I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Today is a better day. DD is here resting and in a good mood, so all is calm.
    Today I've wrapped the rest of my pressies, defrosted the freezer, defluffed the dryer and done all the washing.
    I would like to get all the washing put away and blitz the bathroom too.

    I checked my bank account to find I've gone oever my OD limit by £7. I'm really annoyed as I got a text from the bank telling me what the balance was Saturday morning, so I drew out the rest in cash so I couldn't ever spend on the big Christmas shop. I've transferred the remainder of my savings today to cover the shortfall, but not sure if this will be quick enough to prevent a charge. Oh well serves me right for cutting it so close this month.
    Payday tomorrow :T
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • edited 31 December 2013 at 12:21PM
    SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    edited 31 December 2013 at 12:21PM
    Well Christmas has been and gone, pressies unwrapped, food eaten. Over all I'm quite please with my self. I've managed to keep paying down the debts and haven't put 1 penny on the credit cards.
    I did exceed my overdraft limit though and will probably end up with a charge.
    I've traveled 2350 miles at an average of 56.6 miles per gallon!
    So here i am looking towards 2014...
    I still feel I'm never actually completely in control of my money, and I still don't know why this is. This year, in the 6 months I've been on this journey, I've identified a few problems
    1. I never actually budgeted for anything before, only what was forecast to come out of my account as direct debits, but things like car running costs, haircuts, new clothes.,.where on earth I thought the money came from for those I'd no idea...some huge bottomless pot ahem!!
    2. I spend more when I'm stressed and tired, common sense goes out of the window and I bury my head in the sand.

    My 3 short term goals stand

    1. Pay off my over draft. (1 debt 100 days challenge)
    2. Open another account for the monthly spends so I can't possibly over spend
    3. Do a proper 100% water tight budget and feel utterly in control. I think I need a 'tool' for this, I'm not very good with maths, or spreadsheets, so I find it difficult to keep tabs on planned versus realitiy

    My long term goal for 2014 is to pay off all my debt completely, so by Jan 1st 2015 I will be completely debt free apart from the mortgage. Not sure how as my current debt free date is a full 12 months after this. But this is my goal.
    My take home pay is £31200 per year. I spend £18600 on direct debits and minimum debt repayments, live on £10,000 which leaves £2600 left over.
    I've joined the frugal living challenge, and I pledge £10,000 living cost this year, this is not including my fixed DD's, rent, council tax, utilities etc. But includes groceries, car running costs and all other incidental spends, the ones that generally run away with me!
    My total debt remaining is £13407, my minimum payments will be £5940 and I have £2600 left over for additional payments meaning there is a shortfall of £4867 or £405 per month. So my challenges are really...
    1. Stick to my budget religiously and account for every single penny
    2. Find an extra £405 per month

    I am due a bonus this year, which after tax my accounts for half of my shortfall, so this is not impossible, also I haven't included my milage costs which i get paid, this is variable.

    When I get back, before new year I'm going to devise a way to keep tabs on all my spends against budget.

    I love lists so here's my to do list for today...(I'm going away for a few days)
    1. [STRIKE]Take DS to station for his weeks holiday with his friend in Scotland[/STRIKE]
    2. [STRIKE]Dry clothes I need to take with me[/STRIKE]
    3. [STRIKE]Pack[/STRIKE]
    4. [STRIKE]Sort out fridge and freeze stuff so don't wast any food while I'm away[/STRIKE]
    5. [STRIKE]Message friend on FB[/STRIKE]
    6. [STRIKE]Meter readings[/STRIKE]
    7. [STRIKE]Dye hair[/STRIKE] Free from DD
    8. [STRIKE]Shower[/STRIKE] No idea why I put this in, it happens every day regardless!
    9. Paint nails
    10. [STRIKE]Buy wine to take to friends tonight[/STRIKE] £2.99 from Aldi
    I think that's enough lists for today!!

    I hope you've all had a lovely Christmas and kept within your budget, and that you have a lovely new Year and 2014 brings you everything you wish for x
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • parsnipheadparsniphead Forumite
    2.9K Posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    I'm not very good with maths, or spreadsheets, so I find it difficult to keep tabs on planned versus realitiy

    Hello skinnylatte.

    It sound like you have a good plan but the above is my biggest downfall to. I have even tried loads of apps etc but nothing works for me, and I just dot get spreadsheets and all the formula. I think it's back to pen and paper.

    I hope you have a lovely time away and a good new year.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Well my boyfriend decided to end our relationship today, great timing eh :(. He's decided that he wants to have more kids, which has really hurt me, as he knew from the very start I didn't want any more, I'm 45 for goodness sake. So what waste of time the last 4 months has been, I wish he'd said this earlier, before I'd bought his Xmas present:rotfl:

    Oh well dating was kinda expensive anyway. At least I won't be spending any money tonight, in fact I'm just going to go to bed early, new year was always a bit of a let down anyway.

    That brings 2014 in to even more focus

    1. Family
    2. Friends
    3. Debt busting
    I just had to get a list in somewhere :T
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Happy new year to you Skinny latte! What a horrible thing to happen today.
    Thank you for your posts and diary, they've given me a bit of a kick up the backside to start taking control of my situation and make 2014 the year to tackle things head-on.
    Sealed Pot Challenge No. 286
  • parsnipheadparsniphead Forumite
    2.9K Posts
    Part of the Furniture 1,000 Posts
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    Sorry to hear that skinnylatte.

    I think I will be joining you for an early night(well not literally obviously) ;) as I hate new year, it's a very sad time.

    Onwards and upwards in 2014 eh.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • edited 6 January 2014 at 1:35AM
    SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    edited 6 January 2014 at 1:35AM
    What a wonderfully frugal start to 2014. I was struck down with a tummy bug in the evening, as well as finding my self unexpectedly single, so have eaten nothing so far today, and still have no appetite!! And the £50 that was in my purse for NYE is still there in tact. OK so not the best way to start the year, but definitely good for the budget.
    Today has been allocated for doing not much at all. I've prepared a spreadsheet for January. Tomorrow I need to do a shop which will last til Monday as I'm working away for the rest of next the week.
    I haven't actually bought any food since before Christmas, and wouldn't need to but DS will be home Friday and the freezer left overs won't keep him going for long.
    So list for the rest of this week looks like this
    1. [STRIKE]Take down Xmas decs[/STRIKE]
    2. [STRIKE]Shop[/STRIKE]
    3. [STRIKE]Clean out car[/STRIKE]
    4. [STRIKE]Check tyre pressure and fill up screen-wash[/STRIKE]
    5. Send of VAT change of address form along with VAT return - oops still to do
    6. [STRIKE]Business emails up to date[/STRIKE]
    7. [STRIKE]Declutter 1 shelf of Kitchen shelves[/STRIKE] Did the shoe cupboard instead, it was less scarey
    8. [STRIKE]Meal plan til Monday (before shopping!)[/STRIKE]
    9. [STRIKE]10 Ebay listings[/STRIKE] Did 15 - go me :j
    But not today, today is a duvet day ;)


    Frugal things I've done this week include, collected 100 nectar points from adpoints, made a banana & walnut loaf from brown bananas and Christmas walnuts, stayed in
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Hey

    Just catching up on your thread *subscribes*
    :(:j:jDebt:
    £18426


    Being broke isn't the end of the world...it's the begining of a new plan!
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Thanks for joining EmilyTee, I love your diary so far.

    Today was fairly uneventful. Ventured out to the shops and spent £11.07 at Aldi, made stilton soup from Christmas left over cheese and took down the Christmas decs.

    I caught up on my online business emails and posted 3 new youtube videos. My Youtube channel has taken a massive nose dive recently. I had 1 video that has been viral for the last 2 years, but it now seems to have run out of steam, so the income from this has about halved :( A bit of a worry as I am hoping to take a decent dividend from this later in the year to pay off a chunk of my debt.

    Work seemed to have forgotten I was on holiday today and I received no less than 4 calls today, admittedly I shouldn't have turned my phone on until Monday!

    Frugal things I've done, is eaten very little as I've still not got much of an appetite, and earned another 100 points from Adpoints.

    DS back tomorrow, it will be lovely to have him home, hopefully the fridge is prepared enough!
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    I can't believe there's only 2 days left before I have to go back to work:(.
    I took DD to the hospital today, an appointment to check the healing after she had 5 teeth removed just before Christmas, she's healed really well and they put in rubber grommets between her back teeth to separate them in preparation for the brace. So all is good there.

    DS arrived home full of cold bless, and then promptly switched on the TV and every light in the house and asked what was for tea :mad:

    Still not feeling great today so taking it easy. Spent £3.99 on car parking and a MacDonalds breakfast. We shared it and after DDs employee discount it was £1.99 bargain!

    Other frugal things I've done, is drive slowly and collect another 50 adpoints (not related!) which brings me up to my maximum for the week.

    I've also posted 4 Youtube video's and have quite a few ideas for some more so will get cracking!

    Tea was fishcakes that have been lurking in the freezer for a while with potato wedges (hand made from my 12.5kg/£4 sack of spuds from the farm up the road) and a salad made from Aldi Super 6.

    Delighted that I've paid £352 off the debts so far this month.

    My bank of Scotland card transfer has finally gone through, so the vast majority of my debt is now on interest free :T
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

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