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Drawing a line under the debt. Take two. - Page 8

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Drawing a line under the debt. Take two.

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • savingholmessavingholmes Forumite
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    Productive day at least. It's hard to work out what your food budget should be. I tend to overspend mine despite all my best intentions.:o
    During 2020: Target 1) Reduce debt from £25.1K to £5K or less @ 0% Now down to £17,628 Target 2) Overpay mortgage - now @ £774 OP Target 3) Improve pensions Target 4) Declutter 52 bags - now done 23/52 5) Lose 21lbs - now at 15lb lost 6) Build EF/Savings pots to £2K by 31/12/20
  • DrawingalineDrawingaline Forumite
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    So after Saturday I spent Sunday being lazy :rotfl:
    I woke at 10.30 so missed church :( which was annoying but I obviously needed the sleep. I visited my mum and dad and everything is slowly getting better there, but still feel incredibly let down. I need to try and draw a line under it ( ;) ) I think. I am awful at holding grudges, need to work on that.

    Been an ok week at work. The difficult client cancelled for this week and next which was a relief tbh. Will see how that goes over the coming month.

    We live in the tiny bubble of the UK that has had NO SNOW :rotfl: been -5.5 the past two mornings though when taking hubby to the station at 6.45am :eek: been feeling that, and the car has been starting with a protest :rotfl: kids so annoyed that they haven't !!!! the schools. Apparently it may hit tomorrow so the boys school has taken the decision to shut early. OMG you would think the world had ended, the girl went off on a complete rant (they attend different secondary schools, through choice, they like being in different schools) as hers hasn't decided to shut yet. 14yr old girls are self absorbed, indignant, entitled brats sometimes :eek: then as we were putting the little two to bed the boy bragged to them that he was off school which prompted complete and utter meltdown from the smallest, complete with kicking and throwing, and the wierd one just collapsed in a sobbing heap as it was all so unfair. So fun and games in the DAL household tonight :mad:

    And I am sitting here praying the snow stays away, if I can't work for the next two days, that is 11hours pay I won't get which means over £100 down on payday, which means less off the debt :mad: I hate snow :mad:
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    So the smallest has just come down to tell me he is thinking of things he will do to help me to make up for the throwing and kicking. This is a huge improvement, showing empathy etc, am actually feeling quite proud :o

    And a money saving thing I did today, was to book the boys next two free running classes online using a 50% discount code the trampoline place have given out. Just hope we can go on Friday depending on the weather. If they cancel I can reschedule, if they are open and we don't go we will lose it. So hopefully it all works out ok. But £8.50 saved :money:
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Been slacking on the updates, but the last two I have done have disappeared :mad: anyway we had two snow days, I managed to get to one job with all the stuff in the sledge as it was two streets away. Hubby was working from home too. But by Monday we were all ready to get back to normal!

    Child benefit came in this week, so now have £400 for the trip to France, going to get that as euros and try and save a bit more in the bank that we can use if need be.

    Been spending far too much on food again. Really need to start to meal plan a bit better.
    Have rejigged when I pay what in the month which means I can afford to drop a client, but the smallest is coming to the end of his time at the specialist unit so I may be able to fit in another one on a Thursday. But I am worried about his transition to full time school, he is doing so well but I think there will be a bit of a backslide as he gets used to it again.

    Anyway five days until payday :T
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Been really easing off on updates so must try and sort that!

    I got paid yesterday, mortgage ready to go out later in the month, loan payment sorted and £80 into entertainment. Main food shop has been delivered and am trying to eat out of the freezer now.

    It's the his birthday on sat. Have her presents all bought, she wants to go to Mcd's for tea so nice and cheap. The smallest has a party on Sunday so a gift purchased and all ready to go.

    I was doing well on the financial front, but have just signed the smallest up to a singing/dance/drama class to help build confidence (and he asked to do acting after a theatre visit with school!) And it is pricey. Going to have to rejig the budget to fit it in, but if it helps him in any small way it is worth the investment in my eyes. He finishes at the unit next week and his one to one at mainstream school is also leaving so some upheaval coming his way. The manager of the unit spoke highly about him and I think he will be missed by all the staff. I cannot praise the unit enough, he has come on so much in the two terms he has spent there and is so much better at regulating how he is feeling and makes himself 'safe' rather than lashing out at other children and staff members. He still has the occasional episode but hasn't needed to be restrained in a few weeks (it used to be a daily occurance) and is just generally calmer. He still struggles with the busyness of his classroom, but his coping strategies seem to be working.

    Anyway I am shattered, and am off to bed :o
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    So I covered the cost of the drama class from my fuel category, going to have to drive carefully for the rest of the month :rotfl:

    Hubby's work are having a Legoland sale for a set date later this year, £13 a ticket :eek: so that has gone on the credit card, couldn't turn down a day out at Legoland for less than £100 :T hubby gets paid on 25th and I am planning on becoming fully buffered for ALL monthly categories except the loan repayment and mortgage. So there will be nothing going on debt unfortunately, but means everything is up to date and I think I will feel an accomplishment. When I get paid in April I will pay some into June and then some for France, pay off the Legoland tickets and then MAY try and get the stuff for the conservatory. Which again means nothing off the debt bar the interest payment, but I think I will feel better trying to get stuff done. There is a lot of expenses coming up over the summer though.

    I have the possibility of a new client. So that will help and once the smallest is back to mainstream school I should be able to fit in another one on a Thursday. I will have full days Monday/Tuesday/Thursday/Friday, but will be finished by 11.30 on a Wednesday. So time off to plan things. Deliveries, things like getting new tyres/mot etc, and to catch up with friends.

    New tax year means tax credits are re-evaluated which I hate. ATM it looks like our payment is going up by £150 as an overpayment has been paid back, but I never trust it. I am going to try and get my self employed tax returns or before the end of April rather than waiting until January, that way the tax credits should be pretty accurate for the coming year. But we shall see.

    Anyway break over, back to it!
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    So it took money from our holiday fund and am now fully buffered :D it was annoying me only having essential bills buffered, so now all sinking funds etc are a month ahead in ynab. Everything except the mortgage (too much money yet!) And the loan payment (better off the loan than sitting in the bank) so when hubby gets paid I will be setting up June's essential bills in ynab, paying back some of the holiday fund, paying off Legoland and putting a small amount aside for the Easter hols. Rest on loan. Them when I get paid around 11th April I will do all sinking funds etc for june, some for France weekend and rest on debt. Think k can get around £700 paid off in total.

    Normal loan payment came out, and interest was applied. £37. So around £6 less than last month. Have paid that in. Total now £10459.31 and feeling positive!:T
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Wow, saving £6 a month in interest is good going.
    Well done. And I agree with you, if you have secure incomes, get the money paid off the loan rather than sitting in your account.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • MumoffourkidsMumoffourkids Forumite
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    Wow that’s really good having everything except the mortgage and loan buffered. I will get to that point one day but probably not until the debt has gone. I am impressed. How long did it take you to get to this point?
    Emergency fund £257.38/£1000
  • DrawingalineDrawingaline Forumite
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    I have had ynab since October 2016. My husband was unemployed for 13months. So where we were using his pay for mortgage and bill I had to switch to my main lay for mortgage (including moving the payment date) and the tax credits to bills. Obviously we got a fair chunk of tax credits due to the loss of 32k in income, and because it'll came to me (hubby used to be awful at frittering money away) I could allocate it nicely. We qualify for all 4 children and one is on middle rate DLA so we get an extra chunk (always found that odd seeing as DLA is specifically for them?) Anyway because it is paid four weekly we had 13 payments so got ahead! Otherwise it would never have happened tbh.
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

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