We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!

Diary of a 30-something idiot

Options
1123124126128129158

Comments

  • Hi Fox, just checking in that you’re ok? 
    14.05.2014 Total unsecured debt £15,360.99
    20.06.2024 Total unsecured debt £15,087.29
    29.07.24 Total - £15,681
    12.09.24 - £16,187 oops…..
    Oct 24 - £18,325
    Nov 24 - £18,185
    Dec 24 - £18,131
    Jan 25 -£18,347
  • foxandflowers
    foxandflowers Posts: 537 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    edited 15 July 2024 at 9:12AM
    Life update: Covid = 1 Me = 0.

    Have spent the majority of the last week since working the polls absolutely dying. I am back in work today and still feeling rough, but thought I had better come in if I wanted to keep my job. So I was up bright and early, showered, drank two coffees and a lemsip (actually a lidl version of lemsip), and now I've been in the office for less than an hour and have a headache behind my right eye already. My task list is overwhelming so I am ignoring it and posting here instead. 

    We are almost out of food, and definitely out of money. I have a portion of lasagna from the bowels of the freezer for lunch, and I get my child maintenance money tomorrow so will have to do what I can to stock up on food then. Made another £37 on Vinted, have posted all those parcels and am now just waiting for them to turn up so I can withdraw the money. I don't know if I need to put fuel in the van for this weekend, as one of the boys is on holiday abroad, so not sure if we are having the other one or not. I foresee a future of beans on toast and pasta bakes. 

    Made the most of the time off and sat down with Mr Fox and showed him the budget. Explained that if he wants to smoke, that's fine, but I cannot afford more than a pack a week, so he needs to cut down. Also told him that the snacking has to stop. I have budgeted £100 a week for the 4 of us, I buy some crisps and chocolate with that money, and once those are gone, I cannot keep nipping to the shop for extra bits. We switched the dog to raw food, and that seems to be going well, so that's saving a small fortune. £40 a fortnight instead of £90! Sometimes I think there must be so much more we can cut down on, and sometimes I think that I have almost nothing left that brings me joy and if I trim the fat even further, then what is the point in carrying on? We discussed moving again and came to the joint conclusion that we have not learned anything really, financially. So we would free up some thousands of pounds, and waste it all, and end up in a worse house, in a worse area, with nothing to show for it. We will be staying put for at least five years, and very very slowly working on the house, and then see where we end up. The most important thing is to learn to live within our means, budget properly, not borrow any more money, and slowly dig ourselves out of the hole we are in. 

    Luckily we can take advantage of free hobbies. I have enough cross-stitch to get me through the next five years and have been enjoying stabbing things. Walking the dog on the beach is one of life's great joys and that is also free. So is watching a movie from my vast collection on my external harddrive, so is reading a book, so is doing a puzzle, so is watching Taskmaster with my daughter. It will get better. It has to. 

    PS. Stepson HAS A JOB as of Saturday night, working as a barman in one of the locals. Thank God. The sooner he starts contributing the better. 

    PPS. I had Wales and West Utilities come out last week too. They replaced my regulator hose. Four months after it started, I no longer have intermittent gas. And it was free. My favourite price!

    PPPS. Have fixed my Gas and Electric for the next year. Unit rates are down - Gas was 7.80p/kWh to 6.14p/kWh and Electric 27.75p/kWh dropped to 22.66p/kWh. I almost certainly still won't put the heating on until December.
    ❀ total debt at LBM 01/2023: £47,178.76  ❀ debt at highest point: £51,062.14  
    ❁ currently - £24,950 ❁ emergency fund - £2,500 ❁ 
     ⚜  decluttering medals: ⭐️ || running total physical items in: 74 out: 160
    £1600+ made on vinted since 2023 ⚜
    we could get better, because we're not dead yet - frank turner.  ❧ 
    ------------------------------------------------------------------------

    twentytwentythriving.
  • Well done on having the chat and explaining the non negotiables 
    Also well done on recognising there is no “quick fix” 
  • PPPPS. I downgraded the internet. Nobody has noticed. 
    ❀ total debt at LBM 01/2023: £47,178.76  ❀ debt at highest point: £51,062.14  
    ❁ currently - £24,950 ❁ emergency fund - £2,500 ❁ 
     ⚜  decluttering medals: ⭐️ || running total physical items in: 74 out: 160
    £1600+ made on vinted since 2023 ⚜
    we could get better, because we're not dead yet - frank turner.  ❧ 
    ------------------------------------------------------------------------

    twentytwentythriving.
  • MeandO
    MeandO Posts: 3,226 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Well done Fox, hopefully all of these small changes will have larger effects on your budget xx
    Mortgage @ 03/2019: £125,000, Now: £52,091.86
    Mortgage OP’s: £20,556.73
    Remaining 10% OP allowance 2025: £1462.55
  • 24ta
    24ta Posts: 266 Forumite
    Part of the Furniture 100 Posts
    Well done Fox, very positive post 😊
  • stymied
    stymied Posts: 654 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    What was OH’s response to being shown the budget?
  • MFWannabe
    MFWannabe Posts: 2,457 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 15 July 2024 at 12:50PM
    Life update: Covid = 1 Me = 0.

    Have spent the majority of the last week since working the polls absolutely dying. I am back in work today and still feeling rough, but thought I had better come in if I wanted to keep my job. So I was up bright and early, showered, drank two coffees and a lemsip (actually a lidl version of lemsip), and now I've been in the office for less than an hour and have a headache behind my right eye already. My task list is overwhelming so I am ignoring it and posting here instead. 

    We are almost out of food, and definitely out of money. I have a portion of lasagna from the bowels of the freezer for lunch, and I get my child maintenance money tomorrow so will have to do what I can to stock up on food then. Made another £37 on Vinted, have posted all those parcels and am now just waiting for them to turn up so I can withdraw the money. I don't know if I need to put fuel in the van for this weekend, as one of the boys is on holiday abroad, so not sure if we are having the other one or not. I foresee a future of beans on toast and pasta bakes. 

    Made the most of the time off and sat down with Mr Fox and showed him the budget. Explained that if he wants to smoke, that's fine, but I cannot afford more than a pack a week, so he needs to cut down. Also told him that the snacking has to stop. I have budgeted £100 a week for the 4 of us, I buy some crisps and chocolate with that money, and once those are gone, I cannot keep nipping to the shop for extra bits. We switched the dog to raw food, and that seems to be going well, so that's saving a small fortune. £40 a fortnight instead of £90! Sometimes I think there must be so much more we can cut down on, and sometimes I think that I have almost nothing left that brings me joy and if I trim the fat even further, then what is the point in carrying on? We discussed moving again and came to the joint conclusion that we have not learned anything really, financially. So we would free up some thousands of pounds, and waste it all, and end up in a worse house, in a worse area, with nothing to show for it. We will be staying put for at least five years, and very very slowly working on the house, and then see where we end up. The most important thing is to learn to live within our means, budget properly, not borrow any more money, and slowly dig ourselves out of the hole we are in. 

    Luckily we can take advantage of free hobbies. I have enough cross-stitch to get me through the next five years and have been enjoying stabbing things. Walking the dog on the beach is one of life's great joys and that is also free. So is watching a movie from my vast collection on my external harddrive, so is reading a book, so is doing a puzzle, so is watching Taskmaster with my daughter. It will get better. It has to. 

    PS. Stepson HAS A JOB as of Saturday night, working as a barman in one of the locals. Thank God. The sooner he starts contributing the better. 

    PPS. I had Wales and West Utilities come out last week too. They replaced my regulator hose. Four months after it started, I no longer have intermittent gas. And it was free. My favourite price!

    PPPS. Have fixed my Gas and Electric for the next year. Unit rates are down - Gas was 7.80p/kWh to 6.14p/kWh and Electric 27.75p/kWh dropped to 22.66p/kWh. I almost certainly still won't put the heating on until December.
    What a great post to read! Well done for having the talk 👏
    I’m so glad you’ve realised it’s not a good idea to keep moving x 

    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • SuzeQStan
    SuzeQStan Posts: 1,662 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    Gotta ask - what is your favourite season Taskm@ster?
    Lancashire
    PV 5.04kWp SW facing
    Solar Battery 6.5 kWh 
    🐙 Intelligent Go

    Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.

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
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K 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.