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  • FIRST POST
    • Lancashirelass1
    • By Lancashirelass1 17th Aug 17, 11:44 AM
    • 92Posts
    • 194Thanks
    Lancashirelass1
    GOAL:Debt free by 43! but how will I get there!!!!???
    • #1
    • 17th Aug 17, 11:44 AM
    GOAL:Debt free by 43! but how will I get there!!!!??? 17th Aug 17 at 11:44 AM
    Hello all

    On the 2nd August 2017 - I made my first attempt at joining in on this site, so inspired by some peoples post that I joined. I also like the honesty on this site, and I love that! Just warning you though that I talk A LOT!!!!

    For a few months I have been living wage to wage and paying off money, minimum payments etc.
    Quite happy to be living like this, or so I thought.
    My dad is very poorly and terminal at only 60, this has been heartbreaking to watch and for my dad, him facing mortality so young is just awful, and in times of sadness, things can be put into perspective, he asked me how many years are on my passport....I told him, and he told me to use it....this was not advice - it was an instruction. He knows about my debt, he can probably see I am wasting money. One of the things is that he said 'that my daughter, she wont remember all this stuff, she wont remember this and that, she wont remember you getting the extension done, but what she will remember is you both having fun and making really good memories.....and he is right.
    So, I am now 42, I will be 43 next April... I know every reason why I have spent the money, I know how I got here too, and I know now, that I want to stop doing it and I want to go on holiday next year with my daughter not having to worry.
    I posted on the 2nd August and I have had an amazing amount of support and so I start my new thread as I now account for what is happening with my personal journey to be debt free by 43!
    What I post, some will be good, some might be awful, some where I have messed up, but the outcome from this is that it will be a bumpy journey, but I am aiming to do this.....and I hope to make some friends along the way who I can account to!

    As I am very new to this site, I am still trying to find my way around.....
    so I will just post what I have done up to now from my other thread and then post my snowballs....my first snowball starts next week and the really funny thing is that I am currently wishing my life away, because I really cant wait!!!! If I have missed anything please just shout out....

    ACTIONS UP TO NOW AUGUST 2017
    Get all debts together
    Sign up to forum
    Get lots of advice
    Meet with financial advisor and tell her everything and so a SOA
    Opened up new bank accounts - have other accounts attached as small savings accounts all named various things, I now have a total of 3 bank accounts one for wage, one for bills and one for set aside.
    Excel spreadsheets with each debt and a snowball debt spreadsheet.
    All companies contacted and changed the bank accounts to the new bills account
    Set up payment to transfer the bill account money from old bank account.
    Have a spending diary
    have pledged a no spending rule from now till December on any clothes, make-up, shoes, pretty things - this is my first small steps goal so I don't get ahead of myself and this will help me with small goals which I will set up myself as I go along and are more than likely be achieved.
    Set and pencil in meetings with my friend who is a financial advisor next one in December.
    Give myself either 200.00 on a 4 weeks month or 250.00 on a 5 week month only for shopping.
    destroy all credit cards
    put all debts together in their own file system on paper.

    and the most important one for me is be proud that I have eventually started something and making a better chance of living debt free!
    So as I am new, I have no idea what i am supposed to post, so this is my new thread and I will be posting when i get paid!
    Wish me luck!!!
Page 2
    • Lancashirelass1
    • By Lancashirelass1 19th Aug 17, 11:40 AM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    OK guys, first call of the day from Capital One:
    outcome of it all, cancelled the dd and I have been put through to a manager....

    She was very nice and has apologised
    Going forward with this....
    This month has been done but on the wrong date and whoever I spoke to last week didnt change the cycle or something.
    So I have had my first month free basically this month I dont need to pay the minimum payment and she has reimbursed my account with 35.00, she said that basically I start paying in September on the date that i have asked for and she has put the goodwill gesture on....

    so I am happy with that!
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Lancashirelass1
    • By Lancashirelass1 19th Aug 17, 11:56 AM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    Loving your enthusiasm and energy.

    I found, and read in many other diaries that the first few weeks were the rockiest, when we were getting to grips with the situation. For a lot of people the overall debt goes up for a while, whilst they do balance transfers and rejig their finances and the like.But it definitely gets easier once you get into the groove.

    You've made a fantastic start, I've subscribed
    Originally posted by boxofpaws
    Thank you.....yes, I think the first few weeks will be hard, I realise this, and today has given me a headache, but slowly I will get it sorted out.
    What i have found hard, when it shouldn't be, is just a simple change of bank accounts and like Cap one this morning, human error, where someone hasn't changed the cycle date....its a good job I am on the ball - but what angered me even more was more about other people, hence my complaint, what about those people who cant argue or haven't got the confidence to argue, that could have really put me in a massive financial strain and for some, could be the last straw....very worrying and I made that very clear in all the complaints today plus threatened the financial ombudsman too!

    As for my enthusiasm - I think once i have made up my mind about something, I just do it, since doing this, I cannot tell you how good I feel, where by before I dreaded pay day, or just lived wage to wage, at the moment I am just finding my feet a bit, I was always thinking about the money, without realising the effects it was having on me.
    Now, all I feel is positive as I take control over something that was before controlling me.
    Like my diet is my way of life, so will be my money, when I think of all the money I have wasted on rubbish I cringe a bit!!
    I am a bit stubborn actually, which is, to some, a weakness of mine, but for me, its my strength.... I am also an action person, when I give my word on something I stick to it, or my word means nothing, and i have promised my parents that i will try my best!
    There is a lovely goal at the end of all this, I am currently growing into a person that will eventually be good with money, it wont happen over night but I will get there.
    But what will be nice, is that i can take my daughter on holiday, I can just relax knowing that I have saved up for it and not borrowed for it and me and my daughter together as a team have worked towards it.
    I also know it will be hard work though!!!!!!

    have a great day, mine up to now, after my rant has turned out OK!!!!!
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Lancashirelass1
    • By Lancashirelass1 21st Aug 17, 9:18 AM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    SNOWBALL WEEK:
    Just catching up from the weekend - budget for shopping is 50.00 but I have spent 23.50 plus my starbucks coffee treat 28.50 in total. My daughter is on holiday so I dont need to buy in for both of us!
    I have had a text message off my new bank account because yet again it is saying that they do not have enough money to pay all the dd that are due today????????
    WHAT IS WRONG WITH THESE COMPANIES?????? my dd are not due until the 28th of the month....and for some reason it is now apparent that not one of the companies I have contacted not just once,but twice have got it right!
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Lancashirelass1
    • By Lancashirelass1 25th Aug 17, 7:26 AM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    First snowball (this gets a highlighting)

    So, a bit of a bumpy start due to the fact that various companies havent clicked on the correct things at their end, earned £35.00 off Cap One, £30.00 Catalogue and i have complained to another and they are now looking at the case - so goodwill gestures have gone into a set aside account.
    I have now got everything sorted out - PHEW!
    So just a very quick re cap on my history of spending, MAY, JUNE, JULY I spent a whopping total of £2,956.00 approx. I can only imagine if i went into this deeply exactly what i have been spending but it aint good! i also had nothing saved, and living wage to wage, felt very out of control and I didnt know where to start.
    Spending diary usage since I logged on here and the advice has been amazing, and I know I have this weekend to go, but my daughter is still away, and that will make sure that I stick well under budget and i have budgeted for this month anyway, but up to now, i have spent £96.35!!!!!!!!!!!!!!!!!!!!!!!!! this has NEVER happened before and I am very pleased with this and super proud of myself and I have felt, honestly, this morning when I could see that finally the shifting of money into a separate bills account has now finally happened, I am really pleased with the positive outcomes this month.
    So I started on the 7th August 2017
    I have earned some cashback off Quidco of £28.95. Some goodwill gestures of £65.00 and I did some research for my friend and I earned £100.00 in vouchers. The vouchers, I have got some birthdays coming up and I will use these to put into cards. I have pledged no clothes till December so I am sticking to it and I dont need anything anyway!

    As I am on my phone (apologies for all the spelling mistakes) it is difficult to list everything so will do it as soon as I get the computer.
    The debts are now being held into the separate bills account!
    My first snowball money into the bills account has left my wage account into the bills account this has happened today and all the DD are set up correctly - checked yesterday with my new bank
    Money has also been put into the set aside accounts for car, mot, birthdays, shopping and christmas.
    As I have started this in the August and I had no money set aside at all, my friend (the adviser) said that she is going to review my amount going into the bills account in December, so I am not paying loads into this for now although I wanted to, she did advise me that I have nothing in terms of money for things I do need and as I have to get all my MOT, services, christmas together into the accounts, then In January i start a fresh and I can pay in more into the snowballing and I will be straight to the set aside accounts for everything else, so I have paid a lot into the set aside accounts as she is saying that owe this money to myself - it doesnt make sense to me, but she said it will, when it comes to having my boiler serviced and I have the money there to pay it!

    I now watch over this little project and make sure that it happens right!

    I will email as soon as I can get to the computer, but guys, dont you think the spending diary is now super slim!!!
    I also pledged no spending on clothes and I went into town with my sister, I thought, this is going to be a massive tester for me, and I never bought anything, I literally do not need anything, so didnt do it! I even made her walk from a rubble car park (free) because I refuse to pay the expensive car parking because usually I wouldnt have thought anything else, but to spend hours in town, shopping, spending money, eating, drinking, more shopping, and then my car park is well over £6.00 - but we had a wonderful time, I didnt spend any money, I gave her my full attention when she was trying on clothes, and clocked up my steps total by walking to the car park after which was all free for me!
    I think 3 weeks into this and I think my habit forming is now well applied!

    Will email once I have got this dd stuff done and I can see the figures on my spreadsheet.....for some reason I keep thinking its all wrong, but she is a financial advisor and she has worked it all out and promises me its all right! but the money is now in the bills account and i just have to trust its all done now!
    thank you guys for the spurring on.....but I am ultra pleased with the diary...

    LL x
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • enthusiasticsaver
    • By enthusiasticsaver 25th Aug 17, 9:10 AM
    • 4,223 Posts
    • 7,603 Thanks
    enthusiasticsaver
    Fantastic start. You will soon have this budgeting nailed and see the results when the debt totals start coming down and you have savings pots for things like Christmas, car etc etc. I agree with your friend that this is a marathon not a sprint. The first thing to do is change spending habits which you seem to have mastered, set up a system and then learn to live with it. Some of the budgets may need adjusting along the way. You need to live as well as reduce debt and it is demotivating to have to pay too much off to start with then ending up putting something on a credit card because you can't afford to live. Review it in 3 months.
    Countdown to early retirement on 31.12.17 3.5 months to go.
    • redofromstart
    • By redofromstart 25th Aug 17, 6:12 PM
    • 313 Posts
    • 1,361 Thanks
    redofromstart
    good for you on the parking and shopping, its so easy to slip when you go with somebody else.
    • Lancashirelass1
    • By Lancashirelass1 26th Aug 17, 9:24 AM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    Fantastic start. You will soon have this budgeting nailed and see the results when the debt totals start coming down and you have savings pots for things like Christmas, car etc etc. I agree with your friend that this is a marathon not a sprint. The first thing to do is change spending habits which you seem to have mastered, set up a system and then learn to live with it. Some of the budgets may need adjusting along the way. You need to live as well as reduce debt and it is demotivating to have to pay too much off to start with then ending up putting something on a credit card because you can't afford to live. Review it in 3 months.
    Originally posted by enthusiasticsaver
    Thank you so much, I also note you are looking forward to your retirement, how wonderful, I bet you are looking forward to that? Are you planning anything nice?
    I have an appointment to see my friend, in December. For the time being I am not paying in this fully until this review, the credit union, my car is not getting anything extra, from now until December, the credit union is coming straight out of my wage at 300.00 per month but this is now down to under 5,000.00 as they have transferred what was in the savings and adjusted it all, but the interest rate is very low on this. I start paying this from January in the snowball.
    The car again is low interest so i just continue to pay the 132.00 - again start this in January, I have from now until December to pay into the set aside accounts and tackle the credit cards, then its from January to January tackling everything else and its all paid up, I will be debt free basically by the time I am 43 - it will be reviewed every few months.
    In terms of credit cards, she has made me cut them up, when they are paid, or just before I have to get them back, then put a very small subscription on them like spotify at 10.00 and something else on another but very small amounts, god knows what I can subscribe to, and then put it on clear in full every month and this keeps the cards active, I do not understand this but she said that it just shows that i have lots of available credit and I am clearing every month - I have to trust her on this one and do what she says!

    Then and this (another discussion for this) she said that out of my wage she wants me to put at least 350.00 per month into a pension as I will be 43 then and although I have a good pension she wants me to pay in more, I do not get pensions at all, so I will be seeing someone about that in the new year, then looking at paying off my mortgage and getting a better deal once the debts are cleared - it is this that I am looking forward to the most!

    This is not the first time i have tried to sort out my debts, I have tried, and failed miserably and basically, I had no plan, I had no idea about snowballing, I have never heard of it, I have tried everything that i thought was right, but I am on my own with my daughter and I was under a great deal of stress too with my family, and its because I have not been able to follow a plan, or thought it through and now I have had the most amazing help, I have had private messages sharing stories and people have just been so honest on here, I find it brilliant and its just clicked somehow, and I have literally found it really easy this time and I have found it better this way and almost enjoyable.
    A couple of months ago when my dad told me to sort it all out, it wasn't advice it was an instruction, and I really couldn't do it, I think i just failed in the first 2 weeks I was actually quite frightened by all the debts....today I just feel positive and I know this plan is sustainable...however I realise there will be bumps, but i think I can just get back on it and keep to my goals....debt free by the time I am 43! I do also hope that someone one day will read this and see the goals, actions, and my story and perhaps it might help someone one day.....
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Lancashirelass1
    • By Lancashirelass1 26th Aug 17, 9:25 AM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    good for you on the parking and shopping, its so easy to slip when you go with somebody else.
    Originally posted by redofromstart
    Thank you - never happened before with the parking but i clocked up my steps and it was a nice day and it was different too. We had a really nice day and for me, not buying anything was a really good start!
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Narola1976
    • By Narola1976 26th Aug 17, 10:22 AM
    • 97 Posts
    • 258 Thanks
    Narola1976
    You have really made a great start, well done, will subscribe to cheer you on. I am similarly aged, with a DD aged 15 - I would love to take her abroad before she becomes an adult...we have never been!
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
    • Lancashirelass1
    • By Lancashirelass1 26th Aug 17, 10:42 AM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    SNOWBALL FIRST MONTH

    hello all,
    Its just easier to number these and then name them on the snowball.
    Also please keep in mind, that this is being re done and recalculated in December, as currently, it is not including all my debts and also shows that it will take me a while longer than I have previously discussed.
    This action plan, is just until December whilst i get myself sorted and this plan will be more sustainable, plus its feeling more like a short term goal and then look at it again in December.
    Debts not added is two more, which is credit union which is currently just over 5 grand and my car which is around 6 grand. These are low interest and will be included in January when I have my finance review in December this year.

    Currently i am only paying in 652.00 per month into my snowball account.
    The reason we have done this, is because i have no money at all, in my set aside accounts, so I am just getting this sorted for now and paying into these until December then I will be straight with myself and it all gets reviewed.
    I have my bills and my shopping budget out of this (all staying in the wages account) and these are just being paid as normal and once it comes to December I will be straight then to really go hard at this.
    I meet with the financial adviser and re set it all, I will be given new spreadsheets then change to an amount of 852.00 per month to snowball, on the sheets from January 2018, it is saying that i will be debt free by December 2018...however, she said that she forecasts its more than likely be by November 18.
    here you go......
    DEBTS
    Debt 1 = 983.40
    Debt 2 = 719.50
    Debt 3 = 4000.00
    Debt 4 = 800.00
    Debt 5 = 545.60
    Debt 6 = 234.56
    Debt 7 = 425.00

    snowball today Debt 1 barclays loan. 76.68 payment + snowball amount of 321.20 balance now = 634.84!!!

    Also my overdraft was 7400.00 and I have only ever used it up to around 150.00 to avoid and get rid of all temptation, I have now had this reduced to 150.00 - what I will say, is that this was not easy at all to do, the lady in the branch tried to talk me into keeping it, and I have had to really assert myself and politely ask her to reduce it, then I had to complete a form, and then I had to apply for it on line to be reduced and now I have finally got a 150.00 overdraft down from 7400.00 which looks strange on my bank.

    This all feels really really good and I am just pleased and thank full for all the help I have had so far. Thank you x

    To be continued.........
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Lancashirelass1
    • By Lancashirelass1 26th Aug 17, 11:06 AM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    You have really made a great start, well done, will subscribe to cheer you on. I am similarly aged, with a DD aged 15 - I would love to take her abroad before she becomes an adult...we have never been!
    Originally posted by Narola1976
    I hope you get to go on your holiday with your DD. That is such a brilliant goal for you to aim for. Where were you thinking of going? I am also pleased that my post has helped you in some way - that has made me very happy. I have tried to explain what is going on clearly so that one day it might help someone else too - I do talk alot so apologies if my thread is very war and peace!!!!
    My plan for a holiday......I cant go just yet, but......
    I have set myself short term goals for now, so I can try my best in sticking to it all, I have an aim to pay off these debts first of all, which are literally just holding me back from going on a holiday, worry and debt free. My first holiday abroad will not be until say, 2019 as being quite real about this, holidays are quite expensive arent they, but I do want to go somewhere, even if its just a caravan holiday as currently I couldnt do this without the guilt of spending too much as I havent got it to spend it!!!!

    My short term goals are
    From now until December I am not buying anything like clothes, only because I dont need anything. I have sisters and sister in laws that I can borrow off, if i need to feel I have something new on...although I am laughing as I write this, as I never ever go out, all I have in my diary is a christmas do and that is it! I used to go out ALL the time, but now I just like staying in! So not buying clothes is actually quite easy now.
    Beauty products - I did buy loads and I spent a fortune on stuff - this is not needed because i have massive stash of it - so no beauty stuff till my review.
    Gym gear - this is a massive down fall for me - but again nothing until my review.
    Stick to my shopping budget and draw this out on pay day and keep to my lists - up to now I have done this!
    To start to pay the snowball until December and really try hard on it - this has now started!
    Keep in contact with this site.
    Keep the spending diary - which quite honestly has been absolutely brilliant.
    My longer term goals are, my first holiday I would like to go on, is not abroad, its where i spent most of my childhood in Devon Cliffs, so I would like to go there first and then go and see my sister as she lives in St Ives, I want this to happen really next year, I keep promising my sister that i will go and see her, and I just never get around to it - but I aim to do so next year.
    I havent really thought about abroad holidays yet, but I will start to plan something.
    Good luck on your journey - thank you so much for your post xx
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Narola1976
    • By Narola1976 29th Aug 17, 9:08 AM
    • 97 Posts
    • 258 Thanks
    Narola1976
    I hope you get to go on your holiday with your DD. That is such a brilliant goal for you to aim for. Where were you thinking of going? I am also pleased that my post has helped you in some way - that has made me very happy. I have tried to explain what is going on clearly so that one day it might help someone else too - I do talk alot so apologies if my thread is very war and peace!!!!

    My short term goals are
    From now until December I am not buying anything like clothes, only because I dont need anything. I have sisters and sister in laws that I can borrow off, if i need to feel I have something new on...although I am laughing as I write this, as I never ever go out, all I have in my diary is a christmas do and that is it! I used to go out ALL the time, but now I just like staying in! So not buying clothes is actually quite easy now.
    Beauty products - I did buy loads and I spent a fortune on stuff - this is not needed because i have massive stash of it - so no beauty stuff till my review.
    Originally posted by Lancashirelass1
    Hi, popping to say hi before I start work, its great to work from home, just have to walk upstairs!

    My daughter is obsessed with all things Japanese/Korean and would dearly love to go there, so instead of the usual Majorca or Greece, I would love to take her to Japan. I would love to go to sunny spots in Europe but am happy to wait until she is independent and we have money!

    I am so with you re beauty products...but as my DD says...I am good at buying them but not good at using them! Which is worse than buying them. I have wonderful products but never use them consistently. So no more products for me. As for clothes, well I have loads waiting for me to lose weight so can't justify buying more. If I lose weight I would have a great number to choose from.

    Your goals sound great and I think coming on here to update really helps and I am another one for writing war and peace so don't you worry about it. It really is very inspiring. I think it just helps to keep you focused. Have a good week
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
    • Lancashirelass1
    • By Lancashirelass1 30th Aug 17, 12:31 PM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    Hi, popping to say hi before I start work, its great to work from home, just have to walk upstairs!

    My daughter is obsessed with all things Japanese/Korean and would dearly love to go there, so instead of the usual Majorca or Greece, I would love to take her to Japan. I would love to go to sunny spots in Europe but am happy to wait until she is independent and we have money!

    I am so with you re beauty products...but as my DD says...I am good at buying them but not good at using them! Which is worse than buying them. I have wonderful products but never use them consistently. So no more products for me. As for clothes, well I have loads waiting for me to lose weight so can't justify buying more. If I lose weight I would have a great number to choose from.

    Your goals sound great and I think coming on here to update really helps and I am another one for writing war and peace so don't you worry about it. It really is very inspiring. I think it just helps to keep you focused. Have a good week
    Originally posted by Narola1976
    Hi there,
    yes coming on here is def helping me!
    Japan, that is very interesting, and it can be your goal for the future.
    If you cant manage it when you are debt free, then you can do something else and at least you have been somewhere together, if you like city breaks, you could try somewhere interesting like Rome, Barcelona etc and do short breaks?
    Now beauty products, hair products make up are my absolute weakness, I just love them and I can use them with ease too!
    Like a famous make/brand not sure if I can write it, and its 120.00 for a pot of it and yes I have bought it and yes it is gorgeous and no, I am not rich enough to buy it and have really reflected on all this buying
    I have found a really nice moisturiser actually and its lovely and works even better and will last me about 6 months and it is really nice. I have enough 'stuff' to last me to my next review anyway so you can imagine what I have been buying!!
    Diet and fitness is what I love, in fact, I absolutely love the gym. About 3 years ago I joined a popular slimming class, not sure if I can put the name of it on?
    And anyway, sat there, took about 10 weeks I think at 5.00 per class and they said I reached goal...I still felt out of shape.
    So the next day, and dont forget I had no concept of money at this time and I had separated from my husband and basically thought I could just do what I wanted really. I joined the gym and met a personal trainer she said that i was skinny fat, and I did pay her a lot of money in fact I cant post what I paid it makes me cringe! The money i paid was worth it in the end and it was hard work but I learned not just about weight I learned about food, the right food and my whole concept of it all changed the way I thought, and what was at first vanity and getting slim for my 40th, has turned me into someone that just feels healthy. I would not be able to tackle what my family is going through if it wasnt for strong mental health!
    The whole, I am not doing weights as it will make me look bulky, just proved me wrong when I literally went from a size 12 and weight 9 stone to a size 8/10 weight about 10 and half stone and yes I did put the weight back on as my muscles are heavier but not much more weight and so the food and gym are the love of my life in terms of my hobbies! What I did notice though was that the clothes I had once fitted into, just looked awful on me and its because my whole body shape changed for the better though!
    I mainly wear my suits for work but then I am in lounge wear then, dog walking stuff so for my clothes I dont need anything yet....It is not to say I want things, but right now, I also want this debt to be gone!!!

    speak soon xx
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Lancashirelass1
    • By Lancashirelass1 30th Aug 17, 12:58 PM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    Hi guys,
    Not sure how this is going to pan out, but I was reading through some old paper work yesterday, i was off work and I seem to remember at the time of me getting this particular car in 2005 ringing for advice as i had a baby and it was a struggle due to mat leave pay.
    I came on here yesterday and logged into the ppi part and i have logged a ppi claim.
    My understanding is that i was sold this insurance and that I was told that if I didnt take out this insurance I could not have the car (so this is my mis sold part) I think, but then when I did need to get some help, I was told that mat leave was not covered. I actually remember the conversation at the time and me going mental asking why I had the insurance in the first place, also further into this, I also had an insurance on my credit card and on my sofa and for the same reasons when I went on mat leave, I couldnt use it for it not being covered!!!!!
    So I have logged a PPI complaint.
    ALSO, I was talking to my financial advisor friend last night as I mentioned this to her, and she also mentioned that when she was doing my figures that i have this thing with the bank where by I pay a fee every month and it is supposed to help me like rewards.
    I have never used this service and again to get my overdraft I was told to get this account and then I could have the over draft.
    I have now got rid of this 7,400.00 overdraft and just to add that the hassle I had to go through to get rid of it was unreal, like they wanted me to keep a debt that was just too tempting and although the lady at the bank, was in fact, just doing her job, as I was explaining that I never use, it she used tactics like, what if you ever needed it,what if your boiler broke, what if you had an emergency, which just annoyed me in the end.....so the over draft is now gone....it is at 150.00 as I have only ever used this much but as I type this I feel annoyed and i might just close it off completely.
    My friend has drafted me a very strongly worded letter, with lots of legal jargon in it and i have now emailed this across.
    I have had this account since 1999 and so I have had this reward amount coming out of my bank for this long under the belief that i had to have it for the overdraft.
    I honestly do not understand this side of things, but I am sure I will hear something back from them soon.
    To be continued........
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Narola1976
    • By Narola1976 31st Aug 17, 7:40 AM
    • 97 Posts
    • 258 Thanks
    Narola1976
    Hi there,
    yes coming on here is def helping me!
    Japan, that is very interesting, and it can be your goal for the future.
    If you cant manage it when you are debt free, then you can do something else and at least you have been somewhere together, if you like city breaks, you could try somewhere interesting like Rome, Barcelona etc and do short breaks?
    Now beauty products, hair products make up are my absolute weakness, I just love them and I can use them with ease too!
    Like a famous make/brand not sure if I can write it, and its 120.00 for a pot of it and yes I have bought it and yes it is gorgeous and no, I am not rich enough to buy it and have really reflected on all this buying
    I have found a really nice moisturiser actually and its lovely and works even better and will last me about 6 months and it is really nice. I have enough 'stuff' to last me to my next review anyway so you can imagine what I have been buying!!
    Diet and fitness is what I love, in fact, I absolutely love the gym. About 3 years ago I joined a popular slimming class, not sure if I can put the name of it on?
    And anyway, sat there, took about 10 weeks I think at 5.00 per class and they said I reached goal...I still felt out of shape.
    So the next day, and dont forget I had no concept of money at this time and I had separated from my husband and basically thought I could just do what I wanted really. I joined the gym and met a personal trainer she said that i was skinny fat, and I did pay her a lot of money in fact I cant post what I paid it makes me cringe! The money i paid was worth it in the end and it was hard work but I learned not just about weight I learned about food, the right food and my whole concept of it all changed the way I thought, and what was at first vanity and getting slim for my 40th, has turned me into someone that just feels healthy. I would not be able to tackle what my family is going through if it wasnt for strong mental health!
    The whole, I am not doing weights as it will make me look bulky, just proved me wrong when I literally went from a size 12 and weight 9 stone to a size 8/10 weight about 10 and half stone and yes I did put the weight back on as my muscles are heavier but not much more weight and so the food and gym are the love of my life in terms of my hobbies! What I did notice though was that the clothes I had once fitted into, just looked awful on me and its because my whole body shape changed for the better though!
    I mainly wear my suits for work but then I am in lounge wear then, dog walking stuff so for my clothes I dont need anything yet....It is not to say I want things, but right now, I also want this debt to be gone!!!

    speak soon xx
    Originally posted by Lancashirelass1
    I know exactly what you mean about the luxury beauty products - I am a great one for these and I would think nothing of paying a £120 for a pot....on the credit card of course as then you don't feel it - HA! Of course, it's a bloody trick because I end up paying for years on something that is perishable. It's laughable. But what is worse is that I do not use the products - they just sit there, hundred of ££ worth of products. Right a pact then, I will faithfully do my face morning and night. And report back to you all on MSE! At 41 I should be looking after myself better! Of course, I do also buy for DD - she is very good about using her products and again, I won't let her use cheap stuff, so I do spend loads on her but as she actually does use it, I don't feel so bad, and mostly shop from B00ts so at least I can sometimes pay with points. So I have never understood why we can't name the shops? Or mention the brand or company...I don't get that, its not like we are advertising? Maybe someone can tell us both!

    In terms of your gym, it sounds as if this has been a real success for you...the point is that even though it cost a pretty penny especially with the PT, the fact is you fully benefited from it and so it was not a waste, unlike me who has had several gym memberships over the years and never bothered to go! I have many stones to lose and I suck at sticking to anything. But really need to get myself sorted.

    Hi guys,
    Not sure how this is going to pan out, but I was reading through some old paper work yesterday, i was off work and I seem to remember at the time of me getting this particular car in 2005 ringing for advice as i had a baby and it was a struggle due to mat leave pay.
    I came on here yesterday and logged into the ppi part and i have logged a ppi claim.
    My understanding is that i was sold this insurance and that I was told that if I didnt take out this insurance I could not have the car (so this is my mis sold part) I think, but then when I did need to get some help, I was told that mat leave was not covered. I actually remember the conversation at the time and me going mental asking why I had the insurance in the first place, also further into this, I also had an insurance on my credit card and on my sofa and for the same reasons when I went on mat leave, I couldnt use it for it not being covered!!!!!
    So I have logged a PPI complaint.
    ALSO, I was talking to my financial advisor friend last night as I mentioned this to her, and she also mentioned that when she was doing my figures that i have this thing with the bank where by I pay a fee every month and it is supposed to help me like rewards.
    I have never used this service and again to get my overdraft I was told to get this account and then I could have the over draft.
    I have now got rid of this 7,400.00 overdraft and just to add that the hassle I had to go through to get rid of it was unreal, like they wanted me to keep a debt that was just too tempting and although the lady at the bank, was in fact, just doing her job, as I was explaining that I never use, it she used tactics like, what if you ever needed it,what if your boiler broke, what if you had an emergency, which just annoyed me in the end.....so the over draft is now gone....it is at 150.00 as I have only ever used this much but as I type this I feel annoyed and i might just close it off completely.
    My friend has drafted me a very strongly worded letter, with lots of legal jargon in it and i have now emailed this across.
    I have had this account since 1999 and so I have had this reward amount coming out of my bank for this long under the belief that i had to have it for the overdraft.
    I honestly do not understand this side of things, but I am sure I will hear something back from them soon.
    To be continued........
    Originally posted by Lancashirelass1
    Oh this sounds very promising indeed, it sounds as if you could really be entitled to money back so well done for getting this far, keep us posted as to how it goes. Unfortunately or fortunately depending on how you look at it I have never had PPI as far as I know, so no possible pot of money for me boo hoo.

    So glad its payday, although nothing is really going to happen today, most of the DD are set for tomorrow, so for today at least my bank balance is really healthy, but not for long! Have a good day, chat later
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
    • Lancashirelass1
    • By Lancashirelass1 2nd Sep 17, 12:13 PM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    Hi
    Had a reply from the what I now know as mis sold reward charges from my bank. They are looking into it.
    Another company when I bought my sofa have replied.
    I've had a reply back off my car loan....
    I'm impressed at how quickly this has happened too.
    Just going to wait now at if I'm owed anything.

    Money spent this week.....
    Set aside money 250 uniform. Which is actually my daughters account which I don't touch.
    38.00 shopping at aldi
    12.00 laundry, cleaning products.
    I had to buy my lunch through the week at 2.60 which I really didn't want to do, but forgot my lunch, then thought I'd have it for tea, but got home and my dogs had eaten it!!!
    So spending is very much improved from previous months, this diary is proving valuable to me now.

    Just going to wait and see if I get any extra money from my recent enquiry.

    Have a great weekend.
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • Lancashirelass1
    • By Lancashirelass1 16th Sep 17, 12:23 PM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    Hello all.
    A really hectic couple of weeks.
    A delay in my snowball, an urgent meeting with financial adviser, oven blew up, builders here putting on a new roof.
    Ppi money back and so just a very quick update and as soon as I can I'll be putting on my snowball for this month and what's happened over last two weeks.
    The positive is my spending diary I'm super proud of it!
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • UncannyScot
    • By UncannyScot 16th Sep 17, 1:14 PM
    • 595 Posts
    • 2,629 Thanks
    UncannyScot
    Hi just caught up with your diary... WOW!
    You are super organised
    I know you say that you do not understand a lot of what your advisor friend is telling you about your finances, however, as this progresses and progresses well I'm sure you will begin to pick it all up.

    I have subscribed and will follow with interest
    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.
    • Lancashirelass1
    • By Lancashirelass1 16th Sep 17, 3:39 PM
    • 92 Posts
    • 194 Thanks
    Lancashirelass1
    Awww thank you for that. Let me start by saying its not easy, but it's taken me a while to get going, but I'm onto it now.
    I'm just finding it hard as the financial advice at present is telling me to pay myself first, so a grand in the case of the insurance premium, the car the house for its servicing, Christmas, birthdays etc....as I had nothing set aside at all. I basically owed myself this. In the new Year I'll be straight to really go hard at it. At present, I'm getting into habits, the spending diary has gone from spending loads to just spending what I'm supposed to do. I thought it would be hard, I'd be lying if I wasn't a bit shocked at first, but now, my whole outlook has changed, I feel brilliant. I just don't have a lot of patience and really want to start it, but I'm being assured that what I'm doing, is the right way.
    I can't pay now on snowball to debts as my oven broke and so did my roof.....so I'm paying this off now as though it's another debt, a shame, but I need an oven and we need a roof, but once I reach my next review in December, I will be straighter, the set aside will be paid as it should and the new Year, I'll already be in the swing of it all......
    I'll be able to pay in as much as I can then and hopefully I'll be debt free in no time.
    It's definitely made me think of money better!
    Thank you for subscribing too.
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • UncannyScot
    • By UncannyScot 16th Sep 17, 7:55 PM
    • 595 Posts
    • 2,629 Thanks
    UncannyScot
    As you'll see (if you have been following my diary on here ) I think have developed a better understanding of money management and cash flow since I started on my MSE DFW journey.

    I budget for everything, if I cannot afford it outright at the moment then I save for it...
    Surplus from my allocated budgets gets filtered into savings.
    I do surveys to supplement my savings too.
    I have cut back to the basics for everything I need.
    I bake my own treats, I mostly cook from scratch with fresh ingredients and I brew my own beer.
    I buy what I need as I need it.
    Very MSE lol

    It is a good way to be and hopefully by doing what you are doing now you will be instilling good money sense into your DD for the years ahead too
    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.
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