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  • FIRST POST
    • Rachel24
    • By Rachel24 24th Jul 17, 11:33 AM
    • 65Posts
    • 152Thanks
    Rachel24
    So much debt :-(
    • #1
    • 24th Jul 17, 11:33 AM
    So much debt :-( 24th Jul 17 at 11:33 AM
    Hi

    I'm a newbie here. Been reading some of the diaries and it's got me motivated to do one myself. I just hope it'll kick me into doing something about all my debt. I need to do a proper calculation to see how much I'm in but I know it's over the £10,000 mark :-(
    I work full time but that doesn't stop me from overspending! I literally spent £55 on the white company website yesterday because there was a sale on and I don't even have the money for it just more on the credit card!
    I'll do my calculations at lunch and see how much exactly I owe.
    Any tips I would really appreciate :-)
    Also my partner has no idea the debt I'm in. He thinks I have £2000 and I'm just way too scared to tell him.
Page 2
    • Rachel24
    • By Rachel24 26th Jul 17, 11:48 AM
    • 65 Posts
    • 152 Thanks
    Rachel24
    So I get paid on Friday and going to give myself £100 spending money. Decided I'm just going to have to do without getting my hair done. I have a day at the races and a works leaving night, another night out in Glasgow. Going to have to just be careful with my spends. Although I'm fairly building up money on opinion post! Hope it keeps up!
    • Rachel24
    • By Rachel24 26th Jul 17, 12:42 PM
    • 65 Posts
    • 152 Thanks
    Rachel24
    I've decided any survey money I make I'm going to use as spending money this month so hoping I'll not dip into my credit card �� I have just got a second job but waiting on start date now. Feeling very positive!
    • quintwins
    • By quintwins 26th Jul 17, 12:45 PM
    • 5,029 Posts
    • 29,234 Thanks
    quintwins
    I've decided any survey money I make I'm going to use as spending money this month so hoping I'll not dip into my credit card �� I have just got a second job but waiting on start date now. Feeling very positive!
    Originally posted by Rachel24
    It's great your feeling so positive, leave your credit card at home so you can't use.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • Purplemumof2
    • By Purplemumof2 26th Jul 17, 3:16 PM
    • 5,067 Posts
    • 16,648 Thanks
    Purplemumof2
    Hi Rachel,

    You're making great progress so far, well done.

    I think its a great idea to have some spending money, otherwise is pointless just debtbusting all the time. xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Rachel24
    • By Rachel24 26th Jul 17, 7:38 PM
    • 65 Posts
    • 152 Thanks
    Rachel24
    I'm actually so excited! I got invited to a panel called consumer pulse where I just need to put my weekly shopping in online and it works out I get about a £10 voucher a month. I can get Debenhams voucher which will cover my make up. Also will put some towards buying birthday presents throughout the year.
    Also discovered with the opinion outpost survey site they will give you vouchers when you reach a certain amount. They have next vouchers I'm going to use this as extra to get my next account down. Plan is my second job to clear my credit cards too. Wish I'd known about these survey sites a long time ago!
    • Rachel24
    • By Rachel24 27th Jul 17, 1:44 PM
    • 65 Posts
    • 152 Thanks
    Rachel24
    Well I had a spend day today. Had to buy my Niece's birthday present. She's only 6, I got her a frozen dress because she wants one and I'll get her something else just not sure what yet. I'm aiming for 10 NSD's for the month of August. I get paid tomorrow and I'm just going to pay the minimum to all my debts this month but only because I have so much on in August. From September I'll start paying more plus hopefully by then I'll of started my second job!

    My balance on survey account is now £5 and I've only done it for 3 days. I'm aiming for £20 by the end of August.
    • reality_check
    • By reality_check 27th Jul 17, 10:10 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    it is called Prolific Academic - look at me calling it PA like an old pro, only used it a few weeks but it is so good! You need to answer a million questions at the start and they give you surveys that relate to you. They are quite interesting, mine have all been about how I view work colleagues, diets and exercise, shopping habits, personality traits and a few random other things! I have £27.73 and £6 something pending, hoping to build up to £50 then cash out again. Sign up

    Your shopping thing sounds great with the £10 voucher, did you find that online? I will have a google and see if I can sign up. Wish I started these survey sites sooner too!

    xx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • Rachel24
    • By Rachel24 28th Jul 17, 9:37 PM
    • 65 Posts
    • 152 Thanks
    Rachel24
    I joined volunteer 4 panels and got invited through that, you have to be invited you can't add someone in.

    So payday tomorrow!!! Actually can't wait!
    • Rachel24
    • By Rachel24 29th Jul 17, 9:26 AM
    • 65 Posts
    • 152 Thanks
    Rachel24
    So me, my OH and DS went food shopping last night. (DS is actually my stepson but he's now 13 and I've known him since he was 6 and we're very close)
    We normally go to Aldi and Asda and last night we spent £160! Our food shopping budget for the month is £400. I think we can easily get that down. I've said to OH we should buy all food in Aldi, toiletries in boots so I get the advantage card points and then we should get our diesel from Tesco so we get clubcard points. We're going to try it, I shouldn't spend anymore than £20/30 in the next 2 weeks because we have so much food and should only need milk, veg etc!
    • Lucylocks
    • By Lucylocks 29th Jul 17, 9:34 AM
    • 92 Posts
    • 208 Thanks
    Lucylocks
    I find boots super expensive even allowing for the points. I try and get toiletries and household cleaning stuff in home bargains - usually comes in around £20/25 per month. I am a detergent snob and buy branded clothes and dishwasher stuff and this is by far cheapest place I've found
    LBM 28/3/17 £24,971 28/6/17 £14,376 42% paid
    • Rachel24
    • By Rachel24 29th Jul 17, 11:32 AM
    • 65 Posts
    • 152 Thanks
    Rachel24
    Thanks lucylocks. I have a homebargains beside me. Never go in there I'll check it out this weekend!
    • Debtslayer
    • By Debtslayer 29th Jul 17, 11:41 AM
    • 358 Posts
    • 525 Thanks
    Debtslayer
    If you have a Farmfoods by you check it out. They are cheap for Toilet Rolls and Detergent
    Current Mortgage 01.09.17 £113,949.32
    MFW Start Mortgage: £114,794.64
    Current MED: 2036 Target MED: 2026
    Overpayment Target for remainder of 2017: £2,000
    Mortgage overpayment savings: £473.20
    MFW No 124
    • reality_check
    • By reality_check 29th Jul 17, 2:42 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    I fine the points in Boots doesn't make up for inflated prices/temptation when in there! Branded make up when you're spending quite a bit always go to Boots or Debenhams. Also I am a branded cleaning product snob too and go through so much and def Home Bargains for me too! Have a good weekend xx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • Reb2016
    • By Reb2016 31st Aug 17, 1:56 PM
    • 90 Posts
    • 103 Thanks
    Reb2016
    Hi Rachel24


    How are things going ?


    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 12359.94
    DFD was October 2020 40 months now 31st May 2020 33 months Overdraft £450/£2250
    11/17 NSD September 9/4 in a row
    • Rachel24
    • By Rachel24 12th Sep 17, 8:08 PM
    • 65 Posts
    • 152 Thanks
    Rachel24
    Sorry not kept up to date in a while. I'm continuing to make minimum payments but clearing one debt at a time. I've paid my bank of Scotland overdraft. Now aiming to finish clearing my royal bank of Scotland overdraft when I get paid at the end of this month then will clear my next account as the interest on that is really high!
    I've been using the PA survey site which I've made about £60 so far. I downloaded receipt hog too. No idea how long it'll take me to make money but for only posting my receipts I can't complain!
    Been off sick the last 2 days as been feeling awful but back to work tomorrow and aiming for NSD the rest of the week. I started a second job. It's not much money extra a month about £100 but it's all going to my debt as determined to get rid of it once and for all.
    • Reb2016
    • By Reb2016 12th Sep 17, 11:02 PM
    • 90 Posts
    • 103 Thanks
    Reb2016
    Sounds like you are doing really well and are keeping the focus going, well done you
    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 12359.94
    DFD was October 2020 40 months now 31st May 2020 33 months Overdraft £450/£2250
    11/17 NSD September 9/4 in a row
    • Rachel24
    • By Rachel24 13th Sep 17, 7:10 PM
    • 65 Posts
    • 152 Thanks
    Rachel24
    Thanks Hun, I still have my low days. Like today I feel like my debt is never ending :-(
    Ive been offered overtime this month though which is great. An extra £125 in my pocket at the end of October so will be putting that towards one of my credit cards
    • Rachel24
    • By Rachel24 16th Sep 17, 8:57 AM
    • 65 Posts
    • 152 Thanks
    Rachel24
    Morning diary

    I've decided I'm going to write my spends every day. After reading misstara's diary it inspired me. So today will definitely be a spend day as I've got a wedding today. Other half is driving as he has a half marathon next weekend. I'm bringing £20 with me and no more. Then from tomorrow until Friday I'm aiming for NSD's. I keep nipping out at lunch and getting a boots meal deal but this money should be going on my debt.

    Hope everyone has a great weekend
    • Rachel24
    • By Rachel24 17th Sep 17, 9:11 AM
    • 65 Posts
    • 152 Thanks
    Rachel24
    Morning diary

    Well I only spent £5 last night! I have £15 left in my purse which I'm putting in a box until next Sunday when I'm away out all day with my other half for a half marathon. Today will be a NSD just going to do some cleaning. I bought oven pride which I saw someone had recommended so going to try that out. So sad I know!
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