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  • FIRST POST
    • lcc86
    • By lcc86 25th Aug 17, 9:08 AM
    • 869Posts
    • 2,336Thanks
    lcc86
    Oops, back again...
    • #1
    • 25th Aug 17, 9:08 AM
    Oops, back again... 25th Aug 17 at 9:08 AM
    So, after thinking hard about whether to start another diary I've decided I need to do so in order to make sure I pay off my shiny new debts again once and for all!!!

    To give some background, I was in debt for most of my adult life from 21 to 30 years old as I was just extremely irresponsible with money I kept it secret from my family and managed to pay it off earlier this year when I sold my flat.

    I kept an 'emergency' credit card which was to be used for work expenses and any aforementioned emergencies. However I wasn't strict enough with myself and used it to book a mini break, and a couple of other things. I'd budget to repay it the following month, but surprise surprise actual emergencies occurred e.g my windscreen smashed and needed replacing, my car needed some new parts, and more recently I've had vet fees to pay. All of which has meant I now have £635 on there, with the final vet bill still to be sent to me, so realistically it'll be about £800. My phone also died a few weeks ago and so I used my Very account to get a new one at £200. On top of that I've also just signed up to a chiropractor treatment plan to fix some longstanding issues with my spine.

    So basically I wanted to start a diary to help on the journey to clear all the debt again once and for all! My biggest error when I became debt free was not focusing on an emergency fund (I booked a holiday instead ). I've been part of the 365 day challenge this year so have decided that that money will be my emergency fund and I'll hopefully add to it next year as well. No holidays next year outside the UK as I'm returning to uni via distance learning in a few weeks so I'm hoping I'll be so busy with that that time will fly and I won't even notice!

    So time to bite the bullet and write down the totals:

    Very account £177 (mobile phone) 0% interest
    Credit card £625, 0% interest, broken down into:
    - £129 camper an holiday
    - £25 windscreen
    - £25 chiropractor
    - £240 vet fees (with more to follow)
    - £136 car parts
    - £60 car insurance (renewed a few weeks ago and didn't quite have enough)
    - £10 work expenses (not too concerned about this as will be reimbursed)

    Grand total of £802

    I've seen over the last few weeks that it's incredibly easy to rack up debt when you don't have an emergency fund. Each time I've thought oh I'll budget to repay X over the next month or two months, but then something else comes along and throws a spanner in the works. So no more! Time to clear it once and for all! I'm annoyed with myself that after everything I went through to clear the debt last time, it's easily crept back up again within 6 months. I have the means to not be in debt, I just need to be smarter. And remember that emergency really does mean emergency!

    I'll start contributing properly when I get paid next week. I've set the budget and the plan is to put £250 towards credit card, £30 to Very, and I also need to save £250 for various bits and bobs. I hope to be debt free again by January or February at the latest.

    So if anyone wants to join me and listen to my ramblings again, feel free!
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
Page 2
    • lcc86
    • By lcc86 11th Sep 17, 9:47 PM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Evening all

    The weekend is well and truly over, they seem to go so quickly these days! Didn't bag any more NSD's as I bought a new toothbrush and a couple of other bits yesterday. Today I bought a wrap for lunch - very unlike me as I rarely buy lunch, I even had my lunch with me but just didn't fancy it today. Back on track tomorrow however. I also had to fill up with petrol today as well.

    Went riding yesterday which was great, really enjoyed it and OH walked along next to me so it was nice to spend some time together. Today I managed a 45 minute walk before work and then 30 mins at lunchtime.

    Current totals for the month now stand at:
    6/18 NSD's
    9/20 healthy days
    £18.92/£20 spent on toiletries
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • lcc86
    • By lcc86 13th Sep 17, 8:34 AM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Plodding on this week, thoroughly fed up with work. Not the job itself but just some of the staff I supervise. They requested a meeting as they're casual workers so don't get together on a regular basis, so I arranged one for last night and one by one they all dropped out. I wouldn't mind but I'm having so many issues with them that I really needed to have the meeting to try and address said issues... Oh well, today is another day!


    Not much else to report. Bagged another NSD and healthy day yesterday. The internet has decided to go down at home, tried to get through to them yesterday but they had a 45 minute wait to a premium rate number, so I gave up. Called them this morning and they're hopefully going to sort it out over the next couple of days. We don't have a TV license at home so just watch Netflix and catch up, so it was interesting having no TV yesterday!


    My OU unofficially starts tomorrow - the website goes live although the module doesn't officially start until October. I'm going to spend some time going through the website and working out what I need to do over the next few weeks and get started over the weekend. I want to get a head start so that if I have a few days when I can't be bothered, it won't be the end of the world!


    Off to London again for work tomorrow so need to pay out for another train ticket. Going to stop off at Borough market on the way home, I got some spices there earlier in the year which I LOVE and use with everything lol. I was going to reorder online but remembered I'm passing that way so will try and pick it up tomorrow instead to save on postage and be a bit more MSE.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • lcc86
    • By lcc86 15th Sep 17, 10:25 PM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Managed to get the Internet fixed after a couple of phone calls. Was without it for 2 days in the end. We don't have TV so I really noticed the difference without being able to stream stuff. Board games and bizarre discussions aplenty!

    I've had a look at my uni materials, it looks exciting (feel so nerdy saying that). I'll be getting started properly tomorrow. Yesterday I bought a text book for the course (a used copy but still £16 with postage), and also bought the spices I mentioned, so it wasn't a NSD. Today has been a NSD, OH paid for a takeaway and we played a board game for a bit. Feel a bit ill now though, everything seems to be disagreeing with me atm

    Have a small money dilemma - my friend is getting married next year and I've been invited to the hen party. Only trouble is that it's £400 and they need a £50 deposit by the end of the month. A lot of people I know seem to be doing increasingly expensive hen do's and I don't know where I sit with it. Next year I wanted to save money, build on my emergency fund and possibly have a small break in the UK. I don't think I can justify that amount for a weekend away, even before food and drink is added. I might see if I can go for part of it and just join in some of activities so that I'm not a complete scrooge

    Plans for the weekend are to study tomorrow and do some chores. Sunday I'm volunteering in the morning and then riding in the afternoon. Nothing fancy, a pretty quiet one but on the plus side it'll keep costs down and tbh I enjoy the pottering around side of things.
    Last edited by lcc86; 15-09-2017 at 10:28 PM.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • lcc86
    • By lcc86 16th Sep 17, 3:59 PM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Afternoon all,

    Well I've completed my week's studying today, feeling positive about it all at the moment. I've started early so that if I have a busy week or a 'can't be bothered' week, then I won't fall behind. So far so good.

    On the not so good front, my tablet looks like it's decided to give up the ghost. I use it every day so that's a touch frustrating. I've had it about 5 years and it only recently showed signs of breaking, so it's done relatively well. I'm undecided about getting another one because of money. There's an amazon one for £30 which I could get, but I want to see what I have left at the end of the month. I really want to have as much spare cash left as possible as I do have a couple of things I need to buy and I'd like to pay a little off my credit card... Quite frustrating when these things crop up. Still, I can certainly make do for now.

    Submitted up to date gas and electricity meter readings (they won't give us a smart meter yet for some reason) and we're £80 in credit we were a little in credit before so it's good to know we're not using loads. They want to reduce the direct debit but with winter coming I've left it as is. I always aim to keep the heating off as long as possible but it seems to be getting cold early this year!

    I also paid my cc bill today - I've incurred £15 of interest so my new total is £546. It's certainly headed in the right direction. I won't be able to pay as much off next month unfortunately so progress will be slower, but progress is progress regardless of how slow it is. I'd like to pay off an extra £15 before the end of the month to take account of that interest charge.

    Finally, an updated tally of where I'm at this month:
    9/18 NSD's
    11/20 healthy days
    £20.32/£20 spent on toiletries - have gone ever so slightly over budget here! No other spends planned though.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • lcc86
    • By lcc86 18th Sep 17, 5:38 PM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Evening all,


    Just reporting in after the weekend. Yesterday wasn't a NSD, I was out volunteering and then horse riding, so I decided to treat myself to a mini bottle of wine afterwards to relax. £1.89 spent. Then I decided that as it was already a spend day, I was going to get a book from Amazon (second hand) - I finally bought Anne Frank's diary, it's something I've meant to read for years and finally decided to do it. Think it cost something like £3.30 with postage, so pretty reasonable. I want to try and read more books as I used to be such a bookworm but have fallen out of the habit a bit in recent times.


    Today I bought my NUS student discount card so it won't be a NSD again (forgot to buy it yesterday!). That should save me a fair bit of money here and there so a good investment.


    Had a look at my finances for the remainder of the month this morning. It's looking okay, I should have a little money left in my food/petrol account, so might keep that in there for next month as a surplus. I should also have approx. £70 left in my current account. I'll divide this up between an extra debt payment, putting some money back into my household savings, and hopefully getting a new mat for the floor in my car. The current one has worn through and now I'm wearing a hole through the actual carpet on the car through to the bare metal so a replacement is definitely needed! I've needed one for months but have always been wasting money, so it needs prioritising.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • lcc86
    • By lcc86 21st Sep 17, 10:08 AM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Morning all


    Working from home today so saving money on fuel shopping has been delivered this morning and I've got some sausage casserole in the slow cooker for OH. Will have a go at a veggie spinach lasagne later on, first time I've attempted the recipe so we'll see how it goes. I've gone slightly over on the food budget this month, but I had a surplus from last month and I've got a surplus from unused petrol money which I keep in the same account so it's not the end of the world. I have a full tank of fuel (may need £10 to see me through to payday), food until the end of the month (barring a small amount of fruit for work next week) and have £38 in the account, so will have a decent surplus come the end of the month


    My tablet decided to come back to life and appears to be working fine so I think I've avoided the need for a new one (phew!). If it breaks in future so be it, but I'm glad it's still going for the time being!


    I bit the bullet and realised I'd better start planning for Christmas and what I want to get people. I want to keep costs down but I say this every year and it doesn't seem to happen! I've started saving already so will start buying stuff as and when I see something I think someone will like. It'll creep up on us before we know it!


    Last couple of days have been NSD's but NOT healthy days as we had a buffet at work and then had leftovers yesterday. Current tally stands at:


    12/18 NSD's (not sure if I'll get 6 more before the end of the month but will give it a good go!)
    14/20 healthy days
    £20.32/£20 spent on toiletries/household goods
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • lcc86
    • By lcc86 23rd Sep 17, 11:03 AM
    • 869 Posts
    • 2,336 Thanks
    lcc86
    Morning all,

    Been for a walk and got a couple of things done around the house, now I need to settle in for some studying. I did a lot of studying during the week so I'm ahead of where I need to be. No pressure today really, just going to do a couple of hours probably. Need to clean my aquarium, the kitchen and bathroom, put the washing away and do some dusting. Might go cinema with OH later as we have free tickets. We were meant to go last night but couldn't be bothered

    Yesterday was definitely a spend day. I got a book for dad for Christmas, a wireless mouse (something I've meant to buy for at least a year ), paid for parking at the chiropractor, paid the deposit for my work Christmas do, and bought some waterproof riding trousers online. Not 100% sure they'll be long enough so we'll have to wait and see what they're like when they turn up. No spends planned today or tomorrow though.

    I checked my clubcard account and have some vouchers in there, so added one to next week's shopping delivery. Not sure why they're not being sent any more - I have definitely updated our address, checked it again today but hey ho.

    I paid the extra £15 off my credit card today to cancel out the interest I accrued. In the month since I started this diary I've almost halved what I owe and got it down to £435 although I'm still waiting for the final bill from the vet, not sure what the delay is. Anyway, as it stands I should be debt free by January again... It's like deja vu from last year! I'd like to try and push it to December but it's always such a spendy time of year so I'll have to wait and see. I've been able to make decent progress this month, but the next few months will definitely be slower. Still, it's headed in the right direction so I'm on the right track... Just need to keep building the emergency fund as well to prevent a re-occurrence in future!
    Last edited by lcc86; 23-09-2017 at 11:05 AM.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
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