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I can do this!

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • MrsTinksMrsTinks Forumite
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    Well apart from the bank flagging my cardd for fraud - despite being told I was in Orlando!:mad:

    So had a LONG call with them on the mobile which I am hoping they will refund me for. Then they initially wouldn't unblock my card, eventually did, still can't use it so now cardless till new one arrives... Meaning everything has to go on the credit card (which is in fairness why I have them...) just means I need to not over pay too much until I'm sure everything on the credit card is on my statement so I can pay it all off :)

    Am joining the Sealed Pot Challenge for next year :) just need to pick a pot!!
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • EssexHebrideanEssexHebridean Forumite
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    MrsTinks wrote: »
    Well apart from the bank flagging my cardd for fraud - despite being told I was in Orlando!:mad:

    So had a LONG call with them on the mobile which I am hoping they will refund me for. Then they initially wouldn't unblock my card, eventually did, still can't use it so now cardless till new one arrives... Meaning everything has to go on the credit card (which is in fairness why I have them...) just means I need to not over pay too much until I'm sure everything on the credit card is on my statement so I can pay it all off :)

    Am joining the Sealed Pot Challenge for next year :) just need to pick a pot!!

    I still do the old "Virtual Sealed pot" thing - was part of the challenge for a few years on here and have stuck with it on my own. So far this year we've got somewhere about £275 I think, which will pay the car hire for our Hebrides Christmas trip. :T
    MORTGAGE FREE 30/09/2016 :D
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  • MrsTinksMrsTinks Forumite
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    I like the idea of a real pot - virtual ones are too easy to spend from ;) guess for others it's the other way round LOL
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • MrsTinksMrsTinks Forumite
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    So waiting for my debit card... *tapping foot* - yeah I suck at waiting! I have stuff I want to over pay! Don't they know this??? I can't use paypal as it's linked to my bank account, I can't overpay my debts online as... I do it by card... and I have £10 in my purse LMAO - Lidl don't allow credit cards as far as I know (I could be wrong?) so I definitely need to do a cupboard stock take tonight - as good a time as any!

    Should have had a meat delivery yesterday from the MSE blagged offer - however the muppets use Yodel who failed to deliver it but will deliver it today... great - that meat better still be cold! Otherwise you can bloody come pick it back up! Eurgh!
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • EssexHebrideanEssexHebridean Forumite
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    MrsTinks wrote: »
    I like the idea of a real pot - virtual ones are too easy to spend from ;) guess for others it's the other way round LOL

    Either way works for me - I have assorted pigs for small change, £2 coins etc too, and like the VSP, "what goes in, doesn't come out" until the end of the year (VSP is 1st December, Pigs are end of February). Like you say, different strokes for different folks, though.
    MORTGAGE FREE 30/09/2016 :D
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  • MrsTinksMrsTinks Forumite
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    Cannot motivate myself this week at all which is annoying... yeah I still have jetlag but I also have a load of stuff to do both work and life - curses!

    Oh well - I'm hoping that new card will arrive tonight - I hate having to use credit card to pay for stuff - I know I will just make a transfer when the card arrives but it's the principle! :)

    Also should have had the meat box that MSE blagged codes for but amazingly Yodel screwed up delivery twice... so the poor company now has to send me another one and try and get a refund from Yodels incompetence. Best of luck! :eek:

    Today I had lunch from the site canteen - it's definitely encouraged me to start looking at meals from home - it's got exceedingly dire in my absence! Eurgh! Oh well - should save me more pennies too! hahaha

    DD had parent teacher conference last night which husbeast attended - apparently she's way ahead, despite missing a week LOL Her head master popped in too and said he had no issues with us having taken her out (again) for a holiday as her attendances are still over 95% he really isn't worried - infact he thought it was healthy for her to see as much as we made sure she did. Interestingly she told them about how some people even in america are very very poor. We saw our share of homeless and beggars and I'm proud that she took on board that we live a very nice life that not many do and shared that with her school when she got back. Thankfully her school also recognize the importance of family time away which I'm grateful for. She had her first school swimming lesson yesterday - was immediately moved up a group (she's had lessons for about 2 years lol) and they will assess her there and see if she needs to move up again next week lol

    So a proud mummybear all round :)
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • MrsTinksMrsTinks Forumite
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    This weekend was mainly dedicated to being totally naughty... ooops!

    Got a new piece of my tattoo done - yeah not in any way necessary, but oops... :o

    Tonight I did my car insurance - renewal over 12 months would have been £522.92 and having upgraded the cover significantly to options I need (I work kind of in the industry and a few friends have had accidents recently so from experience I know there are a few bits I really need and I got breakdown cover included and a lower excess)

    New cost £419 and if all tracks there will be a £50 quidco cashback - oh and I get cashback on the card I used too LOL
    So yeah it sucks that it costs that much, but hey we gotta have it and I'm rid of the worlds worst insurance company ever! (Was Green Insurance now trading as KwikFit Insurance Services - avoid!)

    Off to bed as knackered - going to be shuffling money around tomorrow to pay off as much as possible on the card I've just loaded (grrrrr) - oh and MOT due soon too... !!!!!! :rotfl:
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • MrsTinksMrsTinks Forumite
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    Quidco has tracked - it will be MONTHS before they pay out but it's £50 when they eventually (hopefully) do! LOL

    Need to bite the bullet and do a couple of cold Saturdays or Sundays to make myself feel better about my little splurge on myself :rotfl: - i need to suffer for my treat! Cold days outdoors seems a fair ish way of torturing myself... (although arguably a cover up tattoo is not painless really so not like it was a FUN treat as such...)

    Should totally be slaving away today - guess i better get to it.
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • edited 8 November 2016 at 1:25PM
    MrsTinksMrsTinks Forumite
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    edited 8 November 2016 at 1:25PM
    Updated the SOA - there are a few things removed because I had to totally clear my browser the other day so had to reload everything in there - bah humbug! And I decided to remove my assets from this SOA as they're really for my reference more than anything...

    The Debenhams account will also go up a little more - but the exact amount I will know end of the month after I've paid a chunk off it it following the period where I couldn't pay due to bank locking everything down after suspected fraud... *sigh*

    Shall update that end of the month when I've cleared some.

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 1
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 2388.79
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 2388.79


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 311
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 0
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 76.09
    TV Licence.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services....................... 0
    Groceries etc. ......................... 200
    Clothing................................ 30
    Petrol/diesel........................... 200
    Road tax................................ 11.37
    Car Insurance........................... 34.91
    Car maintenance (including MOT)......... 20
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 300
    Other child related expenses............ 168
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 55.52
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 30
    Other insurance......................... 50
    Presents (birthday, christmas etc)...... 25
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 1511.89



    Assets

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



    Secured & HP Debts

    Description....................Debt......Monthly...APR
    Mortgage...................... 0........(0)........0
    Hire Purchase (HP) debt ...... 10080....(311)......4
    Total secured & HP debts...... 10080.....-.........-


    Unsecured Debts
    Description....................Debt......Monthly...APR
    Picture........................1880......111.......0
    MBNA...........................7713......80........0
    Debenhams......................600.......0.........0
    Total unsecured debts..........10193.....191.......-



    Monthly Budget Summary

    Total monthly income.................... 2,388.79
    Expenses (including HP & secured debts). 1,511.89
    Available for debt repayments........... 876.9
    Monthly UNsecured debt repayments....... 191
    Amount left after debt repayments....... 685.9


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -10,080
    Total Unsecured debt.................... -10,193
    Net Assets.............................. -20,273


    Created using the SOA calculator at https://www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • edited 8 November 2016 at 1:27PM
    MrsTinksMrsTinks Forumite
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    edited 8 November 2016 at 1:27PM
    Because I've upped the Debenhams debt it looks like my debt is going up - I'm pretty sure it isn't but I can't get the accurate number till the end of the month so I know if I can clear it completely or not this month so I shall just have to sit tight - much though that pains me LOL
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
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