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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 7:50 PM
    • 2,353Posts
    • 8,105Thanks
    Alice in Poorland
    We are about to pull the purse strings soooo tight!
    • #1
    • 6th Nov 11, 7:50 PM
    We are about to pull the purse strings soooo tight! 6th Nov 11 at 7:50 PM
    Hi All,

    Like a lot of people on here I have been lurking on this site as a watcher for a number of years and during this time I have also watched our finances spiral out of control. Today I have had my LBM and oh boy could I cry.

    I have just done our SOA (which I will post once I've got all the info present and correct). Without the morgage I think we owe approx 30K, we've run out of money this week and have still got to pay out 350 before Thursday (all direct debits), this shortfall has been caused by my OH changing to weekly pay and all the bills come out in the first week on the month (well partly, the other reason is just that we owe so much). Will ask the bank tomorrow for an extension to the overdraft.......I can hear the 'I don't think so' all ready.

    Everthing is such a mess, our finances have spiralled out of control, I'm such a mess (could do with a complete makeover and dramatic weight loss), I can't keep up with the housework, the garden, the kids, Oh and I work full time too.

    I am truly hoping that we can get back on the straight and narrow and sort out our money problems. Then I will hopefully feel that everything else that needs sorting easier to tackle.

    Apologies for rambling on, I'm just feeling very alone and like a complete failure at the moment.
Page 3
    • Chrisblue1962
    • By Chrisblue1962 16th Nov 11, 2:52 PM
    • 1,148 Posts
    • 1,831 Thanks
    Chrisblue1962
    Alice, you are doing great so don't beat yourself up over what you owe and to whom. The IMPORTANT thing is you are now taking control of the situation and making informed decisions about how much you spend and upon what it is spent.

    As they say "Rome was not built in a day" nor will you pay off your debts in one month either.

    So, gain strength from all the "Little Victories" you are achieving and you'll soon look back and realise that your debt is going down, bit by bit, month by month.

    Good Luck,,,and Keep Going!!!!
    DFW'er - Lightbulb moment : 31st July 2009 - 18,499
    26th December 2017 -
    14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


    • Alice in Poorland
    • By Alice in Poorland 16th Nov 11, 8:18 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Thank you Chrisblue 192 and syl484.

    You'd think I was going for an Oscar with my performance on the phone to the car finance people. LOL. I have arranged to make payment over the phone tomorrow(when OH gets paid) and will then set the DD back up to start again in December. Only 16 more payments to go!!!

    xx
    • Alice in Poorland
    • By Alice in Poorland 17th Nov 11, 7:41 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Well today........

    I have made a payment for car over the phone and started DD up again starting from next month.

    OH has sorted car insurance, went with Mr T because they gave the best quote and best price to pay monthly, plus get a few club card points.

    OH has had his CC company on the phone chasing this month payment, not sure what to do here. We could make a small payment and catch up next week. He said he'd call them back tomorrow while we ponder what to do.

    Paid 9 for school photo of our youngest son. This is his second photo and as we didn't have the first one because it wasn't a good one and this one was much better I just felt that we should have it (and because I wanted it too). I know, I know, I know 9 is a lot of money in our situation.

    On Ebay have got 29 watchers on one item but not one bid......yet!!

    xx
    • Alice in Poorland
    • By Alice in Poorland 19th Nov 11, 7:28 AM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Has a bad day yesterday and overspent. Not sure why I did it,but feeling the brunt this morning as have just has the loan people on the phone. Have managed to put them off until Wednesday, which won't be any better as I don't get paid until next Monday. Plus OH still has got to pay CC's.

    I keep saying once I get paid everything will start to get sorted. Why would it if i can't even sort out what little money we had this week???

    Have got another busy weekend, I'm out all day today with the boys swimming and football, so will have to catch up with housework later. Tomorrow should be a better day, but the knee is still very painful.

    On the plus side have been very good with regards to food this week so hopefully when i get on the scales tomorrow I will have a good result.

    I'm off to check my Ebay stuff now, fingers crossed.

    xx
    • BEAT THE DEBT
    • By BEAT THE DEBT 19th Nov 11, 10:13 AM
    • 2,167 Posts
    • 5,167 Thanks
    BEAT THE DEBT
    Hi there are some things as parents we have to spend money on and i think school photos is one of them life is to short to let the memories slip by xx
    • Alice in Poorland
    • By Alice in Poorland 20th Nov 11, 7:21 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Today I have had a NSD which is great.

    I really must look into putting all our dept details in my signature but for some unknown reason I struggle with this forum. I try to keep up with the diaries of the people who have very kindly posted on my diary but i can't keep track of them. I'll blame the laptop!!!

    Must get my lists in order. I desperately need to sort the list of Christmas presents I need to get and December and January is a very expensive month for Birthdays too. So far I have kept costs down, so I aim to carry on being careful. After all it's the thought that counts.

    And i am please to say I've lost another 2lb!!! 5lb in 2 weeks, possible due to the fact that i have been busy with sorting the house, ebay, detailing all our spending and the menu plan. Plus there isn't any 'goodies' in the house because there just isn't any money to buy any!!

    Hope everybody has had a good weekend, feeling positive I can get through this week with a few more NSD. xx
    • hillside777
    • By hillside777 20th Nov 11, 7:30 PM
    • 356 Posts
    • 2,661 Thanks
    hillside777
    You seem to be doing well with NSD's and weight loss.

    I know what you mean about December being expensive. We only try to buy presents for as few people as possible. The most expensive are always our children. We have two teenagers, and my son is always after the latest laptop or phone.

    Not a very easy money when you are trying to reduce your debt.

    I wish you well in your journey and will continue reading your posts.
    June 16 Mortgage Amount 82,896.15
    Official mortgage end date August 2027
    Current rate 2.59% until August 2020
    • Alice in Poorland
    • By Alice in Poorland 20th Nov 11, 8:16 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Thank you bonnington, I'm really trying hard with everything at the moment. I know what you mean about boys, one of my sons would like a scooter, they are about 80ish!!!

    Have made about 40ish on ebay tonight (after taking out postage) which I'm thinking I might use to buy presents. As that way I'm not spending any of my wages. xx
    • Itsadogslife
    • By Itsadogslife 20th Nov 11, 10:02 PM
    • 786 Posts
    • 2,294 Thanks
    Itsadogslife
    When I find a diary I really like, I subscribe and then when you are in the board, it marks all of your subscribed threads so you can just pick up the ones that you find most interesting. I also tend to follow people who are in a similar position as me - I find that it incentivises me to keep going and if I am going to be around for a while, its nice to have others who are in it for the same duration

    I also find seeing that figure in my signature definitely keeps me more on the straight and narrow. I sometimes feel a little conscious about posting on any of the other forums on here incase people judge me because of how much debt i have (not that I would be posting about what is the cheapest carribean cruise etc right now) but I spend most of my time on this board anyway.

    Yay to go on the weight loss, what have you been doing, calorie counting/ww/exercise?
    LBM Debt as of 01/05/11 - 39,483.84

    Debt free as of 24/07/13
    • hillside777
    • By hillside777 21st Nov 11, 6:57 PM
    • 356 Posts
    • 2,661 Thanks
    hillside777
    You made more money on ebay than I did.

    I think I made about 8 from the sale of two items. All the re-listed items were unsold, yet again.

    Keep up the food work!
    June 16 Mortgage Amount 82,896.15
    Official mortgage end date August 2027
    Current rate 2.59% until August 2020
    • Alice in Poorland
    • By Alice in Poorland 21st Nov 11, 8:42 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Itsadogslife - I must find out how to subscribe to diaries and do my signature. When I feel down or that things are just getting too much I find it helps when I read how other people are coping. The weigh loss is just coming from healthy eating and I think the menu planning helps too, plus watching the pennies means not buying food we really don't need.

    bonnington - I just hope everybody pays!!! I have got quite a lot of stuff to put on but I find it quite time consuming. But needs must ay!

    Didn't have a NSD as when I went to fetch my son from his part time job at the retail park I popped into sainsburys and got some bread rolls that were reduced. Which is better than spending the 40-50 I would of spent a few weeks ago on just rubbish.

    xx
  • snugglemunchkin
    Just to let you know I contacted CCS last year after finding it hard to survive and it was the best thing I have ever done as there was no other option for us.
    You sound like your doing really well though and may not need to go down that road but they are so friendly and helpful that its nothing to be scared off if its the last resort. It lifted such a lot off my shoulders and I find Im living again rather than worrying about where the money is coming from to pay all the bills.
    Although I am having a tight couple of months due to being on maternity leave until April.
    Keep up all the super saving!
    • Alice in Poorland
    • By Alice in Poorland 21st Nov 11, 9:35 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    snugglemunchkin - thank you for your post. Yeah we have talked about contacting CCS, at the moment we are just getting by but realistically I'm not sure if we will do it on our own. At the end of the day we have still got to live, and having 3 kids, running 2 cars, trying to pay all our dept off plus the everyday costs of running a house certainly push us to the limit.

    xx
    • Alice in Poorland
    • By Alice in Poorland 21st Nov 11, 9:41 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Go meee....go meee....go meee, I've just found out how to subscribe to threads. Now i can easily keep intouch with all the lovely people that have left some great advice and have been very supportive on my post.

    Can't belive I found it so difficult to sort out. LOL

    Anyway here's to another NSD tomorrow and some more dept busting.

    xx
    • Alice in Poorland
    • By Alice in Poorland 22nd Nov 11, 8:26 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Didn't have a NSD today as forgot about hairdresser coming round (not sure how!!).

    Bad day on the finance front, I forgot about bank charges going out of the account today and have gone over overdraft, can't wait until Thursday when my OH gets paid and I get paid on monday. (I know I keep going on about payday).

    Also have got the munchies today and have eaten everything I shouldn't, and lots of it too.

    Bring on tomorrow.

    xx
    • Itsadogslife
    • By Itsadogslife 22nd Nov 11, 9:00 PM
    • 786 Posts
    • 2,294 Thanks
    Itsadogslife
    Step away from the munchies......
    LBM Debt as of 01/05/11 - 39,483.84

    Debt free as of 24/07/13
    • Alice in Poorland
    • By Alice in Poorland 23rd Nov 11, 8:00 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    Didn't manage a NSD day today .

    We had to scrat around for some pennies for petrol tonight, I just didn't have enough in my car to last until tomorrow, managed to get together 8 so OK to get to work tomorrow.....yay!?!?!

    Feeling OKish tonight, I have had a look at other diarys tonight to give me a boost and keep me motivated.

    xx
    • Alice in Poorland
    • By Alice in Poorland 24th Nov 11, 12:12 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    OH got paid today (weekly pay), but it's more or less all gone. Had to pay one of the CC bills 160, both bank accounts overdrawn so down to about 36 and will need to pay one of the mobile phone bills tomorrrow. We've got enough petrol to last until Monday when I get paid, food sorted too so not all bad. LOL!!

    Going to have another ebay blitz this weekend, everybody paid and just got to post 2 parcels today then start all over again. I am going to use the money in paypal to buy some christmas presents (I know in an ideal world is should be to paying of our debt but....).

    xx
    • Alice in Poorland
    • By Alice in Poorland 25th Nov 11, 1:01 PM
    • 2,353 Posts
    • 8,105 Thanks
    Alice in Poorland
    I've been wondering how the people I work with manage to live within their means or are they in the same financial state as us. I am not going to our Christmas meal because that would mean spending 20 plus a new frock (heaven forbid I should wear the same thing twice!!). There is a person I work with who is always spending and everyday has a couple of parcels arrive, goes out at lunchtime and always comes back with a couple of new purchases, perhaps I'm a bit jealous and perhaps they are upto their eyeballs in dept too.

    When I look down our road at all the new cars I just can't help but wonder how do they manage??? Now when I see peoples shopping trolleys crammed full I think WOW that's at least 150 worth in there but then that used to be me 2 months ago, how bizarre.

    Not really feeling sorry for myself just having a little ponder on things............Oh well back to work, just got to get through this afternoon then it's the weekend...yay.x
  • wot-a-mess
    Hi Alice

    Personally I think the simple answer must be that most people have high debt levels. When "average" debt figures are published they are exactly that, i.e. average, but when you take out the poor people at the bottom of society who simply can't get any debt & the top layer of fat cats, my guess is that the "real average" family simply has high personal debts, excluding mortgages.

    You prompted me to do a bit of research...check out latest post on my diary if you want
    Last edited by wot-a-mess; 25-11-2011 at 2:16 PM.
    Pay off 14,000 in 2012 Challenge #21 (incl. mort.) 15,960/14,000
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