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  • FIRST POST
    • Angela84
    • By Angela84 19th Jun 17, 4:40 AM
    • 388Posts
    • 951Thanks
    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 /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
Page 6
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 25th Sep 17, 9:03 PM
    • 1,372 Posts
    • 3,315 Thanks
    HairyHandofDartmoor
    I always feel guilty about buying things that aren't essential but it can cheer you up sometimes, as long as you don't do it too often.

    You're doing well with the garden improvements.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Angela84
    • By Angela84 25th Sep 17, 10:43 PM
    • 388 Posts
    • 951 Thanks
    Angela84
    102 posts, how great! I never stick at anything so I’m pleased I’ve keot going on here. It’s defintely kept me motivated, as I could so easily have ran out of steam now I’ve paid my 2 ancient overdrafts off and just carried on paying the minimums on the interest free credit cards every month. But no! Onwards and upwards!

    I’m on 11/15 NSDs for September! I hope to make it to 1 more but I fear that’ll be it looking at my diary. That’s ok, 15 was rather hopeful and I’d not tried this challenge before so I didn’t know what to expect.

    Nsd today and did what I planned to do, painting. Redid all the walls downstairs in white so it’s freshened it right up. Now to finish some satin bits and the place is ready for the winter festivities. Must sound silly but I have a live/hate feeling when I get near the end of a to do list. I start looking around fir new projects. I really don’t have anything I can do really, I don’t need to do anymore painting as I like the whole house white. Garden looks lovely. Cupboards are all organised. Hmmm.
    Last edited by Angela84; 25-09-2017 at 10:46 PM.
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Cherryfudge
    • By Cherryfudge 25th Sep 17, 10:50 PM
    • 740 Posts
    • 2,534 Thanks
    Cherryfudge
    So sad to lose your previous bracelet. Is there any chance you could make an insurance claim?

    DD had a charm bracelet which she took to Uni but lost a really special charm off it in a club and stopped wearing it after that, as it was so expensive to insure and then she went travelling and didn't want to risk it. If you are collecting for your daughters, do make sure you have some sort of cover for them - some of those charms can't be bought later and one that DD valued had been put on by the shop but the link broke.

    Having said all that, they are a lovely way to collect memories of special occasions.
    • Angela84
    • By Angela84 26th Sep 17, 7:45 AM
    • 388 Posts
    • 951 Thanks
    Angela84
    Aw that’s a shame to hear cherry!

    Yes that’s a good idea about cover, I’m already in love with the charms and what it all signalifies.
    And good news, put on a coat yesterday and found my Swarovski one in the pocket. So I now have 2 bracelets, lucky me!

    After my last posts about projects, have found something new to focus on for a few days, my photos and videos on my phone. I have 2000 photos and 300 videos and need to sort uploading them and sorting through them so that’ll be my project this week once the children are in bed. Feel so much better knowing I have a job to do!

    Off to softplay today, meeting some friends, but packing lunchboxes to keep costs minimal.
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 26th Sep 17, 11:29 PM
    • 388 Posts
    • 951 Thanks
    Angela84
    Well an unexpected but welcome nsd again today! My friend’s husband works at the softplay we visitors so we got a freebie! And we popped into nanny’s house on the way who topped up our lunchboxes as the toddlers has scoffed most of it on the journey already!
    So that’s 12 for the month with hopefully number 13 tomorrow. No plans tomorrow. Friends are going to the shops but I’m staying strong and going home. Do some pta work and house work
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Cherryfudge
    • By Cherryfudge 27th Sep 17, 12:22 AM
    • 740 Posts
    • 2,534 Thanks
    Cherryfudge
    How lovely to find the 'lost' bracelet!

    Nice to get the freebies too Stay strong - remember we are reading!
    • Angela84
    • By Angela84 28th Sep 17, 7:03 AM
    • 388 Posts
    • 951 Thanks
    Angela84
    Any another nsd yesterday. 3 in a row! Just been doing my sums for the month as it’s almost October and im still confident I can keep clearing my barclaycard and I’m going to put my 7yr old only school dinners as he’s asked and asked.

    Got a friend over to do my hair today and then tomorrow I’m off to my friends wedding so not sure what to expect I’ll be spending this weekend.
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 29th Sep 17, 6:48 AM
    • 388 Posts
    • 951 Thanks
    Angela84
    Friday! Just sent £100 to barclaycard. Didn’t like last week that I ended up not sending anything to it. I will get it cleared in 2017!
    Had my hair done yesterday, so paid my friend for that, and today off to do my weekly foodshop and tidy the house and then I’m leaving lunchtime for the wedding weekend. Children are staying at home with my husband.
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Cherryfudge
    • By Cherryfudge 29th Sep 17, 12:30 PM
    • 740 Posts
    • 2,534 Thanks
    Cherryfudge
    Have a great weekend!
    • Angela84
    • By Angela84 1st Oct 17, 7:04 PM
    • 388 Posts
    • 951 Thanks
    Angela84
    Woo what a weekend! Wedding was beautiful.
    Sadly though I overspent, thankfully having just done my sums I should be just ok for the week. It was just lots of situations where we were expected to put our hands in our pockets and so I just need to remember to budget more for weddings in the future.
    Another bit of a shame about the weekend was I suffered from awful anxiety from just before I left on friday and then all weekend. Anxiety is quite a new feeling to me, I don’t understand it or like it, and I’m struggking to even believe it’s a real thing! But I just didn’t feel comfortable all weekend. So I think I’m going to visit the doctor this week.
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 3rd Oct 17, 4:00 AM
    • 388 Posts
    • 951 Thanks
    Angela84
    Well yesterday was a NSD so a good start to my week. Today will hopefully be as well as no plans to spend, it’s my daughters first birthday so we’ve just got some friends coming over. Haven’t bought her anything! That’s not really a money thing though, simply because she’s 1 and doesn’t need anything!
    Have meal planned for the week, have no plans except Thursday when my sons cast is coming off at hospital. Starting to look ahead to Christmas now, need to spread the costs if I’m still hoping to pay off barclaycard by 2018 as well. Friday I’m buying some second hand ps3 games for my boys so that’s a start.
    Last edited by Angela84; 04-10-2017 at 10:56 PM.
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 4th Oct 17, 10:59 PM
    • 388 Posts
    • 951 Thanks
    Angela84
    Another no spend day today so that’s 3 in a row! Really like these no spend days, like how they’re becoming very normal for me. I’m just glad I’ve got nothing I need to spend money on, always taking pack lunches and drinks with me for the children, knowing there’s enough food in the house and getting petrol the same day each week.
    Tomorrow I’ll have to spend as we’ve got hospital so need to pay for the car park, but there shouldn’t be anything else, unless I treat us for lunch before hand. I might do.
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Oct 17, 9:16 PM
    • 1,372 Posts
    • 3,315 Thanks
    HairyHandofDartmoor
    Sorry to hear about your anxiety Angela. I hope it doesn't happen again but it's a good idea to see your doctor. Weddings are always expensive .

    You're doing well on the NSDs .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Angela84
    • By Angela84 7th Oct 17, 7:41 AM
    • 388 Posts
    • 951 Thanks
    Angela84
    Thursday was a nice cheap day, met friends for lunch before taking my son to the hospital, and my friend got us lunch as it had been my turn last time. So all I spent Thursday was £2.50 on parking, happy days!
    Friday I did my food shop but decided on a very cheap week as have meals left over from last week so only spent £25 in Aldi. Paid £100 to Barclaycard, woo!
    Nice cheap weekend planned, children’s birthday party today and then going for a nice autumn walk tomorrow. 9 days to Benidorm, getting excited now!
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Angela84
    • By Angela84 7th Oct 17, 11:34 PM
    • 388 Posts
    • 951 Thanks
    Angela84
    Another cheap day, got my weekly petrol, and that’s all that was spent. Husband gave me some change to put in the birthday card for our friend; after years of buying presents that I’m always unsure if they’ll like it enow adopted a diffeeent strategy, and it’s working well: I stick a load of pound coins in a card. The children like peeling them all off and seem to enjoy the fact they’ve got their own money, and the parents can let them chose what they like. Or it can just go in their purse, I don’t actually mind.
    I don’t give a lot of gifts nowadays. I’ve agreed with most friends now mutually not to bother, but if it’s a proper party I still tend to.
    Having my daughters party soon, after a few years of not having parties, will be tough, I used to feel awful receiving tonnes of toys I knew my children wouldn’t play with. I used to save stuff and regift it but I’m not sure what I should do this time. Maybe spread the word about something she’d like that would be useful, like hair bands and books and craft things.
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Cherryfudge
    • By Cherryfudge 8th Oct 17, 12:15 AM
    • 740 Posts
    • 2,534 Thanks
    Cherryfudge
    I hoped the doctor can be helpful: anxiety's such a bad feeling, and if you can't find what's set it off, it's hard to know how to deal with it.

    How are preparations for the party going?
    • Angela84
    • By Angela84 10th Oct 17, 7:33 AM
    • 388 Posts
    • 951 Thanks
    Angela84
    Doctor rang me and prescribed me beta blockers so I’ve been experimenting with them this week and I do feel they are helping, thankfully.

    Sunday was a lovely day, we visited a beautiful forest, and at this time of year it was just amazing to see all the colours. I just love nature, it just feels so refreshing being outdoors! A nsd too as took picnic and drinks.
    Monday did errnads and bits and bobs, had to spend a little in Aldi and Iceland for food top ups.
    Now today I’m off to meet some Mum friends at softplay, which will be free again as it’s my friend’s husband’s place, naughty but handy!
    12 more weeks of barclaycard to go, the end is in sight! Feel so proud of myself to getting so far into this journey without just giving up. Could have so easily got all spendy again, but just keep focusing on that debt free time next year.

    Party prep is all good, have hired a hall with a bouncy castle, invited lots of little people and going to do some big trays of food, then a cake at the end that you let the birthday girl blow germs all over, what a lovely tradition!
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Oct 17, 9:33 AM
    • 1,372 Posts
    • 3,315 Thanks
    HairyHandofDartmoor
    Your'e doing really well Angela, only twelve weeks for the Barclaycard is fantastic .

    Glad the stuff the doctor gave you is helping with the anxiety.

    I love Autumnn walks too, all those lovely colours

    Hope the party goes well.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Angela84
    • By Angela84 11th Oct 17, 11:18 PM
    • 388 Posts
    • 951 Thanks
    Angela84
    A funny day today. 6 days before we go to Benidorm, and I kind of oaniced and found myself in town on my own walking around the shops, wondering why I was there! I don’t like going to the shops at the best of times, but without a purpose was so unlike me.
    I did get 2 pairs of jeggins for £14 as realised I wear the same 4 pairs, 3 of which had bleach stains on them. And a new winter coat for £23 as my one from last year has never really grown on me and I knew I would be looking for a new one sooner or later.
    Meal plans went well tonight, left over chilli from last night, plus chicken fajitas mix, so everyone could choose either to put in their wraps.
    Dentist tomorrow Need a filling
    Next week will be a cheap one as not here from Tuesday so won’t be doing much of a food shop this week, and won’t be buying petrol either. It should work out I can throw more money at barclaycard fingers crossed.
    I can deny it was more exciting paying off debts when I first started as I started with the smallest ones so the victories and ticks on the list happened more often. This barclaycard I can obviously see going down but it’s slower. Next years going to be a long old road with the Lloyds £4450 card. Will have to think of mini challenges to keep me motivated
    LBM January 2017 £9850 debts /// Oct 2017 £3940 paid £5910 to go (40%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £2050 £1500 Lloyds C/C £4750 £4410

    Been in debt for 15yrs, trying to become debt free in 15 months
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Oct 17, 8:48 AM
    • 1,372 Posts
    • 3,315 Thanks
    HairyHandofDartmoor
    It is much harder to be motivated by big debts as they do go down agonisingly slowly. Mini targets is a good idea.

    How about a little reward for yourself every time you pay off £500? You could also have a wall graph (where only you can see it, for example your bedroom) and stick gold stars on it whenever you pay off a set amount.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
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