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A Ditherer's Diary (again)

edited 23 September at 12:00PM in Debt Free Diaries
590 replies 41.4K views
NaomimNaomim Forumite
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Part of the Furniture 1,000 Posts Photogenic Name Dropper
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edited 23 September at 12:00PM in Debt Free Diaries
I'm baaaack.

When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7.

Having had a quick read through, a lot of it was me coming and going with a few months/years in between.

I recently came back to MSE and went straight onto the Debt Free Wannabe board. I posted an SOA . The debts are dire.

We've recently had an extension and a lot of work done to the house. It was awful, we've had to sack the builder and he owe us a lot of money. The roof is leaking, the house needs re-wiring. The dog is poorly and needs a £4k operation... .

I know this is all going to take a very long time to sort out. Little by little, step by step I can hopefully creep us out of the overdraft, melt the credit card debts and maybe even have some spare money one day!

My plans for the following week are:

Find the new credit card I got for 0% interest balance transfer - activate it and set-up direct debit
Use the snowball calculator again to see how this has changed.
Get car insurance quotes
Make packed lunches every day
DO NOT buy coffee out.


I've joined the £2 savers club. I was a member a few years ago and have always saved them. It physically hurts to spend one.

I hope you'll come and help me along the long and winding path.

Naomi x
Credit Cards
NOV 2019 £33,220.42
NOV 2020 £28,307.1614.79% cleared
Overdraft
NOV 2019 £4581.92
JULY 2020 £941.71 79.44% cleared
Grocery Challenge Gone to pot!!
Here's my diary: A Ditherer's Diary Again
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Replies

  • BobarellaBobarella Forumite
    10.8K posts
    Savvy Shopper! I've been Money Tipped!
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    Gosh I'm really sorry to hear things are so stressful. It sounds like lots of things going on.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • NaomimNaomim Forumite
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    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    It is and I've certainly shed more than a few tears this past few months. BUT I know I need to be positive.

    As long as I keep my eye on the ball and keep my head up it'll start shifting.

    It's a bit like dieting. Keep a diary and it's easier to stay focused.
    Credit Cards
    NOV 2019 £33,220.42
    NOV 2020 £28,307.1614.79% cleared
    Overdraft
    NOV 2019 £4581.92
    JULY 2020 £941.71 79.44% cleared
    Grocery Challenge Gone to pot!!
    Here's my diary: A Ditherer's Diary Again
  • Good luck. Your builder sounds horrendous! Hope your doggy is on the mend soon x
    1 debt vs 100 days -
    Debtfree by Xmas
    NST - 1/18 NSDs £54/£250 food 0/£60spends
    Debts - CC1-[STRIKE]£4438.89[/STRIKE] £4329.82 CC2-[STRIKE]4560.38[/STRIKE] £3672.52 CC3-[STRIKE]£10,326[/STRIKE]£10,155.85 CC4 - [STRIKE]£3286[/STRIKE]
  • EssexHebrideanEssexHebridean Forumite
    10.4K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Welcome (back) to diaryland!

    That's a good set of aims to start off with. Especially the coffee one! Have you run the figures on that through Martin's disincentivisor tool on the main site? Or would that be too scary!

    Good luck with getting things sorted - you know what needs to be done so that's a head start at least.
    MORTGAGE FREE 30/09/2016 :D
    SOA CALCULATOR (for DFW newbies): SOA Calculator
  • NaomimNaomim Forumite
    1.7K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    Hello Monday!

    Today I'm working from home. I've been having some pains in my hands so I have the Doctors. By the time I get to work and back it's almost not worth me being there. Luckily I can log on from home and do some work.

    Today I have activated the new credit card and set up the direct debit for the minimum payment. I've also searched around for car insurance quotes. My renewal quote was £328 yet all the comparison sites seem to be around the £205 mark... a huge difference. Tesco Bank seem to come out on top for all the comparison sites. Just need to check Quidco to see if I can get some cashback.

    I just remembered I got £20 Amazon gift card when I applied for the new 0% interest credit card. I must get that added to my account.

    I've eaten home made sandwiches and making pasta bake with left overs tonight. :j

    Hope you all had a good weekend.

    Naomi x
    Credit Cards
    NOV 2019 £33,220.42
    NOV 2020 £28,307.1614.79% cleared
    Overdraft
    NOV 2019 £4581.92
    JULY 2020 £941.71 79.44% cleared
    Grocery Challenge Gone to pot!!
    Here's my diary: A Ditherer's Diary Again
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • NaomimNaomim Forumite
    1.7K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    Naomim wrote: »
    I'm baaaack.
    My plans for the following week are:

    Find the new credit card I got for 0% interest balance transfer - activate it and set-up direct debit
    Use the snowball calculator again to see how this has changed.
    Get car insurance quotes
    Make packed lunches every day
    DO NOT buy coffee out.

    So far I have:
    Activated the new credit card which I'd transferred £3k debt onto and set up the direct debit.
    Got car insurance quotes. A big savings of over £100 can be had here!
    Made packed lunch Monday & Tues
    NOT bought coffee out.

    I have however had to buy both the kids new school shirts. 7yo has grown out of hers and 11yo are covered in pen splat's, paint, permanent marker (and gone grey where MiL was doing the washing :()

    I feel on track so far.

    This Friday we have a meeting with our mortgage advisor as we need to borrow more to finish the work the dodgy builder has left us with. The house re-wiring has started so everything is covered in dust .

    On Friday DH and I are also having a night away. It's my Aunt's 90th birthday party and we're off there and staying overnight in a Premier Inn. I can't wait.

    N x
    Credit Cards
    NOV 2019 £33,220.42
    NOV 2020 £28,307.1614.79% cleared
    Overdraft
    NOV 2019 £4581.92
    JULY 2020 £941.71 79.44% cleared
    Grocery Challenge Gone to pot!!
    Here's my diary: A Ditherer's Diary Again
  • EssexHebrideanEssexHebridean Forumite
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    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Remember before going through the cashback site for the insurance you need to either delete cookies or even better use a difference computer. Otherwise there's a good chance that the cashback won't track as it'll detect you've been through a comparison site first.

    well done for making lunch and not buying coffee!
    MORTGAGE FREE 30/09/2016 :D
    SOA CALCULATOR (for DFW newbies): SOA Calculator
  • NaomimNaomim Forumite
    1.7K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    Ooh yes I forgot about that. I do all of this stuff at work in my lunch hour so will check how to clear cookies. Will that mean I lose passwords?
    Credit Cards
    NOV 2019 £33,220.42
    NOV 2020 £28,307.1614.79% cleared
    Overdraft
    NOV 2019 £4581.92
    JULY 2020 £941.71 79.44% cleared
    Grocery Challenge Gone to pot!!
    Here's my diary: A Ditherer's Diary Again
  • NaomimNaomim Forumite
    1.7K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ✭✭✭
    Another no coffee day! This may seem as trivial to some of you, but as I leap of the train every morning I'm met by a number of coffee shops. I'm usually hungry as I've not had time before leaving the house to have something so the milky coffee would sustain me until I reached the office. Coffee shop coffee however, is an expensive business. 3 days an £6.75 not spent!

    I have managed to bring lunch in today again. I've brought in a tin of soup and spent 35p on a roll for dipping.

    Payday on Friday. choo choo!
    Credit Cards
    NOV 2019 £33,220.42
    NOV 2020 £28,307.1614.79% cleared
    Overdraft
    NOV 2019 £4581.92
    JULY 2020 £941.71 79.44% cleared
    Grocery Challenge Gone to pot!!
    Here's my diary: A Ditherer's Diary Again
  • Scott_Weiland_2Scott_Weiland_2 Forumite
    799 posts
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    Haha find the cheapest off all the number of coffee shops and treat yourself once in a while

    being frugal is about being sensible not cutting everything, i use a small coffee shop an independant one not a costa or starbucks as they charge £2.25 for a small cafe mocha

    that and they pay there taxes lol
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
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