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  • FIRST POST
    • Angela84
    • By Angela84 19th Jun 17, 4:40 AM
    • 370Posts
    • 898Thanks
    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 5
    • Angela84
    • By Angela84 9th Sep 17, 8:36 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    Well I ended up drinking and not driving but still was a good day, had bought the birthday boy a framed pic of paw patrol and turns out that's his favourite thing, it was the party theme and everything.
    Has been a nsd, woo!

    Last nights theatre trip was lovely too.

    And bit of a mystery, have had £100 put in my account today, it just says 'compensation' I'm wondering if it's NatWest charges refund. I'm sure I looked into it all but I haven't had any correspondence! I'll just wait and watch I suppose.
    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 10th Sep 17, 12:23 AM
    • 677 Posts
    • 2,085 Thanks
    Cherryfudge
    Ooh, what a nice surprise! Well done on the nsd too.
    • Angela84
    • By Angela84 10th Sep 17, 7:58 AM
    • 370 Posts
    • 898 Thanks
    Angela84
    Yeay it's Sunday! Have nothing planned which feels good. Have lots of washing to put away this morning, and a bit of a tidy, and then who knows! There's a free event in the local park with bouncy castles etc so if it's not raining we'll head over there I think.
    Love this area, next week they've got a free outdoor cinema playing films all day!
    Got to visit Aldi for a foodshop, have meal planned and have ran my cupboards and freezer right down which feels good.

    Off to pr!mark with some friends tomorrow, dont actually need anything except a couple of new bras, so will try and stay strong! Am finally starting to be happy with my body again which I know means when I try clothes on I'm tempted as I think they all look so much better than a few months ago!
    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 10th Sep 17, 1:55 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    Just thinking I think I'm going to set myself a few little challenges to keep me motivated. I'm on 5 nsds so far with another 20 days to go so I'd like to target myself for another 10.
    I don't think there's much I can do with my food shop as I've worked hard to drive they right down over the past 18 months.
    I'm taking septmeber as my diy month as there's a few bits to complete, and then October it's our holidays and the girls party and then November I'll be focusing on Christmas.
    So I'm targeting myself to get my front garden planted up for winter as cheap as possible. My back garden fence needs the paint finishing. And inside the walls need a freshen up with white I already have.
    So that's my plan of action for September.
    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 11th Sep 17, 7:24 AM
    • 370 Posts
    • 898 Thanks
    Angela84
    Monday!

    Well today is not going to be a nsd. Have just paid online for my sons school dinners for the month, so that's £50 gone already. Next I'm doing to schoolnrun then off to primark with some friends where I'm going to try and stay strong and not just chuck stuff in the basket. I won't be going shopping again before Benidorm next month but I really don't think there will any summer stuff left anyway. And I also don't think we actually need anything, we've all got plenty of summer stuff I've packed away already in suitcases.
    Then later I'm hopefully going to running club when the children are in bed.
    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 11th Sep 17, 11:11 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    Well I didn't manage to stay strong in Primark. The summer stuff was still there, all reduced. I spent £46. So I bought what I needed, 2 bras for £14. (This has hopefully saved me 5k as I've been researching breast implants recently!)
    The other £32 went on: 3 dresses £8, 1 skirt £2, 1 pair of shorts £4, 1 pair of jeans £5, 5 tops £12 and some hair accessories £1. So not too bad really!
    Now that is me officially done for holidays. I've never bought new holiday clothes before but this holiday has got our family so excited so I'm going to stop being the pessimistic frugal one for once and roll with it.

    Went for a run tonight too, haven't been to my running club for 4 months but did 4 miles tonight and throughly enjoyed it. Really want to feel body positive on holiday, felt very uncomfortable when we went away in may and don't want to feel like that again.

    I have ran my freezer to now completely empty except ice cubes and 2 naan breads! Cupboards empty except half a pack of spaghetti and the usual condiments. And fridge just some salad bits. Half a loaf of bread, some butter, enough for lunchboxes tomorrow. I love how freeing it feels to have nothing! Won't last for long though as have 5 hungry mouths to feed so off to Aldi tomorrow, having waited since last Friday. I'll try and meal plan until next Friday now to save 2 trips, so that's 9 meals. Budget aim is £45.
    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 12th Sep 17, 12:31 AM
    • 677 Posts
    • 2,085 Thanks
    Cherryfudge
    Argh - the Pr!mark sale! Now I want to go!

    Great bargains there, had to laugh at your saving 5K! I saved a lot by wandering into Pr!mark and getting some running leggings in the sale a couple of months ago... maybe I should go and see if they have any runner's jackets too, so as to be ready for the winter? Now see what you've started!

    I like your list of things themed months from now till Christmas. September is a good one for DIY, you can still air newly-painted rooms and plant the garden on fine days. I've got a few DIY things to complete but I'm not sure if I'll get them done in September.
    • Angela84
    • By Angela84 13th Sep 17, 11:03 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    I can't say I saw any running jackets in my local primark, but then again I wasn't look for one! A friend gave me mine from sports direct, nice and bright and visible.

    I think i realised why I want to repaint the whole house, it's that damn low winter sun that shines through your windows now and makes everything look disgusting and filthy. Or maybe that's just my house! Happens every year to me.

    Food shop went to plan so that's me sorted with 10 meals. Off to get sons arm plastered tomorrow at the hospital so I'll make sure to pack us lunchboxes up. Will have to pay for parking though so can't be a nsd. Arranged to borrow bridesmaids shoes so that's saves me buying some.

    Today was a nsd wooo! So that's 6/15. 9 to go before the end of sept. Still doable. Weekends seem to be easier ones for me as my husband is home and tends to pay for whatever we're up to.
    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 14th Sep 17, 6:53 AM
    • 370 Posts
    • 898 Thanks
    Angela84
    Thursday!

    Just got the hospital today with my son as our plans, with some lunchboes and hopefully not spend too much on parking.
    House work this evening after dinner.
    Tomorrow I hope to start some painting
    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 14th Sep 17, 7:02 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    Well the hospital went well, he's got a fab orange cast to show all his little friends in school tomorrow.
    Just spent money on parking so that was good. Bought them a drive through on the way back though as they'd been so good.

    Just finished dinner and bedtimes so on with the housework. We're looking after my SILs dog and the poor thing has got so happy to see me this afternoon it's wagged it's tail so much it's cut it. Blood over every wall right now
    The timing is good as needed to wash all the walls down ready for a repaint tomorrow anyway.

    Get paid tomorrow so if I had any money left in my account today I'd send it straight to barclaycard, but sadly, I have £0. Not to worry, I'll be doing my £100 in the Morning. Don't need any foodshop this week or petrol though as have done both of them already so that's good.

    Budget for next week needs to include £100 for DS1's school trip. Then another in Nov and Jan. Wish they could space it out a little more, £20 a month or something. He's not going until next June.

    The clothes i ordered from H&M and studio arrived and they are all lovely but I have plenty now from my primark visit Monday so I'm sending them all back. H&M is free returns but I didn't realise I had to pay for studio returns! Not using them again!
    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 14th Sep 17, 11:47 PM
    • 677 Posts
    • 2,085 Thanks
    Cherryfudge
    I'm assuming the dog goes home before you do the painting, or you'll end up with painty hairs on the walls!

    I never knew H&M does free returns...! (Scurries off to investigate).
    • Angela84
    • By Angela84 17th Sep 17, 3:27 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    Had a great weekend, didn't manage a nsd for Saturday as bought dinner whilst at my dads but have had one today.
    Popped to home bargains and husband gave me his pocket full of change and found all their pansies and violas were reduced to 40p per tray so got all I needed for super cheap.
    Finished painting my fence so that's the outside jobs done now, all that's left is painting inside.
    Had a nice afternoon today conker hunting, children love to do it each year and it's a nice free activity.
    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 18th Sep 17, 10:32 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    Another nsd day today woohoo!
    Did (free) bootcamp this morning, home for healthy lunch and organising school things, I volunteered to deliver prospectuses to local preschools, and then this evening planned on going to running club but my back was sore from bootcamp this morning so sat this one out.
    Meal plans are going well, all on plan to last until Friday, maybebjust need to top up tomorrow with milk and bread. Baking cookies tomorrow for lunchbox treats. I don't know why my goal is to have empty kitchen cupboards when most people wish for full ones!
    Meeting a friend at softplay tomorrow with the little ones so won't be nsd but will be cheap.
    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 19th Sep 17, 8:39 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    A bit of a spendy day today, haven't had one in a while. Went to the shopping centre to meet s friend for softplay, had lunch and then walked around the shops. Bought myself some makeup, I've been wanting some new things for ages but somehow I can't justify spending money on makeup when it's just so small! So I bought the cheapest stuff, might live to regret that though!
    Returned my studio catalogue parcel, was £5.60 to return, was just under the next weight class which would have cost me over £12! Not buying anything from there ever again!
    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 21st Sep 17, 7:01 AM
    • 370 Posts
    • 898 Thanks
    Angela84
    Thursday!
    Yesterday was a nsd again, woo! That’s 9/15 with 10 days to go!
    I booked us into our flights for our holiday in October, that was a bit exciting. Did bootcamp, very muddy!
    The cupboards are very bare now, have one more meal left for today and that’s it. Found an old packet of angel delight last night for pudding for the children.
    Have just enough money left for going out for tea tonight with lots of school mums for a little boys birthday. Visiting family today so no other spends planned.

    Next week is going to be very spendy, I’ve done my sums and I can’t afford to pay my normal £100 to barclaycard even
    Last edited by Angela84; Yesterday 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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 21st Sep 17, 8:49 PM
    • 1,005 Posts
    • 1,053 Thanks
    HairyHandofDartmoor
    We all get expensive months like that, but it is frustrating

    Would it be cheaper for the kids to have packed lunches? I always found I could make them for a fraction of the cost of school lunches.

    Can you ask if you can pay for the school trips in instalments? I'm sure most schools let you if you ask.

    It's great that you have the holiday to look forward to .
    Debt at highest = £58,766 Current debt = £16,234

    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Angela84
    • By Angela84 22nd Sep 17, 8:05 PM
    • 370 Posts
    • 898 Thanks
    Angela84
    Well had a good thrifty day today, got my petrol I needed and then visited an outlet centre with a friend and didn’t spend a penny! Looked but knew there was nothing I needed.
    Also my kind nan offered to pay for my sons school trip as she’s beeen saving for him for years and has a nice healthy pot.

    Hi hairy! Yes we do pack lunches some days, I’m getting more in the routine of making them each morning. I find it hard as my son asks for hot dinners most days as he loves them so I’ve compromised and said he can have 2 per week. I hate to have him begging me though. And his younger brother gets them free still. I don’t want jealousy though so packnlunch days means everyone gets packed lunch.
    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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 22nd Sep 17, 9:10 PM
    • 1,005 Posts
    • 1,053 Thanks
    HairyHandofDartmoor
    That's really sweet of his nan to pay for the trip . Good idea to have school lunches on a couple of days for a treat, saves money and keeps the kids happy.

    You did well not spending on the outlet, I love coming out of a shop empty handed .
    Debt at highest = £58,766 Current debt = £16,234

    Long Hauler No. 156 Spendaholics Anonymous No. 47
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