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  • FIRST POST
    • MrJester
    • By MrJester 12th Jun 17, 11:57 AM
    • 994Posts
    • 502Thanks
    MrJester
    Why do we fall? To learn to pick ourselves back up. (£26K+ DEBT!)
    • #1
    • 12th Jun 17, 11:57 AM
    Why do we fall? To learn to pick ourselves back up. (£26K+ DEBT!) 12th Jun 17 at 11:57 AM
    Hello. MSE. Once again. I am here, to share my journey and find support and inspiration in you fellow moneysavers.

    My old debt diary: http://forums.moneysavingexpert.com/showthread.php?t=5055456

    Here's a mini breakdown of where I am right now:
    • £20,000 business loan debt; up to date
    • £4500 MBNA debt; defaulted
    • £2000 Barclaycard debt; defaulted
    • Currently unemployed and seeking

    A short story is that I was in good employment over a year ago and had disposable income to start bringing down my debts so it was just a matter of time. But I felt severely unhappy in my line of work, and it affecting my health. So I quit. And over the next year I obtained a business loan to try and create my own business, and it was unsuccessful in the financial sense.

    But I have learned a lot about myself, and about business. I will continue to progress at working for myself as this is where I think I will be happiest, but right now I clearly have significant debts and I need to dedicate the next year+ to sorting them out.

    So right now I'm seeking new employment. I know my worth better these days than I once did, and will be looking for a good pay cheque. Don't get my wrong, I'll be taking any half decent employment I can get but will be on the constant lookout for very well paid opportunities.

    In many ways I feel upset and drained and foolish from letting myself get here. But I know I did it to try and make a new life for myself and make my own riches because I work very hard at things and often felt jobs I have had didn't give me the recurrence for my efforts. But perhaps that is partially the naive youth in me.

    Whatever my mood and emotion, the situation I am in is prevalent; and it needs dealing with. I can no longer allow my impatience to rule me, and instead need to commit to this process of financial freedom so I can live life without any chains as I have always wished. I've wasted my mid twenties focused on debt but then being impatient and not making long term progress... well no more I say. No more.

    Here we go savers, let's do this.
    My new 2017 Batman-like debt free diary (£26k+)!
Page 2
    • MrJester
    • By MrJester 8th Sep 17, 1:34 AM
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    • 502 Thanks
    MrJester
    Hey sauce. Time for an update.

    I've been trying hard recently to land a job and I've finally got somewhere, I accepted a job offer this week.

    I'll be back on £25k, which is a £1k step down from my last earnings in employment.. but it's not a big difference (£49 monthly). But hey I'm going to be earning ok again, and there should be plenty of room for promotions over the next year.
    I do get slightly annoyed to think about how it I had stayed in some employment I'd probably be on my way to 30k+ per year, and in that time I instead racked up some serious debt. It pretty much dwarfs my previous debt and makes me feel a tad silly.

    But, I've learnt a lot over the last year about myself and about my aims. I've just got to pay a price now, in blood sweat n tears

    I've already looked into it and because I've been defaulting for some time now and my circumstances are about to change positively I should be available for yes an IVA or debt management plan. Without it, debt repayments probably look something like £600+ and that's just minimums. I'll be getting in touch with stepchange again very soon to see what we can do.

    My primary focus over this next year is to get out of DAMN DEBT, and get my freedom. Secondary aim is to slowly build up a client base on my side hustle, so that one day I might be able to commit to it fully again and have complete freedom and flexibility.

    My wage is £25k PA when I start, 45 hours though with any additional hours paid at £11 per hour (£1 less ph) BUT it has a lot of flexibility, as in I can work from home for a lot of the time. So this clearly has some good benefits too. So depending on how taxing the work is, some days I might just be able to stay at home and work all waking hours of the day and rake in the cash. We'll see. I still want to have a life.

    I'm not sure how a debt repayment plan might work if I want to make overpayments; I would imagine that goes out the window because once you agree on an amount it is fixed to that for the duration. Unless I can't get a plan in place, or only a partial one (I'm not sure a 20k loan is too high). I'll ring tomorrow and find out.

    I never make things easy for myself! But here we are, and the issue must be dealt with one way or another.

    I don't feel like there is much stuff I want to buy anymore, for the most part I just haven't been able to do have got used to it. The tricky part is when your income rises, so often does your spending. I can see myself buying lunch out more often here and there, getting a taxi on occasion instead of the bus.. and before you know it it all adds up and you're wasting money. I want to work on this quite a lot if I'm going to succeed.

    But let's journey on, and make something happen!
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 8th Sep 17, 2:26 PM
    • 843 Posts
    • 885 Thanks
    sauceoclock
    One typically wouldnít overpay on an IVA or Debt Management plan, the point is to reduce your total owed and obviously reduce your monthly outgoings. Stepchange will be able to advise you accordingly but Iíd say not to pin all hopes on getting out of debt within 12 months, instead pin your hopes on stabilising your outgoings with a management plan/IVA whilst you get back on your feet. Youíll wipe your debt, be able to put some money away/live a relatively normal lifestyle and wonít be able to take out credit for a while.

    I often kick myself for leaving London and giving up that tasty salary to come and work in little old Norwich where salary has not increased to match the sky-rocketing cost of living but then I remember how dreadfully unhappy I was doing that and how much better it is being back here. You seemed really peeved and hacked off with your job in your previous diary so maybe itís been a positive learning curve. Plus, like I say, in about 7 years an IVA doesnít stop you getting a mortgage even with the most mainstream lenders. Iím not a financial adviser and obviously just work in mortgages but I have experience with a family member taking an IVA and it really turned his life around, heís buying a house at the moment and wouldnít have been able to if he hadnít owned up to the debt and taken part in the scheme.

    45 hours a week is a lot, donít run yourself in to the groundÖ Flexibility to work from home sounds great though.. nothing like being able to have a cuppa t in your pjís on a cold winter morning rather than trudging in to an office. Well done on the job and hopefully itís a positive sign of things to come!!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • MrJester
    • By MrJester 8th Sep 17, 5:11 PM
    • 994 Posts
    • 502 Thanks
    MrJester
    One typically wouldnít overpay on an IVA or Debt Management plan, the point is to reduce your total owed and obviously reduce your monthly outgoings. Stepchange will be able to advise you accordingly but Iíd say not to pin all hopes on getting out of debt within 12 months, instead pin your hopes on stabilising your outgoings with a management plan/IVA whilst you get back on your feet. Youíll wipe your debt, be able to put some money away/live a relatively normal lifestyle and wonít be able to take out credit for a while.

    I often kick myself for leaving London and giving up that tasty salary to come and work in little old Norwich where salary has not increased to match the sky-rocketing cost of living but then I remember how dreadfully unhappy I was doing that and how much better it is being back here. You seemed really peeved and hacked off with your job in your previous diary so maybe itís been a positive learning curve. Plus, like I say, in about 7 years an IVA doesnít stop you getting a mortgage even with the most mainstream lenders. Iím not a financial adviser and obviously just work in mortgages but I have experience with a family member taking an IVA and it really turned his life around, heís buying a house at the moment and wouldnít have been able to if he hadnít owned up to the debt and taken part in the scheme.

    45 hours a week is a lot, donít run yourself in to the groundÖ Flexibility to work from home sounds great though.. nothing like being able to have a cuppa t in your pjís on a cold winter morning rather than trudging in to an office. Well done on the job and hopefully itís a positive sign of things to come!!
    Originally posted by sauceoclock
    Yeah, I realised that's not really possible to do overpayments. But getting started on that process as soon as I can, might need to delay it somewhat until my first full paycheque comes in which will likely be end of October, then I can make a proper DMP payment. So i'll see what I can do there, I have a friend who works for one of these charities so I should be able to get the best advice.

    Yeah I know I wont get out of debt in 12 months, but I want to try and commit to making money, and spending less money, over the next year. And try and put any extra aside for myself, selling bits on ebay things like that.

    Absolutely it's a give and take, I stay here because for my kind of work (both the full time work and my side hustle) they only have potential really here around open minded people/business with money in their pockets. Your right, my last job I really did not like. I began to earn good money and paying down debts, but it was an awful job in my view. Not right for me so I left very quickly and a year later racked up another 20k debt - but hey ho we're moving on.

    This new opportunity seems like much more like what is right for me, I could be wrong, but i think over the last year if anything i've learnt a lot about myself and what's right for me. Yes 45 hour week scared me a bit too, but with me being able to work from home + some weeks might not be 45 hour and yet i'll still be paid the same.. i think it should even out and not feel quite so intense, hopefully. Ha absolutely winter is coming and not having to commute through london on a dark and wet and cold morning will be nice. I can even probably go home (mothers) early for christmas and work from there and not even have to actually take time off!

    So it should be swings and roundabouts, and likely will be a better transition for me going from working from home full time for myself.. to mostly working from home almost full time for someone else and guaranteed income

    Thanks sauce, it's been a funny old ride eh? Back and forth the pair of us for years now!

    I am really excited to be able to get finances back in order, and look to the future and try and fight for some promotions over the next year, I think the company i'll be working for will have room for growth and I know i'm capable too. lets gooooo
    My new 2017 Batman-like debt free diary (£26k+)!
    • MrJester
    • By MrJester 9th Sep 17, 10:34 AM
    • 994 Posts
    • 502 Thanks
    MrJester
    So just a minor update:

    - Contract of employment came through, going to take a few looks over this weekend but so far everything looks good
    - Completed my debt management plan online and got the forms through that I need to complete to get that process officially kicking off, should be able to give time to this on monday. I think IVA is open to me too, but it's stricter requirements and leaves more credit marks. As long as the DMP keeps creditors off my back then I'm ok with that, I have no plans to take out more credit

    Generally I'm feeling much more positive, now that I have a clear plan/future for my finances. In fact I'd say I'm somewhat excited. I've always underestimated the feeling of financial security, because I'm generally someone who cares more about doing meaningful things and work no matter the cost, but to have some of that security back after a rough year will be a blessing.
    My new 2017 Batman-like debt free diary (£26k+)!
    • Reb2016
    • By Reb2016 12th Sep 17, 11:17 PM
    • 148 Posts
    • 333 Thanks
    Reb2016
    Sounds like you are really getting organised and great to hear you are feeling positive, amazing how much difference taking control can have.

    And congrats on the job too, it may be a little less than you were used too, but you sound very positive about it and are putting in into perspective, and who knows where it might lead.

    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 11837.25
    DFD was October 2020 40 months now 21st Dec 2019 26 months Overdraft £720/£2250
    • MrJester
    • By MrJester 22nd Sep 17, 6:55 PM
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    • 502 Thanks
    MrJester
    Update time. Thanks Reb yes even more positive now, my last message was forcing myself to think about the future and not get too bogged down but I have some updates:

    - It's now been a week in my new job, and I'm actually really enjoying it. It's a very good work environment that is relaxed and trusts me to do my job well; which is ideal for someone like me. I feel like there is also lots of potential to grow at this new job. I also have opportunity to work from home a fair amount of the time which allows me to pursue other interests still.
    - I spoke to debt charity about my debt management plan today as I had sent over my proof of earnings and the plan will officially start in November!! (after first full paycheque)

    It really has felt like a wave of release, knowing that my creditors will now mainly work with the charity rather than me and I have that support in between both. It does feel good. It's no surprise we need a charity to help with that, people are so afraid of creditors and even me who knows quite a bit about how these things work now. It just puts a feeling of security into it. On the phone as well they are super understanding and considerate of peoples' emotional wellbeing so I have to commend them for that.

    I've got more plans in the works too for how to tackle my debt further. We're talking no more rent, and instead £££ to throw towards debts. The amount of money I pay for rent is insane.. can you imagine throwing all that money at debt each month? It'd be gone so quickly. Watch this space.
    My new 2017 Batman-like debt free diary (£26k+)!
    • Reb2016
    • By Reb2016 24th Sep 17, 7:25 PM
    • 148 Posts
    • 333 Thanks
    Reb2016
    Great to hear you are enjoying the new job, sounds like things are very much in the up for you

    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 11837.25
    DFD was October 2020 40 months now 21st Dec 2019 26 months Overdraft £720/£2250
    • MrJester
    • By MrJester 24th Sep 17, 8:48 PM
    • 994 Posts
    • 502 Thanks
    MrJester
    Thanks Reb. Yeah things are generally positive, only thing is being very broke right now but should be cured somewhat at the end of this week as i'll get a partial pay cheque which hopefully i can make tide over my rent and spends needed for a month >_o

    but that end of october pay cheque.. whoo life should get a bit less sticky
    My new 2017 Batman-like debt free diary (£26k+)!
    • MrJester
    • By MrJester 25th Sep 17, 3:55 PM
    • 994 Posts
    • 502 Thanks
    MrJester
    DEbt management plan confirmed today ��

    Need to just find out where and when I get my details for the online portal for it. It’s postponed to start in November when I can actually make payments. In the meantime I’ll call each creditor to notify them and that they’ll hear from my charity soon.

    One step at a time!
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 26th Sep 17, 1:44 PM
    • 843 Posts
    • 885 Thanks
    sauceoclock
    Great news about your DMP, glad they were professional and helpful and that it’s going to see you feeling more comfortable financially. Also fantastic news about the job, bet you can’t wait to work from home! Interesting about the rent situation, can’t wait to hear more!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • MrJester
    • By MrJester 29th Sep 17, 10:06 AM
    • 994 Posts
    • 502 Thanks
    MrJester
    Thanks sauce. It definitely feels a lot better now with the whole debt thing, really glad these charities exist. I can now just focus on my life again and earning money to pay it down faster. I'm not sure if I can make overpayments, I think maybe I can if I call them up but there's nothing on the online account area.

    As I'd try to start selling stuff I don't need, and put that cash straight towards debts rather than beginning to think "hmmm what fun I could have with this money". Although, I may want to instead do this to start paying people back that I owe cash to, which is somewhere around £1250 last I calculated, but probably approaching £1500 now. It would be nice to pick up the momentum of paying back the smaller debts again, as my DMP is a fixed amount it gives me breathing room with those creditor debts for a while to pay off friends and family with any extra I can make, and then return to trying to do the same for the DMP too.

    In other news, I want to be able to pay as little rent as possible. There's a few options I've been looking at, one is live-in Guardians which can be as low as £300 per month cutting my rent by over half. I've sent off an application. There's other similar things like this which I may apply to also.
    The other option is this website www.trustedhousesitters.com - basically you live in peoples homes for free whilst they are away and usually just look after their pets. Yeah thats right FREE (except for £80 membership per year to the site)

    I had a look at some of the homes and there seems to be a lot of options and with good periods of time too which could mean I could be at one home whilst looking for the next, and just hopping around London living for free. I'd reduce all my possessions to the bare minimum and just hop around. In-between I could then afford AirBNB's or stay with my partner. With my current work I don't have to always be in-office, and can work from home a lot if I choose to.

    People tend to use this site to travel the world, but right now I'm thinking how about I use it to live for free.

    With this, I'd have literally £600+ extra a month in my pocket or for my debts. That's a crazy amount of money extra to have every month. I think of the challenges I might go through living in lots of different homes and not having 'my own space' but then I think well I don't technically own my own space at all anyway, and that amount of money extra per month could change SO MUCH.

    Not only could I pay off my 26k debt A LOT quicker, I could also pay off my friends&fam debts off, put money away in savings and investments, and have true freedom and money to support that freedom too.

    I've talked about this idea to multiple people already, and whilst they do think its a bit nuts; they don't argue much about it because they too see the kind of money I'd be putting right back into my pocket which you just can't deny is incredible. It's not about the money, but its about what having freeing up that money could offer me in terms of freedom and great potential for my future once my CCJ's are gone.

    I'm literally thinking long-term, I have this bad credit now from the CCJ's which will last 6 years. In 6 years I want to try and improve my financial situation as much as I can, whilst still also living a fun and joyful life, so that when I'm in my early thirties I'll be very much ready to buy my own home (even if its just an investment) having saved up a lot of cold hard cash.

    Putting myself in a strange challenge like this could be really rewarding personally, as well as financially.

    It just seems like a no-brainer. Or am I going mad?
    Last edited by MrJester; 29-09-2017 at 10:13 AM.
    My new 2017 Batman-like debt free diary (£26k+)!
    • NekoZombie
    • By NekoZombie 29th Sep 17, 1:11 PM
    • 1,612 Posts
    • 1,490 Thanks
    NekoZombie
    Hmmmm be careful on this one. If youíre the type who gets depressed being in less than ideal surroundings can tip you over the edge.

    I personally donít believe in you wearing a hessian sack while attacking debt as you can end up falling off the wagon big time.
    BCSC Member 70
    .
    • MrJester
    • By MrJester 29th Sep 17, 1:28 PM
    • 994 Posts
    • 502 Thanks
    MrJester
    Hmmmm be careful on this one. If youíre the type who gets depressed being in less than ideal surroundings can tip you over the edge.

    I personally donít believe in you wearing a hessian sack while attacking debt as you can end up falling off the wagon big time.
    Originally posted by NekoZombie
    I'm not exactly ecstatic in my current surroundings, and I've wanted a change for some time but in my experience moving house in London is a real risk because you can so easily end up in bad situations, whether it be the landlords or the people you live with.

    In this idea, I wouldn't actually live with anyone. I'd live in someone else's rather nice home (which is why they want it squatted) whilst they are away. And look after animals when I've wanted my own animals but cant for a long time.

    I understand it might seem strange and scary even to some, but to me it doesn't feel like that. To me it feels like freedom.

    I have people I can fall back on if I end up homeless for a couple nights. But again this doesn't bother me so much it probably will in the long run but right now i'm liking the idea of it. Having less stuff, and less stuff I need to spend money on means more money for good things like debts and savings.

    I'm committed to making a big change here, and this is a possibility of that. I've got consistent work now and so I'm earning nicely again but with living costs being so high its a bit of a joke
    My new 2017 Batman-like debt free diary (£26k+)!
    • Reb2016
    • By Reb2016 30th Sep 17, 4:21 PM
    • 148 Posts
    • 333 Thanks
    Reb2016
    I can see the appeal of this idea, and it's not set in stone, if it doesn't work for you then you can always go back to renting, I would say it's worth a try, just so long as you go into it with your eyes open, and as you have already thought of some back up plans, then it sounds as though you have done that.

    I'll certainly be interested to see how you get on with it.

    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 11837.25
    DFD was October 2020 40 months now 21st Dec 2019 26 months Overdraft £720/£2250
    • MrJester
    • By MrJester 30th Sep 17, 4:54 PM
    • 994 Posts
    • 502 Thanks
    MrJester
    I can see the appeal of this idea, and it's not set in stone, if it doesn't work for you then you can always go back to renting, I would say it's worth a try, just so long as you go into it with your eyes open, and as you have already thought of some back up plans, then it sounds as though you have done that.

    I'll certainly be interested to see how you get on with it.

    Reb
    Originally posted by Reb2016
    I've thrown the idea out to a lot of people now. And a bunch of people, such as those who have done it before, have given me some really great feedback. I should likely dip my toe into this first before committing full-time. Build up some experience and positive track record and build up momentum to see what it can offer me; whether that's full time roof over my head or not.

    Also looking into property guardian-ing.

    All still just an idea at this point.
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 2nd Oct 17, 12:55 PM
    • 843 Posts
    • 885 Thanks
    sauceoclock
    I think the biggest downfall of living that way is you have to really strip back what you own, you can’t have a proper PC but instead a laptop and you can’t have a huge wardrobe of clothes but rather what fits in a suitcase etc. It definitely is something that can be done in London as there’s such a densely populated area with a lot of money in it, you couldn’t necessarily do it elsewhere in the country so why not utilise it whilst you are there I guess! Have you spoken to your GF about it to make sure she’s happy you’ll kip with her in the event you have a gap between finding the next property to house-sit?
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • MrJester
    • By MrJester 3rd Oct 17, 11:20 AM
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    MrJester
    Yeah, I really like stripping back what I own. So that's not much of a problem.

    Yeah me and my GF have discussed it a few times over, we're very open. She isn't bothered about it, as long as I don't take the !!!!. But she said it'd be ok if sometimes I needed to overstay.

    It's a pretty wild idea, and whilst I want to make the most of my money I do still want to have time for myself and to do my own entrepreneurial activities as I always have, and some described to me who have experienced it, house hopping can become like a second job with all the effort required and tasks asked of you whilst house sitting.

    I'm on a few guardian lists now, and should get some interesting updates this friday.
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 3rd Oct 17, 12:09 PM
    • 843 Posts
    • 885 Thanks
    sauceoclock
    Yeah I suppose if you're looking after pets you'd need to walk dogs/feed dogs, water plants, organise post. I did watch a documentary about a man in New York who uses a hotel concierge's luggage trolley to transport all his belongings and he just lives in other people's places whilst they're away. I suppose guardianshipping you're there a bit longer (generally speaking) so hopefully that comes through for you.

    I say who cares about naysayers, give it a go, it might be the best thing you ever do!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • MrJester
    • By MrJester 3rd Oct 17, 1:25 PM
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    • 502 Thanks
    MrJester
    That rings a bell think I may have seen something like that, the trolley is particularly in my mind.

    Yes absolutely I just don't want to put myself in a bad situation, so I'm trying to be honest with myself and realistic which the feedback has helped me to do.

    Otherwise. Just sold something on eBay for £15! With postage and fees.. I should end up with £15. I'm going to try and make it an aim to make £50 from eBay/selling stuff and every time I do send it towards debts. Which reminds me, need to check they'll let me do that..

    I have some very pricey items listed in various places too in the hopes they sell soon too which would reach near £1000! If I did that I'd settle a couple minor debts, put some away in savings so I have my own personal piggy bank to fall back on for once, and the rest send to debts. Again.. need to ask if I can do this.
    My new 2017 Batman-like debt free diary (£26k+)!
    • MrJester
    • By MrJester 3rd Oct 17, 2:50 PM
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    • 502 Thanks
    MrJester
    Spoke to charity for the DMP. They advised I should wait a while because it can make my creditors think I earn more than I'm saying and they'll get demanding, but after a while I should be able to make one-off payments to the charity who will then distribute it.

    In a way this is good as I can otherwise focus other money into making a piggy bank for myself, and then paying off family and friends too.

    Piggy bank/Rainy day fund aim: £100
    First F/F debt to pay: Mum, I think somewhere around £300 in total to see me over between changing jobs
    My new 2017 Batman-like debt free diary (£26k+)!
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