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    • charlies tribe
    • By charlies tribe 7th Apr 17, 1:13 PM
    • 476Posts
    • 3,810Thanks
    charlies tribe
    Second time lucky... debt free diary.
    • #1
    • 7th Apr 17, 1:13 PM
    Second time lucky... debt free diary. 7th Apr 17 at 1:13 PM
    Good afternoon all. As title says, this is my second time here. I started a few years ago, debt started to go down. Then DH was made redundant! He refused to sign on and we lived from the credit cards (think he was suffering depression). I have major mental health issues but went back to work almost 2 years ago but we were scraping by while dh tried self employed (something I desperately didn't want him to do).

    In February he started a part time, temp job but has been working full time hours and looks like he could be staying at least for now.

    I've been off work for a month as I have something growing on my ear drum, vertigo is now under control, still waiting for hospital appointment but...

    From Friday we should have 2 full time wages coming in!!

    Cards have been removedso we cant rely on them and ive got my lists ready. I'm dreading posting this but here goes...

    Loan: £414 last payment this month!
    CC1: £830 min payment £25 on 5% for life rate
    CC2: £6987 0% till Jan 18
    CC3: £3185 0% till june 17
    CC4: £9035 0% till july 17 on 830 the rest 0%till sep 17
    CC5: £8816 think it's 0% for 18 months

    Total: £29267

    We have also had a sofa. payments don't start until its delivered. Ours had collapsed and we are currently on beanbags. We have had a nice one to hopefully last. The payments on that are £90 a month 0% for 4 years. so im going to add the £4287 (I think the insurance cost more than 1 chair) to the starting total.

    Total: £33554

    I don't know how long it'll take to be debt free but my aim for now is just seeing it go down not up. Thank you for reading if you've made it all the way to the end.
Page 12
    • charlies tribe
    • By charlies tribe 1st Sep 17, 2:13 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Loan: £414 - £0
    mbna1: £830 - £503
    lloyds: £6987 - £6487
    mbna2: £3185 - £7917
    barclay: £9035 - £3172
    tesco: £8816 - £8401
    sofa: £4287 - £3931

    Total £33554 - 30411

    £3143 (9.3%) paid. Only £282 paid off this month.
    Last edited by charlies tribe; 01-09-2017 at 2:19 PM.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 1st Sep 17, 2:16 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Not as much paid off due to balance transfer fees and having to reduce the amount we pay off. Also had a payment taken out for internet security which wasn't supposed to be as we have it with the phone package. Not sure if I can claim it back as just seen it on the CC statement.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Hiddenidenity
    • By Hiddenidenity 1st Sep 17, 3:57 PM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    Well done

    Always worth a phonecall to ask if they can refund Hope DD had a lovely day x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • charlies tribe
    • By charlies tribe 2nd Sep 17, 12:44 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Good afternoon.
    Nothing really to update today. No changes to the bank account.
    Yesterdays spends were the £5 for DD had for college and DH has paid the storage unit up until mid nov using some of the emergency fund, was £600 already owing but he paid £940. Hopefully we will get this back when he finally sells the stock.

    Today was a huge shopping day as everywhere was bare, should have been tomorrow. £132 in total but the fridge, freezer and cupboards are full and ready for back to school lunches so just £18 left for this week.

    Got some washing to put out but it's looking a bit dark. Might have another cupof tea while I warm up, i'm freezing.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 2nd Sep 17, 12:53 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    While I remember there was also £5 on photos for DD licence yesterday, just need to find someone to sign it now.

    Need to remember money to fetch girls certificates for swimming too as they both moved up again this week.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 3rd Sep 17, 12:06 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Good morning. Wrote a huge post while laid in bed last night and then caught the wrong button and it all disappeared.

    Yesterdays spending was just the shopping. Today will be a NSD.

    Realised last night I never sorted the house insurance! left it for DH to look at and forgot. The other renewed on the 1st grrr!

    I cant believe it's back to work tomorrow. I'm feeling so guilty that the children haven't done anything really. I've made plans but when it got to it I couldn't face it. I realised yesterday how bad it was when the little ones went to the park. I usually send the big ones every 15/20 mins to check on them but neither of them were home... It took me almost an hour to get the courage to go! I don't want every holiday to be stuck at home so need to get my self to the doctors (that's a massive thing on its own).

    Suppose I better go and try to do something productive on my last day off. At least on Wednesday I can put the 4 dolls pushchairs, 2 bikes,2 scooters, rollerskates.... all back into the conservatory and the room will look better straight away (they have to be lifted out and over the table so instead of doing it 20 times a day everything has just stayed out).
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 4th Sep 17, 9:59 AM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Good morning. Nothing to update today, just the mortgage has come out.
    CC that I transferred from, has one of the highest min payments (should have been £245 this month), is saying it wont take this months payment due to the balance transfer. If it doesn't, its being paid off the smallest balance card (the only one with interest) and that one will almost be gone.

    Off to work soon, I've decided I HATE my shifts, I've loved being able to see swimming lessons and do tea's and put them to bed. Think i'm going to try looking for something daytime hours. Also need to ask MIL if she will collect the children after school on Mondays as DD has always done it but wont be back from college in time. If not we will look at after school club.

    Was hoping today would be a NSD but hoping to get some school bits when I finish work. Girls need socks, DS1 needs trousers (I cant get any to fit him anywhere) and the big 2 need stationary/note books/folders. Still haven't ordered DS his new blazer and PE kit, Talk about being last minute.

    Right better go get showered and hope the weather brightens up, said it was going to be nice today so did loads of washing last night ready to go out, it's horrible and wet out there!
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Cherryfudge
    • By Cherryfudge 4th Sep 17, 10:35 AM
    • 887 Posts
    • 3,571 Thanks
    Cherryfudge
    collapsed last night under the weight of all the coats, school bags (that still haven't been emptied) .
    Originally posted by charlies tribe


    I bet there are parents all up and down the country saying 'mine neither'! In fact even though my kids are all grown up, that brought back such memories that I'm sitting here grinning and making resolutions to clear our equivalent! Beware of the sandwich bags - surely 50% of all lunchbox sales are directly due to last minute discoveries of six-week-old disgusting whatever-it-was-I-put-in-there-in-July.
    • charlies tribe
    • By charlies tribe 4th Sep 17, 11:05 AM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Ha ha ok I'll admit it! We bought new lunch boxes the other day, opened her lunch bag to see if it fit in (it doesn't) and the old one was sat there! I thought DH had done it, he thought I'd done it. Luckily we knew it needed replacing so could go straight in the bin.

    They now have new bags for school and the old ones have now been emptied (onto the table) to be used as swimming bags now it's getting cooler. Will hold onesie's, jumpers and swim kit instead of having to carry them seperate so saved buying new swim bags.

    Still not showered or done washing... that cup of tea DD made was nice though.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Cherryfudge
    • By Cherryfudge 4th Sep 17, 12:57 PM
    • 887 Posts
    • 3,571 Thanks
    Cherryfudge
    I love recycling kids' bags (those that are still useable but apparently not fit to go out with). When my children started school I bought cheap pillowcases in child-friendly patterns to make PE bags. The idea was that pre-readers could identify their own. Years later I still have at least one on the go as a shoe bag for my own stuff.

    You have also saved yourself having to sew name labels in their 'new' swimming bags.
    • charlies tribe
    • By charlies tribe 5th Sep 17, 12:06 AM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    I think I remember having a book bag made from a pillow case. It's something lovely to keep.

    Spent £12.60 today on a pack of school socks and a pair of trousers for DS, he cant pull them over his legs! They are a 30/29, where has my little boy gone! so will take them back tomorrow.

    Just watching obsessive compulsive cleaners, they would have a field day in here! I've realised we are becoming big hoarders!

    Right better go to bed, walking 3k to work and being on my feet all afternoon has given me achy legs after 2 weeks off.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Hiddenidenity
    • By Hiddenidenity 5th Sep 17, 8:38 PM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    Hope all is well x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • charlies tribe
    • By charlies tribe 6th Sep 17, 1:18 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Afternoon. Busy day yesterday getting ready for back to school. Finally managed to get D'S a pair of school trousers, another £6. Also spent £20 in Mr t. 3 water bottles, a ruler, fruit, bread, muffins and a DVD.
    DVD's seem to be a huge thing at the minute since cancelling film channels, it's things the children wanted to watch in the cinema, but at about £70 a time we have to wait.

    Little ones are back to school today. DS refused to get out of bed until 10, sat on the floor for a while and then spent the rest of the morning being sick. He's been out of school 9 months now and still has panic attacks about it. So having a quiet day.

    Girls swimming later then I'm off to work again. Need pet foods and some more bread for lunches.

    One CC payment has come out today. I've had one saying they aren't taking payment this month and the one I've transferred it too isn't taking payment until October. With those payments I should clear a good chunk of the lowest CC.

    Not much else to update, all pretty quiet here.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Cherryfudge
    • By Cherryfudge 6th Sep 17, 1:33 PM
    • 887 Posts
    • 3,571 Thanks
    Cherryfudge
    Hope the quiet day helps.

    DVDs have the added advantages of being re-watchable but taking minimal space. Well done on the debt-busting!
    • charlies tribe
    • By charlies tribe 6th Sep 17, 2:46 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Thank you. We watched a film, not very educational but they've been researching cakes to make from the film so I have a shopping list for food colouring. He's now in the kitchen with DD baking cookies. Not sure how they'll turn out, she's just shouted where's 500g and then put 250g of icing sugar in instead of 140g, she had read the amount for butter instead... so some very sweet cookies coming up!
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Hiddenidenity
    • By Hiddenidenity 6th Sep 17, 6:47 PM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    Hope DS is okay Big hugs x

    Sweet cookies sound good
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • charlies tribe
    • By charlies tribe 23rd Sep 17, 10:58 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Cant believe how long it has been since I posted! Partly due to feeling completely exhausted and busy... But mainly not wanting to admit to all the spending this month!

    I seem to have spent way too much but on the plus side, it's all came from the accounts, no cards have been used. Lots of it was just wanting nice things! and then i'd feel bad. Like our anniversary meal, we have never gone out or anything so we did buy some nice food. Kiddies have had a bit of clothing and DD has needed quiet a bit for college. Also included quiet a few yoghurts and chocolate oranges(that were for Christmas but the kiddies have already eaten 1 each)

    All CC payments have been paid this month so far, just need to pay the rest of the budgeted money off the lowest card after the min payment has come out. I rang about the payment for internet protection and that's being refunded.

    The new freezer has broke!! Tried to ring The company we bought it from, they didn't even answer, transferred us straight to the call centre for the brand (think it was some kind of number recognition thing). They were pretty good and someone should be out Tuesday.

    Went to the bank after work today to withdraw this weeks money and it wouldn't let me have as much as it should.. I went into full blown panic! Thinking someone had cleared the account.
    Got home and logged in to find out hadn't even transferred this months grocery money over! How good was that to make it till today on the money that's been building up over the last few months.

    Right better go put some washing in before I go to bed as it's supposed to be nice tomorrow.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Cumbria lass
    • By Cumbria lass 23rd Sep 17, 11:04 PM
    • 798 Posts
    • 3,584 Thanks
    Cumbria lass
    Think August /September has been hard for everyone on here, so don't feel bad. At least you didn't use cc so a big win there .
    Nov 2017 CC1 £3439CC 2 £627:

    Debt Free Nov 2019: earlier if I have my way
    • Poor_Single_lady
    • By Poor_Single_lady 24th Sep 17, 7:59 AM
    • 1,099 Posts
    • 4,144 Thanks
    Poor_Single_lady
    Hi Charlies Tribe. I was looking for your posts, but I was kind of thinking that it's September and you have 5 kids so that's probably enough to keep you very busy!
    Nice to see you posting again. Hope you can get fridge freezer sorted. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • charlies tribe
    • By charlies tribe 24th Sep 17, 1:57 PM
    • 476 Posts
    • 3,810 Thanks
    charlies tribe
    Thank you both for posting. I definitely need to keep posting, I will catch up with your diaries asap. At some points I thought 'I've already messed this month up, what difference will a bit more male's.

    Spending today catching up on a mountain of washing, 2 loads on line, 3rd in. Would be easier (and cheaper) if we didn't have pets/ ds wasn't in nappies as things could have a quick wash, but they need a full good wash. I've still got about 8 loads to go (2 of them are coats)

    Spent an hour helping DS1 to do his CV for work experience. Seems so much more complicated now to when we did it. Wasn't anything with insurances then. Also been trying to sort DD1 everything she needs for her dbs, she has a huge lack of ID.
    Last edited by charlies tribe; 24-09-2017 at 2:05 PM.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
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