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6 years.....

Penguin8410
Posts: 96 Forumite


....so my last private message says i've been here for 6 years. 6 years and i'm still in debt!
seriously when will i learn my lesson????.....it has to be this time.
this time last year i was out of debt and now i'm £14k in debt again. various reasons but nothing significant to show from it.
i guess i'm just always trying to keep up with the jones's which i totally realise now i do not need to do! i want my family to have a house and garden and i want to be able to take my kids on holiday and do fun things but i will not be doing it now unless it is cash that we are spending.
my budget is done to the end of the year.
our small summer holiday has been paid for in cash.
our wedding is being paid for in cash (once this is saved up)
and in the mean time i will be using every spare penny to pay this back.
seriously when will i learn my lesson????.....it has to be this time.
this time last year i was out of debt and now i'm £14k in debt again. various reasons but nothing significant to show from it.
i guess i'm just always trying to keep up with the jones's which i totally realise now i do not need to do! i want my family to have a house and garden and i want to be able to take my kids on holiday and do fun things but i will not be doing it now unless it is cash that we are spending.
my budget is done to the end of the year.
our small summer holiday has been paid for in cash.
our wedding is being paid for in cash (once this is saved up)
and in the mean time i will be using every spare penny to pay this back.
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Comments
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So the main problem i find is food bills.
i budget £300 a month to cover 2 adults and 2 children and 2 days of feeding an additional 2 children. i'm sure i can do it for less so i'm now going to spend as little as possible but still make sure we have enough to eat.
i will not be taking cash into work for the restaurant when we have perfectly good food at home to make lunch. i will not be buying treats like sweets and fizzy drinks throughout the week as we don't need them.i will be stretching out meats etc as much as i can and using up what we have in the cupboards as well before buying more.0 -
Happy shiny new diaryI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Happy new diary
Good luck
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Good luck xxJust trying to make up for past mistakes and work towards the future I want :hello:0
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Thanks very much for the good luck messages lovely people :-)
this weekend was lovely although i had a small with chicken pox so restricted going out which is good for the purse strings!
picnic at the park saturday, sunday bbq at the inlaws and monday picnic again but at the beach! all this involved spending was on 2 lots of ice creams on the saturday and monday. really enjoyed it too!
this week i have spent so far 60p on a can on diet pepsi and i currently have £4.20 in my purse. i expect to still have this in my purse by friday as i have no need to buy anything else this week apart from maybe some milk.
roll on no spend days!!0 -
NSD's are great
Hope your small is on the mend.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Thanks beanielou, she's much better now, just waiting for the other one to get it!!
so was checking out mortgages and what we could get with out current provider Nationwide for when we want to move. Real eye opener! we currently have £179k on interest only (as thats all we could afford at the time) and to move we would realistically need to up this by £100k:eek: we can only do this debt free and if i go full time (which will hopefully be sometime from next september when youngest is at school). If we still have the debts that we (i) have now we would only be able to get £242 which would not allow us to move from a flat to a house (we live in S/E so high property prices).
So this has given me even more motivation to stick to this plan!!
today i have spent £2.45 at work as i forgot my breakfast and my wrap for my lunch. i did remember the filling though! i also earnt £20 last night from doing nails which is my side line so i currently have £21.75 in my purse with some milk and petrol to get. I will also be earning £8/£15 tomorrow so that will make it up to £29.75 or £36.75.
almost(ish) home time and hopefully some chill time at yoga (already have a pass - paid for by the cc) and then fajitas for dinner! yummy!
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Hi happy New diary , good luck0
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thanks storm89 :-)0
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so what a week!
the other one now has chicken pox and i've been having headaches and ocular migraines after reducing my antidepressants and because of hayfever. sooo anoying esp as i've not had hayfever before! starting to feel a bit better now but miss spotty is covered and itchy poor thing. this means not so much sleep for me!
anywho i've not been able to go out too much which is good and what i've bought have been household essentials, washing powder etc and some shoes boxes for my other half to put his shoes in as we've moved rooms with the kids and lost wardrobe space. i haven't even been food shopping!!!
i have also come up with a cunning plan to make the barclaycard debt seem more managable rather than looking at it and seeing 6k and thinking [EMAIL="s@*t"]s@*t[/EMAIL]!
so i've made a spreadsheet and added on all transactions from my barclaycard app which are included in the total amount including each months interest. I tend to make my payment when i get paid and then think i can't make any significant payments for the rest of the month so don't bother. With this approach i can look at the transactions and think right i've got £10 so i'll pay off that transaction of £8.99 at from sainsburys and then i can remove that line and add it onto my paid off spreadsheet. i feel like i'm paying every individual transcation off then rather than just paying chunks of money off which don't mean anything. I don't have much money left over this month but had £8.43 so i've paid off Amazon £4.99 and costa £3.40. its really satisfying knowing i'm actually paying off the transactions that i've made.
i think thats all for now!0
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