Money situation is a bit all over the place recently since me and the Mrs had our weekend away. I've purchased a few things so I need to sit down and see how much I have in the emergency fund.
    How is everyone else?
    Ex Gambling Addict - Last bet made on 15/03/2017 - 29 Days
    Slowly building an emergency fund - £1000/£6000
    • Cherryfudge
    • By Cherryfudge 12th May 17, 10:16 PM
    • 501 Posts
    • 1,460 Thanks
    Cherryfudge
    Hello! I do feel for you without wifi - nightmare! Did you enjoy the weekend away?

    I'm okay thanks - feeling very grownup having switched energy providers, but other than that all is normal.

    You are close on 2 months now, brilliant! Be proud of yourself.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • kittycatfan
    • By kittycatfan 23rd Jun 17, 10:31 AM
    • 208 Posts
    • 596 Thanks
    kittycatfan
    Hillwalker where are you , wandered how your getting on
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