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  • FIRST POST
    • TeaRex
    • By TeaRex 6th Jul 17, 8:01 PM
    • 40Posts
    • 97Thanks
    TeaRex
    Been in debt all my adult life, this madness is going to stop!!
    • #1
    • 6th Jul 17, 8:01 PM
    Been in debt all my adult life, this madness is going to stop!! 6th Jul 17 at 8:01 PM
    Hello all!

    I want to start by saying I love reading all the diaries on here, it makes me feel so inspired and Im worried my ramblings will not be half as interesting but I can finally see an end in sight and just want to jot down my thoughts and keep really focused!

    So a bit of a back story, Ive been in debt for most of my adult life, Ive never been a saver, always a spender, if i saw something I would buy it no questions asked. I remember my first job at the age of 16 I spent my first wages on some (looking back now AWFUL) nike trainers from JD Sports and a denim hooded coat from New Look! This was just a taste of what was to come!

    Most of my loans went on cars, I had a personal loan for £5k when I was 19 to get a car, I took out car finance for £11k at the age of 22 to get a brand new car, I put deposits for my ex partners cars on my credit cards, took out a £7.5k loan at the age of 26 so my ex partner could buy a car, it is all so ridiculous looking back now.

    Despite all this, my ex partner and I managed to buy a house in 2013. We split up in 2015 and he moved out leaving me to pay for everything. I put the house on the market and the sale went through in Feb 2016. I moved in with my parents. At this time I have worked out that I owed £23643.

    Fast forward a year later, I have moved 180 miles to be with my new partner. We are currently renting a small flat. I haven't spent on a single credit card since my house sold. My current debt is £8461. I am currently trying to pay a minimum of 300 towards my debts per month. Since Jan this year I have paid off 3 of my credit cards and called up to cancel them which is such a good feeling!

    My debts are as follows
    1- Barclaycard - This has defaulted and I have an agreement with them to pay £1 per month for 12 months then I presume they will review this. I currently owe £4747 here and currently pay £20 per month. Hoping to clear my other debts while this is on a payment plan then up the payments on this final debt.

    2- Argos Card - This is open and up to date with payments. I currently owe £1614 on this and pay around £130 per month off of this.

    3- Lloyds Credit Card - This is an open account but they won't let me spend or do any sort of balance transfer. I currently owe £2100 on this and try to pay at least £130 off this one too.

    I just paid off a Bank of Scotland credit card this month, £190 cleared it completely so this money can go towards a different debt next month! Probably the Argos card as I get the most interest on that one!

    Think thats all I will share for now as this is probably a huge opening post and I don't want to run out of things to post on day one!!

    Thanks for reading so far, looking forward to words of encouragement and getting stuck in with the debt free wannabe community! Speak soon
    Last edited by TeaRex; 06-07-2017 at 8:05 PM.
Page 1
    • TeaRex
    • By TeaRex 9th Jul 17, 4:22 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    • #2
    • 9th Jul 17, 4:22 PM
    • #2
    • 9th Jul 17, 4:22 PM
    So just a tiny bit more about me, Im 30 and I have a partner who is 33. His children are 3 and 7 Never thought I would be a step mum but I love it and hope to have my own too some day!

    So Sunday afternoons are my 'free time' to catch up on work things and just have a few hours of chill time! The kids go back to their mums and my partner goes to work so I have the flat to myself! I normally have a nice cuppa, do my timesheet for work then spend an hour or two doing housework which seems pointless when the kids are back here tomorrow to make a mess again but I like having a tidy flat even if its just for one evening

    I think Im going to try and do some ebay tonight. We have boxes and boxes of 'things' that my partner has said he wants to keep but we had a chat earlier where I said that I would rather sell the stuff, pay off some debt and move into a better house/flat than have boxes of stuff we aren't even using or looking at because we want it in our new house! I said it can all be replaced, we need the money now!

    So he has agreed that if I get the boxes out while he is at work then we will go through them together when he gets in and ill list it all on ebay.

    Not much else to report, its a NSD today so thats one achievement!
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
    • Mummy_bear
    • By Mummy_bear 9th Jul 17, 4:33 PM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    • #3
    • 9th Jul 17, 4:33 PM
    • #3
    • 9th Jul 17, 4:33 PM
    Just a quick hello from me

    Subscribing and looking forward to your journey
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • UncannyScot
    • By UncannyScot 9th Jul 17, 5:51 PM
    • 728 Posts
    • 4,352 Thanks
    UncannyScot
    • #4
    • 9th Jul 17, 5:51 PM
    • #4
    • 9th Jul 17, 5:51 PM
    Hello and welcome from me too
    Looks like you are well on the way to clearing your feet
    Look forward to reading your updates
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • TeaRex
    • By TeaRex 14th Jul 17, 5:55 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    • #5
    • 14th Jul 17, 5:55 PM
    • #5
    • 14th Jul 17, 5:55 PM
    Was hoping for a DFD today but I forgot my lunch for work so spent £2.90 on a sausage roll, drink and chocolate bar

    Sorry for lack of posts, been very busy with work and kids things this week so will post a better update tomorrow!
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
    • beanielou
    • By beanielou 15th Jul 17, 8:29 PM
    • 48,510 Posts
    • 178,589 Thanks
    beanielou
    • #6
    • 15th Jul 17, 8:29 PM
    • #6
    • 15th Jul 17, 8:29 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • TeaRex
    • By TeaRex 16th Jul 17, 6:14 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    • #7
    • 16th Jul 17, 6:14 PM
    • #7
    • 16th Jul 17, 6:14 PM
    Finally got 10 mins to myself to come and have a little update! My partner has been off work this week so haven't had much time to get on here for updates. He knows about my debt but its obviously mine and mine alone to deal with. He is very supportive though and has never had a credit card or loan himself so if anything that really helps me and after the amount of debt I have been in Im definitely in the 'save up for what you want' camp now!

    I have got some things on ebay that are finishing today or in the next couple of days so will have an update on that soon. Whatever 'profit' is made after fees and postage I will pay straight off one of the cards.

    Im not sure which one to tackle next to completely clear, I have Argos and Lloyds and they are both pretty much on 21% APRs, one has £1600 balance and one has £2100. Any extra cash I have or money made from ebay I will probably end up paying towards the Lloyds as its easier, I can do it all on my online banking and Ill continue to just make one payment a month to Argos.

    My stepson had a play at school which me and his dad went to watch. He did so well, he is only 7 but he had a solo singing part and I just felt so proud watching him and afterwards me and my partner both said we had a little tear in our eyes when he sang! He goes to a special needs school and all of the children did amazingly well.

    Not much housework to do today while my partner at work, just got to make myself something to eat so will probably have beans on toast. We got some big bags of grated cheese from his work for free which were going to be thrown out otherwise so trying to find new ideas for them, but its mainly been used in sandwiches or for jacket potatoes!

    Think thats it for today...will update more on Tuesday! I have to leave for work at 6:30am tomorrow so once my partner is home it will be bedtime for me!
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
    • enthusiasticsaver
    • By enthusiasticsaver 16th Jul 17, 7:42 PM
    • 4,674 Posts
    • 8,853 Thanks
    enthusiasticsaver
    • #8
    • 16th Jul 17, 7:42 PM
    • #8
    • 16th Jul 17, 7:42 PM
    You are doing well in clearing the debt and luckily you are still relatively young so have learnt how to manage your money at a stage in your life when it can be turned around. Once the debt is gone you can then focus on getting a bigger or better home and other aspirations you have for the future.

    Good luck.
    4 weeks to go until early retirement in December . Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • TeaRex
    • By TeaRex 18th Jul 17, 5:28 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    • #9
    • 18th Jul 17, 5:28 PM
    • #9
    • 18th Jul 17, 5:28 PM
    Thank you, I hope so! We keep seeing loads of lovely flats coming up to rent which would be affordable even on just my wage but with my debts we can't go for them!

    Was such a hectic day yesterday, for my work I go all over the place and am in different offices all the time. Yesterday I left at 6:30am and did not get home until 8:30pm so it was a nightmare! I had an awful headache when I got back so my partner made me some soup and soldiers and a lovely cuppa which helped but I ended up falling asleep on the sofa at about 10!

    On a more positive note, I got a letter saying I overpaid tax last year, only £15 (shame there wasn't an extra 0 or 00 on the end!) but I have logged on to my HMRC account online and asked for it to be refunded so once that appears in my account Ill send it straight to my Lloyds CC

    I sold something on ebay for around £17 including postage but I wildly underestimated how much it would cost so it looks like its going to be around £12 to post... I don't know whether to try Collect Plus or Hermes instead as they have quoted £6 (I charged £5) so need to decide this as soon as possible!
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
    • TeaRex
    • By TeaRex 19th Jul 17, 5:34 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    Had to just bite the bullet and posted the item for £12..At least it has gone now! So I can work out whats left and will make the payment to my card

    Had a letter from work today, we are getting a small pay rise and it will be backdated to the 1st April this year but we won't get it until August payday so thats something to look forward to, hopefully get a small little lump payment as its backdated which will help! Shame the taxman has to take his part!

    Hope everyone else has had a good day
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
    • LemonadeWages!
    • By LemonadeWages! 19th Jul 17, 6:13 PM
    • 16 Posts
    • 21 Thanks
    LemonadeWages!
    Good luck!

    Subscribing and cheering for you !!
    18/07/2017
    Car Loan - 3344.08/
    Barclaycard - £2776.48/
    Littlewoods - £432/
    • oinkbubbadoo
    • By oinkbubbadoo 19th Jul 17, 9:02 PM
    • 6 Posts
    • 5 Thanks
    oinkbubbadoo
    Hi, I sometimes sell stuff on eBay and the postage is always more than you think. A friend told me about parcel2go . You go on the website , type in the weight and dimensions of your parcel and they give you a quote. It's usually half the price of Royal Mail and you can print the label and drop at a,local shop (they use DPS and Hermes) Hope this saves you a few bob.
    Never play leapfrog with a unicorn........
    • JoJoC
    • By JoJoC 20th Jul 17, 9:11 AM
    • 1,246 Posts
    • 4,021 Thanks
    JoJoC
    Welcome to the boards - sounds like you're doing a great job making overpayments and getting things on ebay.

    Thanks oink for the parcel2go reference - I've bookmarked it as I seem to be stung with postage semi-regularly.

    All the best in your journey
    CC1: £3804.52 / £3704.32 £100.20 paid | CC2:£5027.53 / £4927.48 £100.05 paid | Loan: £15,000 / £13,932.24 (£1067.76 paid)

    July debt total: £23,832.05 | New debt total: £22,564.04 | Total debt paid: £1,268.01 (5.3%)
    *My debt busting and savings diary*
    • TeaRex
    • By TeaRex 30th Jul 17, 5:55 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    Things have been crazy with work, been leaving at 7am and getting home 7pm so haven't had much time to read the boards and post. My job means I work somewhere different all the time, I do training for new staff for a well known high street name so have to travel all the time. Currently on site somewhere that is a 3 hour round trip and Im there for two weeks so its quite draining!

    Mainly been waiting for pay day which is on Monday, so will make payments etc on Tuesday and update here!

    I made £35 on ebay which I have paid off the Lloyds CC and I got the £15 refund from my overpayment of tax. So thats an extra £50 gone!
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
    • Scott_Weiland
    • By Scott_Weiland 30th Jul 17, 6:23 PM
    • 627 Posts
    • 1,516 Thanks
    Scott_Weiland
    Things have been crazy with work, been leaving at 7am and getting home 7pm so haven't had much time to read the boards and post. My job means I work somewhere different all the time, I do training for new staff for a well known high street name so have to travel all the time. Currently on site somewhere that is a 3 hour round trip and Im there for two weeks so its quite draining!

    Mainly been waiting for pay day which is on Monday, so will make payments etc on Tuesday and update here!

    I made £35 on ebay which I have paid off the Lloyds CC and I got the £15 refund from my overpayment of tax. So thats an extra £50 gone!
    Originally posted by TeaRex
    Best bits of advice I can give is have a look at a few things:

    join topcashback.co.uk
    Have a look at once you have done that confused.com and go compare money for nothing for it applies to maybe switch home/car insurance or energy providers.

    Have a read of other people's diaries on here there's load you can pick up tips wise. Have you done an SOA?

    Re having a clear out have a look at ziffit.com/webuybooks.co.uk/music magpie. Some are on top cashback
    And they are a better alternative to fleabay ie no fees no postage etc etc and if you complete the order via top cashback extra money :-)
    Last edited by Scott_Weiland; 30-07-2017 at 6:25 PM.
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.10 Survey Earnings YTD £535.12
    • TeaRex
    • By TeaRex 30th Jul 17, 7:34 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    Hi Scott, thanks for reading

    I am joined with Quidco but I always forget about it until after I have made online purchases! So annoying! I will look at topcashback too, Im guessing its similar to Quidco.

    I already sorted my contents insurance, I think it was around £35 for the year, we only live in a small flat at the moment. My partner works for a big supermarket and we got discount with them!

    Our flat is privately rented and we are on gas/electric meters so can't switch without landlords permission. We spend about 10-15pm on gas and 25pm on electric so not too bad at all.

    I have a company car so don't have to tax or insure it, this is a massive saving! It does affect my tax code (this is actually why i got a tax rebate as they incorrectly worked out my cars value) but I can use it for personal use which is great. Its going in for a service on Tuesday but I won't have to pay anything. I do have to pay for diesel though but I am getting nearly 80mpg at the moment so spending around £60 a week. This week for example I did 600 miles for work and I get 9p per mile back so thats £54 I'm waiting for so it all kind of works out.

    I have done an SOA for myself but never posted it. Ive cut back on pretty much most things as been on this debt busting train for a while even though my diary is quite new! My partner is luckily quite conscious of spending so helps keep me on the straight and narrow. Ive pretty much sold everything I can to get extra money, Ive already sold all my old console games and books and bits and bobs! I even sold my yankee candle collection and huge nail varnish collection as I had a phase of being obsessed with owning them but only wanted them 'for best' so never used them!

    Thanks for the tips though, I must find time to read other people diaries. I find them so inspiring so maybe a goal for me is to spend half an hour getting involved every day.
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
    • TeaRex
    • By TeaRex 30th Jul 17, 8:01 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    Statement of Affairs and Personal Balance Sheet

    Monthly Income Details

    Monthly income after tax................ 1480
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1480


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 250
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 15
    Gas..................................... 10
    Oil..................................... 0
    Water rates............................. 18
    Telephone (land line)................... 0
    Mobile phone............................ 25
    TV Licence.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services....................... 0
    Groceries etc. ......................... 200
    Clothing................................ 10
    Petrol/diesel........................... 50
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 3
    Life assurance ......................... 10
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 12.5
    Entertainment........................... 50
    Holiday................................. 0
    Emergency fund.......................... 0
    Acrylic Nails........................... 30
    Savings................................. 100
    Total monthly expenses.................. 833.5



    Assets

    Cash.................................... 500
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 0
    Total Assets............................ 500


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Lloyds CC......................2130......57........22
    Argos Card.....................1648......78........22
    Barclaycard....................4747......20....... .0
    Total unsecured debts..........8525......155.......-



    Monthly Budget Summary

    Total monthly income.................... 1,480
    Expenses (including HP & secured debts). 833.5
    Available for debt repayments........... 646.5
    Monthly UNsecured debt repayments....... 155
    Amount left after debt repayments....... 491.5


    Personal Balance Sheet Summary
    Total assets (things you own)........... 500
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -8,525
    Net Assets.............................. -8,025


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.


    Here is my SOA. Its quite sparse as my partner pays for council tax, tv licence, phone/internet. The 250 I pay him covers my half of rent (our flat is only 400pm) and also towards the council tax. I pay for spotify and NOWTV (included under entertainment) I also pay for most of our groceries but we get discount at his work (big supermarket). It might seem high as we have his two children a lot of the time so this also covers their breakfast/lunch/dinners that we give them. We get a takeaway twice a month and this is included in groceries too.

    I put £50pm into a pot for xmas/presents. I get my hair cut every other month and this costs £25. I don't drink or smoke. My luxury is my acrylic nails, this is once a month!

    My car is a company car so no expenses for that apart from diesel. I fill it up with more than £50pm but I can claim back my work miles so only spend around £50pm for private use.

    Think thats it, but feedback welcome! I think in August Im going to save every receipt and see exactly where my cash/debit spends go!
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
    • Lucy5781
    • By Lucy5781 30th Jul 17, 9:13 PM
    • 438 Posts
    • 2,580 Thanks
    Lucy5781
    "I think in August I'm going to save every receipt and see exactly where my cash/debit spends go!"

    I did this once, was a massive eye opener!

    I'd had my DRO in place for a week when I met my now DH and his son was seven at the time. He was living in a two bed flat as we we have DsS 2-3 nights per week.

    Almost four years later he's also free of unsecured debt but now has our mortgage in his name on a three bed house which we moved into a year ago, DS was born two months later, we're currently planning out budget 1st Birthday party for him in just over six weeks time.

    Glad you're already doing so well clearing your debts!

    Lxx
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Scott_Weiland
    • By Scott_Weiland 30th Jul 17, 9:45 PM
    • 627 Posts
    • 1,516 Thanks
    Scott_Weiland
    Hi Scott, thanks for reading

    I am joined with Quidco but I always forget about it until after I have made online purchases! So annoying! I will look at topcashback too, Im guessing its similar to Quidco.

    I already sorted my contents insurance, I think it was around £35 for the year, we only live in a small flat at the moment. My partner works for a big supermarket and we got discount with them!

    Our flat is privately rented and we are on gas/electric meters so can't switch without landlords permission. We spend about 10-15pm on gas and 25pm on electric so not too bad at all.

    I have a company car so don't have to tax or insure it, this is a massive saving! It does affect my tax code (this is actually why i got a tax rebate as they incorrectly worked out my cars value) but I can use it for personal use which is great. Its going in for a service on Tuesday but I won't have to pay anything. I do have to pay for diesel though but I am getting nearly 80mpg at the moment so spending around £60 a week. This week for example I did 600 miles for work and I get 9p per mile back so thats £54 I'm waiting for so it all kind of works out.

    I have done an SOA for myself but never posted it. Ive cut back on pretty much most things as been on this debt busting train for a while even though my diary is quite new! My partner is luckily quite conscious of spending so helps keep me on the straight and narrow. Ive pretty much sold everything I can to get extra money, Ive already sold all my old console games and books and bits and bobs! I even sold my yankee candle collection and huge nail varnish collection as I had a phase of being obsessed with owning them but only wanted them 'for best' so never used them!

    Thanks for the tips though, I must find time to read other people diaries. I find them so inspiring so maybe a goal for me is to spend half an hour getting involved every day.
    Originally posted by TeaRex

    Ha ha if its all key meters make sure you have all energy saving light bulbs fitted lol

    Re quidco its basically the same the same as topcashback so thats cool. All i would do is get into this mindset when you buy any goods or services online think can i get cashback. I have earned since i went on topcashback 480 quid and that was about 18months ago.

    All the below companies are on cashback sites and people dont realise, i recently got 60 quid changing broadband supplier and 15 quid for buying a load of train tickets off trainline etc

    Ebay
    Just Eat
    Evans Cycles
    Argos
    Dominos
    Asos
    Gap
    Superdry
    Tescos
    Hungry Horace
    Mothercare etc etc etc etc
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.10 Survey Earnings YTD £535.12
    • TeaRex
    • By TeaRex 6th Aug 17, 7:01 PM
    • 40 Posts
    • 97 Thanks
    TeaRex
    So I have made my big payments this month totalling £403
    £198 to the Argos card
    £185 to the Lloyds CC
    £20 standing order to the defaulted Barclaycard

    I have also withdrawn £200 from my account and put into a separate purse, this is for our food shopping throughout the month. So whatever food we buy, it has to come from that and when we run out, we run out! And will have to eat whatever is in the cupboards!

    Ive put £170 into savings this month. £150 in my online savings and £20 cash in my xmas savings.

    I still have £126 in my 'debt repayment' account but I need to get diesel for work next week which will cost me £50. I am awaiting £60 for an expense claim though which goes back into this account.
    Whatever is left in this account at the end of the month will go as an extra payment to the cards.

    Haven't got much else planned for this month though, Im seeing some old friends from where I used to live so need the diesel for this which is nearly 400 mile round trip so will cost around £40 Im guessing, and will probably spend around £20 for gifts for them which I will take out of my savings (haven't seen them both together for a year)

    Thats it for now I think!
    June 2015 Debt - £23643 // Nov 2017 Debt - £1950
    Sealed Pot Challenge Member - 584
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