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  • FIRST POST
    • Angela84
    • By Angela84 19th Jun 17, 4:40 AM
    • 373Posts
    • 902Thanks
    Angela84
    Finally found the strength to get debt free 💪
    • #1
    • 19th Jun 17, 4:40 AM
    Finally found the strength to get debt free 💪 19th Jun 17 at 4:40 AM
    I've come on here a little into my debt free journey but I still have a way to go so I want to stay accountable for motivation.

    I started this year with £9850 debt. I was shocked when I added it all up in January, and after years of vows to do something about it, I finally decided it was time.

    RBS overdraft £1250
    NatWest overdraft £1600
    NatWest cc £250
    Barclaycard cc £2000
    Lloyds cc £4750

    My weekly budget after I've paid my rent and bills is £281. From this I budget £90 a week for food and fuel.

    February I started paying £100 a week to NatWest CC. It felt good when it was £0 and I knew i would never use it again.
    Next in march I started working on the rbs overdraft. I've had this overdraft for 11yrs since I was a student. All those £30 monthly fees, the thought of it makes me so glad I became finally free in May!
    The next one was NatWest. I knew I'd find this harder as it's the account I use on a daily basis. In the end I decided to open an interest free credit card to transfer the balance.
    So now NatWest is £0, and I had £1600 on a virgin card.

    I am now on week 4 of paying it back. I decided on the figure of £123 a week as
    1. This means it would be cleared by the end of August
    2. This gives me £70 a week to live on, or £10 a day.

    Not sure if that sounds high, but I have children and unexpected things seem to crop up almost every day. I would like to be able to budget better and build up a contingency fund but I got so motivated seeing these debts finally start coming down that I haven't.

    After virgin is gone in August, the next plan from September - December is barclaycard. My plan is to start 2018 with only 1 credit card debt. My debt free date would be September 2018.

    I have also started matched betting a week ago, I spend about an hour each night trying to understand it and it's slowly coming to me. That money will go straight to these debts and hopefully bring my debt free date forward!
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
Page 4
    • glass_half_full
    • By glass_half_full 29th Aug 17, 8:00 AM
    • 157 Posts
    • 393 Thanks
    glass_half_full
    Fantastic, must be a great feeling!!
    Total unsecured debt - £7,167 (September 2017) - Debt free Target March 2018


    No alarms and no surprises
    • hannahroberts1985
    • By hannahroberts1985 29th Aug 17, 10:41 AM
    • 740 Posts
    • 1,060 Thanks
    hannahroberts1985
    Whoop amazing work. another one down.

    I think I need to get back to meal planning I have a freezer and cupboards full but have a food shop coming today as my fridge was empty and I panicked. Maybe I'll try a chilli and see if the boys like it. With have a baby I like to cook everything from fresh sauces etc and I think this is bumping up my food shop for the time being. X
    Deposit :£10,469/£20,000 = 50% Fee fund £1903 emergency fund:£752/£1000 Car fund:£5 Xs fund £67 B/day £45
    Noodle: 614 Clear: 499 mse:967/61%
    Family loan £7000/£6750
    • Cherryfudge
    • By Cherryfudge 29th Aug 17, 12:58 PM
    • 685 Posts
    • 2,107 Thanks
    Cherryfudge
    That's fantastic! What a great start to the day!
    • Angela84
    • By Angela84 29th Aug 17, 8:56 PM
    • 373 Posts
    • 902 Thanks
    Angela84
    I've had a quiet day today, had zero energy because of AF I think.
    I swapped the girls wardrobes over which I've been wanting to do for ages, now the bank holiday is over I've officially declared it autumn/winter in my house Have so kindly been gifted every single item of clothes in the girls wardrobes, and taking 2 bags to charity shop tomorrow and 2 bags to a friend with a younger baby girl.
    Rang virgin to try and cancel but I'm tied in until December, so I've scheduled in my diary to call and cancel them then, and just get a cheaper broadband deal.
    Also went online and filled in a form and realised I qualify for free 30hrs childcare for my 2yr when she turns 3 in November so that's good for when I'm working 3 days a week.

    Whilst tidying up earlier I thought more about what I said in my last post, that is been leaving these debts to roll onwards as I thought I might get rich one day, and I realised that that's actually what has always been in the back of my mind! It's only starting to dawn on me now that maybe I won't be! I feel so silly even saying it! I think it's all part of an annoying part of my personality I'm always battling with, where I never feel satisfied with what I've got, I'm always thinking towards the next step, when I'm thinner/richer/the children are older and easier. I'm trying really hard to stop and temmeber that I can't get these days back, this is not a trial run, try and enjoy each moment and be grateful for what I have right now.
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • hannahroberts1985
    • By hannahroberts1985 30th Aug 17, 8:39 PM
    • 740 Posts
    • 1,060 Thanks
    hannahroberts1985
    A mantra that I've recently learnt is "this too shall pass" it really helps get you through tough testing times (which you need if your kids are anything like mine) but it's also really helped me to stop and appreciate the good times too. Maybe you'll be rich one day maybe you won't but enjoy the ride either way. Xxx
    Deposit :£10,469/£20,000 = 50% Fee fund £1903 emergency fund:£752/£1000 Car fund:£5 Xs fund £67 B/day £45
    Noodle: 614 Clear: 499 mse:967/61%
    Family loan £7000/£6750
    • Angela84
    • By Angela84 30th Aug 17, 10:47 PM
    • 373 Posts
    • 902 Thanks
    Angela84
    That's one I'll ponder on thanks Hannah!

    A good day today, did the food shop for the next 10 days which came to £60, higher than normal but I've factored in making myself healthy lunches all next week too and I did it 2 days earlier than normal as I had nothing else to do today!
    Here's our meal plan: thursday fish and chips, Friday gammon eggs and pineapple (both are 'using up what I've found in the freezer meals') Saturday were out, Sunday roast dinner, Monday veggie chilli, Tuesday veggie chilli, Wednesday burgers, Thursday spaghetti, Friday curry. The children decided on that weekly menu for the next few weeks to keep life simple. Weve got jelly and fruit for pudding, which the children decided they'll have the same pud all week to make life easier too.

    Picked up eldest new school trousers, 4 pairs for £5 second hand but practically new so that's him sorted. And he's decided he doesn't want the tablet I recently bought him as he rarely uses it so I'll try and sell that for £100 tomorrow.

    Invited to a big local concert on the weekend as husband knows the organiser so we've got free VIP entry, nice! Better find my wellies!
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 31st Aug 17, 6:39 AM
    • 373 Posts
    • 902 Thanks
    Angela84
    Today should be a nsd for me as it's our annual day we're treated by nanny. She pays for the boys new school shoes each year and their haircuts ready for going back to school. And treats us to some lunch from the bakery on the high street. I'm glad of this little tradition as school shoes cost a fortune but they always last all year so I appreciate the investment.

    Other than that nothing else planned. The chickens have settled well into their new coop, I gave away 3 and kept 3 so it's much easier now.

    I'm so eager for the children to get back to school and get back to our routines, I thrive on routines nowadays, I used to hate them but with having more children I realised everything falls apart wth preparation and a plan in place!

    This is our routine for the morning:
    Everyone normally wakes around 6.30, although we have a 'get up' alarm for 7.15am, and we go straight down for breakfast together, whilst I empty the dishwasher and start making water bottles and lunch boxes.
    7.45am the 'get dressed' alarm goes off, so we go upstairs to get dressed and make beds and brush teeth
    Back downstairs to chill before school, then the 'shoe alarm' goes off at 8.15am which means everyone rushes to the shoe cupboard and grabs their shoes and coats and bags, and I start getting stuff in the car, and then the 'out the door' alarm goes off at 8.30am. Rota for car seating plan as otherwise there's always arguments. And off we go!
    The alarm clocks really help, I used them for a couple of years.
    Last edited by Angela84; 31-08-2017 at 6:42 AM.
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 31st Aug 17, 9:08 PM
    • 373 Posts
    • 902 Thanks
    Angela84
    A good day today, school shoes and haircuts bought by nanny, lunch bought by me, annoying had to buy drinks which I loathe doing as I always try to take drinks with us everywhere. After that we visited the library so we're one step away from our free animal park tickets they're giving away this summer.

    Now this evening I'm bored. All children in bed, I don't really watch tv and all I'm craving is to buy stuff online. There's nothing I need, I can just feel the urge to treat myself and get a littke excitement ordering something and knowing it's ok it's way to me. I'm not giving in though. Staying strong.
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • hannahroberts1985
    • By hannahroberts1985 31st Aug 17, 9:11 PM
    • 740 Posts
    • 1,060 Thanks
    hannahroberts1985
    Try the comping forums or facebook "Latest deals and free stuff" it keeps you busy and you've the hope the postman will bring you something in the post. If your comping though make a new emails address x
    Deposit :£10,469/£20,000 = 50% Fee fund £1903 emergency fund:£752/£1000 Car fund:£5 Xs fund £67 B/day £45
    Noodle: 614 Clear: 499 mse:967/61%
    Family loan £7000/£6750
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 31st Aug 17, 10:00 PM
    • 1,044 Posts
    • 1,262 Thanks
    HairyHandofDartmoor
    You are doing so well and are so strong. I really admire how you are managing to entertain your children so cheaply. I shall follow your diary with great interest.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867

    Debt at highest = £58,766 Current debt = £16,234, Emergency Fund = £100

    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Angela84
    • By Angela84 31st Aug 17, 10:35 PM
    • 373 Posts
    • 902 Thanks
    Angela84
    Thanks Hannah, I'll check out the comping forum now!

    And hi hairy! Thanks. I've read up a lot about minimalism over the past 18 months and have come to the conclusion children are pretty easy to please for free, it's just how you excite them that makes them have fun.
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 31st Aug 17, 11:19 PM
    • 373 Posts
    • 902 Thanks
    Angela84
    Had a look, will have a little go comping tomorrow.

    Bills day tomorrow. As I was paid a couple of days early it's thrown me off a little, I won't be short for them but I normally like knowing money goes in the same day it's due to go out again.

    Can't believe it's septmeber already! This year has flown by! Our first year with 5 children, and with no more planned now I'm enjoying knowing that with each year now life will get just a little easier. God I love babies but my goodness they disrupt your life. Each time one of mine is starting to get older and a little easier I found myself expecting again and back to the beginning of the crazy obstacle course they call newborns.

    Off to the waxing lady in the morning (thank goodness!) and then collecting a friend to come over with her children for the day. Nice easy one, hoping to make some soup for lunch seeing as I've declared it autumn/winter now in my house!
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 2nd Sep 17, 7:38 AM
    • 373 Posts
    • 902 Thanks
    Angela84
    Was a good day yesterday, £9 spent with the waxing lady and then had friends over for the day so no money spent there. I do feel lucky I've got the space to be able to have friends with their children over to me, although I know I've always loved having people over, no matter how big or small my house is. We've got a massive trampoline which every child who visits just loves. Baked a big cake whilst they were all here which was yum too and all the children helped.
    And now today looks to be a sunny day, so this morning we'll take a trip to the park to work off some energy, and then home this afternoon for grandma to come over and we're off out to a concert with VIP tickets. Definitely going to be a quiet day tomorrow!
    Bills have wiped me out for this week so it'll be a very low spendy week this week!
    Last edited by Angela84; 06-09-2017 at 7:08 AM.
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 3rd Sep 17, 10:11 PM
    • 373 Posts
    • 902 Thanks
    Angela84
    Well the concert was brilliant, obviously drank too much, had a Barney with OH, sorted it out, got chicken burgers on the way home. Have suffered with 'hangxiety' all day today, convinced the world hates me. It's finally starting to lift now. 2 nsd's in a row was good for the weekend.

    Tomorrow 2 of my 5 are back to school, they decided they want pack lunches now which is going to save me loads as it's £2 a day for hot dinners. Going to have a cheap day out with my oldest tomorrow as it's our last day together before he starts secondary school Tuesday. His school meals are £3 a day so that's a new bill starting from this month.
    Can't believe it's September already, it'll be Christmas next! We keep Christmas very simple in our house, 1 present each, plus a small stocking. They get gifts from family members too. My children are hard to buy for as they don't want or need anything amd I hate gift giving just for the sake of it so I spend some time thinking what they'd love the most and what will be the most useful for them.
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 6th Sep 17, 7:15 AM
    • 373 Posts
    • 902 Thanks
    Angela84
    Oops haven't updated here fir a few days! That hangover on the weekend has kept rolling until yesterday I think!
    Well money wise all is well, my friend sent me the money for the bridesmaids dresses which was handy. From this Friday I'll be focusing on barclaycard and trying to clear that by January.

    Meal planning is all on track and pack lunches are going well which is great, I just need to stay organised and not run out of time in the mornings. Staying organised is always hard for me as I'm a naturally disorganised person I think, but I've come to realise routines and plans are what make life easier in the long run with 5 children.

    Today I've not much planned, 4 out of 5 are back to school or nursery so I should really get on with housework and try and go to bootcamp.
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 6th Sep 17, 9:06 PM
    • 373 Posts
    • 902 Thanks
    Angela84
    Well I stayed on plan today, went to bootcamp which I don't pay for as I paid upfront in January for the year, and have 6 weeks until our big family holiday in Benidorm so want to feel a little more conference before I go.

    Picked up some free clothes from a local lady for holiday too. Have ordered some stuff from a catalogue but already feel guilty about it so reckon I'll end up sending it all back!

    Had a nsd day today, yes!
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 7th Sep 17, 6:38 AM
    • 373 Posts
    • 902 Thanks
    Angela84
    Another week nearly done. Get paid tomorrow so as long as I can have a nsd then I can transfer everything in my account to barclaycard this evening.

    Got a free trial for my toddler today at a local gymnastics club.

    And hopefully selling some things locally, a laptop we don't use and a Pokemon go plus so that's be £120.

    I was on the fence about having a birthday party for my toddler, I haven't had birthday parties for my older boys for years as they've no interested but it's all my 2yr old talks about so I've agreed to hire a hall and have a load of little ones come for party food. It'll all be done on super budget though. Selling those 2 things will fund everything, that's the plan!

    Collecting a free garden table and chairs today too as saw one being given away, needs a bit of paintin work so that's a good project for hevand the boys next week.
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 7th Sep 17, 10:17 PM
    • 373 Posts
    • 902 Thanks
    Angela84
    Well today took an unexpected turn as I ended up at a nhs walk in centre with my 5yr old and it turns out he broke his elbow last night play fighting. So we had greggs to cheer him up with his little arm in plaster bless him

    Other than that was a nsd, popped round to a friends after school and was treated to dinner. So the £16.71 that was left in my account a minute ago has just gone straight to Barclay card, every little helps!

    I get paid every Friday so the plan is £100 each Friday, and then by Thursday evening if anything is left I'll transfer that as well. 17 Fridays until 2018. £2000 to clear. That's £117 per week on average. Keep calm and carry on!
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Cherryfudge
    • By Cherryfudge 7th Sep 17, 11:29 PM
    • 685 Posts
    • 2,107 Thanks
    Cherryfudge
    Keep soldiering on! That time will go by... and how are you fitting Christmas into this?

    Sorry to hear about your little boy's arm. I'm glad a Gregg's put it right! And bones heal quickly when you're that age.
    • Angela84
    • By Angela84 8th Sep 17, 7:07 AM
    • 373 Posts
    • 902 Thanks
    Angela84
    Thanks cherry! It's a good point about Christmas, I generally don't spend very much but still, yes you're right, it needs to be factored in!

    Well just did my first £100 to barclaycard, feels good!

    Today won't be a nsd as I've got to do petrol, foodshop for the week and I've got 3 children birthday presents to buy.
    Also have a free garden table and chairs to collect someone was giving away, a nice wooden set that just needs a sand and paint.
    And then tonight off out to the theatre as a treat with my family to see a local comedian. Have offered to drive so I don't drink as really trying to cut back, that hangover last weekend has put me off for a long time!
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
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