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    • charlies tribe
    • By charlies tribe 7th Apr 17, 1:13 PM
    • 434Posts
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    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 14
    • charlies tribe
    • By charlies tribe 12th Oct 17, 10:32 PM
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    charlies tribe
    Evening all. Think we will be writing this month off and starting fresh in November. I've had to send off for DD passport, we were struggling with her Id and as she had a passport as a baby it was the best option to update it. We did d's1 at the same time so he doesn't have the same problem next year so £150 gone there. Plus photos and postage costs.
    I've been picking up odd bits of winter clothing and replacing some of ds2 t-shirts as he eats them and they looked awful.
    DH has ordered a trailer, I think we could have managed the holiday without it but he said everything won't fit in the car, the older ones and DH all have wetsuits/boards/fishing stuff, we've always gone with family before that have had a bit extra room to take some of our things. So the savings have gone.

    Positives I suppose are it's all come from savings! No cards.We get 2 child benefit payments this month so one will go straight back into savings.

    Been trying to shop in store but it's lethal! Need to go back to on line so I'm not filling the trolley with nice things and no food (I've done it regularly this week!). Was getting fed up of the same meals and thought it would be good to browse but it wasn't very money saving.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 13th Oct 17, 11:53 AM
    • 434 Posts
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    charlies tribe
    Good morning. Spent the morning waiting for deliveries. Still waiting for the cat litter to arrive.

    I was curious this morning and sat and went through the statements for the CC that DH spends on. They only go back 18 months. On there I the car, car parts for the old car, fuel, small shops at the corner shop. The bit I wanted to check was how much stuff he had bought when self employed, in the 18 months there is just under £1000! I know there was more before. None of it claimed for! Along with his whole redundancy to buy his start up (over £10k), it was probably one of the biggest, most expensive learning curves adding to the debt. If he had listened to me and used his redundancy for debt payments we would probably be almost debt free now, or at least only half what we have. Not having almost £30k debt and a storage unit (also costing us £20 a week!) full of things that never got used.

    I'm at work this afternoon, will need to get bread for the weekend.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Hiddenidenity
    • By Hiddenidenity 29th Oct 17, 5:51 PM
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    Hiddenidenity
    Hope all is well CT x
    • Mags35
    • By Mags35 29th Oct 17, 10:31 PM
    • 7 Posts
    • 23 Thanks
    Mags35
    I read your diary and just wanted to say well done! What you’ve achieved is fantastic
    • Cherryfudge
    • By Cherryfudge 30th Oct 17, 11:35 AM
    • 946 Posts
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    Cherryfudge
    Just catching up... how very frustrating for you about the money that went on SE. Does he still need the tools for anything or could they go on 3bay to recoup some of the costs? Or maybe on one of those community notice boards, as you wouldn't have to factor in postage costs.

    We have a couple of passports to update this month, too. It's costly, isn't it! At least you won't have to redo them for years to come.

    We had storage briefly when we were having work done on the house and it's a money pit. Is there anything in yours you could sell? If it's being stored you may never need it again. (Not that I could ever be a minimalist. I have a pile of stuff waiting to be sold that's taking up living space but doesn't seem to have listed itself).

    Well done on not putting the above on cards! That really shows how valuable it is to have savings, so pat on the back for you.
    • charlies tribe
    • By charlies tribe 30th Oct 17, 12:36 PM
    • 434 Posts
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    charlies tribe
    Thank you for your posts x

    Cherryfudge, All the stuff in the storage unit needs sorting and selling as is no longer needed but getting time to do it seems impossible, but would give us some money back and eventually wont have to pay the storage either. Thing is most of it is seasonal so may have to wait until next spring to get the better prices (extremely large inflatables used at summer parties).

    We were away last week with no internet on site and the week before we were busy with work and getting ready... unsuccessfully!

    Had to take a bag of wet clothes with us i hadn't got dry and the bags of food shopping were still on the worktop when we got home.

    I am absolutely disgusted with how much we spent! I know this is because we went with family and how unorganised we are! I owe £650 back to the yearly bills account! We didn't even buy lots of things, it was lunches and drinks out, the kids had jumpers, and they all had £30 to spend.

    Positives..
    We had a fantastic time!

    I can pay the money back this month to the bills account and i've still paid my £600 to debt (£678 actually as had an unexpected payment go out this morning). I didn't use the food account for food shopping as forgot my bank card so that can be transferred back too.

    The weather has been nice since we got back and i've managed to catch up on 13! loads of washing already. (yes you read that right, 13 loads of washing and still some to go!)

    I'm going to start fresh from the first November and get back on track.

    Suppose i better get ready for first day back at work, the stew for dinner is starting to smell lovely in the slow cooker.
    Last edited by charlies tribe; 30-10-2017 at 12:39 PM.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 30th Oct 17, 1:03 PM
    • 434 Posts
    • 4,081 Thanks
    charlies tribe
    Just a quick update. Just checked the food account, as I had mentioned before, getting over halfway through the month on the months before money. I have transferred the £650 from there to put back in the yearly account and still left a little bit in there ready to cover any 5 week months.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Cherryfudge
    • By Cherryfudge 30th Oct 17, 2:35 PM
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    Cherryfudge
    It must have been worth it as you had such a good time!

    The decluttering/MS/lifestyle gurus seem think there is a tipping point at which it all gets easier and we start to feel we're winning (I wouldn't know yet ) so keep chipping away at it all. In fact this morning's payment shows how very well you are doing!

    I completely see why the storage needs to remain for now (much like all the stuff in My Mum's old house).

    Perhaps make yourself a note of list of things you can prep ahead for next holiday? I know there may be last minute things and forgotten things and especially things that other people introduce into the equation but they are easier to deal with if you feel you have a handle on the structure of getting a bunch of people from A to B with all the clothes, teddy bears, medication, reading matter, sunscreen, mosquito repellent, cold weather gear, tickets, passports, games to keep kids amused on the way, food for the journey, small items of food that aren't worth buying when you're there etc. etc - well when you get that down to a fine art, the rest gets easier. ;~)

    I think that holds the record for the longest-ever sentence on this forum.

    What I'm trying to say is, make a note of anything that may help next time. It may not save the day entirely but it might help.

    The important thing is that you came back having had a wonderful trip.
    • charlies tribe
    • By charlies tribe 1st Nov 17, 12:27 PM
    • 434 Posts
    • 4,081 Thanks
    charlies tribe
    Just wanted to post 1st of month update before I go to work
    Month 7..
    Loan: - £0!
    mbna1: - £0!
    lloyds: - £6347
    mbna2: - £7759
    barclay: - £3100
    tesco: - £8142
    sofa: - £3753

    Total - £29101

    £4453/£33553 (13.2%) paid.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 4th Nov 17, 12:05 AM
    • 434 Posts
    • 4,081 Thanks
    charlies tribe
    Evening. I don't know where the time is going but it's flying by!

    Cherryfudge, sorry I didn't reply the other day. It has made me more determined to be organised. I'm pretty good at lists...just not actually completing them lol. This time after washing I have rolled and bagged all the wetsuits together, not spread around the house. Beach towels, tea towels and clothes are all packed back up together too instead of on the shelf. Hopefully as I do children's rooms the clothes will be easier too.

    Had opticians yesterday, I need new glasses so £150 spent there. £6 for a subscription for ds. Had to do a couple of small shops too.
    Had this tears pay out from TCB of £188. I was going to use it towards Christmas but it's covered the cost of my glasses instead.

    Girls went swimming today, dd2 was doing her first distance badge since starting the club, she's only ever done 100m in 1 go before but managed a whole 32 laps and her 800m badge (£3.75). She also got a letter for the next competition, not sure if she will take part, she's extremely sensitive and scared she'll come last.

    Suppose I really should go to sleep as working all day tomorrow.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 5th Nov 17, 10:31 PM
    • 434 Posts
    • 4,081 Thanks
    charlies tribe
    Evening. Not much to update. Was at work all day yesterday, Did spend £4 on tea things. Today I haven't even got dressed.
    I have got a shopping order coming tomorrow as I forgot to do it for today and I've done a bit of Christmas shopping too.

    DH came I this morning and tried to do a ready meal and the microwave filled the whole house with smoke! It's been thrown outside. I thought we hardly used it but 4 times today I've gone to use it before I realised (porridge, beans, hot choc and choc fudge cake). Just want a basic one as we never used the oven bit, there just seems so many to choose from

    Then this evening the little ones were in the shower and the boiler sounds like an aeroplane taking off! Defiantly think it will need replacing pretty soon.

    At work tomorrow so shouldn't be any spending.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Cherryfudge
    • By Cherryfudge 5th Nov 17, 10:39 PM
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    Cherryfudge
    Eek, that has been an expensive day! Hopefully you can get someone out to the boiler while it's still working.

    I'm sure there used to be microwaves for about £25... I think I'm showing my age. I did look into a replacement here when our gave off smoke but it's since behaved itself so I didn't get much further apart from wishing I still had the one that lasted us 20 years.
    • charlies tribe
    • By charlies tribe 5th Nov 17, 11:22 PM
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    charlies tribe
    The microwave hasn't done too bad, I think we must have had it at least 10 years. It ways a ton! I can't move it. They come through the till at work now and they are so much lighter. Yes, I'm sure even when I started work at the supermarket just 2 years ago they were a lot cheaper. Cheapest seems to be £50 now.

    Boiler has done well too, even when they serviced it they were surprised it was still Going, the make usually only lasts about 8 years, it's about 15 years old now. MIL had the same one at the same time and there's had to be replaced about 4 years ago and ours is used a lot more.

    Looking back, both things we should have been saving for.

    I'm hoping my plans for Christmas pay off today, I have 4 siblings with 7 of their own children and 7 children from their partners. I always give each child £10 (£140). My children don't usually get anything from my brothers and just a selection box from my sister's. I decided to try to make each family a movie hamper, I've ordered a tub of heros/celebrations, 2 large bags of popcorn and a tub of hot chocolate each, working out at £7.20 a family (£30). Depending on money I might add them an actual film each. Just need to get a basket and tissue paper and wrap them. Does it sound Ok? I can't think what else to put in them.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Cherryfudge
    • By Cherryfudge 6th Nov 17, 11:18 PM
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    Cherryfudge
    I really like the idea of a movie hamper. You can get DVDs for about £1 in some places: I wonder if you can find something Christmas themed?
    • charlies tribe
    • By charlies tribe 7th Nov 17, 1:38 PM
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    charlies tribe
    Will keep an eye out for any Christmas dvds to pop in.

    So tired today, so much to do but I really don't want to move!
    Spent the morning doing work with DS, washer and dryer both going. DS is now playing a board game on his own, while singing his heart out to Christmas songs and getting excited because he won the game. I've got my feet up with a cuppa.
    Need to get sorted cos we are supposed to be making buns for tea before I go to work.

    No spending so far today. £145 Piad to Cc's yesterday. Today I've signed up for sealed pot challenge to start saving for next Christmas.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Cherryfudge
    • By Cherryfudge 7th Nov 17, 2:56 PM
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    Cherryfudge
    So tired today, so much to do but I really don't want to move!
    Originally posted by charlies tribe
    I think we are programmed to hibernate in November.

    DS is now playing a board game on his own, while singing his heart out to Christmas songs and getting excited because he won the game.
    Originally posted by charlies tribe
    Aw, bless!

    You are more ahead with Christmas 2018 than anyone I've ever met!
    • charlies tribe
    • By charlies tribe 7th Nov 17, 3:18 PM
    • 434 Posts
    • 4,081 Thanks
    charlies tribe
    Definitely feel like hibernating. It's cold and dark already and I don't start work for another 2 hours yet.

    I've bagged up what was in the jar and have the 'left overs' in there to start next year off, a whole £6.07! I've also paid first payment to park for next year's vouchers so Christmas 2018 is already well budgeted for lol.

    Hoping the bank will still take the bagged coins, it's been a while since I took any in.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 12th Nov 17, 1:39 PM
    • 434 Posts
    • 4,081 Thanks
    charlies tribe
    Good morning. Not much to update. Lots of Christmas shopping done from the Christmas account this week, It's looking a bit sad now. Hoping the big ones want things I can get in stores as have a pile of park vouchers to use, might rethink next years vouchers as I tend to order online now.

    I've got mountains of washing to do today but when i've gone to do it, nothing in the utility room works! Think it's blown a fuse somewhere but I have no idea where the plugs are in there so will have to wait for DH to get up.

    Must find the energy to get cleaned up! DD1 brought friends home yesterday while I was at work and I hate that they've seen it such a tip, DD doesn't seem to care though. With 3 labs all moulting, I wonder if there's a market for fur filled cushions!?! Bet I could make 1 a day.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • charlies tribe
    • By charlies tribe 12th Nov 17, 10:56 PM
    • 434 Posts
    • 4,081 Thanks
    charlies tribe
    Well DH finally sorted the washer about 9 tonight, well sort of, it 's running off an extension. So now i'm trying to get school uniforms sorted for the morning, Going to be a late night. The fuse holder has disintegrated or something so needs to be replaced.

    I'm sat sorting through the bank and watching Netfl!x. If anyone has anything recommended to watch as I haven't a clue and currently watching rubbish. DD is still crying because she doesn't want to go to school, she looks more and more tired as she isn't sleeping because 'morning comes around quicker'.
    LBM in April 17 - £4453/£33554 (13.2%) paid
    DFD: 1st May 2022
    SPC #591
    • Hiddenidenity
    • By Hiddenidenity 12th Nov 17, 11:04 PM
    • 4,230 Posts
    • 26,459 Thanks
    Hiddenidenity
    You've probably said and I've missed why doesn't she want to go to school? is it a new thing?

    I can't help much on the netfl!x I'm quite boring, the only things I've actually watched and enjoyed is gilmore girls, line of duty and 13 reasons why. Total random mix

    I love Gilmore girls though and have watched from Series 1 a few times
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