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  • FIRST POST
    • River.Bee
    • By River.Bee 2nd Apr 17, 1:09 PM
    • 76Posts
    • 241Thanks
    River.Bee
    The Beginning of the End
    • #1
    • 2nd Apr 17, 1:09 PM
    The Beginning of the End 2nd Apr 17 at 1:09 PM
    New diary, new beginnings.
    I wanted to make a fresh diary to coincide with my newly refreshed debt-busting attitude. For years this debt has been hanging over my head and I am sick to death of it now; I refuse to allow it a permanent place in my life any longer.
    It began in 2013 when I got my first credit card, working full time jobs so not being too bothered about it, and has since accumulated into £3462

    Lloyd's CC: £680 0%
    Tesco CC: £54
    Barclaycard CC: £2665 0%
    Very: £63 0%

    From reading other DFWB's diaries on here (thank you all btw for your strength, determination and advice) I've started using YNAB and even just after a week it's opened my eyes tremendously to how easy budgeting can be. So I check it every day and update it as soon as a transaction comes in or goes out. Plus, as a student, I can get a free years subscription to it after the initial 34-day free trial. So I'm definitely going to be taking advantage of that!

    After months of part-time job hunting, I've finally secured myself some employment, starting this Wednesday so this will really help me kick off my debt busting journey.

    At the moment I'm struggling with anxiety and depression which I am seeing help for, so slowly but steadily, hopefully I'll be on the mental mend soon enough.

    (Achievable) Things that will make me happy:
    1. Changing university degree
    2. Being totally debt free
    3. Moving into my new student house on July1st
    4. A considerable saving towards a mortgage deposit with my boyfriend

    I will keep referring back to this list to keep my motivation going when times (inevitably) get tough.

    Right I think that's it for my first post, going to nose around on the Debt Free Roll of Honour thread for inspiration.

    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
Page 2
    • River.Bee
    • By River.Bee 10th Apr 17, 8:27 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    I think it's so much easier when there are two of you working on a target.

    Here's a motivator for you: I googled the price of a brick and apparently you can buy one for 48p. You therefore have saved enough for 20 bricks towards your house! I suppose you might eventually want to add a roof, floors etc. but 20 bricks is actually a very solid start.

    Keep chipping away at that debt and it will shrink to nothing and be replaced by nice healthy savings!
    Originally posted by Cherryfudge

    I really laughed at that! haha
    Putting it that way, it kinda feels good. I have a very small wall of my future house already saved for
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • River.Bee
    • By River.Bee 10th Apr 17, 8:37 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Made the final payment towards my June holiday today, so I'm saving £17.10 a month from now on
    Booked it pre-lightbulb moment back in early 2016, but it only cost £396 (£198 each ) so I'm looking forward to that. A chance to get away from this house and this dismal town
    Just gotta save some spending money now, £15 so far
    Last edited by River.Bee; 10-04-2017 at 8:42 PM.
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • Cherryfudge
    • By Cherryfudge 10th Apr 17, 11:29 PM
    • 742 Posts
    • 2,550 Thanks
    Cherryfudge
    Ooh, a holiday! And all paid for. It will do wonders for you.
    • River.Bee
    • By River.Bee 12th Apr 17, 5:58 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Just a quick update. Paid £5 off my barclaycard - I like to have nice even numbers
    So at the moment its £2660. DD is going out on the 18th so then it'll be a nice even £2600

    Mum sent me over a tenner to get some food. She worries too much, I'd rather she didn't send me money cos I'm pretty sure she needs it more than I do.

    Debt right now:
    Lloyd's CC: £670
    Tesco CC: £75.40
    Barclaycard: £2660
    Very: £63

    total: £3468.40

    Nice knowing that the Tesco CC and Very will be cleared on the 24th though
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • Cherryfudge
    • By Cherryfudge 12th Apr 17, 10:28 PM
    • 742 Posts
    • 2,550 Thanks
    Cherryfudge
    Nice to see the numbers getting smaller!

    Mums will always worry, it comes with the territory. They feel better if they think they are helping.
    • River.Bee
    • By River.Bee 13th Apr 17, 12:35 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Nice to see the numbers getting smaller!

    Mums will always worry, it comes with the territory. They feel better if they think they are helping.
    Originally posted by Cherryfudge
    Haha yeah I guess so
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • River.Bee
    • By River.Bee 18th Apr 17, 12:35 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Afternoon all. I hope everyone had a good Easter filled with lots of chocolate!
    £60 DD paid of Barclaycard today
    I'm heading into town today to:
    1. Replace the broken iron (insured for 3 years when I bought it )
    2. Deposit coin bags in the bank from my spare change jar - £8
    3. Buy a plain black top from Primark for my trial shift next week
    4. Buy cheap chocolate gifts for the three birthdays coming up

    The iron was only around £3-£4 Argos basic range. Got 3 years accidental insurance for it for only a pound! So glad I did because I dropped it a few months ago and things have snapped off. It was still working but now it leaks everywhere, so gotta go replace it.

    Spare change jar consists of only coppers and 5p's but £8 is better than no pounds
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • River.Bee
    • By River.Bee 19th Apr 17, 1:33 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    The trip to town yesterday had good surprises and a bad one. Turns out the Argos store has closed down and the nearest one now is a couple of miles in the opposite direction so gonna have to plan a trip there soon to replace the iron
    I had an extra bag of pennies so I deposited £9 instead of £8
    Got some much needed hair stuff for half the price at the till which was a good surprise
    Got chocolate for the birthday presents from poundland so it only cost £3 for them. Feel kinda bad as they're more like token gifts rather than thoughful ones, but I can't afford anything more expensive
    And £50 from topcashback finally was made payable so I've requested that, woop!

    5 days till student finance
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • Bobarella
    • By Bobarella 20th Apr 17, 8:08 AM
    • 10,476 Posts
    • 69,547 Thanks
    Bobarella
    It's still nice of you to buy presents for others. Doesn't matter the cost
    " 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
    • River.Bee
    • By River.Bee 21st Apr 17, 10:19 AM
    • 76 Posts
    • 241 Thanks
    River.Bee
    It's still nice of you to buy presents for others. Doesn't matter the cost
    Originally posted by Bobarella
    Yeah I guess so. I would be quite happy if someone just gave me chocolate as a present anyway haha
    I'm gonna make mum some cupcakes for her birthday cake too. She wants to go camping for a night so cupcakes would be easier to bring and eat. So hopefully she'll be happy with them + the chocolate + the small gift leftover from christmas
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • River.Bee
    • By River.Bee 22nd Apr 17, 9:53 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Just made two dozen cupcakes and iced them. Presents wrapped and cards written. Washing done. Suitcase packed. Done all the things I needed to get ready for camping on Monday. *phew*
    Although I've been hearing that the good old British weather is deciding to go to freezing temperatures and even snow on Monday

    Yesterday I got paid £11.25 for the hour and a half training for my new job I did a few weeks ago. And also the £50 cashback has cleared in my bank Updated YNAB and gave myself a little leeway on 'dining out' and 'fun money' for this camping trip. Getting paid student finance on Monday AT LAST!! I can't be doing with this getting paid just 3 times a year malarky. Can't wait to get my shifts from work, fingers crossed they want me to start this semester instead of September.
    Last edited by River.Bee; 22-04-2017 at 10:04 PM.
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • River.Bee
    • By River.Bee 25th Apr 17, 8:46 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Payday yesterday
    Paid Tesco CC and Very in FULL so they now stand at a big, fat zero

    Total debt as of today:
    Barclaycard - £2600
    Lloyd's CC - £670

    total: £3270 - 6.18% paid off since 27th March

    Softly slowly catchy monkey ...
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • Cherryfudge
    • By Cherryfudge 25th Apr 17, 9:10 PM
    • 742 Posts
    • 2,550 Thanks
    Cherryfudge
    Payday yesterday
    Paid Tesco CC and Very in FULL so they now stand at a big, fat zero

    Total debt as of today:
    Barclaycard - £2600
    Lloyd's CC - £670

    total: £3270 - 6.18% paid off since 27th March

    Softly slowly catchy monkey ...
    Originally posted by River.Bee
    Fantastic! That must be a great feeling!

    Onward and downward.
    • River.Bee
    • By River.Bee 26th Apr 17, 1:38 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    It is a great feeling knowing the number is going down, slowly but surely

    In other news, had my first shift working in the union shops today. It was only two and a bit hours but it was good and I enjoyed it. The only thing that tripped me up was selling the fags, rizzler, tobacco, filters etc. because I have ABSOLUTELY no idea what they're used for, how people ask for them etc etc. I was glad someone was always with me to help me get them because I was very dumbfounded when people asked for them
    Other than that, I think it went well. I asked for more shifts and I've got one on Friday, just for 2 hours again. But hopefully I can ask for more from now until they close for the summer. More debt-busting money, please!!
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • Bobarella
    • By Bobarella 26th Apr 17, 11:47 PM
    • 10,476 Posts
    • 69,547 Thanks
    Bobarella
    Yeah I guess so. I would be quite happy if someone just gave me chocolate as a present anyway haha
    I'm gonna make mum some cupcakes for her birthday cake too. She wants to go camping for a night so cupcakes would be easier to bring and eat. So hopefully she'll be happy with them + the chocolate + the small gift leftover from christmas
    Originally posted by River.Bee
    Yum to cupcakes!!
    " 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
    • River.Bee
    • By River.Bee 28th Apr 17, 10:26 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Great news money-wise today:
    Completed my second shift at my new job - plus I got asked if I could stay an extra hour which I gladly accepted
    Told the manager I'm totally free for all the shifts possible from now until when they close (Mid-May I think)
    He scheduled me down for 3 shifts next week, totalling only 7 hours but better than nothing!
    Snagged an extra shift to cover someone else's, so an extra 2 and a half hours shift next week as well

    I can't believe how short the shifts are. Ranging from 2- 3 hours, with the odd 4 hours by looking at the weekly rota. But I guess that's because it's run by the students union and they want to prioritise students academic schedules over earning part time money. Ah well

    Still, by my calculations, I've earned £40.88 for my two shifts I've done this week.
    Next week I will earn £71.25
    Totalling £112.13 - not too shabby for my first fortnight of debt busting earnings!


    On another note, my progress to sorting Student Finance out to change course again is slowly, but finally, coming along. Hopefully luck/ fate is on my side and I'm allowed to switch to a subject I'm much more passionate about compared to my current one. Just gotta continue playing the waiting game.
    Last edited by River.Bee; 07-05-2017 at 6:33 AM.
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • Cherryfudge
    • By Cherryfudge 28th Apr 17, 10:33 PM
    • 742 Posts
    • 2,550 Thanks
    Cherryfudge
    Congrats on all the extra shifts! And I don't know if it's a bit late to apply but some areas are still apparently needing poll clerks which is a well-paid one day job.
    • River.Bee
    • By River.Bee 2nd May 17, 8:39 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Congrats on all the extra shifts! And I don't know if it's a bit late to apply but some areas are still apparently needing poll clerks which is a well-paid one day job.
    Originally posted by Cherryfudge
    Thanks for the tip Cherryfudge! I shall have a look and see if there's vacancies in my area
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • River.Bee
    • By River.Bee 2nd May 17, 8:52 PM
    • 76 Posts
    • 241 Thanks
    River.Bee
    Went to the cinema today after work with the OH. Used MSE's meerkat movie trick: bought one-day travel insurance for just £1.11!!! and have now got 2 for 1 cinema tickets for 12 months
    After I went and bought some jeans ( v much needed after my last pair developed holes [ mended them 3 times but they just got totally knackered ].) Had £25 budget for them but managed to get them for £12.85 in a sale

    Also, perks of being a student; managed to get a year's free YNAB yesterday after my trial ran out.

    I'm on a super savvy money saving roll right now
    27/3/2017 - The Beginning of the End
    Credit Card Total Debt: £3462 £2590
    Pledge to clear (well) before uni graduation: July 2019

    5/4/2017 joined DFBXmas17 - £894/£1720 51.9%
    • Cherryfudge
    • By Cherryfudge 2nd May 17, 11:20 PM
    • 742 Posts
    • 2,550 Thanks
    Cherryfudge
    Look at you!

    I'd entirely missed the cinema tickets deal - need to look into that, thanks.
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