We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Last Log In 27/4/12 - Time to take back my life!

1678911

Comments

  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Aww hugs Hun, you will get there (wth has happened to our signature?) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • Hope you're okay CAFC x
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Really I only have myself to blame in all honesty.

    We're just not doing what we need to do. I keep saying 'next month we'll get on top of it' but its always next month :)

    Maybe Im trying to run before I can walk, and then getting upset when I trip. Baby steps might be what I need.
    Wealth is not measured by currency
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Hey hun, you all pumped for 2015 :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Good god, 6 months and not a post from me....
    I've been awful, well not so much awful as just not done a darn thing!

    KOAG has kicked my behind though and so today is a fresh start.

    DS has just turned 5, and suffered a broken collarbone so things have been a bit fraught for a fortnight as we deal with that. The dog is still as crazed but I think we're reaching a point where routine is getting easier. DH is still at his job and scoring some overtime and this has turned into the ideal opportunity for me to get my head together.

    I know I shouldn't ignore the debts but right now they're getting something, not a lot, but something. The more pressing matter, however, is regaining control. I feel like I have none. We're not increasing our debts but we're also not managing our money effectively.

    Having just logged onto the main banking account after just blindly doing whatever, I've added up some numbers... £400+ in Sainsburys this month and over £150 on takeaways and eating out.
    I had a mild moment of panic and shock, had a little angry cry at myself for just being so ignorant, shook it off and decided to try again, and I will try and try again and again until we get it right.

    So I've got a current budget and a budget that I'd like us to achieve within the next 3 months....
    Do you wanna see it?
    Wealth is not measured by currency
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    I wanna see it :)

    Your gonna rock it hun, if at first you don't succeed try again :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi, glad you are back. Wow is little one 5 already, sorry to hear he broke his collarbone, sounds nasty!


    I'd like to see your budget, we need to do something we spend too much on food, kids seem to be bottomless pits and they are only 11, 9 and 7, hate to think how much they will eat when they are older.
    Sealed Pot Challenge #016
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    And so here it is....

    Now I appreciate there are a great many areas for improvement but I'd be quite happy if we could get a couple of months of spending literally just this and have money spare at the end of the month.

    Rent £650
    Council Tax 109 + 20 (O/S from last year)
    Gas 20
    Electric 25
    Water 20
    Pet Insurance 22
    Gym 45
    TV License 12
    Home Ed Activities 70
    Netflix 6
    Virgin (phone, tv, broadband) 53
    Phone C 36
    Phone J 34
    Food 280
    Petrol 75
    Dog Food 25
    Car Ins 35
    Payplan 31
    MOT and Car Tax 30 (into savings account)
    Savings pot 10
    Takeaways 30 (we cant manage cold turkey 0 just yet)

    Total : 1638

    Income 1660 monthly
    CB 82 every 4 weeks

    So in theory we should have £104 spare a month.....:rotfl:
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So here's an update on some positives.

    I've switched dog over to a cheaper food which still has what he needs (certain ingredients impact his behaviour) which is £15.74 delivered for 15 kg. Which actually lasts him closer to 7 weeks, so that will mean I can shave some extra £'s off that area of the budget.

    We have also, just today, taken on an allotment! I am so excited about it as it already has a cheery, plum and pear tree established as well as raspberries, tayberries and blackberries! I'm hoping to use it as a source of family entertainment so we can spend time together (for free (well after the allotment fee)), a home education learning opportunity for DS, and if we can grow a bit of food - AWESOME!
    Wealth is not measured by currency
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Awesome hun, thats fab news on the allotment and yay for it having established tree's in it :)

    When are your's and OH's phone contracts finished? xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.