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  • FIRST POST
    • DebtFreeDuo
    • By DebtFreeDuo 20th Sep 17, 8:43 PM
    • 175Posts
    • 771Thanks
    DebtFreeDuo
    This Duo's debt free journey
    • #1
    • 20th Sep 17, 8:43 PM
    This Duo's debt free journey 20th Sep 17 at 8:43 PM
    I had a previous thread but having problems locating it so thought I would start a fresh one. Brief intro, the duo is me and my little one, just over a year ago my debt was at a figure of around £12k, as of today it stands at £6124.40. This is made up of 2 loans (one car) and one credit card which is 0% until April 2019.

    My aim is to save up over the next 6/8 months so that I can overpay 6 months worth on the loan with the shortest term, this will clear the loan completely as the last payment is December 18. Then I will tackle the second loan which is due to end April 19, I aim to clear this by around December 18 and then clear the 0% card last but well in time for the 0% ending.

    I can't do much until January, I'm currently studying and therefore get my income 3 times per year which I use to overpay, I have just cleared £1500 which is all I can manage until my next payment. This includes a monthly saving to my Help to Buy ISA. I have around £4k in my ISA but I am reluctant to use this to clear my debts as I will earn more back on this then I will save in interest with the governments 25% bonus.

    I have gone over all of my monthly bills and I am certain that I cannot make any further savings than I have made recently. I am currently listing as much on ebay as I can to give me a little extra money for treats that I haven't included in my budget up to December.

    Will update my signature shortly but as it stands my debt free date is April 2019, I aim to bring this forward to Dec 2018 at the very latest.
Page 3
    • DebtFreeDuo
    • By DebtFreeDuo 6th Oct 17, 9:58 AM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Total spends left: £447.61, this doesn't yet include what I have earned from PA but does include my swagbucks voucher that came through today and yesterdays amazon voucher. I'm actually feeling extremely proud of myself for having spent so little in this first week. I'm currently living out of my freezer as much as I can which is really saving me having to spend any money on food, I think whats really helping me right now my target for NSDs, I'm feeling really determined and it is stopping me completely from spending mindlessly.

    My budget will go down a fair bit tomorrow as I need fuel and I am planning a little treat for me and small D, not too expensive but something, he deserves a treat with how well he is getting on at school and how he has taken care of me and been extremely kind to me over the past two weekends. He is such a wonderful child and I feel truly blessed that he is my son.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • DebtFreeDuo
    • By DebtFreeDuo 6th Oct 17, 11:32 AM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    I just have to get this down as I'm really excited by the thought, I have been looking over the next 12 months and feel that the following is completely doable:

    Car loan balance in Jan 18 approx £2100 - Clear and be left with around £1000 after bills to last until May

    Loan balance in April 18 approx £1200 - Clear and be comfortable with no huge restrictions on budget

    CC balance September 18 approx £800 - Clear and be debt free!

    I think the above is completely possible which could mean that in less than 12 months I could be completely debt free. I have started with the car loan as this is the longest length loan and therefore costing me the most, my repayments are higher for the other loan too. If I add in possible overpayments to the CC then I could be clear before this but I don't want to stretch myself too much and I want to have a nice comfortable summer with lots of treats for the both of us.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • Nicnak
    • By Nicnak 6th Oct 17, 7:59 PM
    • 136 Posts
    • 320 Thanks
    Nicnak
    Take care of yourself too. Perhaps have a little blow out instead of a huge one to help motivate. For your birthday, I agree that you need to have that little treat.

    You're making huge progress. Those little £5 here and there really do add up. I just looked at my direct debits and saved over £40.

    x
    September 6th 2017 start Updated 24th September
    Credit Card £430 now: £0
    Tesco Loan £7500 = £7220
    Car loan £17450 = £17,099
    Total = £25,380 £24,319
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Oct 17, 8:33 PM
    • 1,372 Posts
    • 3,315 Thanks
    HairyHandofDartmoor
    It's great when you see those debts coming down and it's a lovely idea to spend some quality time with DS
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • DebtFreeDuo
    • By DebtFreeDuo 7th Oct 17, 6:10 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Not much of an update today, had a nice day out with a total spend of £10.30 which included £2 for parking. I put off going to grab bits that I need and put off getting fuel even though I'm desperate. Will do these tomorrow so the total spends I have left will drop considerably tomorrow.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Oct 17, 7:42 PM
    • 1,372 Posts
    • 3,315 Thanks
    HairyHandofDartmoor
    Don't run out of petrol The amount of times we've nearly done that because DH will only stop if the petrol is cheap enough
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • DebtFreeDuo
    • By DebtFreeDuo 7th Oct 17, 7:54 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Don't run out of petrol The amount of times we've nearly done that because DH will only stop if the petrol is cheap enough
    Originally posted by HairyHandofDartmoor
    Haha the only reason I hadn't filled up before is because I track how many miles I get from each tank (encourages me to drive better to get more miles) and I won't fill up until the estimated remaining mileage is below 50, it wasn't below that until today but I just didn't have any motivation to do anything 'adult' today.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • DebtFreeDuo
    • By DebtFreeDuo 8th Oct 17, 2:35 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Today has been very spendy but it couldn't be avoided, £55 on fuel for the car and £44.22 on food although I had a gift card that I received a few months ago and kept forgetting to use so this bought the total spend down to £39.22. This included stocking up on a couple of things that were on special offer which I buy every week. I'm hoping that I won't need to go and do a big shop now for a couple of weeks and just do a couple of top up shops. On the plus side I did win 1000 nectar points from the shop so now I have a total of £55.75 in nectar points. Total spends left until January: £343.09, going to need all the luck I can get!
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Oct 17, 2:40 PM
    • 1,372 Posts
    • 3,315 Thanks
    HairyHandofDartmoor
    How long do you expect the petrol and food to last you? Sometimes you have to do a big shop and it can come to a frightening total, but if it lasts ages then it evens out, doesn't it
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • DebtFreeDuo
    • By DebtFreeDuo 8th Oct 17, 3:06 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    How long do you expect the petrol and food to last you? Sometimes you have to do a big shop and it can come to a frightening total, but if it lasts ages then it evens out, doesn't it
    Originally posted by HairyHandofDartmoor
    I'm hoping a couple of weeks with 1 or 2 (around £15 total) top up shops for milk and fruit. I gave myself a budget of £100 for food for the month in the October challenge but now I'm not sure if I can afford to spend that much on food each month. The fuel I'm hoping will last me 5/6 weeks as I'm going to be using my car as little as possible.

    So far I have made almost £19 on PA which I'm going to cash out when its cleared so that should give my spends a boost, if I can get a good amount each month from that then it will be much more comfortable.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • DebtFreeDuo
    • By DebtFreeDuo 8th Oct 17, 7:56 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Posted this elsewhere, just thought I would also post it in my actual diary so I can find it easily to come back to.

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 1
    Number of cars owned....................

    Monthly Income Details

    Monthly income after tax................ 1398.11
    Partners monthly income after tax....... 0
    Benefits................................ 361.22
    Other income............................ 0
    Total monthly income.................... 1759.33


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 580
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 30
    Gas..................................... 20
    Oil..................................... 0
    Water rates............................. 10
    Telephone (land line)................... 0
    Mobile phone............................ 9
    TV Licence.............................. 0
    Satellite/Cable TV...................... 3.25
    Internet Services....................... 1
    Groceries etc. ......................... 200
    Clothing................................ 20
    Petrol/diesel........................... 40
    Road tax................................ 0
    Car Insurance........................... 37.5
    Car maintenance (including MOT)......... 15
    Car parking............................. 20
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 49
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 6.5
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 40
    Haircuts................................ 5
    Entertainment........................... 50
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 1136.25



    Assets

    Cash.................................... 4400
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 4000
    Other assets............................ 0
    Total Assets............................ 8400


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Loan...........................2065.32...153.8.... .4
    Car loan.......................2432.89...140.......4
    CC.............................1064......28....... .0
    Total unsecured debts..........5562.21...321.8.....-



    Monthly Budget Summary

    Total monthly income.................... 1,759.33
    Expenses (including HP & secured debts). 1,136.25
    Available for debt repayments........... 623.08
    Monthly UNsecured debt repayments....... 321.8
    Amount left after debt repayments....... 301.28


    Personal Balance Sheet Summary
    Total assets (things you own)........... 8,400
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -5,562.21
    Net Assets.............................. 2,837.79


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using Firefox browser.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • DebtFreeDuo
    • By DebtFreeDuo 9th Oct 17, 1:58 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Ok so doing my SOA and posting it elsewhere reminded me that my MOT is due is December I can't believe that this didn't register before but we live and we learn I guess and my mind has been elsewhere lately. My plan here is to get on PA as much as possible between now and 9th December and this will hopefully cover my MOT, I currently have just under £19 so as long as my car doesn't need any work then I should be OK. I'm pretty sure all my tyres will be fine and I don't have any issues with it any other time although I know this doesn't necessarily mean that it doesn't need any work. Thank god I don't pay any road tax as that is due in January.

    If I make it to January then I will be extremely proud of myself! I think I will have to rethink my debt repayments in January slightly to allow for a £500 pot for things like my car and gifts that I can top up each time I receive my student finance, I know I have my ISA if I need it for emergencys but it would have to be a life or death kind of emergency to make me touch it. I think if I switch the two loans around so pay off my loan in Jan and then the car loan in May, I will probably pay slightly more in interest this way (only a very small amount) but it will give me a buffer of around £400 that I can put away. On the plus side I'm feeling ready for anything, I feel like my positivity is back and I'm ready to achieve my goals.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • redofromstart
    • By redofromstart 9th Oct 17, 2:53 PM
    • 392 Posts
    • 2,000 Thanks
    redofromstart
    Hi DFD,

    It might be worth checking with your university to see what support they offer? I used to work in one and they did free counselling and support for students for example, which might help. keep an eye out for cycle events too - ours did security events with free and subsidised bits.

    The biggest drain for me was buying anything at all on campus on the days when I failed to plan, or forgot to take something to eat. It was all so expensive, and not even very nice - apart from the chips.
    Hope you get the locker sorted.
    • EssexHebridean
    • By EssexHebridean 9th Oct 17, 3:49 PM
    • 8,011 Posts
    • 41,402 Thanks
    EssexHebridean
    Great idea to use PA money for a car fund for the MoT Test - I wonder if you can keep up the focus on there whether you can use funds from that to pay a good chunk of your car costs over the year? It might be worth a thought - really depends on how you find the flow of studies is for you, along with how much time you have during the day to check in and find them. Bear in mind also that it does (as you'd expect) tend to go quiet over holiday times - we've all been bleating about the fact that August and September were pretty much dead on there, it's just starting to pick up again now.

    Something else I've learned over the years is that with the good earners like PA - they don't necessarily last forever (I'm thinking here of the "free money" clicks we all used to do on TCB, and the free bingo/scratchcards sites that earned a few of us a nice little sum for a while) so once you get past this really tight few months you may for safety want to make sure you budget a set sum each month/term for car expenses. It'd be a nuisance if you had to raid the ISA to cover something otherwise wouldn't it!

    One thought on the filling th car up with fuel thing - have you thought of just topping up top the half way mark if you don't do many long journeys in it? A lighter car (in theory at least) costs less to run...might gain you a few extra miles per gallon, you never know!

    Great work on the cycling to and from Uni thing too - and such a good idea to keep a track of your savings!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£544.67 (17/10/17)
    • DebtFreeDuo
    • By DebtFreeDuo 9th Oct 17, 4:11 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Hi DFD,

    It might be worth checking with your university to see what support they offer? I used to work in one and they did free counselling and support for students for example, which might help. keep an eye out for cycle events too - ours did security events with free and subsidised bits.

    The biggest drain for me was buying anything at all on campus on the days when I failed to plan, or forgot to take something to eat. It was all so expensive, and not even very nice - apart from the chips.
    Hope you get the locker sorted.
    Originally posted by redofromstart
    Thank you, I hadn't really thought about what the uni could offer, I'm not feeling great about uni at the moment, I feel like I learn more from vidoes found on the internet than I do from my leturers and I'm paying them £9k each year for the priviledg but thats a whole other story.

    I will definitely keep my eye on cycling events, I've only just started cycling so events will help keep me motivated I think which in turn will save me a good amount. I have everything crossed that I get that locker but I'm still waiting to hear anything back and its been over a week since I applied for it.

    I've only bought food on campus once since, luckily I only have one full day there, every other day I can get away without eating whilst there, I usually pack something in my bag to eat right after cycling otherwise I get light headed and this generally keeps me going until I get back home.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • 117pauline
    • By 117pauline 9th Oct 17, 4:12 PM
    • 308 Posts
    • 4,532 Thanks
    117pauline
    Re the MOT. Does your local council offer "MOT only" services from their transport department? It is a great way of getting the MOT done at cost (think the last time I used it was £18.50) and I felt it was perhaps more reliable than local garages who make money on the bits they tell you the car needs.

    I agree with EH about putting in a category for car maintenance in your SOA because it seems Prolific Academy is a little bit too good to be true and might suddenly disappear. That is apart from this afternoon when it has been playing sill BBBBBs. I quite often use it as my treat fund - the more effort I make, the more treats I get.

    Unfortunately this month it is going towards my yearly prescription prepayment card. I now have the Prepayment renewal on my google calendar so I can renew it by direct debit next year (had to do it all in one yesterday as I needed to be able to claim back £34.40 for 4 prescriptions)

    By the way, there is no doubt in my mind you will make January! Great to see you with the positivity back.

    Have a good week
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • DebtFreeDuo
    • By DebtFreeDuo 9th Oct 17, 4:19 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Great idea to use PA money for a car fund for the MoT Test - I wonder if you can keep up the focus on there whether you can use funds from that to pay a good chunk of your car costs over the year? It might be worth a thought - really depends on how you find the flow of studies is for you, along with how much time you have during the day to check in and find them. Bear in mind also that it does (as you'd expect) tend to go quiet over holiday times - we've all been bleating about the fact that August and September were pretty much dead on there, it's just starting to pick up again now.

    Something else I've learned over the years is that with the good earners like PA - they don't necessarily last forever (I'm thinking here of the "free money" clicks we all used to do on TCB, and the free bingo/scratchcards sites that earned a few of us a nice little sum for a while) so once you get past this really tight few months you may for safety want to make sure you budget a set sum each month/term for car expenses. It'd be a nuisance if you had to raid the ISA to cover something otherwise wouldn't it!

    One thought on the filling th car up with fuel thing - have you thought of just topping up top the half way mark if you don't do many long journeys in it? A lighter car (in theory at least) costs less to run...might gain you a few extra miles per gallon, you never know!

    Great work on the cycling to and from Uni thing too - and such a good idea to keep a track of your savings!
    Originally posted by EssexHebridean
    That is a great idea on using PA to fund my car pot, that way I could stick to my original plan on the debt front, I'll see how I get on over the next few months, January will be impossible with exams but then I should be able to step it up again Feb - April. I have only just joined and I'm extremely impressed with PA. Maybe I could combine the two and set aside a smaller amount and then top it up with any earnings elsewhere.

    Interesting theory on the fuel, I currently track my mileage so if I figure out how I can do this on half a tank rather than a full tank I will definitely try it, I will even know for absolute certainty whether or not it gains me any MPG. Will give it some thought before I top up in (hopefully) 6-8 weeks.

    Thank you for stopping by, you have given me some great ideas to think on.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • DebtFreeDuo
    • By DebtFreeDuo 9th Oct 17, 4:29 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Re the MOT. Does your local council offer "MOT only" services from their transport department? It is a great way of getting the MOT done at cost (think the last time I used it was £18.50) and I felt it was perhaps more reliable than local garages who make money on the bits they tell you the car needs.

    I agree with EH about putting in a category for car maintenance in your SOA because it seems Prolific Academy is a little bit too good to be true and might suddenly disappear. That is apart from this afternoon when it has been playing sill BBBBBs. I quite often use it as my treat fund - the more effort I make, the more treats I get.

    Unfortunately this month it is going towards my yearly prescription prepayment card. I now have the Prepayment renewal on my google calendar so I can renew it by direct debit next year (had to do it all in one yesterday as I needed to be able to claim back £34.40 for 4 prescriptions)

    By the way, there is no doubt in my mind you will make January! Great to see you with the positivity back.

    Have a good week
    Pauline
    Originally posted by 117pauline
    I briefly saw something a while back about local authority MOT and told myself I would look into it but then forgot about it, thank you for the reminder, I usually go for a garage recommended by someone I trust as I always worry they will try to rip me off. I will definitely do some research into this in a couple of weeks, fingers crossed I have one local and can get booked in.

    At least it has been useful and you haven't had to find that money elsewhere, so far I haven't found it too difficult to give up treats or at least reduce them significantly.

    I will definitely have a serious think on everything once January arrives so that absolutely everything is covered and I won't have any nasty surprises.

    Thank you for your response, your kind words always help me, I will make it to January!
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • DebtFreeDuo
    • By DebtFreeDuo 10th Oct 17, 5:52 PM
    • 175 Posts
    • 771 Thanks
    DebtFreeDuo
    Ok so I have roughly worked out how the costs of paying of the loans in different orders:

    Pay off loan and then car loan total = 3356.05

    Pay off car loan and then loan = 3317.44

    Therefore it would cost an extra £40 to allow myself the extra £350/400 as a pot for the car/gifts, so essentially paying 10% on that £400, I really don't think its worth it so I'm thinking I will stick to my original plan and then I can give myself the same pot but a few months later.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £76.84/£150..NSD October 4/15
    • Nicnak
    • By Nicnak 10th Oct 17, 6:38 PM
    • 136 Posts
    • 320 Thanks
    Nicnak
    Ok so I have roughly worked out how the costs of paying of the loans in different orders:

    Pay off loan and then car loan total = 3356.05

    Pay off car loan and then loan = 3317.44

    Therefore it would cost an extra £40 to allow myself the extra £350/400 as a pot for the car/gifts, so essentially paying 10% on that £400, I really don't think its worth it so I'm thinking I will stick to my original plan and then I can give myself the same pot but a few months later.
    Originally posted by DebtFreeDuo
    Sounds like a good plan x
    September 6th 2017 start Updated 24th September
    Credit Card £430 now: £0
    Tesco Loan £7500 = £7220
    Car loan £17450 = £17,099
    Total = £25,380 £24,319
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