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  • FIRST POST
    • Purplebonnie
    • By Purplebonnie 29th Sep 17, 8:06 AM
    • 89Posts
    • 562Thanks
    Purplebonnie
    I Just Want To Retire Debt Free
    • #1
    • 29th Sep 17, 8:06 AM
    I Just Want To Retire Debt Free 29th Sep 17 at 8:06 AM
    Four years ago I already had a fair few debts, but had a well paid job so it wasn't such an issue. Stress and bad management caused me to give up the job and I have spent the last four years in part time jobs, robbing Peter to pay Paul and adding to my debts, a situation which was basically unsustainable. I loved working part time and all I really want to do is retire, but that is impossible with all my debts.
    Last month I was offered a fabulous new job on a great salary, which I have taken with the sole intention of paying off all my debts as quickly as possible. At the beginning of the month I collected together all the debts on a snowball app and came up with a total figure of £37,188.89 and a DFD of 01/05/22. I came up with a basic budget including food, petrol, presents etc. I have a 100 square grid and with each square representing £37.19 (0.1% of my total debt) which I will colour in every time I pay an extra 0.1% of my debts. A full grid is 10% of my total debts. Today was my first 'proper' pay day I have paid rounded up minimum payments to everyone. I have also paid an extra 0.1% total debt to the first credit card that I am going to concentrate on (the most expensive). To my amazement I have paid off over £1000 and my DFD dropped by a month. That felt sooooo good!
    Well, that is my introduction and background. Now I am going to revisit my budget, look at where I can cut back or reduce outgoings and get ready for a frugal time ahead. I CAN do this!

    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73
    Last edited by Purplebonnie; 02-10-2017 at 10:23 AM. Reason: Include signature
Page 4
    • Sun Addict
    • By Sun Addict 9th Oct 17, 7:39 AM
    • 4,443 Posts
    • 24,805 Thanks
    Sun Addict
    Your allotment produce sounds fabulous And the lovely things you make with it. If you haven't already tried it, pearl barley makes a lovely risotto and cheaper than rice.
    Virtual Sealed Pot £671.22
    October NSD 6/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Purplebonnie
    • By Purplebonnie 9th Oct 17, 8:10 AM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    Hi SunAddict, I love Pearl Barley Risotto so much more substance than rice. I like my food (hence the need to lose weight!) so healthy food that really fills me up is my aim when I cook. Have a great day x
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Purplebonnie
    • By Purplebonnie 11th Oct 17, 5:47 AM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    Yesterday got completely messed up with my young granddaughter ending up in hospital with croup and me looking after her older sister. Unfortunately I didn’t have time to post or read any of your diaries, but will have a look later when I have caught up on some sleep. I did end up spending £6.80 on drinks and cake in Morrisons for DIL, me and the girls, but it was in a good cause.

    Today I have done a ‘big shop’ but I stuck to my list again, so quite pleased with myself.

    I have now used up all the old veg in the fridge, zero waste so far this month. Today lunch was a WW wrap with lettuce and lentil curry and dinner tonight was a roasted pepper sauce with pasta. It was the first time I had cooked a roasted red pepper sauce and, even if I say so myself, it was amazing.
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • enthusiasticsaver
    • By enthusiasticsaver 11th Oct 17, 6:35 AM
    • 4,433 Posts
    • 8,245 Thanks
    enthusiasticsaver
    There is a nasty cough virus doing the rounds at the moment which can lead to croup. My little granddaughter has it too and was coughing so hard on Sunday night she was sick. I think she caught it at nursery but makes you feel so sorry for them when they are little.

    Well done on zero food waste.
    Countdown to early retirement on 21.12.17 2 months to go.
    • Purplebonnie
    • By Purplebonnie 11th Oct 17, 7:10 AM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    Morning Enthusiasticsaver - It's hard when they are so little to see them suffer and not be able to tell you. I hope your gradndauger is on the mend now.
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Oct 17, 8:34 AM
    • 1,444 Posts
    • 3,896 Thanks
    HairyHandofDartmoor
    Your allotment sounds very moneysaving for organic veg Bonnie. Do you plant all your veg from seeds? I find from the supermarket that it's cheapest to buy frozen veg.

    It's a good idea to watch out for the coffee and cakes when out. Not very money saving and as you say bad for the waistline. I love Costa coffee so I allow myself one a week as a treat, but I never eat there. One look at the prices and I lose my appetite

    Buying presents in sales or charity shops and stockpiling until needed can be very money saving if you need to give a lot of gifts.

    You seem very focused at the moment
    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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Oct 17, 8:36 AM
    • 1,444 Posts
    • 3,896 Thanks
    HairyHandofDartmoor
    I hope your little GDD is better now, how worrying for you
    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
    • Purplebonnie
    • By Purplebonnie 11th Oct 17, 8:55 AM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    Hi Hairy, I do grow from seeds unless I have an epic crop fail and then I will buy plug plants. Mind you, 12 cabbage plants for £1.99 is still a money saver.

    Thanks for the tips about Christmas presents, the more grandchildren the more expensive Christmas gets
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Purplebonnie
    • By Purplebonnie 11th Oct 17, 8:56 AM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    Hi again Hairy, thanks, she has just eaten some breakfast which is the first thing she has had for a few days, so looking good
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Seasidegal58
    • By Seasidegal58 11th Oct 17, 5:48 PM
    • 920 Posts
    • 4,812 Thanks
    Seasidegal58
    So pleased to hear your DGD is on the mend.

    Our local Factory Shop is very cheap for children's gifts - sticker books and the like - I'm going to start to look out in there now Xmas is approaching.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Purplebonnie
    • By Purplebonnie 11th Oct 17, 6:49 PM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    I used up the lentil curry in a wrap with raw spinach for breakfast. My husband thinks I’m mad, but I like curry for breakfast and I am certainly not letting it go to waste!

    Khichri for dinner, which is basically Kedgeree without the fish and with split peas instead, but very tasty. I served it with crispy, garlic mushrooms.

    You must have guessed by now how much I like my food and cooking! Cutting down my food bill is an absolute must, I was spending a fortune and also wasting quite a lot of food. I have challenged myself to actually use what I have in the stores and freezer. Another weakness of mine is buying cookery books; I read them like novels and I have soooo many. So another challenge is not to buy anymore and start using the ones that I have. I am going to pick one a week and meal plan at least two meals from it, using ingredients that I already have. There are two new recipe books that I really, really want, but I have put them on my Amazon wish list and will direct the kids there for my upcoming birthday/Christmas. Hopefully they will get them for me, but I will have to sit on my hands so as not to order them for myself first.

    I was given a butternut squash today so now I have to think of something tasty to do with it. We have also been sorting out stuff for a table at a local boot fair on Saturday, I hope the weather is going to be kind to us.

    I spent another £18.11 at the farm shop today, so I think I am just about done on food shopping for the rest of the month apart from bread and soy milk.
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Purplebonnie
    • By Purplebonnie 11th Oct 17, 7:26 PM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    Hi Seasidegal Good idea, we have a factory shop near by, I will go and check it out too x
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Oct 17, 8:57 PM
    • 1,444 Posts
    • 3,896 Thanks
    HairyHandofDartmoor
    My DH likes curry for breakfast too
    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
    • -taff
    • By -taff 11th Oct 17, 11:19 PM
    • 7,446 Posts
    • 4,895 Thanks
    -taff
    A whole continent can't be wrong so you're in good company
    • Cumbria lass
    • By Cumbria lass 12th Oct 17, 6:23 AM
    • 624 Posts
    • 2,385 Thanks
    Cumbria lass
    Grandchildren are a big joy , everyone tells you but till you get your own you don't realise. Croup can be very worrying , DGS had it when he was younger , hope she is getting better now. Love all your talk of food , very jealous of your allotment.
    Oct 2017 CC1 £3439CC 2 £927

    Debt Free Nov 2019: earlier if I have my way
    • Sun Addict
    • By Sun Addict 13th Oct 17, 9:53 PM
    • 4,443 Posts
    • 24,805 Thanks
    Sun Addict
    Glad DGD is on the mend. I often feel that once you've stopped worrying about your own kids, you then have the grandkids to worry about. Mine are always down with something.

    I love butternut squash and buy two a week. You need to roast it to make the most of the flavour then it's fab in risotto, soup or curry. BNS, red pepper and red onion roasted together are one of my staples. Enjoy xx
    Virtual Sealed Pot £671.22
    October NSD 6/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Purplebonnie
    • By Purplebonnie 14th Oct 17, 7:15 AM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    Morning everyone, a quick check in as I have been very busy with work deadlines and grandchildren.
    I had another NSD on Thursday, so very pleased with that. Yesterday the dog had to go to the vet and that was £78 in cold blood! He is also booked in for an operation next week which will mostly be covered by insurance but there is still the excess of £100 to find. I use Pet Plan Insurance, which I know is expensive, but the dog is 10 years old and has an ongoing medical condition that means at least one operation a year. They have always paid up without any quibbles and no other insurance company would cover him now.
    Unexpected costs like this just proves the necessity of having an emergency fund. I am going to make plans to build up my emergency fund faster so that I don't have to rely on credit cards.
    I have the two youngest grandchildren for the weekend, so if you don't hear from me by Monday please send help!
    Have a good weekend everyone
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Cumbria lass
    • By Cumbria lass 14th Oct 17, 8:32 AM
    • 624 Posts
    • 2,385 Thanks
    Cumbria lass
    My daughters dog recently cost a £1000 in vet fees , luckily Pet Plan paid up with no problem . He is now back to his former self !

    Have a lovely weekend with your grandchildren, my day was yesterday and I am shattered today?
    Oct 2017 CC1 £3439CC 2 £927

    Debt Free Nov 2019: earlier if I have my way
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Oct 17, 4:30 PM
    • 1,444 Posts
    • 3,896 Thanks
    HairyHandofDartmoor
    Yesterday the
    I have the two youngest grandchildren for the weekend, so if you don't hear from me by Monday please send help!
    Originally posted by Purplebonnie
    noted

    to the vet bills, but when you love your pet it has to be done
    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
    • Sun Addict
    • By Sun Addict 14th Oct 17, 4:42 PM
    • 4,443 Posts
    • 24,805 Thanks
    Sun Addict
    Another shattered grandmother here and it was only a couple of hours
    Virtual Sealed Pot £671.22
    October NSD 6/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
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