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    • Debtnomoreplease
    • By Debtnomoreplease 30th Jan 18, 7:36 PM
    • 53Posts
    • 139Thanks
    Debtnomoreplease
    New diary
    • #1
    • 30th Jan 18, 7:36 PM
    New diary 30th Jan 18 at 7:36 PM
    Thought I'd better start a new diary as mine was deleted! I found logging my thoughts, no spend days etc really helped me.
    Here goes:
    Debt 1-OD of £2500, but will be £2000 (500) will be paid off tomorrow.
    Debt 2-CC 1 of £900
    Debt 3-CC 2 of 600
    Today, 30.1.18 my debt stands at £4,000. However, tomorrow it will be less than £3,500.
    I'm going to pay minimums on my CC need to find the bill to check what they are.
    Will add totally debt tomorrow when paid bills etc.
    Although this debt did start at just over £11,000, sadly, I have only this month found this site. I'm towards the finish line (obviously wishing I was there now) this debt has followed me around like a bad smell for years now, and it's been far from a stroll in the park!
    I'm aiming to be debt free by June at the latest. I've got a second job on top of my full time job, and I'm getting as much overtime as possible.
    Also, I have zero savings, so this is something I need to try and do too-I'm screwed if there's and emergency!
Page 1
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 30th Jan 18, 8:17 PM
    • 3,375 Posts
    • 21,344 Thanks
    HairyHandofDartmoor
    • #2
    • 30th Jan 18, 8:17 PM
    • #2
    • 30th Jan 18, 8:17 PM
    Sorry about your old diary but glad you've started a new one
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £0/Loss of Income Fund £0
    • fatrab
    • By fatrab 30th Jan 18, 8:20 PM
    • 336 Posts
    • 637 Thanks
    fatrab
    • #3
    • 30th Jan 18, 8:20 PM
    • #3
    • 30th Jan 18, 8:20 PM
    Glad to see you back, we started our journeys at the same time and I was following your original thread.

    I'm sure you'll be over the moon tomorrow
    Make a plan. Stick to the plan. If it's not in the plan - DONT DO IT!
    February's Goals - 12/18 NSD - 12/19 Lunches - 19/28 AFD - 15/28 TAFD (take away free days)
    LBM Dec 2017 - Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 8lb lost so far
    14 x £2 coins (#32)
    • beanielou
    • By beanielou 30th Jan 18, 8:45 PM
    • 50,516 Posts
    • 193,083 Thanks
    beanielou
    • #4
    • 30th Jan 18, 8:45 PM
    • #4
    • 30th Jan 18, 8:45 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • redofromstart
    • By redofromstart 30th Jan 18, 9:23 PM
    • 1,116 Posts
    • 6,779 Thanks
    redofromstart
    • #5
    • 30th Jan 18, 9:23 PM
    • #5
    • 30th Jan 18, 9:23 PM
    Sorry about the old diary, but good luck with your plans.
    • enthusiasticsaver
    • By enthusiasticsaver 30th Jan 18, 10:34 PM
    • 5,675 Posts
    • 11,213 Thanks
    enthusiasticsaver
    • #6
    • 30th Jan 18, 10:34 PM
    • #6
    • 30th Jan 18, 10:34 PM
    Glad you have started a new diary and your plans sound good. Home straight now hopefully.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Debtnomoreplease
    • By Debtnomoreplease 31st Jan 18, 7:38 PM
    • 53 Posts
    • 139 Thanks
    Debtnomoreplease
    • #7
    • 31st Jan 18, 7:38 PM
    • #7
    • 31st Jan 18, 7:38 PM
    Last day of January 2018, and my debt stands at £3,400. Over the past few years I've paid off over £8,000 and probably going on nearly double that with interest, charges over the years.
    Debt today:
    OD-£2000 (will try and save some more towards the end of the month and pay more off)
    CC1-850
    CC2-550.
    Ive put £200 into savers, as in having trouble with my teeth at the moment, and worried it'll be an expensive trip to the dentist some time soon-with no savings would be a disaster!
    I just can't wait for the final payment of all debt!!

    February- spend as little as possible with a minimum of 15 NSD.

    A few birthday coming up, so thinking I might use the Xmas gifts I got in the sale as birthday gifts as by Xmas I'll be in a much better position. Luckily, we don't go overboard with gifts, so just a little birthday token will be fine.

    Feet up, candles lit and book ready-time to drift off into my book and dream the adventure.
    • fatrab
    • By fatrab 1st Feb 18, 7:41 AM
    • 336 Posts
    • 637 Thanks
    fatrab
    • #8
    • 1st Feb 18, 7:41 AM
    • #8
    • 1st Feb 18, 7:41 AM
    Well done
    Make a plan. Stick to the plan. If it's not in the plan - DONT DO IT!
    February's Goals - 12/18 NSD - 12/19 Lunches - 19/28 AFD - 15/28 TAFD (take away free days)
    LBM Dec 2017 - Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 8lb lost so far
    14 x £2 coins (#32)
    • JoJoC
    • By JoJoC 3rd Feb 18, 10:05 AM
    • 1,507 Posts
    • 5,240 Thanks
    JoJoC
    • #9
    • 3rd Feb 18, 10:05 AM
    • #9
    • 3rd Feb 18, 10:05 AM
    Hi, just wanted to stop by to say hello.

    Looks like you've made great inroads in the debt and you're on the home straight now with less than 4k to pay off!

    I think the emergency fund is a good idea - as you say, you'd be up the creek in any type of emergency so having some money aside would really put your mind at ease.
    CC1: £3804.52 / £3544.32 £300.20 paid | CC2:£5027.53 / £4781 £295 paid | Loan: £15,000 / £11,954 (£3,156 paid)

    July debt total: £23,832.05 | New debt total: £20,129 | Total debt paid: £3,703 (16%)
    *My debt busting and savings diary*
    • Debtnomoreplease
    • By Debtnomoreplease 3rd Feb 18, 10:25 AM
    • 53 Posts
    • 139 Thanks
    Debtnomoreplease
    Thanks for checking in JoJoc-much appreciated.
    Yes, I agree, trying to focus on an emergency saving account as if something did happen I'll be screwed!

    Spent the morning (with a coffee-£1 a jar from the poundshop) how my £4+ coffees a day have well and truly gone, but in all honesty I don't miss them. Now the thought of spending so much on a coffee actually makes my stomach X turn! I question everything I buy (something I clearly never did!) I've really cut back on food spends, gifts.
    This morning I've looked back through statements (again) and I'm mortified at how many payday loans I had at once-how ridiculous!!! I was being paid to pay the loans off to 5mins later take another loan out! No wonder I could never sleep, well it's done and I'm far from proud of myself past self and the ridiculous choices to take money out and could barely afford to pay back. However, I'm proud I no longer have these payday loan companies on my back and NEVER EVER again will I have them on my back. I never got to the missing a payment point, but was VERY close!! My motto now is, if the money isn't in the bank then you can't afford it, therefore you can't have it and I'm 100% ok with that now.
    I've learnt the hard way, but what I have learnt from being in debt is invaluable.
    1) If friends can be there for you at you weakest/worst financial times, then they are infact true friends. Sadly, I lost a few friends along the way as they were fed up of me not being able to afford to go out-had the silly payday loans to pay off! But when I looked back, I always said I couldn't afford, but you're welcome to come round for drinks-it was never taken up, they prefered to go out. But they weren't true friends, just social friends so I'm not too sad about that now.
    2) The amount of crap I've bought over the years was never going to make me happy, but seriously unhappy as I couldn't afford it-simple. Material things don't and won't ever make me happy-lets face it I can't take it with me when I'm gone!
    3) Time is by far the most expensive gift you can truly ever give anyone-something you can not ever get back. I spent the other weekend with my mother, I pampered her (sadly, by at a Spa) but made my own version: wine, foot massage, neck massage, painted nails and toe nails, chick flick and most importantly conversations about life- just talked and talked and she told me it was the best weekend she'd had for a very long time. Because I was there, not just in body, but in mind-something most people will probably understand who are/have been in debt, you can't 100% focus when in debt-it's always there in the back of your head. It was for me the best weekend in a very long time too. That weekend cost £4.99-for the wine. Everything else we already had. It reminded me how lucky I am, to have parents and I should appreciated them more and I will appreciate them more, but it doesn't have to cost a lot to do so.
    4) I was never happy before, I thought is was because I was out with 'friends' all the time 'living the life' but that wasn't happiness. Happiness to me now is: HEALTH (something I have and always will struggle with)
    FAMILY:/FRIENDS-what would life be without them?!
    SLEEP( I always appreciate a good sleep now!)
    FINICIAL SECRUITY (I will get there-eventually!) all these things are my happiness.

    Don't know where all this has come from this Saturday morning, but feels good to get it down and good to have somewhere to come back to and reflect.

    Happy Saturday folks
    • fatrab
    • By fatrab 3rd Feb 18, 12:07 PM
    • 336 Posts
    • 637 Thanks
    fatrab
    ^^ brilliant!


    I will be so happy for you the day you clear your feet. I remember your first few posts in your original diary and I wish you could go back and read them again. You are in a totally different frame of mind now and sound so positive.


    A few months from now you will look back and all this will seem like a distant memory.


    Amazing! Keep it up
    Make a plan. Stick to the plan. If it's not in the plan - DONT DO IT!
    February's Goals - 12/18 NSD - 12/19 Lunches - 19/28 AFD - 15/28 TAFD (take away free days)
    LBM Dec 2017 - Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 8lb lost so far
    14 x £2 coins (#32)
    • DancingUnicorn
    • By DancingUnicorn 3rd Feb 18, 2:17 PM
    • 148 Posts
    • 551 Thanks
    DancingUnicorn
    Hi, sounds like you've been doing a fantastic job with your debt busting! You mentioned being in the payday loan cycle (I was too!). Have you ever considered claiming for some of the charges back? My case is ongoing but I'm looking at a minimum £600 back for irresponsible lending.
    Worth a try as it might just pay off that last bit of your debt!
    LBM: October 2016: £20,130 / Current: January 2018: £17,320 13.9%
    DFD: February 2024
    SPC#577 (2017: £60.58)
    • enthusiasticsaver
    • By enthusiasticsaver 3rd Feb 18, 2:48 PM
    • 5,675 Posts
    • 11,213 Thanks
    enthusiasticsaver
    I love your post this morning. So true as well.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Debtnomoreplease
    • By Debtnomoreplease 4th Feb 18, 7:46 PM
    • 53 Posts
    • 139 Thanks
    Debtnomoreplease
    Thanks Fatrab, yes I had some awful days on my other diary-gutted it's gone! But onwards and upwards. Thank you for your continued support-much appreciated.

    Hi DancingUnicorn, it was an awful, awful time mentally and physically for me. I have read a few stories where people have claimed money back etc. I was in an awful cycle, which I could ill afford-most of the time more than my actual wage or not far off! But I've dealt with all that side of things now, and just having paid it all back is enough of a relief to me. I don't want to battle through trying to claim money back, as it was my choice to borrow the money and spend it irresponsibly-I'd rather forget that time of my life than drag it all back up again etc.
    However, I truly wish you luck with your claim-really hope you get the result you want. :-)

    Enthusiastic saver, thank you! And thank you for keep checking in-really appreciated.

    Sunday, a NSD. Not done much today, just house jobs and getting ready for the week ahead really. Nothing much to report. Hoping to bag some more overtime this week-I'll be first to speak to the boss in the morning :-)
    Positive thought of the day-I've not gained anymore debt today, haven't paid any off today, but not gained any! I will keep telling myself this daily, as seems to encourage me a little. Things are far from perfect, but my they could be a heck of a lot worse!
    Early night planned with a good book, ready for the week ahead. Happy Sunday peeps
    • Debtnomoreplease
    • By Debtnomoreplease 5th Feb 18, 8:11 PM
    • 53 Posts
    • 139 Thanks
    Debtnomoreplease
    Not much to report today. Work done, feet up and relaxing. Early night in the cards. Abit of over time towards the end of the week-not as much as I wanted, but better than nothing .
    • beanielou
    • By beanielou 5th Feb 18, 8:26 PM
    • 50,516 Posts
    • 193,083 Thanks
    beanielou
    You are doing just great
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Lilith1980
    • By Lilith1980 5th Feb 18, 9:10 PM
    • 1,604 Posts
    • 4,175 Thanks
    Lilith1980
    Good luck with clearing your debt!

    How do you find the time to work full-time and have a second job? My one job wipes me out as it is! That day with your mum sounds lovely
    My debt-free diary
    • fatrab
    • By fatrab 6th Feb 18, 11:53 AM
    • 336 Posts
    • 637 Thanks
    fatrab
    Abit of over time towards the end of the week-not as much as I wanted, but better than nothing .
    Originally posted by Debtnomoreplease

    Every little helps as they say (whoever "they" are)!

    I'm waiting to find out if the company I work for has landed a large project and if so I should be in for a good bit of overtime during the summer. Not had a single bit of overtime for over a year now but you learn to live without it. I was regularly getting loads of overtime and I think that's partly where my overspending habit came from. Wish I had it now to help clear the debts!
    Make a plan. Stick to the plan. If it's not in the plan - DONT DO IT!
    February's Goals - 12/18 NSD - 12/19 Lunches - 19/28 AFD - 15/28 TAFD (take away free days)
    LBM Dec 2017 - Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 8lb lost so far
    14 x £2 coins (#32)
    • Debtnomoreplease
    • By Debtnomoreplease 9th Feb 18, 8:07 AM
    • 53 Posts
    • 139 Thanks
    Debtnomoreplease
    Last day of the week-thank goodness!! Got my overtime in this week-shattered, but will be worth it!
    Small shop to do tonight, but bare minimum will be spent. Happy Friday
    • fatrab
    • By fatrab 9th Feb 18, 8:29 AM
    • 336 Posts
    • 637 Thanks
    fatrab
    Your old diary has been restored, you can get them merged if you let one of the site moderators know
    Make a plan. Stick to the plan. If it's not in the plan - DONT DO IT!
    February's Goals - 12/18 NSD - 12/19 Lunches - 19/28 AFD - 15/28 TAFD (take away free days)
    LBM Dec 2017 - Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 8lb lost so far
    14 x £2 coins (#32)
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