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  • FIRST POST
    • Hayles70
    • By Hayles70 6th Jul 17, 12:26 PM
    • 31Posts
    • 47Thanks
    Hayles70
    Time to get serious about sorting my debt
    • #1
    • 6th Jul 17, 12:26 PM
    Time to get serious about sorting my debt 6th Jul 17 at 12:26 PM
    Hi,

    I've been lurking about on here for years and have been spiralling deeper into debt all this time. I'm now sick of being in debt and not being able to afford nice things with real money. I've not defaulted on any payments but I'm making the minimum payments only so not getting anywhere. I've not had the best year so far but I'm keeping positive and am determined to sort myself out.

    So here goes....

    My current unsecured debt is:

    Barclaycard: £11,060
    Tesco CC: £6,388
    NatWest CC: £7,331
    Next: £382
    Overdraft: £1000

    Total debt: £26,161 (wow, that is a scary figure!)

    I live with my husband and 1 year old daughter in a rented house, but I also own a house that I bought when I was 21 before I met my husband. I rented it out for around 6 years and have been trying to sell it for the last two with no luck. This has added a significant amount to my debt as I have been paying the mortgage and council tax for two years. I also reduced to part time hours at work after I returned from maternity leave.
    I am now renting it out again, the tenant moved in on Tuesday. The rent will cover all costs.

    Just to add to all this, I had spinal surgery on Monday so am now in a 4-6week recovery period. I am also being made redundant (currently in the consultation period) so I'm looking for a new job. I'm really trying to keep positive, I'm looking for full time work even though I'm gutted about leaving my little girl, I know it's the best thing for her future.

    Im not going to post an SOA until I find a new job but needed to start and think about things I can do whilst I'm laid up recovering for the next few weeks. I've already reduced my gas and electric bill by changing supplier and have reduced our virgin package. I should save at least £100 in petrol as I can't drive for 4 weeks.

    Thanks for reading.
    Last edited by Hayles70; 05-08-2017 at 1:57 PM. Reason: Mis-typed Next debt figure and subsequently total figure
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
Page 1
    • jvr
    • By jvr 6th Jul 17, 12:37 PM
    • 324 Posts
    • 1,134 Thanks
    jvr
    • #2
    • 6th Jul 17, 12:37 PM
    • #2
    • 6th Jul 17, 12:37 PM
    Hi Hayles70


    Big thing is writing it down and facing it sounds like you have a lot up in the air at the moment which is hardest part


    Good luck
    10 month debt free challenge + trip to South Africa starting on the 21st of July 2017!

    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £900£9000 paid......... £8100 to go!
    10%PAYED
    • Hayles70
    • By Hayles70 10th Jul 17, 11:36 AM
    • 31 Posts
    • 47 Thanks
    Hayles70
    • #3
    • 10th Jul 17, 11:36 AM
    • #3
    • 10th Jul 17, 11:36 AM
    Ok, so it's Monday and the start of a new week. My operation was a week ago and my husband had last week off work to look after me and our daughter. Today, Hubby is back at work and my daughter has gone to her grandparents for the day. I'm feeling well but I know I have a long few weeks of recovery ahead.

    I've already completed some surveys this morning.

    Today's tasks

    -job search
    -Amend my CV to apply for a job I found last week.
    -find a recipe for butternut squash soup
    -find a new, cheaper mobile phone contract

    Confession

    I'm going to have to increase my debt to buy a new mattress
    I've been thinking/worrying about this all weekend because obviously I don't want anymore debt but we desperately need a new mattress for the sake of my back. I'm so uncomfortable and struggling to sleep, which is no good for my recovery. We don't have any savings or emergency funds for it so I'm going to buy it on my Next account.

    I honestly can't wait to get a new job and get some extra money coming in. Just want to crack on with my debt free journey now but I must be patient.
    I will get a little bit of redundancy pay, nothing significant, but I will be able to clear my Next account including the mattress!

    I'm going to keep track of our grocery spend for this month to see how much we actually spend. We are really good at planning our weekly meals and make nearly every meal from scratch. Our 'big' shop is good value for money and we have a very good balanced diet but we slip up when we go to buy milk and bread and spend £30! It doesn't help that I love supermarket shopping, it's like a hobby! Thank goodness, I can't drive for four weeks, I might actually save some money!

    Over and out..
    Last edited by Hayles70; 24-07-2017 at 10:36 AM.
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • EssexHebridean
    • By EssexHebridean 10th Jul 17, 12:13 PM
    • 7,786 Posts
    • 40,315 Thanks
    EssexHebridean
    • #4
    • 10th Jul 17, 12:13 PM
    • #4
    • 10th Jul 17, 12:13 PM
    when you pay off the Next account - make sure once you have confirmation that it's clear you close it completely to cut the temptation to use it again - and get an emergency fund together as a priority after that - there are FAR cheaper places you could have bought a decent mattress from I'm sure had you had the funds there to do it!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • Hayles70
    • By Hayles70 12th Jul 17, 11:10 AM
    • 31 Posts
    • 47 Thanks
    Hayles70
    • #5
    • 12th Jul 17, 11:10 AM
    • #5
    • 12th Jul 17, 11:10 AM
    Morning!

    Some good news, my mum offered to buy our new mattress (apparently she told me she wanted to buy us one when I was in hospital, I don't recall this, I'm blaming the morphine!).
    Yesterday we went on my first little outing since the op, to a local department store that is closing down and ordered a great mattress, should have been £900 reduced to less than half price. It will also be delivered by the end of the week (Next was going to take 3weeks!).

    So I've now decided to save my redundancy money for an emergency fund, then I can just start the debt free journey on a positive. I've also decided to start my food shop spending diary on the 23rd of this month as it is pay day for both me and hubby and I will be driving again so it will be more of a true reflection.

    Yesterday, I spent £6 on a necklace and a bundle of tea towels because obviously I really needed them!

    Today I'm going to complete some job applications and set up YNAB on my very sssllllllooooowwwww laptop.

    Laters...x
    Last edited by Hayles70; 12-07-2017 at 3:59 PM.
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • EssexHebridean
    • By EssexHebridean 12th Jul 17, 3:12 PM
    • 7,786 Posts
    • 40,315 Thanks
    EssexHebridean
    • #6
    • 12th Jul 17, 3:12 PM
    • #6
    • 12th Jul 17, 3:12 PM
    Morning!

    Some good news, my mum offered to buy our new mattress (apparently she told me she wanted to buy us one when I was in hospital, I don't recall this, I'm blaming the morphine!).
    Yesterday we went on my first little outing since the op, to a local department store that is closing down and ordered a great mattress, should have been £900 reduced to less than half price. It will also be delivered by the end of the week (Next was going to take 3weeks!).

    So I've now decided to save my redundancy money for an emergency fund, then I can just start the debt free journey on a positive. I've also decided to start my food shop spending diary on the 23rd of this month as it is pay day for both me and hubby and I will be driving again so it will be more of a true reflection.

    Yesterday, I spent £6 on a necklace and a bundle of tea towels because I needed them obviously!

    Today I'm going to complete some job applications and set up YNAB on my very sssllllllooooowwwww laptop.

    Laters...x
    Originally posted by Hayles70
    Maybe start a more general spending diary...and maybe start it right now?

    Actually, I'd start the food one now as well - you can always view the next couple of weeks as "practise" but really, there's no benefit in putting it off. Go on - do it, I dare you!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • Hayles70
    • By Hayles70 12th Jul 17, 7:26 PM
    • 31 Posts
    • 47 Thanks
    Hayles70
    • #7
    • 12th Jul 17, 7:26 PM
    • #7
    • 12th Jul 17, 7:26 PM
    Evening,

    So annoyed, I spent all day on a job application and then my bloody laptop died on me and didn't save what I'd done. Grrrr! Luckily I've found an app so that I can complete it on my IPad instead. Thankfully the closing date isn't until Monday.

    I looked at YNAB earlier but didn't realise that you have to pay a monthly subscription so I've decided against it for now. I think I can manage without it.

    On a positive note, I haven't spent any money today and I think I might be due about £90 back from my electric bill as I've just changed suppliers and my account was in credit.
    Also, the in-laws looked after my dd for the day and bought us an M&S meal deal. Yum!

    We really are so lucky to have such supportive parents. It just makes me even more angry at myself for getting in debt, we have nothing to show for it and we just don't save for things, until now......I will do this! #determined
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Hayles70
    • By Hayles70 12th Jul 17, 8:02 PM
    • 31 Posts
    • 47 Thanks
    Hayles70
    • #8
    • 12th Jul 17, 8:02 PM
    • #8
    • 12th Jul 17, 8:02 PM
    Maybe start a more general spending diary...and maybe start it right now?

    Actually, I'd start the food one now as well - you can always view the next couple of weeks as "practise" but really, there's no benefit in putting it off. Go on - do it, I dare you!
    Originally posted by EssexHebridean
    Oooo a challenge! Silly question but what is the best form for a spending diary? As in, is there a good app or is it best to use good old fashioned pen and paper? Thanks in advance.
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • GeorgianaCavendish
    • By GeorgianaCavendish 12th Jul 17, 8:55 PM
    • 513 Posts
    • 2,305 Thanks
    GeorgianaCavendish
    • #9
    • 12th Jul 17, 8:55 PM
    • #9
    • 12th Jul 17, 8:55 PM
    Hi Hayles, welcome to the forums and well done on starting your Debt Free Diary

    I'm really glad that you got the mattress sorted without needing to use your Next account, I was going to suggest that you check out outlet stores for chains like Dreams if you needed something now and at a decent price but you've already got it sorted

    If you're just starting to track your spending have you considered using OnTrees? I love it! Its a website/app that connects all your bank accounts, credit cards etc, and gives you a breakdown of everything you've spent in the past 12 weeks. It automatically categorises them but you can edit and add categories that are more suitable to you. It was such an eye opener the first time I did it!
    I think its better than pen and paper or manual tracking via an app because there is always the temptation to cheat a little bit, or to maybe modify behaviour slightly because you know you are recording spending. I just wish there was a diet version of OnTrees that would tell me everything I've eaten over the past 12 weeks without me needing to track
    Georgiana, Duchess of Debt-shire's July 2017 Debt Totals: HSBC Loan £11,362.14 / MBNA £3318.34 / Barclaycard £6360.70 / Lloyds £3560 / Tesco £972.50/ Dreams £259

    And don't forget the Student Loan! £10,765.93 (April 2017)
    • Hayles70
    • By Hayles70 12th Jul 17, 10:20 PM
    • 31 Posts
    • 47 Thanks
    Hayles70
    Hi GeorgianaCavendish,

    Thanks for your post. I've never heard of OnTrees but I will look into it now.
    Its amazing how much more positive I feel, just from starting my diary. I find my debt really embarrassing so I don't talk about it with friends. I guess this is the therapy I've needed all along!

    Thanks again.
    Last edited by Hayles70; 12-07-2017 at 10:49 PM.
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Hayles70
    • By Hayles70 14th Jul 17, 7:14 PM
    • 31 Posts
    • 47 Thanks
    Hayles70
    Evening,

    I have had a look at OnTrees and although I like the idea, I'm not comfortable with the disclaimer that your bank may not pay out for any fraudulent activity because you have this app, so it's a no from me.

    I've received my 1st rent payment from my house. It's not the full amount, as the letting agent's initial fees have been deducted but it's better than nothing.

    x
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Cumbria lass
    • By Cumbria lass 14th Jul 17, 7:20 PM
    • 490 Posts
    • 1,266 Thanks
    Cumbria lass
    Hayles70 welcome to Debt Free world. I agree about Ontrees and the bank disclaimer that's why I didn't use it , though it looked great.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Hayles70
    • By Hayles70 15th Jul 17, 9:07 AM
    • 31 Posts
    • 47 Thanks
    Hayles70
    Recently, I've been thinking about why my debt is so much. For the amount of debt I have, you would think that I have a house full of lavish things, a nice car and plenty of holidays. The reality is we have an 11 year old car, (I've never had a new car or a car on finance) we haven't been on holiday abroad since 2014 and since then we've only been to Filey for 5 days with Sun Holidays. I have the essentials in my house, the most expensive purchase was our fridge freezer which was about £250.

    I think my problem is that, I don't save for things, I want things instantly. Past holidays (I'm talking 4 holidays abroad in 10years) have gone on a credit card but I have never actively paid them off.
    Then a huge chunk has come from reducing to part time hours after maternity combined with paying for my rental house as well as our home. I had to pay for petrol on my CC because I was living outside my means. Heart won over head.

    Also for the last 6/7 years we've been at that age where everyone was getting married. I think we had 7 Weddings in a year at one point, so I think that also totted up the figures, because it's the hen do, an outfit for the wedding, the gift, drinks and the taxi home. Thankfully that appears to have slowed down now. We don't have any to attend this year.

    The stupid thing is that up until I had my daughter in 2015, i had two jobs. A full time salaried job Mon-fri and a part-time weekend job in a pub. I often worked 7 days a week yet I still didn't pay off debt! Faceplant!

    The positives

    I have made some good financial decisions.

    My husband and I got married 3years ago. It was a big, expensive wedding and we saved for it I realise paying for an expensive wedding isn't a good financial decision as such but we didn't get in anymore debt to pay it off!

    I bought a house on my own when I was young and have been renting it out. The boiler had to be replaced a few years ago and I actually paid for it using the wedding fund rather than debt!
    Up until last night, I'd never even considered paying extra on my mortgage but now I've looked into it, I'm definitely going to aim to make overpayments when I've reduced some of my unsecured debt.

    I want my daughter to learn about managing money from a young age. I have set her up a bank account and all her birthday/Christmas money goes in there as well as a monthly direct debit of £10 from the child benefit.
    I have set up the child benefit to go into a separate account and I use it to buy her clothes and anything she needs. I'm determined that her life won't be funded with debt.

    Interesting....

    My goals:

    Become debt free
    Save a deposit for our family house
    Make monthly overpayments on my rental property mortgage
    Save up for our first family holiday abroad



    Sorry to have rambled on.
    Last edited by Hayles70; 15-07-2017 at 9:45 AM.
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Hayles70
    • By Hayles70 19th Jul 17, 8:05 PM
    • 31 Posts
    • 47 Thanks
    Hayles70
    Evening,

    It's been a few days since i last posted. I have been busy job searching. Which I've decided I hate! Feel like I'm getting nowhere and my laptop has died so I'm having to use my iPad which is proving difficult. I ended up paying £17.99 for a yearly subscription the other night just so I could complete a PDF application. I now know that there were other ways to do it that don't cost anything but I was panicking because the application had to be in first thing the following morning.

    I watched a programme yesterday that mentioned mortgages and It prompted me to login to my account and check for a better deal. Glad I did, I have now switched to a two year fixed rate deal saving £35 a month! Yay!

    I drove for the first time today and spent money.... real money though, no credit card in sight. I just bought a few bits from Wilkos and bought my favourite food from Holland and Barrett, I'm completely addicted to the stuff...Pip and Nut Honey Cinnamon Cashew nut butter! Amazing but a tad expensive
    I spent £25.

    It's not too bad, a total spend of £48 in 3 weeks.
    Last edited by Hayles70; 19-07-2017 at 8:19 PM.
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Hayles70
    • By Hayles70 22nd Jul 17, 10:47 AM
    • 31 Posts
    • 47 Thanks
    Hayles70
    Morning,

    I haven't actually left the house since Wednesday! Mainly because I don't dare! I'm still not allowed to push the pushchair and my daughter is at that age where she thinks it's hilarious to run off so that we chase her, so we've stayed in. We have been playing in the garden, we did potato printing yesterday and we've watched far too much Peppa b*****d Pig!

    Yesterday, I logged onto my credit card accounts and changed all the monthly payments to a set amount that was about £5 more than the minimum payment. I can't afford more than the minimum at the moment but thought that setting the amount means that I'm at least paying something off.

    Today we are venturing out to Debenhams. Our toaster and kettle have about had it. I did buy them over 10 years ago so I'm quite impressed that they've made it this long. Debenhams have a sale on and we have some vouchers to use. I have the Natwest rewards bank account, It costs £3 a month but I get cash back on all my utility bills and some purchases. I always earn a minimum of £7 per month. I let it build up and then exchange for a gift voucher. Earlier this year, I exchanged £90 for a £100 Debenhams voucher, I've only spent about £25 of it. I've already built up another £60. I'm just going to use these vouchers for my clothes and cosmetics.

    I am also going to look for a shirt/top to go with my suit as I have two job interviews coming up in the next couple of weeks.

    Tomorrow, my parents are coming over as my dads going to take our old mattress to the tip. Did I mention that we have a new mattress?! As a thank you, we are cooking them Sunday lunch. We already have all the ingredients in.

    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Hayles70
    • By Hayles70 24th Jul 17, 11:03 AM
    • 31 Posts
    • 47 Thanks
    Hayles70
    It's Monday! 3 weeks post-op and the recovery is going well.

    I've just remembered this morning that I need to start my grocery spending diary today and general spending.

    We did go to Debenhams on Saturday but didn't get the kettle or toaster because It was a rubbish selection in store compared to the online sale, so we are going to order online instead. I did however get my face cleanser etc in the sale. £24 instead of £64 and paid using my voucher. I also bought a few bits from Mothercare for DD. I spent £22 on socks, pants (nearly time for potty training!) and pyjamas. This has come out of the child benefit account.

    Today's to do list

    -I have a child free day today so I'm going to do some sorting of toys, spare room and paperwork.

    -Make another batch of soup. (I've found a delicious recipe for Roasted Butternut Squash soup)

    - Make a meal plan for this week. I shouldn't need to buy much as we had a Tesco delivery last week.

    -Go to Aldi - I need baby wipes, veg, bread and mince. I will make a list when I've done the meal plan.

    I am going to cook tea all week. This is a big thing for me, my husband has done nearly all the cooking for the last two years as I haven't been able to stand up long enough before the pain kicked in so now that I'm almost pain free I'm treating him to tea being ready when he gets home.

    I only need to complete one more survey on Opinion Outpost and then I can exchange for a £10 voucher.

    Best crack on...
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Hayles70
    • By Hayles70 24th Jul 17, 4:07 PM
    • 31 Posts
    • 47 Thanks
    Hayles70
    What started off as being an average day turned into a much needed lovely day. I drove into town and parked in a 2hour free on road parking, met my OH for lunch, he went back to work and I had a wander around the little boutique shops (we live near a beautiful historic city) I spent a grand total of £1.50.
    I'd forgotten how much I love doing this, probably because I usually have a pushchair to navigate.
    I then did a shop at Aldi. I spent £32.75. I needed more than I thought. I always seem to forget things when I order online shopping.
    This should keep us going until next week now apart from bread and milk.
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Hayles70
    • By Hayles70 27th Jul 17, 9:03 PM
    • 31 Posts
    • 47 Thanks
    Hayles70
    I want to shake myself! I'm out of control.

    I went to my physio appt this morning and then went to Tesco to get a new fitted sheet as ours don't fit the new mattress.
    The sheet was £9....I managed to spend £45! And I paid for it with my CC! There was no need for this as we are eating out all weekend. We won't waste anything but the cupboards are full.

    Supermarkets are my downfall but I also think I'm acting a bit irrational at the minute. I've had a job since I was 15 and the thought that I might be unemployed in a couple of weeks is freaking me out but I'm clearly not acting like someone who might be unemployed soon! Im eating far too much too. I need my routine back.

    On the positive, the physio has said that I can start swimming again. I bought a deal on Groupon a couple of months ago which is 10 swim passes for £10 at the local leisure centre so I will be activating that next week. I can't wait to shift the pounds, I've put on a stone and gone up a dress size in the last year due to being inactive and completely indulging in treats! Im not overweight but I'm on the verge and I feel really uncomfortable in my own skin and its cost me money having to buy bigger clothes.

    Next week's plan.

    - Go swimming at least twice on my own and once or maybe twice with my LG.
    - Go for a walk everyday.
    - Sort out the spare room/my dressing room
    - Sort out my LG's toys
    - Sell some bits on eBay
    - Order a new toaster and kettle from Debenhams using vouchers. If there's enough left, a new iron or microwave too, both need replacing, will also look at my Tesco points for these.

    I need to start being more proactive and stop sticking my head in the sand.
    Last edited by Hayles70; 27-07-2017 at 9:38 PM.
    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Hayles70
    • By Hayles70 5th Aug 17, 12:28 AM
    • 31 Posts
    • 47 Thanks
    Hayles70
    Well, Its been a week since I last posted and I haven't achieved any of the items on my to do list! I did take my LG swimming yesterday but had to drive to the leisure centre that was furthest away due to an event that has taken over the one closest to us for the week, so I used more petrol and couldn't use my Groupon deal.

    I have now got a date for my redundancy/end of employment and I feel so much better for it. I've been feeling a bit in limbo really and now I feel like I can move on.

    It was my birthday last weekend and my oh treated me to a family day out, a Lush gift set and far too many meals out but it was much needed! Although I had to buy a towel from M&S that cost £9.50 as my LG ran through those fountains that spurt out the ground and got drenched!

    On Monday, I went to Home-bargains and spent £12.42. It's just recently opened and I wanted to see what all the fuss was about. Not overly enthused but it was cheap. I managed to get my LG a puzzle for her birthday in September (I've been buying little bits when I've seen them on offer) and a Finding Dory rucksack for when she starts nursery, it was a bargain at £1.99! The rest was toiletries, milk, bread and sweetener.

    Tuesday - At the last minute I bought some mince and bread. I had arranged to go to my friends house and provide tea for her and her dh and was planning to pick something like a pizza up on the way but decided to save some money by making my famous meatballs. I already had the rest of the ingredients and it made enough to feed 4 adults and my lg. I've been keeping all the grocery receipts to add up on the 23rd. I'm weirdly excited to see how much we actually spend!

    Wednesday- Picked up DH from work and did big shop at Morrisons and had tea in the cafe paid for by DH. Also included clothes for my LG -two pairs of leggings. A hooded zip up jumper and a tshirt for £11.50. All we're on my list for things needed for her.

    Thursday- Swimming

    Today - Bought my LG a new pair of shoes from Clarks. This came out of the child benefit account. I'm very good with clothes for her, I tend to buy supermarket and sales items and I certainly don't go mad. I was very controlled today and didn't go in any other shops (usually the M&S Food hall next door is my downfall). Progress!!

    This wknd my OH is away for the weekend playing golf. Me and my LG are going to a family celebration tomorrow and hopefully to the seaside on Sunday or swimming locally depending on how my back is feeling.

    Next week's to-do list

    -EBay some books and clothes
    -Sort out mine and LG's wardrobes
    - declutter spare room
    - bake cheese scones and cheese tart (only need to buy cheese as OH accidentally used it for tea!)
    -bake biscuits too
    - File away paperwork
    - Purchase magnetic meal planner off eBay

    I'm pretty sure some of this will roll over to the following week as everything takes a lot longer with a toddler in tow!

    LBM 06/07/2017(Last updated 05/08/17) Total Debt = £25,811/£26,698
    BC £11,160/£11,121
    TCC: £6,688/£6346
    NWCC: £7,331/£7299
    Next: £382 My mum: £300
    OD1:£1000 OD2: £450/£150
    • Dorastar
    • By Dorastar 5th Aug 17, 1:37 AM
    • 1,714 Posts
    • 14,898 Thanks
    Dorastar
    Just read through your diary, well done for starting the debt free journey. I have been ill (not my back) and am also due to be redundant at end of August so I know exactly how you feel, so hugs. Keep up as many no spend days as you can, I know it's hard, and keep posting on here. Loads of people on here have been there and worn the t-shirt, you got this!
    Mr T 15355.08/15551.94 Bank 6882.00/7157.28
    CC 2194.33/2212.86 Mortgage £160,000
    £10aday Aug £55.72. Emergency Fund £754.29
    Blanket squares 24/60
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