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  • FIRST POST
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 16th Dec 18, 2:29 PM
    • 265Posts
    • 1,421Thanks
    BlackCoffeeNoSugar
    Going, going...still going!
    • #1
    • 16th Dec 18, 2:29 PM
    Going, going...still going! 16th Dec 18 at 2:29 PM
    Hello! I've been lurking here for a while, and have learnt so much from you all, so I've taken the plunge to join in for my big push to get debt free. I've been on this treadmill for some time (couple of poor decisions, some bad luck and just plain ignorance) and now I'm in my early 30s, I really want to clear my plate, and build a future. It seems like every time I get to within sniffing distance, I jeopardise it with something impulsive, so I'm determined not to do that this time.

    My debt was 8619 in November 2017, which scared the life out of me! Since then, I've managed to clear nearly half of it, and luckily what is left is on 0% until Dec 2019. However, a recent job change means I have a bit less disposable income than I would like, so I need encouragement to keep squeezing my pennies where I can! I'll post my SOA in a moment - there's some bits I can target straight away, and I have plans to do some additional work in the new year, but I can always squeeze further! It's just me (and a cat ) to cater for, so we're happy to live on cheap and cheerful!

    Looking forward to digging in and getting this millstone gone!
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
Page 14
    • seahorsey
    • By seahorsey 4th May 19, 5:48 AM
    • 109 Posts
    • 319 Thanks
    seahorsey
    Love your plans for the weekend. Enjoy x
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 4th May 19, 10:37 AM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    Thank you Seahorsey, I've only just got up, I feel it's doing me good already

    I've been paid for the website testing site - so that's $10 (or 7.50 ish) for my first test. They're upfront with the screening and I've been screened out of quite a few tests, but I've even if I do one test a week, that will be an extra 30 a month, so I think it's worth it.

    Really do have to get on with some housework now - going to start by making some bread dough, so that can prove while I get on with other stuff. Now to move a pretending-to-be-asleep PD off my lap....
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • doingitanyway
    • By doingitanyway 4th May 19, 2:06 PM
    • 4,381 Posts
    • 26,827 Thanks
    doingitanyway
    Another one who thinks your weekend plans really hit the spot
    Target by end of Aug goal: 2000/4000
    Car costs savings: 500
    Xmas savings 50
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 5th May 19, 4:52 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    Plans haven't quite gone as I expected - but I have a couple of relatively relaxing days all the same, and have a couple of tasks lined up to tackle tomorrow. Today I've made an enormous list of things I need/want to achieve this year, from the minor (like defrosting the freezer) to the big ones (pay off this debt). Just need to work out how I'm going to balance it all

    Food spends today, as expected, but nothing else. Debating if I should treat myself to a bottle of wine, but think I'll stick with my fizzy water, the healthier and more frugal choice!
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 6th May 19, 2:21 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    Quick post: NSD today Decided against the wine yesterday, might have a glass at the weekend instead

    Having a bit of a think about work and career options - there's something afoot that might mean I have to consider this sooner rather than later in my current role, but I'm just going round in circles at the moment. Now the rain has lifted, I'm off for a walk up the nearest hill to clear my head. It would be a whole lot simpler if I were debt free....!
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • mary hinge
    • By mary hinge 6th May 19, 3:11 PM
    • 1,577 Posts
    • 7,417 Thanks
    mary hinge
    I sat and read your diary last night BCNS and you are smashing it with the debt busting!

    I'm sorry things are shaky underfoot and what every is a miss calms down or can be rectified shortly.

    The house of Hinge also has some Paw dippers, it's amazing how these furbabies can make a house a home! Ours are like the rest of the hinge household and quirky and stubborn makes for interesting negotiations

    Keep on keeping on!

    Ms H x
    Living in a superhero induced haze
    "You did good Kidda!"
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 6th May 19, 6:59 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    That's very nice of you Mrs H, and you're quite brave to read all my waffle all in one go, I'm a bit of a moaner!

    Having a PDer (or two!) is definitely to be recommended. Except when around beverages. Or yarn. Or pens. Or things lying on a table top that deserve to live on the floor... Interesting negotiations is a very polite way of putting it
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • mark88man
    • By mark88man 6th May 19, 10:09 PM
    • 3,899 Posts
    • 9,233 Thanks
    mark88man
    Quick post: NSD today Decided against the wine yesterday, might have a glass at the weekend instead

    Having a bit of a think about work and career options - there's something afoot that might mean I have to consider this sooner rather than later in my current role, but I'm just going round in circles at the moment. Now the rain has lifted, I'm off for a walk up the nearest hill to clear my head. It would be a whole lot simpler if I were debt free....!
    Originally posted by BlackCoffeeNoSugar
    Yes and no about the debt and its impact on work. very few people are able to leave work and live off resources until they have another job - although some are forced to through redundancy. in my experience the most common switch if from one job to another - which can be awkward but is something manager's both expect and should know how to deal with (although some make a real song and dance of it)

    you seem ambitious and under appreciated (which is not a great combination) so it is important not to linger too long if the promotion/raise is not getting nearer. However if your thoughts are to a lower paid but more rewarding job, then I think you are quite right to keep on for as long as you can stand as you are so nearly at your target
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    End 18: CC:8K@0% - Car Loan:11K@2.8% - Mort:133K@2.1% = 152K
    Decrease in Total Debt 2016:13.4K 2017:8.3K 2018:20K

    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 8th May 19, 7:23 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    Thank you for the advice Mark - lots to think about, it's blipping away on the back burner for now.

    NSD yesterday and minimal spend one today - I treated myself to a nice coffee after work. It's been such a cold and dreich day, I felt it was deserved! I've also make a teeny 3 payment to my CC, just to feel like I'm making progress before my main CC payment goes out later in the month.

    When I got home I was met at the door by a very indignant PD, who did not appreciate me leaving a window open this morning in her favourite snoozing spot (amongst many...) so I've popped the heating on for a bit to warm us both up Not very MSE, but the heating has been off for a few weeks now, so I don't feel too guilty. PD is draped across me at the moment and snuffling into my shoulder, so I think it is appreciated

    Bath and an early night tonight - I'm feeling a bit rundown, so some quiet time should help.
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 9th May 19, 8:12 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    Quick post tonight.

    Today was a low spend day - it wasn't planned but it is what it is, and is in budget. I need to do a bigger 'pantry' online shop soon as I keep running out of odd things. Need to get my act together and do a proper list of what I need. It has to be online, as it's not fun trying to battle home on the bus with lots of cans and bulky items!
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • findingthisdifficult
    • By findingthisdifficult 10th May 19, 6:34 PM
    • 155 Posts
    • 533 Thanks
    findingthisdifficult
    How are you feeling now BlackCoffee?
    I think I need to do a reccy of the kitchen cupboards and fridge/freezer, I keep running out of odd things too.

    Hope you have a lovely weekend!
    Wobbling my way out of debt one month at a time.

    Credit Card starting balance 2467 2151.64 1750 1600 1400 current balance 1220 0% until June
    Original Loan amount 23,179 11,89711,385 10,868 current balance 10,353
    19 payments left to go
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 10th May 19, 9:26 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    Oh thank you FTD, I'm still feeling a bit wiped out, but hoping some sleep this weekend will help solve it.

    I haven't taken any work home this weekend, and very happy to have a clean break for two days Doing some volunteering on Sunday (local clean-up) with some newbies, and meeting a friend for coffee but that's about it. PD will get some attention at some point too

    Did some food shopping today, but that should be me to Tues/Wednesday now, so will be minor spends (<5) until then.
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • findingthisdifficult
    • By findingthisdifficult 11th May 19, 8:45 AM
    • 155 Posts
    • 533 Thanks
    findingthisdifficult
    Good sleep and rest are key to recovery, enjoy your work free weekend!
    Wobbling my way out of debt one month at a time.

    Credit Card starting balance 2467 2151.64 1750 1600 1400 current balance 1220 0% until June
    Original Loan amount 23,179 11,89711,385 10,868 current balance 10,353
    19 payments left to go
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 11th May 19, 10:04 AM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    PD obviously didn't get the memo and woke me up at 7am by sitting on my head

    I've spent the morning so far untangling some yarn (really satisfying, almost like meditating ) and need to do a bit of housework, but another coffee first, I think
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • joeyjimbles
    • By joeyjimbles 11th May 19, 2:14 PM
    • 1,820 Posts
    • 9,999 Thanks
    joeyjimbles
    And are you feeling better?
    I hope so, can't help thinking that this endlessly cold and drab weather is making people a bit unwell - can't wait for a few days of sunshine personally.
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 12th May 19, 9:44 AM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    I wasn't feeling much better yesterday joey, but I slept for 11 hours last night - proper sleep-of-the-dead sleep, and feeling the benefit of it this morning I'm going to make more of an effort with my diet over the next few weeks (the 5 a day has been more like 2-3 ) and if I'm still not right, I'll try to get to see my GP. It's a gorgeous day here, so some fresh air later on will help. I think you're right about the weather - a blue sky is far more cheering than a grey one!

    NSD yesterday, and should be <2 today as I'm meeting friend for coffee. Only drinking black coffee has it's advantages (cheap!) and I never buy any cakes or muffins etc, so I'm confident with that.
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 12th May 19, 7:51 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    It has indeed been a gorgeous day - wall to wall blue skies

    Judged my spends well, and was indeed under 2 for my (decaf) coffee. Friend had lots of news so I didn't have to contribute much to the conversation All nice things for them, but has made me feel a little empty this evening. I think one-sided conversations can have that effect.

    Since I've been home, I've had two surveys on PA, so I've cashed out the grand sum of 5.50. I'm tempted to stick that to my CC, but this month and next month are tight months, so I'm not quite sure where best to allocate it. I'll probably stash it in my EFund for the time being.

    Off to have a bath and do some crochet - I was making good progress on a project, but then realised I made a massive error and then had to frog it back to the start . It's much nicer now
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 13th May 19, 7:59 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    NSD today

    Not much else to add - don't have a huge amount in my grocery budget for this month, so think it will be some freezer diving and lentils My banking app isn't being very helpful either - it's missing a transaction that was previously showing, so looks like I have 13 more than I actually do. It's a bit strange, but as my YNAB is up to date, I will trust in that and hope the transaction resolves itself soon.

    I've already watched GoT this evening (don't worry, no spoilers!) so I'm going to do a bit more crochet and get an early night. This will make me sound very sad, but I have a set of linen bed sheets that I adore - they are amongst my favourite things, and I sleep so well in them. They're on my bed now, and I can almost hear them calling to me.... (PD is already asleep on the bed, today has obviously been hard work!)
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
    • joeyjimbles
    • By joeyjimbles 14th May 19, 11:21 AM
    • 1,820 Posts
    • 9,999 Thanks
    joeyjimbles
    Love that you have special bedlinen and it makes you happy - perhaps when the debt is gone you could save up for another set and have more blissful nights - something to aim for.
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 14th May 19, 7:53 PM
    • 265 Posts
    • 1,421 Thanks
    BlackCoffeeNoSugar
    That's definitely something I will saving up for, Joey! The site I bought them from often have half-price sales, so I'll start looking next year. Even at 50% off, they were an indulgent purchase

    Got my PA payout today, and have put the 5 to my CC. I'll also get about the same from the user testing site in about a week. Annoyingly, I was half-way through a test this evening on my phone, and my phone was insistently ringing, so in the end the test timed out and I had to leave it uncompleted. Bit frustrating, as the tests are worth approx 5-7 each (and it's enjoyable), so it would have been good to get another one under my belt. Phone call wasn't even particularly worth it, but I didn't feel I could tell the caller that There will be more to come, just have to be patient, I suppose!

    My money-saving discovery of the week - decanting washing up liquid from a plastic squeezy bottle into a pump bottle (I have a glass one that was 80p in lkea) is a revelation. Two pumps of the bottle uses far less than a 'squeeze' of the plastic bottle, so it's going much further than it used to. I used to consider myself fairly thrifty with it, but obviously not the case!
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 2,510 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 1,651.28 / 4,161
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