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  • FIRST POST
    • aimeemum
    • By aimeemum 17th Jan 19, 11:29 AM
    • 371Posts
    • 1,566Thanks
    aimeemum
    AimeeMum's Debt-free challenge
    • #1
    • 17th Jan 19, 11:29 AM
    AimeeMum's Debt-free challenge 17th Jan 19 at 11:29 AM
    Hi all,
    I'm an oldie but really a newbie. I was first here in 2014 trying to get our situation back on an even keel. A lot has happened since then, we've not gotten any worse debt-wise, but things haven't improved either and I'm determined that that is going to change this year. I want to enter the new decade debt-free, and I think we can do it.

    I added up all of my debts, there are arrears, credit cards and a CCJ. I've been paying off all I can every week since the beginning of October, and since then have seen my amounts come down slowly but surely.

    Things that have us over a barrel - we're on the dreaded Universal Credit, which means that making extra money etc is made difficult. We tried for a couple of weeks, having my husband work some OT to top us up, and with UC taper, student loans, tax and other deductions we were actually worse off than him not doing it! Not going to do down that route. I'm a SAHM, with 3 small boys, all at school now. I've just finished a MA in Early Modern History (graduation ceremony is tomorrow) and I thoroughly enjoyed it. I'm currently writing as much as I can and trying to build up a base ready for writing/publishing my first book. Probably going to take at least a year though, so it's a long game. In the mean time, I'm doing all I can to increase our cash flow to try to get rid of the debts.

    I'm currently paying out circa 130 a week (hubby is paid weekly so handy to budget weekly payments and make regular payments to see if going down quickly!) on these debts. Once my arrears are all gone and debts paid in full, we'll only be paying out 60 a week! That's a lot of money a week to be better off and really is the equivalent of me getting a 16 hour a week job!

    All my current balances etc are in my signature. I'm so determined to have all this gone as soon as possible...let's see how quickly we can do it!!
    Last edited by aimeemum; 04-02-2019 at 1:28 PM.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
Page 3
    • aimeemum
    • By aimeemum 18th Feb 19, 12:26 PM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    What a weekend - Saturday finished up with us having friends over until well past my bedtime and I'm still paying for it now. Sunday I took the kids to a party at the trampoline park - spent 2 on a multipack of water and a bag of lollies prior to getting there and we still have some of each left so that was a good investment. Other than that nothing spent and the kids had a great time! We were all shattered!

    Today I find out how Mum is getting on - she was supposed to have her CT on Saturday but it got delayed until today and she has been kept in all weekend as a result. Hoping it's good news.

    Hubby managed to smash his phone at the weekend so has had to buy himself a new handset. he's got himself an ebay bargain one and I've only had a to give him 6 out of the family kitty to cover it so I don't think that's too bad (the rest is coming from his ebay profits).

    Feeling really horrid today - combination of worry, fatigue and just general blues so hoping to feel better tonight. Have middle child home today as he has a horrid cough/cold that I knew school would just send him home again so no point in putting him on the bus. He's been very quiet all day so I think I made the right decision. Looks like I'll need to get new school shoes for my younger 2 boys at half term - that's 30 out of my already pretty hammered 'set aside' money. I was hoping to get them through to Easter but at least if I get them now, I know I wont need to replace them until September so a worthwhile investment.....also need new uniform for eldest as he's growing like a weed and his trousers appear to have fallen out with his socks!

    Not heard back from OVO yet either which is another annoyance. Just tried to call them and it's a 12 minute wait.....I'll try again tomorrow. Also waiting on everything to tick over the next few days - ca insurance, CC interest, UC calculations.....I hate this time of the month! Still....only 9 days until the start of the next pay period and I can see how much debt we've paid off this month - That's my favourite bit!
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 19th Feb 19, 10:00 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Happy Tuesday -

    Achievements for today -

    Nipped out for milk and bread - only spent 3.50 so still have 1.40 in change to give as pocket money this week.
    Wrote my to-do list for the rest of the week ready for MIL visit.
    Sorted the washing pile that had been steadily building the past week......should not leave it to do that!
    Yesterday I finished my Tesco order for the week. Only thing I couldn't get was a FR chicken so hubby will have to call in and get one on his way home one night this week.

    Not a lot else happening. Mum didn't get her CT yesterday so hopefully she will get it this morning and be allowed out...she's been in since Friday with no actual movement medically which is frustrating.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • abba1772
    • By abba1772 19th Feb 19, 3:22 PM
    • 6,051 Posts
    • 24,315 Thanks
    abba1772
    Fingers crossed your mum has her ct scan today xx
    NEXT TARGET ARGOS WAS July 19 92.98 NOW 32.56
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 13039.59
    POAMAYC 2019 6690.31
    • aimeemum
    • By aimeemum 19th Feb 19, 5:45 PM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Fingers crossed your mum has her ct scan today xx
    Originally posted by abba1772
    Thanks, she got it done at lunch time and has now been released. She has a large ovarian cyst and so needs an operation ASAP, so will wait until she is back in the UK next week (she arrives Saturday) to get that booked in.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 20th Feb 19, 1:09 PM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Lots of phone calls made today.

    1. Ovo energy to set up my payment plan. I have set it up for 55 a week (currently paying 25 which covers my usage but isn't really making a dent in the arrears) from 1st week of April. I can actually more than likely afford to pay 100 a week but I'm happy now that they're not going to start collections processes.....last thing I need.

    2. Council to find out how much I'm still owing this month and when the bills for next year will be through. I have 303 (less than I thought) left to pay, and bills will be out next week. I found this years structure online and it looks like monthly DD is going to be 131 a month if none of my arrears are rolled over onto next year. Will possibly allow up to 100 to rollover as I know my budget can cope with up to 140 going on CT. Have to call back in March to arrange this and get a new bill to reflect it.

    3. Water board - couldn't actually speak to them about payment structure as I'm not named on the bill but they're sending me an up to date bill and I'm to call back and make a payment (and possibly send them permission in writing to speak to them in the meantime).

    Don't feel that great right now. Sick of dealing with constant bills etc but good to see some progress being made. I'm in that crappy stage of the week/month. Still, payday tomorrow so that's something to look forward to at least.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 21st Feb 19, 8:32 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    After I posted yesterday the whole day wen to pot. I got a phone call from school telling me that middle-born had been sick. I managed to catch the bus 3 minutes later and went and got him, and we were home just in time to pick the other two up off the school bus. We had a friend's little boy over for tea last night too so the boys were occupied while I caught up the stuff I was supposed to do in the afternoon.

    Payday today - only managed a payment of 60 off debts today - needed to keep some money back to cover half term. I'm hoping to keep the costs right down but I'd rather that I kept it and had it than needed it and it wasn't there. Hopefully I can not spend it and then send it over to hubby's credit card later in the week........we shall see.

    Tesco order coming today. I have middle DS off sick for the rest of the week so no peace and cartoons on the TV......no excuse for not getting my jobs done! lol
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 22nd Feb 19, 8:58 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Done my daily bank account checks. Hubby's CC has been updated for the month and the interest was 50p less than expected. Not a lot but it all helps

    Looking forward to next week for lots of reasons:

    CT arrears will be significantly lower and I'm so excited by that prospect!
    Half term so no school runs!!
    Taking my boys to the cinema for a long awaited trip to see Wreck it Ralph 2 - got to love Mini-mornings! Going to make them a 'goody bag' each to take as that will be a lot cheaper than buying sweets at the cinema. Thinking a bag of sweets, a chocolate bar, a bottle/carton on drink and a pack of crisps - maybe a 'saver menu special' from McDonalds for lunch if they're good. Should cost less than 20 for a trip to the flicks which isn't bad value really

    ****Just gone onto Tesco to update next week's basket with the goody bags. Have added:
    3 x Choc milkshake cartons - 1.25
    4 x Galaxy bars - 1
    4 x Fruit Pastilles - 1
    10 x Space Raiders - 1
    3 x Haribo bags - 1.20
    6 x 'Bunny Bite' crisps - 89p
    Altogether - 6.34 but there will be loads left over for the rest of the week and I'll let them pick their own contents to take from that little lot. I think that's not far off the costs of a small popcorn and a drink for 1 lol.

    Best go and get some housework done...I'm feeling so rubbish with conjunctivitis in both eyes and a cough/cold I've been generously given by DS2, but must crack on.
    Last edited by aimeemum; 22-02-2019 at 9:27 AM.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 22nd Feb 19, 11:55 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Accountability for today/this afternoon:

    DONE
    Upstairs bathrooms x 2
    Clear floors upstairs
    Put up bed out ready
    Washing x 1 load out to dry
    Beds all made
    Dishwasher loaded and surfaces wiped
    Swept and mopped kitchen floor
    Wiped all Kitchen cupboard fronts
    Steam cleaned the cooker hood
    Dining table cleared and wiped clean
    Folded and put away all dry laundry
    1 load of towels out to dry, other in the washer and will hang out once dry.

    TO DO:
    Last edited by aimeemum; 22-02-2019 at 4:19 PM.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 22nd Feb 19, 11:58 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Accountability for tomorrow (Saturday):

    DONE:
    Vacuum whole house
    Tidied and dusted living room
    Swept and sorted porch
    Cleaned downstairs toilet
    Eldest cleaned and vacuumed his room
    Downstairs windows cleaned
    1 load of washing out on the line to dry!
    Tidied front and back gardens - cut grass in the back.

    TO DO
    change sheets ready for houseguest - will probably do in the morning as eldest wants to sleep in his own bed tonight.
    Last edited by aimeemum; 23-02-2019 at 12:41 PM.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 23rd Feb 19, 12:48 PM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Well what a busy day. Hubby left for work at 11 and since then I've been non-stop. The boys have helped a lot so as a reward we're going to the park and going to do some 'slime science' using a kit they were given at Christmas. Now I've cleared my kitchen table I can actually have them doing crafts! We even managed to put a lot of washing out on the line to dry! Can you believe it's still February!

    In other money-related matters - the requested water bill arrived and the usage was lower than I was expecting it to be - 90 a quarter when I thought we were over 120. I've decided to meet them half way and put my new SO to 35 a month and then stick to my snowball to cover arrears. The good news is that the arrears will be gone faster if we're using less than I was anticipating. I was expecting to have my SO at 50 a month post arrears had all gone so 35 is a lot better

    I'm shattered and the conjunctivitis isn't shifting....on the plus side with the sun out the windows and doors are open and the house is nice and aired. Kids were even out on their bikes while I was gardening. Feels a lot better all around to have them active rather than stuck indoors all the time!

    MIL arrives tomorrow - for now I think it's time to chill out and enjoy the unseasonable warmth.
    Also forgot to mention that we were visited by a newt last night/this morning. Locking the door last night he was trying to get out under the door. I managed to get him safely outside and I thought that would be the last of it. This morning I went to unlock and joked that he may have come back.....and he had. He was again stuck trying to get out of the front door, so I picked him up and took him to the bottom of the back garden. There is lots of over-growth down there and a little beck too, so it's perfect newt territory. We have had frogs and toads in our garden before too....but I feel we need to 'newt-proof' our front door! lol
    Last edited by aimeemum; 23-02-2019 at 1:18 PM.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 26th Feb 19, 9:17 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Still loving the warmth. Just about to go and put some washing out on the line again....love it!

    Money wise it's not been too bad a week and seeing as today is the first of 3 big 'pay days' this week (CB, UC and then hubby's wages) I know I can get a big chunk sorted this month So exciting! For today though a lazy day at home and a quick trip to the Dr's this afternoon is what is in order. so far have only spent 15 this week on half term. Hoping to keep it below 50 total including a planned trip to the pictures....ambitious but worth a go!
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 27th Feb 19, 6:28 PM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Lovely day - NRM in the AM, supermarket for a lazy tea in the afternoon, McDonalds treat for lunch and then an afternoon spent treating the kids for nits! Oh I'm so rock'n'roll!

    Spent 90 today on nit-treatments, pizzas, various different bits I needed to stock up on, and fast food!

    Never mind....it needed doing and I have food in for the next 2-3 days so don't actually need to do my tesco order this week....although I may do it tomorrow for a Saturday delivery but just pare it down to reflect the 'it's only 4 days' ness of my week

    Paid my rent in full for next month, and tomorrow I'm hoping to to get a big chunk paid but not sure in what proportions so will sort that tomorrow morning once I have sorted the kids out - I've had the treatment on since 2.30, so will be having a shower at 10.30 to nit-comb my hair out!
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 28th Feb 19, 9:12 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Another 231 paid today - would have loved to pay a bit more but with yesterday's expenses it just wont work and would leave us too short to do everything we had planned etc. Still, all the rent is paid for March in full and on time for the first time in 6 months (I normally have to pay a chunk and then another later in the month which is a struggle....not this month )

    I also paid a big chunk off the CT like I said I would (253 to be exact) - the reason the payment is 231 is because the elec usage for this week *I don't pay elec or water on rent weeks* balances it out. Going to call them around the 14th to sort my CT bill out for next year.

    Only thing left outstanding is hubby's CC - I need to log on and see what his min payment is and I will pay that this week so that's done. I am slightly annoyed as our progress does seem to have slowed a bit - I blame half terms and things - but I hope that I can keep things frugal for the next couple of weeks to make up for it! EDIT: min payment is 22 due by the 11th.
    Last edited by aimeemum; 28-02-2019 at 10:58 AM.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 28th Feb 19, 9:16 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Update as of week 8 - end of Feb 2019. Opening Balance in RED, Current Balance in BLUE

    Hubby's Aqua CC - 650 - 228

    My CC Vanquis - 952 - 787

    CCJ (28/1/2016) - 580 - 434

    Council Tax (including Arrears) 2018-19 - 1300 - 463

    OVO Energy (Arrears) 1336 - 1,384

    Yorkshire Water (Arrears) - 220 - 210

    Total paid for February - 457
    Last edited by aimeemum; 28-02-2019 at 12:24 PM.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 28th Feb 19, 2:52 PM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Tesco order done to be delivered Saturday afternoon - 47. Had to be a bit 'dull' in the meal choices but we've had a lot of indulgence this week and I think it will be good for us to have veggie burgers and omelettes for a bit of a change of pace.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 1st Mar 19, 6:36 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Feeling a lot more positive today - it's March now and I know that I can do it!! Also the veggie curry I made last night from all my 'about to be thrown out' veg was excellent - so excellent hubby had seconds which is virtually unheard of when it comes to anything not involving meat! May have to add that to the rotation.

    Done my meal plan for the week and made sure I have everything and apart from running out of toilet roll this morning (I thought we had more in the cupboard but I was wrong) we're doing ok.

    Plan for today - more washing and put all the dry away (it's starting to pile up which is bad) and I need to give the house a bit of a spruce up, then I think a trip to the soft play after lunch. Nice free little wear-out time for the kids
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • abba1772
    • By abba1772 1st Mar 19, 7:20 AM
    • 6,051 Posts
    • 24,315 Thanks
    abba1772
    You've just reminded me we are down to our last roll need to get some today xx

    Hope you have a nice day xx
    NEXT TARGET ARGOS WAS July 19 92.98 NOW 32.56
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 13039.59
    POAMAYC 2019 6690.31
    • aimeemum
    • By aimeemum 1st Mar 19, 7:25 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    You've just reminded me we are down to our last roll need to get some today xx

    Hope you have a nice day xx
    Originally posted by abba1772
    Glad to have helped
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 2nd Mar 19, 6:44 AM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    2nd day of March and I'm feeling fine! Bank account isn't but there's 'enough' in there to see us through and that's all that's important.

    Today's plan - rest up a bit as feeling a bit rough this morning. I rang the Dr's to collect my test results to be told my TSH is 43 (should be below 2!) and that I urgently needed to pick up my prescription. I could have told you that without the test, as I had run out last week, rang in Monday to ask for this month's tablets and I was told that I couldn't have them as I needed a blood test. As I had run out completely, my test results were bound to show I was out of whack.....I'll be honest, wasn't expecting a result quite that high!....so now I have to wait until Monday (so have been without my meds for 11 days!) to pick up my new prescription and then a new blood test in 6 weeks. Thing is that about 3 weeks ago I was feeling really bad...I had a cold, then I had a few other niggly health things and I mentioned to hubby that I thought I was having a flare.....thing is the Dr's wont treat a flare, wont even test it, you just have to ride it out. So I did, but the flare side effects are forgetfulness and I forgot to check my repeat prescription until I had already run out and by that time it was too late! Catch 22. I've just taken the simple way out...taken the blame with the Dr, have booked another blood test for 6 weeks and will go from there. If it's still majorly out then, the Dr may actually take me seriously!!

    Anyway, Tesco order arriving today. Eldest is off to play at a friend's house for the morning so I'm down to 2. I may just sit myself in front of the TV for a while and enjoy the relative peace.
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
    • aimeemum
    • By aimeemum 2nd Mar 19, 2:30 PM
    • 371 Posts
    • 1,566 Thanks
    aimeemum
    Peace didn't last long. I think everyone woke up with their volume set to 11! Eldest was collected by his friend's mum and I immediately got the younger two dressed and we headed to the local soft-play to use our passes. One hour on there (barely anyone in there!) and they were shattered so we came home, eldest was dropped back and we had 'dippy eggs' for lunch as Tesco will be arriving after 4pm....only problem with flexi slots but for a Saturday it was very cheap lol.

    Kitchen is sorted and kids are playing on the ps3. We watched 'The Good Dinosaur' after lunch - I love that movie and it's the first time we've watched it on our big swanky TV we treated ourselves to for Xmas. Fabulous picture quality! I'm exhausted but I think I can make it to the end of the day - especially in the knowledge we have spicy bean burgers on the menu for tea....I LURVE them!!

    Rest of the week meals are:
    Saturday - Burgers/Bean Burgers for the grown ups
    Sunday - Sausage 'roast' dinner
    Monday - Fish, chips and mushy peas
    Tuesday - Jackets and Beans - Pancake day
    Wednesday - Burgers.....again!
    DFBX19 #148 - 11/7/2019 Week 27 - 2,604/4,782 54% gone (plus additional 2,440 paid off too!)
    1000 EF Challenge #288 - Making a slow start
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