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  • FIRST POST
    • quintwins
    • By quintwins 23rd Jul 17, 7:02 PM
    • 5,032Posts
    • 29,280Thanks
    quintwins
    Can't keep burying my head in the sand!
    • #1
    • 23rd Jul 17, 7:02 PM
    Can't keep burying my head in the sand! 23rd Jul 17 at 7:02 PM
    I never thought I'd find myself in here but the last few years I've been passing about around £10k of debt between 0% cards and making no progress. Fast forward to Christmas and we ended up doing some work to our house turned out to be a bigger job than expected. Then we had lots and lots of car trouble.

    So I finally added up all my debt last week, really died and paid £1200 off last week alone and cleared one card ready to be cancelled tomorrow.

    My plan is to pay an extra £500 minimum off my debts every month on top of the minimum payments. alot of our 0% end soon but I'll be worse.

    I have done a SOA but I don't want to post it. We have very large outgoings to our cars but everything else is pretty much the norm and can't be cut back anyway. my car is on finance and I'd lose alot of money if I sold it now, his car is a heap of junk and not fit for the kids. He also has a motorbike but again selling it or even handing it back isn't an option due to finance. Another big issue is I ignored my rates/council tax bill so now I have to pay it over 8 months instead of 10.

    However our daily spending is changing from now on and I'll be posting here to keep myself accountable
    Last edited by quintwins; 23-07-2017 at 11:54 PM.
    DFW £1263/£28996 4.3%

    EF#240 £0
Page 6
    • quintwins
    • By quintwins 18th Aug 17, 5:33 PM
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    quintwins
    I'm trying to defrost mine, I don't like it not being full. it's more economical to run a full freezer for a start lol.

    I just got an email from vanquis asking me if I wanted to transfer money to my bank at a special promotional rate of 49.9% nah I think I'll pass thanks.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • redofromstart
    • By redofromstart 18th Aug 17, 5:36 PM
    • 527 Posts
    • 2,788 Thanks
    redofromstart
    49.9%

    • quintwins
    • By quintwins 18th Aug 17, 5:45 PM
    • 5,032 Posts
    • 29,280 Thanks
    quintwins
    49.9%

    Originally posted by redofromstart
    Thats actually my purchase rate nearly gone tho.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • quintwins
    • By quintwins 19th Aug 17, 8:37 PM
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    quintwins
    paid an extra £15 off my Debenhams card
    DFW £1263/£28996 4.3%

    EF#240 £0
    • redofromstart
    • By redofromstart 19th Aug 17, 9:04 PM
    • 527 Posts
    • 2,788 Thanks
    redofromstart
    I guess its all relative, looking at the rates on some of those loans on the telly, now they are really scary.
    • Purplemumof2
    • By Purplemumof2 20th Aug 17, 7:47 AM
    • 5,357 Posts
    • 18,334 Thanks
    Purplemumof2
    Morning quintwins,

    You're doing really great.

    I love freezer Tetris but like you I also forget what we have in there.

    Hope you had a lovely birthday? X
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • enthusiasticsaver
    • By enthusiasticsaver 20th Aug 17, 8:32 AM
    • 4,695 Posts
    • 8,816 Thanks
    enthusiasticsaver
    49.9% is dreadful. Good that your OH got a O% but shame only for 6 months. The long ones are the best but I think the debt may have to come down more before you get offered them. Well done on the debt payments.

    I don't like running a near empty freezer either. It frosts up quicker and is less economical so I fill it with bags of frozen vegetables, loaves of bread and tubs ice cream. All stuff we use but cheaper than meat,fish or frozen convenience meals.
    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
    • quintwins
    • By quintwins 20th Aug 17, 5:27 PM
    • 5,032 Posts
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    quintwins
    Thanks everyone, just having a quiet day. I'm not keen on an empty freezer either but I do still have loads.

    Got another £5 swagbucks voucher.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • quintwins
    • By quintwins 21st Aug 17, 11:50 AM
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    quintwins
    Just logged into my vanquish card and the interest has now been added for this month, I thought it already had been but I was reading it wrong looks abit less heathy but will still be closed before next statement.

    Hubby reminded me of a bill I had forgotten about so the £150 I had planned to pay off my debt today is going to it which is abut gutting if I'm honest.
    Last edited by quintwins; 21-08-2017 at 11:52 AM.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • quintwins
    • By quintwins 23rd Aug 17, 11:35 AM
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    quintwins
    Feeling abit blah here. Been really sickly this last week. Spent £29 in lidl last night on the usual milk, bread, yogurt cereals and cheese. Kids are expensive lol. Paid £20 off my vanquis card just so I could feel like I'm getting somewhere, I have decided I don't like the end of the month, it's like limbo.

    Added another £20 to my emergency fund (I suspect I might end up using this to pay for the labor on my car) I'm up to £23.37 from skimming my bank aswell.
    Last edited by quintwins; 23-08-2017 at 12:26 PM.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • quintwins
    • By quintwins 7th Sep 17, 11:01 AM
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    quintwins
    Hi folks I've been abit MIA. I've been very unwell but now I'm finally on the med after getting some tablets from the doctor. Moneywise things aren't going too well. car ended up costing abit more than planned. Means I won't be able to clear the credit card off as quick as I wanted to but it will be gone by next month and I still won't pay any interest on it this month. I'm looking at it that things aren't getting any worse which is would have if I hadn't started trying to sort things.

    I will pop back later with my end of august numbers, I got a new phone so I'm having issues getting some of my totals.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • quintwins
    • By quintwins 7th Sep 17, 11:24 AM
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    quintwins
    ok that's depressing I am slightly worse off! my total stands at £27754! which means I've added £74 to my debt. However I'm paying £400 off on tue. Sep totals should be better. Considering my car ended up costing nearly £1k and we did school uniforms I'm not too annoyed.

    Total end august

    £1242/£28996
    4.2% paid

    Goals for Sep

    Don't add any more to your debt!!!!!!
    Last edited by quintwins; 07-09-2017 at 11:27 AM.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • redofromstart
    • By redofromstart 7th Sep 17, 12:02 PM
    • 527 Posts
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    redofromstart
    I think that's something to be proud of, considering the car bill. If you hadn't been focussing then actually it would have gone up at least £1k.
    • quintwins
    • By quintwins 7th Sep 17, 12:58 PM
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    quintwins
    I think that's something to be proud of, considering the car bill. If you hadn't been focussing then actually it would have gone up at least £1k.
    Originally posted by redofromstart
    Yeah I guess your right and it needed done. We still have one other thing that needs done to the car which will cost around £300 but it can wait a month or 2.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • quintwins
    • By quintwins 30th Oct 17, 3:16 PM
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    • 29,280 Thanks
    quintwins
    HI folks, I think I might be the worst person at keeping a dairy. I did post last time about not feeling to well and I'm still not well and we have been trying to randomly treat things but no one really knows why I keep being sick. This has meant that debt busting has been low down my list and I'd have felt bit of a fraud posting. But I'm feeling a bit better and I'm hoping to make some headway before the big fat guy in the suit visits.

    Unfortunately that's easier said than done as right now we have no heating and I've just ran out of coal/logs so straight off the bat I'm spending money! I also have 2 of the kids birthdays next month and I am going to have to start gather up Santa presents. Even doing these on a shoe string is still spending money I don't have!

    Anyway I wanted to do an end of month update, bear in mind I have been unwell tho so it"s not great

    Outstanding debt 30th oct= £27733/£28996

    Total paid to date £1263

    So I've added £50 to my debt.

    I can see NOV being a tight month and one of my bigger credit cards will start adding interest now this month swell as the few smaller ones that I've had to pay interest on so I'm going to aim for £300 paid off this month.

    I really feel like I did so well that first month and now I can't seem to get any further with it.
    DFW £1263/£28996 4.3%

    EF#240 £0
    • quintwins
    • By quintwins 30th Oct 17, 3:24 PM
    • 5,032 Posts
    • 29,280 Thanks
    quintwins
    Also slight vent, I've had a few of my credit limited upped this month. One being my Barclays card which is great because they keep offering new 0% deals. But another was my vanquis card which considering I phoned them awhile ago and said I was struggling seems like bad practice to me? Anyway I'm not taking that increase.

    Paypal has also offered me an increase. I"m hoping this implies I should be able to get a 0% card when I have the 2 I'm trying to pay off now closed. I'm already paying way more than I'm happy with in interest
    DFW £1263/£28996 4.3%

    EF#240 £0
    • Happierdays
    • By Happierdays 30th Oct 17, 5:17 PM
    • 153 Posts
    • 452 Thanks
    Happierdays
    Aw keep going quintwins... this journey is definitely up and down for most of us I am sure! when things slip(and sometimes it happens despite best efforts!) I think the main thing is to get back on the horse (as you have done by coming back on here!) Try to remember how well you DID do the first month and you CAN/WILL do well again! All the best
    • DrSpendLittle
    • By DrSpendLittle 30th Oct 17, 5:54 PM
    • 188 Posts
    • 611 Thanks
    DrSpendLittle
    Welcome back!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £800/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £473.73/£1,894.92
    Total CC Repayments: £2,366.07/£10,690.22 (22.13%) | Total Debt Repayments: £2,839.80/£12,585.14 (22.56%)
    • quintwins
    • By quintwins 31st Oct 17, 11:32 AM
    • 5,032 Posts
    • 29,280 Thanks
    quintwins
    Thank you.

    Sometimes health, life and kids gets in the way and I know that I just feel bit stuck. I don't think I'll make much more than the basic payments between now and Christmas which should still see the totals come down abit but with interest it's not going to make a huge impact.
    Last edited by quintwins; 31-10-2017 at 11:40 AM.
    DFW £1263/£28996 4.3%

    EF#240 £0
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