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while the football is on

in Debt free diaries
29 replies 2.5K views
anita55anita55 Forumite
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Hi, can you guess my name? Thought while the football is on I'll start a diary, did try before but didn't do too well.


Well I have roughly 3 years until I retire, (not sure I actually will though). I have debts to the value of £15,356 and want them paid off by the time I leave (or retire). The mortgage will finish by then and the loan on the mortgage has to finish the same time.


I live with my husband and grandson (13) and look forward to writing on here as well as reading the diaries every night, I get a bit obsessed with one diary. At the moment its Historybuff's diary I,m on page 4 so have a long way to go.


My husband knows we have debt as I started a dmp a few years ago when he lost his business paying a £1 a month but now I want to sort them out. Strangely enough my credit rating is good as it was over 6 years ago I started the dmp.


I post my incomings/outgoings when I have the strength.
d
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Replies

  • anita55anita55 Forumite
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    I've been thinking about ways to save money and am going to look on the challenges to see whats there. I already do £1 a day towards Christmas and £25 a month on Park. I save in the tins which can only be opened with a tin opener. I also save for the pantomime I go to every Christmas Eve with my friend and all our grandchildren. I try to put in £5 a week but have recently opened it as I was going away and wanted a bit more spending money then I had, so plan is to put £10 a week away if I can. I have another tin (slight obsession) that I am now saving towards a holiday spending money which we go in 8 weeks time, holiday is paid for by OH.


    Am looking forward to this journey and will try and post everyday even if its just to talk to myself.


    Tomorrow I am at work and Saturday and Sunday so no spends there as I don't even take my purse to work. I take my lunch and we get tea, coffee and fruit and bread and spreads free.


    Off to open a bottle of vino bought by my lovely OH


    Hope your enjoying the longest day, what a lovely day its been.
  • anita55anita55 Forumite
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    So:
    CC1 2394 0%
    CC2 1235 0%
    LINK 356 0%
    RESTONS 2228 0%
    TESCO 2249 0%
    LLOYDS CC 1.697 0% ENDING ON 10/7 18.94%
    NEXT £65.00 LEFT PAID £57 TODAY WILL PAY THE REST NEXT WEEK


    ALSO I HAVE CAP QUEST (RECENTLY TAKEN OVER FROM ARROW)
    £5143 BUT HAVE SAID I'LL PAY £147 A MONTH FOR THE NEXT 3 YEARS


    AND
    I TOOK A LOAN OUT TO HAVE MY TEETH DONE
    £7500 £215 A MONTH FOR 2 1/2 YEARS


    OH MY DAYS ALL THIS WRITTEN DOWN SOUNDS DREADFUL
    BUT AS THE GREAT SONG SAYS "THINGS CAN ONLY GET BETTER"
  • anita55anita55 Forumite
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    Eek just worked out the total £22802 but two are direct debits so will try and pay off as much as possible on the rest
  • UncannyScotUncannyScot Forumite
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    Hello and welcome :D

    just wanted to pop in and say hello so that you didn't feel like you were just talking to yourself like...

    Welcome to the forum and thank you for starting / sharing your diary.

    We are all here on the same journey. If you need any info / advice on anything just post up and someone will pop in to help out ( we really are nice like that :D ).

    So join in, read and comment and become a part of this great wee community.
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
  • anita55anita55 Forumite
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    Thank you Uncanny Scot no doubt I will ask lots of questions along the way, I have been in debt for as long as I know my first incident was with the bank manager getting a telling off when I was 16 you think I would have learnt from that, now at 62 I think its finally sinking in, never too late.
  • anita55anita55 Forumite
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    Good morning, beautiful day, off to work and won't see a bit of the lovely sunshire, hopefully its still nice at 6 o'c.


    Going to treat us to a M&S meal deal a bargin especially with my discount, don't normally OH paying so why not.


    Have a great day
  • redofromstartredofromstart Forumite
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    Good luck with your new diary - and hope the sun is still shining at 6pm for you
  • foxglovesfoxgloves Forumite
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    Hello Anita55,
    Good luck with your DFW diary. I do find that mine is helping me to re-focus.
    I can also remember being told off by the local bank manager back when I was about 19 or 20. It was far more difficult to borrow money back then, wasn't it? But even so, my debts began at age 19.......at exactly the same time as my naughty over-spending. Hmmmm......it's almost like they were connected!
    Best of luck with your debt-busting.
    F
    "Begin doing what you want to do now. We are not living in eternity. We have only the moment, sparkling like a star in our hand and melting like a snowflake".
    Sir Francis Bacon 1561 - 1626 (Philosopher & statesman)
  • Sun_AddictSun_Addict Forumite
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    Hello Anita, just read your diary so far - my diary is called Things can only get better funnily enough :) I've got 8 years until I retire and need to get myself sorted before then. Good luck with your journey, look forward to seeing your progress :)
    Christmas Savings 2023 £99.99/£600 January NSD:10 Survey earnings £75.58 1p Savings Challenge no 72: £2226.87/£667.95
  • anita55anita55 Forumite
    198 Posts
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    Good luck with your new diary - and hope the sun is still shining at 6pm for you
    Thank you redofromstar it certainly was
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