Never-ending story

kerron7

It’s been about 6 years since I last had a diary and a lot has changed during that time apart from still being in debt. So a quick rundown I work in education, I have three children who live with me and three who are adults and live elsewhere, my relationship broke down in 2020, my mom passed away 2 months later, my nan also passed away and I’ve had some health issues with no particular diagnosis but has got me feeling pretty rubbish at times. Mentally right now I’d say it’s the best I’ve ever felt which is fantastic but the debt is still a source of worry and I just need to get it gone and break this cycle.

Money is stable at the moment and I never miss a payment but come the middle of next year DD2 will turn 18 which will see a big reduction in money coming in. This might also impact housing depending on her plans for further education as I currently rent but that is something to think about when we know what she is doing.

The last few months I’ve really been trying to break those habits of buying things I don’t need and making sure everything has a budget. I hope starting another diary will help me to keep focused this time and although it seems like a long way off finally become debt free. 

K x 

Sarahwithlove

What's DD2s plan when they turn 18? Are they in education or doing an apprenticeship? 

kerron7

She’s currently at sixth form doing performing arts so she is hoping to go on to study it further, which will mean her living away from home.

kerron7

Hopefully a NSD, I do have a shop coming later and need to get electric (hate meters) but that is planned. Have transferred grocery money into main account and took some from other as I bought some gifts for teachers ready for end of year.
 
Today I’ll mainly be watching the tennis, it has taken over much of my week but it’s been fantastic so far.

Need to look through some holiday clothes for my son and see what fits him, I bought lots of shorts and t-shirts about 2 years ago and they were still way too big last year so fingers crossed they do now and won’t need to purchase too much. DD3 however has outgrown everything, an order has been placed! DD2 has been buying her own clothes from her wages since she has been working which has been extremely helpful to my budget.

To do list 

Take DD2 to work
Tidy and hoover my bedroom
Clean bathroom
A couple of loads of washing
Put washing away
Hoover upstairs 
Check to see what still fits son for holiday 

Breakfast - bagels, cereal, eggs, tomatoes & ham
Lunch - sandwiches, shake for me 
Dinner - pasta, chicken & rice 

K x 

kerron7

End of month round up of totals owed 

Loan - £11,284.78
Car - £2,064.94
MBNA - £5,333.61 % until next year
Tesco 1 £4,388.59  % until next year 
Tesco 2 £790.59 will incur interest come end of June 
Very - £1,194.23 BNPL
Next - £94.36
Argos - £68.00 BNPL

Total - £25,219.10 😭

My aim is to be under £20,000 by the end of December!

I also have a Klarna account which I budget an amount for every month, so won’t include this in debt as it’s ongoing.

debtfreewannabe321

Wow you've been through a lot in the last few years. Well done for having the mental clarity to tackle the debts as well. How are you tackling the debts? Are you using a snowball method or have something else to help you pay them down. Or are you able to just keep moving from 0% offers to another (they ran out for me eventually). Good luck with it all enjoy the rest of the weekend ☺️.

kerron7

At the moment it’s just above minimum payments on the credit cards although £574 of TCC 2 and Argos will be gone towards the end of June. I’ve got a lot of things coming up in the next 3 months and then I’ll have to start saving for Christmas so I’m hoping come January/February I can start making bigger payments towards the cards. Have a lovely weekend.

K x

kerron7

Lovely and sunny here this morning which is nice for a change.

Completed everything on my to do list for yesterday. Pleased that most of the summer things I had for my DS now fits him so only a few t-shirts needed really.

Yesterday was a NSD, not sure it will be today as I need to get a few bits although I might try and wait until tomorrow.

To do list

wash my bedding 
put some clothes away
sort sons bedroom
polish living room 
hoover and mop downstairs 

Meal plan

Breakfast - cereal, bagels, eggs & ham 
Lunch - Sausage, mash, vegetables & yorkshires
Dinner - Something on toast, shake for me 

K x 

kerron7

Nice and sunny again today, will hopefully get some washing on the line!

Everything done on my to do list yesterday apart from mop the floors which I’ll do today.

Not back to work until tomorrow but had to get up to take DD2 to an appointment then drop off at sixth form. 

Not a NSD today had to get some medication for DD3 £12.20, also got some shampoo, conditioner, hairspray and paracetamol but used points to pay for these. A few bits needed from Mr S used some nectar points so only £2.46 from grocery money used.

Sold 2 things on Vint@d £3.50, better than nothing. Never sold on there before, but no luck on the bay of e. After 3 weeks of relisting something with no takers I thought I’d give it a go, within an hour it was sold! Posted both of them this morning. 

To do list 

Load of washing 
Mop floors 
General tidy and clean 
Lunches for tomorrow 
Watch tennis - highlight of the day!

Meal plan 

Breakfast - cereal, eggs, ham & tomatoes
Lunch - sandwich, bagel, shake for me 
Dinner - curry, fish fingers (son) 

K x 

kerron7

Had a headache yesterday, hormonal rather than first day back at work I think so had an early night. Feeling much better today just very tired.

Did have few spends but all came from relevant pots.

Made some sales on vint@d over the last few days not sure where to allocate the money as all pots are looking rather bare most probably into clothes/uniform.

Had an early tea tonight as have an event later to watch DD2.

Loan came out on Monday now down to £10,917.75.

K x

Ordinary_Yet_Unique

You say you 'currently rent'. Is the long term plan to buy a property?