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  • FIRST POST
    • mobo1980
    • By mobo1980 5th Jun 17, 9:38 AM
    • 320Posts
    • 1,700Thanks
    mobo1980
    Mobo's movin' forward !
    • #1
    • 5th Jun 17, 9:38 AM
    Mobo's movin' forward ! 5th Jun 17 at 9:38 AM
    Hello

    I've been on here a few years now , I managed to get out of debt To get a mortgage for our lovely house .

    I was so determined I would never get a loan again Now here I am £20,571.58 in debt again and that's without the mortgage

    I don't know how i'm going to move forward at this point in time but I know I have to .

    I work full time and at the end of the month I'm lucky to have £100 to myself which I normally just end up buying things we need for the house/garden/car etc I never buy anything for me - totally my own doing I know .
    I suffer from anxiety and depression , I get soo overwhelmed so quickly hence I tend to sign up for challenges then drop off ...

    I had a little win last month got my pet insurance down from £37 a month to just under £6

    I live with my o/h and dog who is 9 bless her
    As I said I get overwhelmed so easy ,so not going to post a S.O.A right now I do have a ridiculous £50 a month phone contract that o/h talked me into getting - I had a £7 a month sim only before that but he convinced me to get a contract phone

    I think maybe I need to start a spending diary ? I'm not worried about my grocery bill as only spend about £100 a month

    P.s I will keep looking and reading on boards if I don't answer straight away it's because o/h doesn't like people knowing about our debts etc so won't be telling him about this little diary

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
Page 1
    • Hiddenidenity
    • By Hiddenidenity 5th Jun 17, 9:46 AM
    • 3,338 Posts
    • 12,831 Thanks
    Hiddenidenity
    • #2
    • 5th Jun 17, 9:46 AM
    • #2
    • 5th Jun 17, 9:46 AM
    Welcome back

    I too suffer from anxiety and other MH issues. I will be following and cheering you on from the sidelines.

    I understand you don't want to post a soa but the same things apply. Is the budget realistic? Does it actually say what you have left over at the end of the month? Do you have that left? If not then yes a spending diary 100% will help. You'll see where you're overspending and where you can cut back.

    Can you cut down your Tv/broadband packages? Checked youre on the best utility tariffs?

    Are you paying interest? Check the snowball calculator which to concentrate on first.

    Good luck

    DFW £523.71/£7348.71
    Rent Arrears £271.28 /£3381.28

    June 17 PA £91.05 Cashed out + £12.10 Available + £33.45 pending
    Other Surveys £70 Cash £25 Amazon
    • mobo1980
    • By mobo1980 5th Jun 17, 1:20 PM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    • #3
    • 5th Jun 17, 1:20 PM
    • #3
    • 5th Jun 17, 1:20 PM
    Thankyou Hidden I can certainly use your cheering !

    We have got sky o/h deals with getting us the deals on that as I am useless trying to get anything at a better price

    We do our budget every month have just got a deal for gas and electric for £72 a month which I don't think is too bad ?

    My wages change every month but on average it is about £100 I have left - just not sure where this goes

    I normally leave my petrol money in bank £150)but had to transfer some pennies to my o/h so he gave me cash , also have done a really good shop both freezers are jam packed so have got just under £130 to last me for everything til end of month

    I do the penny challenge but am a little behind at the minute but apart from that today should be a NSD

    Thankyou for advice about spending diary , going to get straight on it

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • mobo1980
    • By mobo1980 6th Jun 17, 9:53 AM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    • #4
    • 6th Jun 17, 9:53 AM
    • #4
    • 6th Jun 17, 9:53 AM
    Good morning

    I'm starting the day with £128.29 in my purse as I said this is for everything so starting my little spending diary on here as if I write on here i'm less likely to embarrass myself by spending money on carp lol .

    Penny challenge £1.38 (i'm a little behind ) now I have £126.91 left in my purse , this is my savings for Christmas I did this last year and it helped take a lot of the stress out of it

    Been talking a lot lately about starting a business(cafe) in about 6 years time when my o/h stops paying child maintenance and we are out of debt - A girl can dream !

    Just noticed I need to update my sig !

    Have a lovely day everyone

    Mobo xx
    Last edited by mobo1980; 06-06-2017 at 9:57 AM.
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • Hiddenidenity
    • By Hiddenidenity 6th Jun 17, 11:01 AM
    • 3,338 Posts
    • 12,831 Thanks
    Hiddenidenity
    • #5
    • 6th Jun 17, 11:01 AM
    • #5
    • 6th Jun 17, 11:01 AM
    Have a lovely day

    What's the penny challenge?

    DFW £523.71/£7348.71
    Rent Arrears £271.28 /£3381.28

    June 17 PA £91.05 Cashed out + £12.10 Available + £33.45 pending
    Other Surveys £70 Cash £25 Amazon
    • mobo1980
    • By mobo1980 6th Jun 17, 1:28 PM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    • #6
    • 6th Jun 17, 1:28 PM
    • #6
    • 6th Jun 17, 1:28 PM
    I started doing the penny challenge last year towards
    you start by saving a penny on the 1st of January 2p on 2nd of January and so on at the end of the year it adds upto over £600
    I'm a little behind at minute ,think i'm up to about the 18th of May

    Just saved some pennies ,went to the shop to buy mags and enter comps but couldn't get parked !

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • mobo1980
    • By mobo1980 6th Jun 17, 9:38 PM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    • #7
    • 6th Jun 17, 9:38 PM
    £126.91 starting money
    • #7
    • 6th Jun 17, 9:38 PM
    Just been to petrol station then to shop so I have spent
    £20 petrol
    95p garlic naan
    £1.99 dessicated coconut (expensive? I think)
    26p 12 reduced pittas for freezer
    35p yogurts - value
    £2.64 on 3 magazines (I buy these to enter comps as well as enter online for free ) sis recently won £200 and we share if we win

    So I now have £101.22 to last til 28th of june
    The naan and the coconut is for a homemade beef curry I do in slowcooker every Saturday - we used to spend about £15 on a takeaway curry so saving money there and the coconut will last about 3 months worth of curries

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • jamie2017
    • By jamie2017 7th Jun 17, 12:52 AM
    • 18 Posts
    • 53 Thanks
    jamie2017
    • #8
    • 7th Jun 17, 12:52 AM
    • #8
    • 7th Jun 17, 12:52 AM
    I have subb'd

    The one and only thing that got me into living within my means was YNAB, aka you need a budget. I have managed for a few months now not to overspend which for me is amazing. I hit LBM this month and now I want to tackle the debt not just "get by."

    YNAB is overwhelming as it forces you to absolutely see every penny spent and you realise why you are in this mess but it is so good.

    If you do join please use my referral haha and also take all of the classes here:
    https://www.youneedabudget.com/classes/

    If like me you spend every penny on credit card and that's how you accumulated cc1 and cc2 debt this is amazing, as it means you have accountability over every penny no matter where it is spent. If I spend £10 on a cc YNAB knows, and i budget for it... So I can then pay in full.
    LBM: £29517.61 June 2017 DFD: DEC 2021 Total Paid 76.80/29517.69
    Barclays 76.80/13267.92 Loan: 0/8649.69 MBNA: 0/7600
    • jamie2017
    • By jamie2017 7th Jun 17, 12:56 AM
    • 18 Posts
    • 53 Thanks
    jamie2017
    • #9
    • 7th Jun 17, 12:56 AM
    • #9
    • 7th Jun 17, 12:56 AM
    Also RE the £50 phone contract, that can be your treat. As long as you use it a lot, it has value. Just ensure you budget for it in your plan.

    I always say, focus on what you can control... The £50 phone bill is out of your control now (as locked in contract), hence do not worry about that.

    Focus on the changes you can control today and be at peace with your past decisions where they cannot be changed.
    LBM: £29517.61 June 2017 DFD: DEC 2021 Total Paid 76.80/29517.69
    Barclays 76.80/13267.92 Loan: 0/8649.69 MBNA: 0/7600
    • mobo1980
    • By mobo1980 7th Jun 17, 7:24 PM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    Thankyou Jamie

    I will have a look at ynab when I have some time , Is it easy to do ?

    Good advice re phone contract - there's nothing I can do now so I will make my peace with that and I do use my phone quite a bit for online banking among other things , as soon as I can go for a sim only deal though I will .

    Today I started the day with £101.22
    I was asked to do an early shift which saves me £3 bus fare (I can get parked at work on early's) so will use that towards my penny challenge so I now have £98.22 to last me until the 28th of June

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • mobo1980
    • By mobo1980 8th Jun 17, 6:42 AM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    Good morning

    So did something silly last night o/h asked me if I wanted to go £10 each on online bingo and instead of saying no like I should have I said yes (we won £12 will put on later fingers crossed)
    .so my money is now at £88.22 and will also have some more spends today, bus fares and need some bits of shopping will update later .
    Also drank 6 cans of o/h lager as I did the night before so he wants me to buy some back ( he's in same situation as me )
    I need to stop drinking too ! so new goals

    1) Stop spending on rubbish (after buying o/h his beer back)
    2)stop drinking
    3) lose weight
    4)pay debt
    5)have some savings !! (managed to save 4g in my younger days)
    6)start reading - have lots of books to read , I love reading and it's free (friend gives me her books when she's finished with them and I buy her a brekkie ,when we meet up

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • mobo1980
    • By mobo1980 9th Jun 17, 7:20 AM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    Good morning

    Didn't win anything on bingo so I have £63.49 left in purse after buying beer/shopping and £3 bus fare yesterday .
    Have spoke to sis going to do a carboot sale but not 'til next month so need to start trawling house for things to sell

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • mobo1980
    • By mobo1980 13th Jun 17, 10:43 AM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    Good morning

    Looking forward to later today get to go to my favourite shop
    (company shop) the reason why my shopping bill is so cheap ! a few of the deals I got last time -
    Whole chicken £1.99 rrp £4.99
    organic diced beef £4 rrp £8
    organic minced beef £2.49 rrp £7.99
    chicken,bacon,leek and pot meal 69p rrp £2.29
    swiss chocolate pudding 25p rrp £3
    steak pie £2.50 rrp £5.69
    chicken fajita kit 50p
    cheese and bacon kiev x2 39p rrp £1.50

    get soo excited when I go
    so grateful for this little perk of the job

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • jamie2017
    • By jamie2017 13th Jun 17, 7:52 PM
    • 18 Posts
    • 53 Thanks
    jamie2017
    YNAB is easy to setup once you know how, there's a few good vids on youtube, but the classes are AMAZING. I honestly could not control my finances without YNAB.

    This gives you a rough idea of how to get it going, the best thing is it makes you plan for future "one off" expenses e.g. that car insurance or xmas.

    https://www.youtube.com/watch?v=dQVWnx0Sdsg
    LBM: £29517.61 June 2017 DFD: DEC 2021 Total Paid 76.80/29517.69
    Barclays 76.80/13267.92 Loan: 0/8649.69 MBNA: 0/7600
    • mobo1980
    • By mobo1980 14th Jun 17, 9:01 AM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    Good morning

    So got some good deals last night

    4x diced beef 700g for £2.35 each (split into 7 portions for curries and have saved £10.83
    4xGarlic and herb sensations 59p rrp £2.50
    2xready roasted chickens £1.25 each rrp £3.79?
    2kg of onions 20p (use lots for curries ,chilli spag bol &sandwiches)
    350g cheddar cheese 80p

    Thanks Jamie Haven't got the 30 mins to check the vid out at the minute so will try to watch it later
    I must admit though i'm a really simple kind of girl lol so might go back to Dave Ramseys envelope system I think he's brill and haven't done it in a while , last time I did I found myself very in control of my budget then I got out of debt and stopped

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • Hiddenidenity
    • By Hiddenidenity 14th Jun 17, 9:06 AM
    • 3,338 Posts
    • 12,831 Thanks
    Hiddenidenity
    The reductions are fab

    I really can't get my head round YNAB, I think you either do and its life changing or you just don't, no in the middle.

    I'm a pen and paper girl though so maybe why!

    DFW £523.71/£7348.71
    Rent Arrears £271.28 /£3381.28

    June 17 PA £91.05 Cashed out + £12.10 Available + £33.45 pending
    Other Surveys £70 Cash £25 Amazon
    • mobo1980
    • By mobo1980 14th Jun 17, 11:28 AM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    I know it's a bargain shop (company shop)but you have to work for nhs (I think some other people qualify also)
    The prices are always as low as that but they always have different stock in , Unfortunately i'm not a confident driver so have to wait for my sis or o/h to drive

    Just watching the news on the tower block fire in London ,those poor people must be devastated and 6 lives lost so far

    Mobo xx

    P. yes I think I might stick with a pen paper and some envelopes as well
    glad it helps some people though !
    Last edited by mobo1980; 14-06-2017 at 11:36 AM.
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • Chandelier.
    • By Chandelier. 14th Jun 17, 12:26 PM
    • 282 Posts
    • 710 Thanks
    Chandelier.
    Mobo where is this shop you speak of? Someone like me could easily get lost in there..
    • mobo1980
    • By mobo1980 14th Jun 17, 1:03 PM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    Hi Chandelier
    it's at tankersley, Barnsley but not sure if there are more across engand , think they have a facebook page - maybe you could find out if there's one near you on there ?
    You're only allowed to take one guest in with you so I normally go with sis or o/h .
    I get withdrawal if I don't go thinking of all the bargains I'm missing
    I have 2 freezers which are absolutely jam packed with food and get my shopping money £100 at the beginning of each month - I won't need all that next month (but it's o/h) birthday so prob will get used up.
    Think I could use this to my advantage getting out of debt ... Just need to convince o/h to stop wanting takeaways
    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • mobo1980
    • By mobo1980 19th Jun 17, 7:25 AM
    • 320 Posts
    • 1,700 Thanks
    mobo1980
    Good morning

    weather is beautiful today , just taken dog out and having a little chill out before work .

    I have found an old computer (snes) going to put it on ebay I have seen some on there going for over £100 so need to get it out of box and check it's all working , I still haven't had a proper look for stuff to do a carboot with so will do that on my days off .

    Came home yesterday and o/h had done a little buffet tea - very nice

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
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