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  • FIRST POST
    • Silver Queen
    • By Silver Queen 24th May 17, 3:16 PM
    • 200Posts
    • 1,112Thanks
    Silver Queen
    £15,000 to 0
    • #1
    • 24th May 17, 3:16 PM
    £15,000 to 0 24th May 17 at 3:16 PM
    Hi

    I have decided to re-join this forum so that I can stay motivated to bust my debt.

    A bit about me...I work full-time in central London which gets me about £1.4k per month.

    I owe £15,000 exactly on 0% interest. This is £13,500 to bank of ma and pa (started at £15,500 in October), which paid for my postgrad, and £2k of student overdraft.

    I pay £250 per month to my parents but I would like to start making overpayments.

    Frankly, until now, I have not really even thought about my student overdraft because it's on 0%. However, in June or July (not sure which - oops), it will reduce by £1k so I will need to pay it back ASAP.

    I live at home at the moment, although I will be moving out in September.

    My monthly expenses are food and £350-ish on a train ticket since I commute into London daily. I also pay £200 per month into a help to buy.

    Goals
    1. Pay back £1k into my overdraft by end of July, whilst continuing to make £250 repayments monthly.
    2. Save a £1k moving fund. I am trying to declutter and become more minimalist so that I don't have so much stuff to move, but there will be general moving expenses.
    3. This one is a bit ambitious - I would like to try to pay back all the monies owed to my parents by next year. The current agreement is that I would keep paying them £250 pa until 2021 but I really really don't want to do that, because...
    4. This one is long-term. Save £20k by 2021 so that I can be on my way to putting down a deposit for a house.


    I have started this diary because although I have been on the debt free journey for about three/four months, I have been noticing myself slipping lately, so hopefully this will hold me accountable!
    Last edited by Silver Queen; 08-01-2018 at 4:24 PM. Reason: incorrect loan balances!
Page 6
    • Rachel24
    • By Rachel24 29th Dec 17, 10:20 AM
    • 119 Posts
    • 420 Thanks
    Rachel24
    I feel so awful for you silver queen, that must be hard when it’s your mother. Do you know how long it’ll take you to pay her off? Definitely appeal the speeding ticket! The worst they can do is say no to the appeal.
    • Silver Queen
    • By Silver Queen 30th Dec 17, 8:54 AM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    I thought I’d do a new SOA for my own reference and so that my financial situation can be easily understood.

    Statement of Affairs and Personal Balance Sheet

    Monthly Income Details

    Monthly income after tax................ 1444.4
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1444.4


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 400 includes most bills
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 0
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 20 recently downgraded, 12 month contract - am kicking self for not going for the lower sim plan though!
    TV Licence.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services....................... 0
    Groceries etc. ......................... 75 roughly correct although sometimes we do spend a bit more.
    Clothing................................ 20 not spent every month but sometimes I save it up to get a big thing that I want.
    Petrol/diesel........................... 50 I don’t have a car anymore but the boyfriend usually comes to visit me so I contribute a little towards petrol. It’s usually around £30 a month but better to be safe than sorry
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 160
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 62.5 16 people to buy for at Christmas but I usually only do birthday for my sisters and parents
    Haircuts................................ 5
    Entertainment........................... 150
    Holiday................................. 50
    Emergency fund.......................... 0
    Icloud.................................. 0.8
    Total monthly expenses.................. 993.3



    Assets

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


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Parent loan 1..................11550.....0.........0
    Parent loan 2..................250.......0.........0
    Overdraft......................1000......0........ .0
    Total unsecured debts..........12800.....0.........-



    Monthly Budget Summary

    Total monthly income.................... 1,444.4
    Expenses (including HP & secured debts). 993.3
    Available for debt repayments........... 451.1
    Monthly UNsecured debt repayments....... 0
    Amount left after debt repayments....... 451.1


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -12,800
    Net Assets.............................. -12,800


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • Rebecca01
    • By Rebecca01 1st Jan 18, 12:58 PM
    • 655 Posts
    • 993 Thanks
    Rebecca01
    Just read your diary. I just wanted to say Good Luck and I hope things have improved with your Mother.

    I have definitely subscribed.
    • Silver Queen
    • By Silver Queen 2nd Jan 18, 12:00 PM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    Thanks Rebecca01 for popping in and commenting

    I'm doing veganuary this month for curiosity's sake and because I think it'll be cheaper than my usual omnivorous diet. I'm finding it difficult already! The problem is not avoiding meat, it's avoiding dairy.

    Tonight will be an aubergine and lentil vindaloo, we have everything except aubergines so I will pick some up in our grocery shop, which we will have to do tonight.

    I'm away for a week this month so my grocery list is pretty short. I'm confident that I can keep my shop tonight to below £15 as we only need veggies and some spices.

    I was fine doing this vegan challenge until I realised that some wine isn't vegan
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • EssexHebridean
    • By EssexHebridean 4th Jan 18, 1:12 PM
    • 8,307 Posts
    • 44,251 Thanks
    EssexHebridean
    Loving that the biggest issue there is non-vegan wine!

    I initially assumed that you'd been sent the notification of intended prosecution for the speed thing but now it looks like you've not? If so I really would try not to worry about it too much - the guidelines advise that a margin for error of 10% should be allowed so it's pretty unlikely that you were far enough over anyway - and far more likely to have been someone else hopefully. No sense in stressing about it until you get the Notice though, if you do. Just make a mental note to breath a sigh of relief if you reach 28 days without a brown envelope appearing!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£758.45 (19/12/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Silver Queen
    • By Silver Queen 4th Jan 18, 4:00 PM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    You're right EH - I was just feeling sorry for myself



    Annoyingly my budget is not going to plan, this is mostly because of excess food spends as my sister has a nasty habit of asking me to pop to the shop after work for one thing which quickly spirals into multiple phone calls and a long long list...which of course comes out of my pocket!!

    Euros purchased for our week away and all budgets re-balanced, although rather slim looking. Accounts are as follows....

    Nationwide £50 (airport fund and travel fund for any last minute boo boos)
    Natwest £35.41 to cover phone bill and icloud, will a tiny bit spare
    Cash £20

    My poor Help to Buy has been emptied in favour of loan repayments so that now stands at 0.

    Only 24 days until payday
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • Silver Queen
    • By Silver Queen 8th Jan 18, 3:20 PM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    Some good news today - I will be getting a pay rise in March! Hooray! I have therefore completed YET ANOTHER new SOA ready for March - gosh I'm keen! The monthly income is based on an online calculator so I'm not sure how accurate it is, but it'll be mostly right...

    My new pay will push me over the student loan repayment threshold so I'll be paying off £30ish a month. The interest is accruing at about £150 a month sooo.....

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 0
    Number of cars owned.................... 0

    Monthly Income Details

    Monthly income after tax................ 1639
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1639


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 400
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 0
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 20
    TV Licence.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services....................... 0
    Groceries etc. ......................... 75
    Clothing................................ 20
    Petrol/diesel........................... 50
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 155
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 5
    Entertainment........................... 150
    Holiday................................. 50
    Emergency fund.......................... 10
    icloud.................................. 0.8
    Total monthly expenses.................. 985.8



    Assets

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


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Parents Loan 1 ................11550.....250.......0
    Parents Loan 2.................250.......125.......0
    Overdraft......................1000......0........ .0
    Total unsecured debts..........12800.....375.......-



    Monthly Budget Summary

    Total monthly income.................... 1,639
    Expenses (including HP & secured debts). 985.8
    Available for debt repayments........... 653.2
    Monthly UNsecured debt repayments....... 375
    Amount left after debt repayments....... 278.2


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -12,800
    Net Assets.............................. -12,800


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


    **** Presents fund is not currently being saved as I usually purchase things on sale as and when I see them. It's definitely an area I need to improve on as I usually go a bit mad with gifts - one of my most favourite things is giving perfect gifts. I buy for 16 people at Christmas (OH's family is 11!) so my aim this year is to stick to a budget of maximum £25 each for OH's fam with £75 for OH. My family will be £50 each. I've already bought for 5 of OH's family with a spend of £27 total (hooray for January sales!) so 5 more to go plus him.

    Veganuary wise, I failed yesterday as my sister cooked a roast and the temptation was too strong. Back on the bandwagon today although I forgot to bring lunch so £5 spent on lunch which I'm a bit annoyed about.


    I need to look around for different vegan recipes, as so far, it has been an awful lot of curry. I like curry but there's only so much a girl can stomach...

    The thing that I am the most pleased about with Veganuary is that my skin has really cleared up already. I'm not sure if it's a coincidence or the reduction of dairy consumption? Either way, I'm chuffed with the result.

    £5 left of my month's grocery budget!! But with plenty of food and I'm away for a week anyway, which will not be included.

    Sold a couple of bits today, only £10 in my pocket after fees but that's better than nothing.
    Last edited by Silver Queen; 08-01-2018 at 3:23 PM.
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • Working Mum
    • By Working Mum 8th Jan 18, 3:37 PM
    • 41 Posts
    • 149 Thanks
    Working Mum
    Hi SQ,
    Jack Monroe "Cooking on a Bootstrap" has some incredible vegan meals which are pennies to make - really tasty and can be frozen etc.

    This isn't a fiscal observation but a "how we live" observation. A chap called Gary Chapman writes about 5 Love Languages - really easy to read up on (a bit Americanised in parts) but the main thrust of his teachings are that we all have one of 5 preferred ways of showing our love/appreciation:-

    * physical touch
    * words of affirmation
    * quality time
    * acts of service
    * gifts

    from your last post it would seem you are a "gifts" kind of girl...... whilst I am "quality time" - it has helped me enormously to have meaningful relationships with friends and family by understanding what their Love Language is and working accordingly.

    It has saved me money because I don't spend loads of cash buying my mom a big pressie because she is a "quality time" lady so my presents for her revolve around days out and having a nice coffee somewhere. My sister is a "gifts" lady and I spend all year choosing something which is thoughtful and meaningful for her. My Dad is a "physical touch" guy so he always gets something which feels soft and lovely.....

    Just thought I'd share as this debt free journey opens up lots of other avenues for growth too.

    You are doing well!

    WM
    • Silver Queen
    • By Silver Queen 8th Jan 18, 4:22 PM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    Hi SQ,
    Jack Monroe "Cooking on a Bootstrap" has some incredible vegan meals which are pennies to make - really tasty and can be frozen etc.

    This isn't a fiscal observation but a "how we live" observation. A chap called Gary Chapman writes about 5 Love Languages - really easy to read up on (a bit Americanised in parts) but the main thrust of his teachings are that we all have one of 5 preferred ways of showing our love/appreciation:-

    * physical touch
    * words of affirmation
    * quality time
    * acts of service
    * gifts

    from your last post it would seem you are a "gifts" kind of girl...... whilst I am "quality time" - it has helped me enormously to have meaningful relationships with friends and family by understanding what their Love Language is and working accordingly.

    It has saved me money because I don't spend loads of cash buying my mom a big pressie because she is a "quality time" lady so my presents for her revolve around days out and having a nice coffee somewhere. My sister is a "gifts" lady and I spend all year choosing something which is thoughtful and meaningful for her. My Dad is a "physical touch" guy so he always gets something which feels soft and lovely.....

    Just thought I'd share as this debt free journey opens up lots of other avenues for growth too.

    You are doing well!

    WM
    Originally posted by Working Mum
    Thank you! I have heard that before but I never know what category I fit into tbh, as all these things sound lovely...

    With the presents fund, I am still adjusting as 2017 was my second ever Christmas with an OH - apparently I was a summer flings kind of girl before

    The aim is that 2018 will be a significantly cheaper Christmas and gift giving will be only small but well thought out things! I do find it difficult to find a balance between getting the perfect gift and, erm, not bankrupting myself!
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • Silver Queen
    • By Silver Queen 8th Jan 18, 4:29 PM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    Put my balances into a snowball calculator and it says I will be debt free in September 2019 a vast improvement from when it used to say 2021!

    The question is...how much can I knock off this?

    My house saving fund is still empty, sadly. I want desperately to start saving but given the recent hiccup with the parents, I really need to prioritise this debt. Food for thought.
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • EssexHebridean
    • By EssexHebridean 16th Jan 18, 11:26 AM
    • 8,307 Posts
    • 44,251 Thanks
    EssexHebridean
    Great progress there on the snowball - it's such a boost when you can measure progress like that isn't it! And a payrise too - brilliant start to the year!

    I'll second the recommendation to Jack Monroe's website too - she has some AMAZING food on there, some vegan, some not, but lots of tasty stuff and all to a tight budget.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£758.45 (19/12/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Silver Queen
    • By Silver Queen 16th Jan 18, 1:10 PM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    Hi all from sunny Algarve! It’s beautifully warm here compared to dreary England at the moment and we’ve had a frugal holiday. Flights, hotel and transfer have cost us £100 each in total for a week. We each bought £150 worth of euros and had some as an xmas gift and leftover from last holiday, but didn’t really need to as today is our last day here and we’ve still got almost 300 euros left! I’m pleased with that as it means we’ve spent about 150 euros for the week including two meals out.

    I’m a Jack Monroe convert already her recipes are so far the only vegan recipes I’ve tried that aren’t bland.
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • Silver Queen
    • By Silver Queen 16th Jan 18, 1:19 PM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    Oops, submitted before I was finished.

    Thanks EH, I’m quite proud of myself when it comes to pay rise as I would not normally be brave enough to march in and ask for it but I decided I would take the risk as all they could have done is said no.

    I have been through finances with OH and feel a bit guilty for giving him a hard time about money, since it turns out his take home pay is about £100 less than I thought it was and he has more fixed expenses than I thought. I feel better for having gone through it with him though, I confess I had slightly thought he was just a frivolous spender.

    I have a good action plan to be able to pay off my debts by the end of 2019 and start saving to finally buy a house. Not sure OH is quite on board yet with planning so far ahead but I’ll be working on him.

    My main challenge right now is that I have £30 in the bank to last until payday. I have got my share of the 300 euros but I’d prefer to keep that in euros rather than change it back as it just wastes money in the conversion, inevitably we will go on another holiday by the end of the year (oh woe is me...I don’t mean to sound whiny as I know I am very fortunate to be able to take so many breaks).

    I can feel my compulsive spending creeping up again. I keep thinking I should treat myself because I got a pay rise. I won’t succumb! I already have many luxuries and I don’t want to get used to viewing the spending of money as a treat
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • EssexHebridean
    • By EssexHebridean 17th Jan 18, 10:58 AM
    • 8,307 Posts
    • 44,251 Thanks
    EssexHebridean
    Ooh lucky you being somewhere warmer - it's a bit parky here at the moment!

    That's excellent (non) spending on your holibobs - well done! I can also see the sense in leaving the euros you come back with as euros too - if they're going to be used that makes sense doesn't it.

    On the creeping spendiness - can you set yourself a solid "reward" promise for when you reach a certain point? As in, think of something small that's calling to you as a treat and say that when you hit the point of X amount paid off, you'll buy it? I did something similar last year with buying my Fitbit - said if I'd stuck to the regular exercise thing from the start of the year until March then I'd buy it - and it did prove to be a motivator I admit! (And I still shopped around and bought it for the best price I could!) I'm currently thinking along the same lines with a proper running watch - but need to prove to myself I'll keep up the running first!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£758.45 (19/12/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Silver Queen
    • By Silver Queen 18th Jan 18, 11:47 AM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    Back to dreary England and the cold and wet

    Unanticipated spends cropped up this week including booking a transfer back to the airport in Portugal (we've never stayed in a resort-y type place before, always city, so we didn't anticipate the lack of public transport back to the airport) which cost us £11 each. Train back from the airport in the UK to home, which was silly of me not to anticipate. We then had dinner on the way home as it was late and we were bl00dy starvin'.

    The result is that I now have £8 left to last me until the end of the month and I suspect I will be charged the interest on the interest-bearing part of my overdraft that I was in last month, when I didn't realise it was interest-bearing. Sadly this means I will probably be charged interest again next month, albeit only for a small amount - about £50 into my overdraft for 3 days max. Fortunately my overdraft doesn't charge a daily sum but is 16.6% APR.

    OH now owes me a round £1k from various expenses this month and will be paying me back from 31st Jan 2018 at £150 per month. This means I should be paid back by the end of July.

    The non-interest-bearing part of my OD will start charging interest from either 1 June 2018 or 1 July 2018, I've forgotten. Luckily, by my calculations, I will have paid it back by then.

    Finances looking very squeaky this month, my fault as I know I didn't budget properly or take into account certain costs.

    EH, I like your idea of rewards. I've tried it in the past but never stuck to it because of willpower, but now I'm a little older and wiser, and I think I will be able to! I've decided that come payday I will treat myself to a bottle of very expensive perfume that I want, as a smug self-congratulatory pat on the back for pay rise. Luckily I have a gift voucher from Christmas so it will only cost me £8.

    Parental loan still ticking along, I think that once my payrise kicks in in March, I will start paying it off £500 per month rather than the current £250 per month.
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
    • Silver Queen
    • By Silver Queen 22nd Jan 18, 10:16 PM
    • 200 Posts
    • 1,112 Thanks
    Silver Queen
    Inspired by the ever wonderful and wise Greying Pilgrim, and bolstered by the fact that the other person in this flat will be away from Thursday this week, my meal plan will be from stores until Monday and is as follows:

    Tuesday: vegan pie with steamed or boiled veggies on the side, will make extra of the filling which will be a lovely veg stew frozen for another day
    Wednesday: out with a friend - her treat!
    Thursday: tofu skin stir fry
    Friday: bean and chickpea chilli with rice (cobble together)
    Saturday: toast or porridge for brunch and then vegan fried rice with the leftover rice from Friday and probably some of the tofu skins from Thursday for dinner.
    Sunday: mashed banana pancakes for brunch, marmite marinated tofu and rice for dinner.

    The last one (marmite tofu) is cheating a little as I will have to buy marmite, sesame oil and hoi sin sauce. The sesame oil and hoi sin sauce we will keep, the marmite I may pass along to OH as he absolutely adores the stuff and would probably let me drown to save a jar of the stuff.

    Payday is in 4 days and counting. Sometimes I get paid a day early though - here’s hoping!!!

    Today I reached £23 on OnePoll. I swear I will never ever EVER reach cash out.
    Debt Totals January 2018::
    £350 Natwest Credit Card / Now £0 £15,500 postgrad loan from parents/ Now £11,550 £500 Loan from Parents 2 / Now £250 £2,000 Overdraft Now £1,000
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