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  • FIRST POST
    • Peabody
    • By Peabody 13th Jul 17, 11:42 AM
    • 271Posts
    • 345Thanks
    Peabody
    Lets have a Debt Free Pod!
    • #1
    • 13th Jul 17, 11:42 AM
    Lets have a Debt Free Pod! 13th Jul 17 at 11:42 AM
    Morning all,

    Starting a new diary as I can't find my old one....

    Back again, life go busy and I lost track of my other thread so nice a new one today. I'm a long time user of this site, but I am going to beat this debt this time!

    I have an action plan and honestly shouldn't be I the state I'm in, so very annoyed with myself at the moment. The OH has had to transfer money to me yesterday so I can get through to payday on the 25th

    I've spent the morning going through the last few months of my bank statements, working out exactly what my monthly bills come to, working out a realistic food budget for 2 adults and then worked out where on earth the left over £400 is going..... on stuff is all I can say, some of it I've really had to stop and think what it was. This month hasn't been helped by the fact we had holiday and stayed at home, so day trips and lots of eating out.

    Anyway, I earn good money thankfully and should have money left at the end of the month. So the plan is this:

    - Bills go out as normal
    - Reduced random spends to £200 (still a lot I know)
    - Then pay the remaining £200 off the debt.

    So what is the debt:

    Loan - £6,992.20 at 4.9% interest with 2 years left to run
    Card 1 - £3,259.43 at 9% interest
    Card 2 - £2138.13 at 0% interest until June 2018
    Soda - £990 at 0% interest ending Jan 19

    I cover all my bills so the route will be to over pay on everything and get it down as quickly as possible.

    I had cashback activate on my bank account and have a quidco account so will be trying to use them where I can, but only on things that I will already be buying.

    Sorry if it gets a bit boring, there should be wedding planning at some point, but I want to get this down a bit first!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
Page 1
    • Peabody
    • By Peabody 14th Jul 17, 9:18 AM
    • 271 Posts
    • 345 Thanks
    Peabody
    • #2
    • 14th Jul 17, 9:18 AM
    • #2
    • 14th Jul 17, 9:18 AM
    Yay it's Friday!!!

    And only a week and a half until payday spending the day with my Mum tomorrow, she's going to treat me to lunch while Mr Pea watches the tennis.

    Aiming for a NSD today, made lunch last night so didn't have to worry about that one this morning which made for a much calmer start to the day. Hoping for a quiet day in the office today as I really can' be bothered to adult if that makes sense

    Still feeling positive about battling this debt and getting myself into a much better situation. Going to raid Mum's attic for some of my old stuff to see if I can earn anything ebaying it, probably not but you never know.

    I crochet so I'm going to try and spend some time over the weekend planning what I can make people for Christmas, I have loads of wool in my stash so hopefully this approach will make for a cheaper December!!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • JoJoC
    • By JoJoC 14th Jul 17, 12:19 PM
    • 1,063 Posts
    • 3,282 Thanks
    JoJoC
    • #3
    • 14th Jul 17, 12:19 PM
    • #3
    • 14th Jul 17, 12:19 PM
    Just wanted to stop by and wish you luck
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • Peabody
    • By Peabody 14th Jul 17, 3:11 PM
    • 271 Posts
    • 345 Thanks
    Peabody
    • #4
    • 14th Jul 17, 3:11 PM
    • #4
    • 14th Jul 17, 3:11 PM
    Hmm looks like I might be able to get £100 for an old mobile I have at home.

    Might need to look into that a bit more!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 17th Jul 17, 9:37 AM
    • 271 Posts
    • 345 Thanks
    Peabody
    • #5
    • 17th Jul 17, 9:37 AM
    • #5
    • 17th Jul 17, 9:37 AM
    Managed a No Spend Weekend Go me Well I went to see my Mum so that only cost petrol. She paid for lunch and the we went to try on wedding dresses.

    Mr Pea and I don't have a date yet, but we wanted to get an idea of the styles that suit me.... fitted it not it but bizarrely a ball gown didn't make me look like a toilet roll holder. I'm a bit of a big girl and was really worried about this. Best bit both dresses I liked were less than £600 obviously didn't get one, but will certainly go back and look when I have a date.

    Having a few issues with Mr Pea's Dad with has caused me a few sleepless nights, so very tired today. But slapped some peanut butter in bread for sandwiches so shouldn't need to spend anything today.

    Off to London tomorrow to see a client, train ticket has been ordered and is paid for, will just need to get myself lunch. But as I'm going into Paddington I'll aim for one of the £3 lunch deals you can get. I can walk to the station from home, so hopefully it'll be a cheapish day.

    If I'm honest the stuff with Mr Pea's Dad really means I would much rather be at home hiding in bed, but that isn't going to help. Just need to get a grip and deal with the situation.... just not sure I'm ready to deal with the fallout. Ah well, Families who'd have em!!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 17th Jul 17, 12:38 PM
    • 271 Posts
    • 345 Thanks
    Peabody
    • #6
    • 17th Jul 17, 12:38 PM
    • #6
    • 17th Jul 17, 12:38 PM
    Oops, so today's NSD didn't go very well.

    I've just bought a slice of cake.... I don't even need cake! Just feel carpy and wanted the comfort element.

    Oh well, never mind.
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 18th Jul 17, 8:43 AM
    • 271 Posts
    • 345 Thanks
    Peabody
    • #7
    • 18th Jul 17, 8:43 AM
    • #7
    • 18th Jul 17, 8:43 AM
    Ok so small spend yesterday, but I'm on in London to see a client today.

    Train ticket has been purchased already, so I don't need to buy that I'm taking a drink and some fruit with me, so it'll just be a meal deal for lunch and then back home before the office closes. Well that's the plan anyway!!

    Feeling a bit better about the world today, which is good as I hate the tube at the best of times so when I'm in a bad mood it's even worse!!

    Aim's for today are:

    - no more than a £3 spend for lunch
    - have a good meeting with the client and see my colleagues onsite
    - Not kill Mr Pea's Dad when he comes over later
    - Supervise the clearing of the garden where the shed is moving to.

    I think that'll be enough for today

    Have fun all x
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Chandelier.
    • By Chandelier. 18th Jul 17, 9:59 AM
    • 464 Posts
    • 1,252 Thanks
    Chandelier.
    • #8
    • 18th Jul 17, 9:59 AM
    • #8
    • 18th Jul 17, 9:59 AM
    Sounds good Pea.

    Sorry to hear about things with MrPea's dad. Family can be funny old things can't they?
    Check out my Diary
    • Peabody
    • By Peabody 18th Jul 17, 2:46 PM
    • 271 Posts
    • 345 Thanks
    Peabody
    • #9
    • 18th Jul 17, 2:46 PM
    • #9
    • 18th Jul 17, 2:46 PM
    Well back from London.

    Meetings went well... well I say meetings I work in events and it was more chats with my clients, but still they seem happy which is always good!

    Spending did not go as planned my lovely comfy 'let's going to London' shoes, decided to become old, uncomfortable to the point I had to grab a cheap pair of flip flops on the way home!! So far the injury count is:

    3 toe blisters
    1 big toe joint blister
    4 very large blisters on the back of 1 heel

    I think I will be spending some time soaking my feet this evening

    But to recoup from that I used my Boots card for lunch so sort of a no spend there.

    Right now to catch up no a few emails, while not baking in my in non air-conditioned living room!!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 3:39 PM
    • 4,763 Posts
    • 15,214 Thanks
    Purplemumof2
    Hi Peabody,

    Thank you for the mini milk

    I know what you mean about the tube...it is my biggest bug bear.

    Ouch to the injuries, hope that your nice foot soak works.

    Don't you love families too xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £600.00 BC: £4000.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Peabody
    • By Peabody 19th Jul 17, 12:21 PM
    • 271 Posts
    • 345 Thanks
    Peabody
    Afternoon All,

    A quiet day here, we're slowly heading towards the summer season which is dead.

    A spending day here today

    £20 so far on fuel, but this will get me through to payday and the first trail of my monthly budget

    I need to stop in the shop on the way home and bit up a few bits, but this will not be more that £5 and I have a £5 note in my purse so I'll use that!

    Blisters are still huge!! currently wearing flip flops in the rain as I'm to scared to put shoes/trainers on luckily I can wear jeans to work.

    I'm trying to head off the first bout of this is hard.... I've not spent anything much in weeks which is great, but today it feels hard for some reason. it's not even like I need anything, but hey ho. It'll be fine and it's the price I'm paying for being silly with money.

    onwards and upwards and all that
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 20th Jul 17, 11:16 AM
    • 271 Posts
    • 345 Thanks
    Peabody
    Morning

    All a bit meh here today, had one of those days at work yesterday and I didn't get a good nights sleep. So I'm tired, the office is full of people today as we have one of our quarterly company briefings this afternoon and all I want to go is curl up and sleep.... not a good combination!!!

    Plus side is we're all being taken out for dinner so that'll be nice and free which is always a bonus!

    Trying to keep to a NSD today, but tired and fed up is not a good combination for my spending or eating Just want to get through to the weekend and have some time doing nothing much.

    Sorry not feeling very perky today
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 21st Jul 17, 1:49 PM
    • 271 Posts
    • 345 Thanks
    Peabody
    Well got through yesterday.

    The cat brought in a live bird last night and let it go living room apparently it took Mr Pea 30mins to extract it with the help of the cat said cat is about 13/14 years old and had some teeth out in November so he's not a lethal as he was this time last year, but as less the bird survived

    A £13 spend here today, but that's for things to get us through the weekend ready for payday on Tuesday.

    Frankly that can't come soon enough! Feeling really tired again today, but we don't have much planned for the weekend so I should be able to have a rest.
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • JoJoC
    • By JoJoC 21st Jul 17, 3:51 PM
    • 1,063 Posts
    • 3,282 Thanks
    JoJoC
    Hi Pea, just wanted to stop by to wish you well after reading through your diary.

    I'm glad your OH managed to deal with the flying present that your cat delivered! I remember as a child there was a bird flapping around my parents living room and it was a combination of stressful but also hilarious watching my dad pounce around the living room trying to catch it to set it free.

    Hope you manage to get through the weekend financially unscathed just in time for pay day... I've given up looking forward to pay day after years of hideous childcare wiping it all out but next month may be the first in a while that there's something leftover for fun!

    Have a great weekend,

    Jo
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • Peabody
    • By Peabody 21st Jul 17, 5:03 PM
    • 271 Posts
    • 345 Thanks
    Peabody
    Hi Pea, just wanted to stop by to wish you well after reading through your diary.

    I'm glad your OH managed to deal with the flying present that your cat delivered! I remember as a child there was a bird flapping around my parents living room and it was a combination of stressful but also hilarious watching my dad pounce around the living room trying to catch it to set it free.

    Hope you manage to get through the weekend financially unscathed just in time for pay day... I've given up looking forward to pay day after years of hideous childcare wiping it all out but next month may be the first in a while that there's something leftover for fun!

    Have a great weekend,

    Jo
    Originally posted by JoJoC
    Thanks to be honest I'd rather take a live bird over a dead one any day

    Weekend should be good, out with a friend and her 1 year old tomorrow. Will be a cheap day out our trips always are!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 24th Jul 17, 8:57 AM
    • 271 Posts
    • 345 Thanks
    Peabody
    Right weekend over but it's payday tomorrow

    Cheapish weekend had which is good, all caught up on Poldark again, just need to watch last nights episode. Mr Pea sold his unused bike frame for £700 which is fab, chap comes to collect it next weekend. So he'll be paying a nice chunk off his credit card this month!

    Probably going to be a small spend day today, but that's fine. I have my note book at the ready to keep track of spending, eating and exercise so feeling ready to get this done!!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 24th Jul 17, 9:50 AM
    • 271 Posts
    • 345 Thanks
    Peabody
    Hmmm just signed up to Swagbucks.... I don't appear to be qualifying for anything!!!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 24th Jul 17, 10:07 AM
    • 271 Posts
    • 345 Thanks
    Peabody
    Right have been through work emails.

    Jobs for today:

    - Set up my budget spreadsheet for the coming month
    - Shop around for the few bits I know I want to get.
    - Make up lunches for tomorrow when I get home.
    - Work out initial payments on credit cards with a hope to over pay at the end of the month.
    - But through the receipt from my Chiropractor appointment as I can reclaim this through work
    - Do either some time on the bike or a Pilates video (time to get fit!)

    I think that should do for today I'll let you know how I get on
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • Peabody
    • By Peabody 24th Jul 17, 5:08 PM
    • 271 Posts
    • 345 Thanks
    Peabody
    Jobs for today:

    - Set up my budget spreadsheet for the coming month Done... well had to redo as I'd lost my spreadsheet
    - Shop around for the few bits I know I want to get.
    - Make up lunches for tomorrow when I get home.
    - Work out initial payments on credit cards with a hope to over pay at the end of the month.
    - But through the receipt from my Chiropractor appointment as I can reclaim this through work
    - Do either some time on the bike or a Pilates video (time to get fit!)
    Originally posted by Peabody
    Not bad for a day at work!! Even managed to get some actual work done as well

    Debate is currently bike or Pilates..... Bike will probably be easier and I need to raid YouTube for Pilates videos. I have some arm toning exercises to do as well (free print off and some soup tins for weights )

    Bit of Tuna Pasta bake for dinner, so hopefully will have enough for a lunch of left overs!
    Total at 9th Feb 12 - £17,500 Now - £13,431.87
    Loan - £6992.20, Card 1 - £3224.60, Card 2 - £2225.07, Sofa - £990.00
    Card overpayment pot - £0.00
    • quintwins
    • By quintwins 24th Jul 17, 5:40 PM
    • 4,822 Posts
    • 28,506 Thanks
    quintwins
    sounds like you had a good day. I'd stick something on the tv and go for bike
    DFW £1291/£28996 4.4%

    Aug GC £0/£170
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