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    • Moguline
    • By Moguline 1st Jun 18, 1:04 PM
    • 426Posts
    • 1,194Thanks
    From debt mess to mortgage success in 5 years (hopefully!)
    • #1
    • 1st Jun 18, 1:04 PM
    From debt mess to mortgage success in 5 years (hopefully!) 1st Jun 18 at 1:04 PM
    Hi everyone,

    I've been lurking for a while and thought I'd start my own DFD to keep myself accountable.

    I'm 34, my husband is 35. We have a nearly 4-yr old son. We live in a rented house and have zero savings, and quite a lot of debt. It was years of me overspending obliviously (I blame my upbringing, my parents have always spent every single penny they've earned and I just sort of thought it was normal to always be skint). I started by getting a credit card, then shifting that to a 0% balance transfer card, then kept spending on the old card. Rinse and repeat for years and years. It just plodded along with me making minimum payments. Then, at the end of last year, all my 0% balance transfer windows ran out at the same time, and I wasn't eligible for any more 0% transfer cards. That's when I woke up and started looking into what I can do about it. I had resigned myself to the fact that I'll never have a mortgage and will be poor in retirement. I started looking around the internet for advice on how to handle debt, thinking I may be able to slowly reduce it a bit, and found an article called "News Flash: Your Debt is an Emergency!!" by Mr Money Mustache.

    It was a real reality check for me, but also gave me hope that even on a modest income, I could make massive changes to my lifestyle and thus become "well off".

    I owned up to my husband, who was unaware of the extent of my debt, and started properly reviewing our finances and budgeting.

    I started in January with a grand total of 23786 in unsecured debt. We have already been able to pay off quite a bit. I have consolidated my overdraft and most of my credit card debt into two loans. The interest rate on those is still quite high, as my credit rating is not amazing, but it's less than half the interest to what it was before, so it's a start. I also like the predictability of loan payments.

    Anyway, our goals are now:
    - Debt-free by end of 2019
    - Save a deposit and buy house by 2022
    - Mortgage-free by 2030
    - Retire before 60 (2044)

    Once the debt is cleared, we are planning on using our new-found frugality to learn how to live within 50% of our income, giving us leverage to save up a decent deposit quickly, then subsequently overpaying on our mortgage, then aggressively saving and investing with a view to early retirement. (we also have private pensions through our jobs which are both pretty decent and can be paid out from age 55).

    SOA and all other info in first comment below.

    Any criticism/advice gratefully received!
    Last edited by Moguline; 04-06-2018 at 8:22 PM. Reason: Moved SOA etc into first comment in thread so that the initial post isn't quite so long!
Page 15
    • Moguline
    • By Moguline 21st Aug 18, 9:57 AM
    • 426 Posts
    • 1,194 Thanks
    Right, it's been a while since I updated this properly - been a hectic week!

    We had a lovely time for mine and Spud's birthdays - went for a lovely meal, went swimming, had a great picnic in the park party. My mum paid for a lot of it, so came out fairly unscathed financially.

    However, Spud got chickenpox literally half an hour before his birthday party which majorly sucked. We told our friends but pretty much all their kids have already had it, so they all came anyway. Spud was fine on the day, but really took a turn for the worse that night and is now completely covered in them, poor lamb. The GP said it's the most "impressive" case he's seen in well over a decade.
    So neither of us have really slept since Saturday and OH and I are taking turns staying at home to avoid cabin fever! I've also spent a fortune on a wagon load of antihistamines, lotions, painkillers etc. Hoping that he'll turn a corner soon, hate seeing him this upset and not being able to help him!

    To top things off, I got stuck in the lift at work yesterday for about 20 minutes and then had to climb out ungracefully while all my concerned co-workers looked on. The ridiculousness that is my life continues haha!

    Financially, things are ok. I'm waiting on some birthday money from my dad to come through into my account, should be in today or tomorrow. Half of it will go towards replacing funds in my depleted savings account, the other half will go into a Junior Cash ISA for Spud which I set up for him yesterday. He got so many presents, he doesn't need anything else right now. It feels good finally starting to set up something for his financial future. This ISA is one that we can't touch until he's 18, and I'm planning on sticking any birthday/Christmas money he gets into it for him.

    I'll also set up a regular saver for him soon as the interest rate there is so much better! I'll start with a token tenner a month for now - will still add up to around 3,000 by the time he's 18, so not to be sniffed at! I'll increase contributions once we're a bit more financially stable.

    My 75 amazon voucher from my life insurance policy has come through now which is great. Together with vouchers from survey sites, I now have 79 sitting in there. I'm planning to use this towards birthday presents over the next couple of months, as well as for Christmas. It's nice to know there's a little wedge in there.

    I get paid on Friday and I still have 30 in my account and 45 in my pocket, with nothing else to come out other than a little top up shop (and Slimming World tonight), so I'm pleased with that. I've also put a couple of quid in my sealed pot for Christmas last week.

    I've amended my childcare vouchers too so from September onwards, I'll only take out 100 a month instead of the full 243. OH has decreased to 50/ This will increase our net salaries a little bit which is welcome. It'll also more than cover Spud's after school club - with some money spare to go towards holiday childcare when needed.

    I'm feeling like we're taking more and more steps towards being more financially responsible - progress might be slow, but it's constant, and that's great.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • Gemsy81
    • By Gemsy81 21st Aug 18, 3:47 PM
    • 182 Posts
    • 593 Thanks
    Hi Gemsy, thanks for checking in and congratulations on your pregnancy!! That's so exciting!
    Yeah, I definitely need a couple of fillings, but I'm not in pain or anything so it's not super urgent right now.
    Originally posted by Moguline
    Thank you so much moguline! I have a filling that I'm booked in for later this year now, so looking forward (if that's the right way to describe the dentist) to that freebie!

    Hope your LO is feeling better!
    • mark88man
    • By mark88man 21st Aug 18, 10:27 PM
    • 3,836 Posts
    • 8,903 Thanks
    My OH swore by porridge oats for chicken pox. something like you soak them in a stocking or pop up sock, and then use the juice to soothe the pox

    seemed to work a treat and medical opinion may vary!!
    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

    • Moguline
    • By Moguline 22nd Aug 18, 9:36 AM
    • 426 Posts
    • 1,194 Thanks
    Thanks mark88man, we've tried bathing him in it, but seeing his body covered in spots just made him freak out so baths were all but 2 minutes long haha. Dabbing of any kind was also traumatic. Thankfully, he seems to have turned a corner now - all his blisters have scabbed over so it looks worse, but feels a bit better.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • Moguline
    • By Moguline 22nd Aug 18, 4:10 PM
    • 426 Posts
    • 1,194 Thanks
    Had a sit down with the husband today and worked out our new budget with lower childcare costs etc. We've decided we'll do a budget every month now and then decide how much he gives me on a monthly basis based on that.

    Priority for now is paying for my citizenship, then his loan, then mine. Feels good being organised adults!

    We also looked at the Christmas budget so we can start planning for that. We think 550 should cover everything from work secret Santa to presents to parties and extra groceries. Although OH thinks 100 in presents isn't enough for Spud - I think it's a lot! But that's the difference of me being from a communist country and him having had 250 worth of presents every year in his childhood haha.
    I've now got 81 worth of Amazon vouchers to help with this, and hopefully the sealed pot will help with the extra Christmas groceries. I've put around 5 in change in there again today.

    I now have 5 in change left, as well as 25 in my account, and get paid on Friday. Going to Aldi later to do a little food shop as have run out of all fruit and veg it seems!
    Last edited by Moguline; 22-08-2018 at 4:19 PM.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • DancingUnicorn
    • By DancingUnicorn 22nd Aug 18, 5:11 PM
    • 174 Posts
    • 646 Thanks
    Hi, if your LO is still into running have you looked if there is a junior parkrun near you? I do the adult one but I hear the kids one is great. It's free, a good chance to socialise and burn some energy.
    Sounds like you're doing great on your debt-busting - keep going!
    LBM: October 2016: 20,130 / Current: October 2018: 15,037 25.03%
    DFD: February 2024 April 2022
    SPC#577 (2017: 60.58)
    • Moguline
    • By Moguline 25th Aug 18, 7:44 AM
    • 426 Posts
    • 1,194 Thanks
    Thanks Dancing unicorn. Our nearest kids park run is half an hour away by car sadly (and we don't have a car, so more like an hour on public transport), but something to consider in the future if he keeps bring interested in running.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • Gemsy81
    • By Gemsy81 30th Aug 18, 7:17 PM
    • 182 Posts
    • 593 Thanks
    I'm with you on the presents Moguline! My OH would spend loads, but I actually think its far more important they learn the value of money and 'things' rather than get showered with presents. I don't know about you, but I find at this age they get so many presents from everyone else, they already have loads!
    • Moguline
    • By Moguline 9th Nov 18, 10:55 AM
    • 426 Posts
    • 1,194 Thanks
    Hello MSEers. It’s been a long time! Time to come clean and move on haha.

    I’m still here, just plodding along. We’ve had a bit of time off with the hardcore debt repayments and only repaid the minimum loan payments these last couple of months.

    We’ve been really bad for having takeaways and lunches out, buying “treats”, etc. I think the problem is that we tied our belts a bit too tightly and ended up splurging.

    We have decided to up our grocery budget quite a bit. We can cope on 200 a month that we had before, but we want to focus more on fresh and organic food for health reasons. So now we get an organic veg box from a local farm (which is really good value) for 20 a week, plus have an additional 250 in our grocery budget for other groceries. This allows me to get fancy things we want like avocados, nut butters, medjool dates, etc. I’ve stocked the store cupboard with heaps of organic grains, pulses, nuts, etc. so hoping to get back into meal planning and trying to work the budget backwards from there where possible.

    Our debt total is now 22,079.76. It seems high, but that’s because all the interest in my Tesco loan is included from the start. That’s why I’ve removed the original total from my signature as it’s a bit meaningless now. We have, however, paid off a total of 4854.54 this year so far which is not to be sniffed at!

    In other good news, my Experian credit rating is now up to 975/Excellent! I never thought I’d see the day haha. I started with 620/Poor in February, so this a huge improvement, and is promising for when we eventually apply for a mortgage. I’m enjoying the peace of mind of just having loans and not having to keep up with credit card payments, etc.

    Saying that, I have actually paid something with the credit card today. I needed root canal treatment and a crown (ugh) and had to pay out around 380 (as I didn’t want a cheaper metal crown). I do have dental insurance through work though and will get 80% of it back, which I’ll pay straight off it as soon as I get the cheque. Then I’ll pay the remaining balance off at payday.

    I haven’t made much progress on the citizenship front as we’ve been oohing and ahing about whether to do it or not. We have decided to go for it now though. We’re getting 1,000 off my husband’s grandparents next month from an investment of theirs, and we’re going to use it for a couple of things we need (like winter boots), and then split the rest between overpayment on the husband’s loan and the citizenship fund.

    I also got around 1250 in Christmas bonus last year, so hoping for a repeat this year – that would pretty much cover all of the citizenship costs!

    Spud started school in September and it’s going really well. It’s a lovely school and they do lots of extra bits like yoga, healthy cookery, bike lessons etc. He really is enjoying it. We also save quite a bit of money now that we only have to pay 6 a day for after school club – goodbye nursery fees!

    What else is new? We just switched broadband to Vodafone as our original cheap Plusnet deal had finished. We now pay less and get double the speed – yay! I should also get a 75 amazon voucher for signing up – hopefully that’ll come through before Christmas, that would be useful.

    Spud wants a learning laptop for Christmas which is only 25 new, so that’s a cheap “main present” sorted.  We’ll get him some books and other bits and bobs as well, but it shouldn’t be more than the budgeted 100 hopefully.

    I’ve stopped going to Slimming World as the low fat thing wasn’t working for me on a vegan diet (no free foods like eggs, etc. meant I was getting no fat at all) – I started getting hair loss and some hormonal problems. I’ve been having lots of healthy fats these last couple of months and everything is improving greatly, although I have gained a couple of pounds. We do want to start trying for a baby this month though, so weight loss is not a priority to me right now – I’d rather focus on overall nutrition.

    Hopefully we can shave some more off our debt before this next baby, but we should be ok financially. We wouldn’t need to buy much in preparation as we still have all of Spud’s old stuff, and I qualify for the 75% maternity pay now.

    I’ll do a full revised SOA soon, but I’ve already done my budgets up to February and things are looking ok. If I can get back into making overpayments that would be great!

    Sorry for the huge essay, just wanted to get it all down so I can move on with normal updates again – hoping to post regularly again to hold myself accountable and be less spendy!

    We do have some scheduled spendiness tonight though – going for a meal for our 5th wedding anniversary – but I think that’s allowed.

    So, all in all, things are ticking over, could be better, but could be a lot worse and although we have been more spendy, we've not gone back to our proper old "bad" ways at all. Everything is within our means, just want to concentrate on utilising our money better again.

    Have a lovely weekend all!
    Last edited by Moguline; 09-11-2018 at 10:58 AM.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • Moguline
    • By Moguline 9th Nov 18, 11:03 AM
    • 426 Posts
    • 1,194 Thanks
    Oh, we've also shifted our DFD to end of 2020 - it's not realistic to reduce it by over 20k in a year haha. Have updated signature to reflect that.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • beanielou
    • By beanielou 9th Nov 18, 7:40 PM
    • 62,688 Posts
    • 272,139 Thanks
    Good to hear from you
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • mark88man
    • By mark88man 9th Nov 18, 8:28 PM
    • 3,836 Posts
    • 8,903 Thanks
    indeed - I've upped fresh fruit and fibre in my diet - very nice - but not cheap
    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

    • Moguline
    • By Moguline 16th Jan 19, 2:26 PM
    • 426 Posts
    • 1,194 Thanks
    Hello MSE world, it's been a long time! I hope everyone had a great Christmas, although it feels a long time ago already.

    It's a new year and I'm back with my tail between my legs. I've been bad!
    I have had a really crappy past couple of months and the subsequent depression has led me back to my old spendy ways.

    I had an abscess on my tonsils at the beginning of December which was absolutely horrendous. The only thing I could take was paracetamol as I had just found out I was pregnant, so it was pure torture for nearly 2 weeks. I then lost the pregnancy the day before Christmas Eve which was obviously also horrendous, both physically and mentally (the abscess won't have helped matters I imagine!).
    Just as I started feeling better, I then slipped off a step in my yard the day after New year's and sprained my ankle something rotten - was on crutches for a week and am still in pain now! I've also had to get taxis and buses everywhere which is obviously expensive. It also meant I couldn't walk to Aldi and we've been getting expensive online deliveries instead (although husband managed to go to Aldi a couple of times at least).
    All in all - a really horrible couple of months with far too much time spent stuck on the sofa staring at my phone, buying all manner of things to "cheer myself up".

    In 2017, I got a Christmas gift/bonus of 1350 in total from my company. I stupidly assumed it would be around the same amount and went and spent money on my credit card for a (cheap caravan) holiday, clothes for Spud, presents, a new mattress, drama lessons for Spud, meals out, takeaways etc, thinking I'll just pay it off when the money comes in. Well, it turns out our company made a loss this year, so I only got 150. I now have a 1200 balance on my credit card.
    Just another lesson not to spend what you don't have. I could kick myself. December is such a hard month for me - it always leads to excessive spendiness - even more so this year with all the crap going on!

    I have faced the facts though and started remedying the situation.
    I set up a new balance transfer credit card and have transferred the balance over to there (with no fee) so at least I won't be paying any interest on it. Once the balance has cleared, I will close my existing Barclaycard altogether.
    This new card has a few advantages too:
    - it's with the same bank as my current account, so I'll see it in my normal online banking (harder to ignore the balance!!)
    - New card only has 1500 credit limit (less temptation than the 5000 limit on Barclaycard)
    - I won't even look at the PIN when the card arrives, and won't register the card in any of my online accounts, that way I won't be able to spend on the card easily.

    I feel back in control now and ready to tackle 2019! I'll do a roundup of 2018 in a separate post below. Onwards and upwards!
    Last edited by Moguline; 16-01-2019 at 2:56 PM.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • Moguline
    • By Moguline 16th Jan 19, 2:34 PM
    • 426 Posts
    • 1,194 Thanks
    I have a lot of stuff to post to bring myself up to date so I'll do it in list form below.

    Good stuff that happened in 2018

    - Some good news since I last posted is that I received a 1k payrise in December which results in me having around 60 more a month from now on

    - We reduced our overall debt by over 4400 - I'm really happy with that considering we were still paying 500 a month childcare until September, and had really high interest rates on some debts at the start of the year

    - We no longer have overdrafts or multiple credit cards!

    - I may be able to start doing some regular freelance translation work on the side

    2019 Goals (in this order)

    - Pay off credit card by beginning of April
    - Gather 1000 in emergency fund by end of year
    - Pay off husband's loan by end of year - this will free up an extra 300 to put towards my loan overpayment from then on
    - Save up for Christmas in advance
    - (my loan will also reduce by 3584 over the year anyway from my regular payments)
    - overall, I'd like to aim to pay off 9000 this year. I think it's achievable.

    January state of affairs

    - I have enough money in my account to cover remaining bills, but no more, so am living off credit card at the moment (payday is next Friday though thankfully)

    - plan is to limit spends as much as possible for the rest of the month and sell a few things to start chipping away at credit card - I've already sent a parcel for 20 worth of stuff to Ziffit

    - I need to buy a new PE kit for Spud, and the dog needs a dental (200 eek!) - these will have to go on credit as well - ugh!!

    But at least I have a plan haha!
    Last edited by Moguline; 16-01-2019 at 2:49 PM.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • Moguline
    • By Moguline 16th Jan 19, 2:38 PM
    • 426 Posts
    • 1,194 Thanks
    New SOA for 2019
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 1
    Number of cars owned.................... 0

    Monthly Income Details

    Monthly income after tax................ 1908
    Partners monthly income after tax....... 550
    Benefits................................ 82
    Total monthly income.................... 2540

    Monthly Expense Details

    Rent.................................... 750
    Council tax............................. 120
    Gas+electricity............................. 133
    Water rates............................. 46
    Mobile phone............................ 35
    TV Licence.............................. 12.5
    Netflix...................... 10
    Internet Services....................... 21
    Groceries etc. ......................... 300
    Clothing................................ 20
    Bus............................ 50
    Pet insurance/dog food/vet................. 75
    Contents insurance...................... 6
    Life assurance ......................... 20
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 10
    Entertainment........................... 100
    Total monthly expenses.................. 1758.5

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Tesco loan.....................17022.4...299.......0
    Credit card....................1200......0.........0
    Husband loan...................4016......0.........8.9
    Total unsecured debts..........22238.4...299.......-

    Monthly Budget Summary

    Total monthly income.................... 2,540
    Expenses (including HP & secured debts). 1,758.5
    Available for debt repayments........... 781.5
    Monthly UNsecured debt repayments....... 299
    Amount left after debt repayments....... 482.5

    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -22,238.4
    Net Assets.............................. -22,238.4

    A couple of notes on this:

    - we do pay around 60 a month in childcare, but this comes out of childcare vouchers which are deducted before I receive my net pay, which is why I don't list this here

    - I've put the interest for my Tesco loan as 0%. It's actually 8.4%, but the 17k already includes all interest payable, so the balance will never go up

    - Husband earns more than 550, but we have separate accounts and all the bills come out of my account - this SOA is of my own account really

    - I've put husband's loan payment as 0 because he pays that from his account - he pays off 330 every month which is an overpayment of 50 every month.

    - I haven't put in a budget for holidays and things like that - I'll do that further down the line once we're back on our feet a bit more.
    Last edited by Moguline; 16-01-2019 at 2:53 PM.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • Moguline
    • By Moguline 16th Jan 19, 4:37 PM
    • 426 Posts
    • 1,194 Thanks
    I forgot to say a close friend of ours died unexpectedly on the same day I lost the pregnancy. We had the funeral last week and it was just so sad. Obviously added to the feelings of depression too, but also a stark reminder that we aren't here forever and the time to live the life we want is now.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
    • mark88man
    • By mark88man 16th Jan 19, 5:12 PM
    • 3,836 Posts
    • 8,903 Thanks
    That really is a rollercoaster few months - be gentle with yourself as well as giving yourself a bit of a talking to.. three steps forward and 2 steps back is still progress. and just think of the day when its all 3 steps forward
    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

    • GlendaSugarbean
    • By GlendaSugarbean 16th Jan 19, 5:20 PM
    • 526 Posts
    • 3,993 Thanks
    I'm so sorry for your loss Moguline. Sounds you have a grasp on things - be kind to yourself x
    • Moneywhizz
    • By Moneywhizz 16th Jan 19, 5:33 PM
    • 184 Posts
    • 873 Thanks
    Sorry to hear about the miscarriage and the loss of your friend. It sounds like you have had a really difficult time and budgeting can easily be overlooked at times like this. It seems like you have a good plan in place going forward which will hopefully see you debt free within two years.

    Looking at your Soa it seems that your husband isn't contributing his fair share. This may be because he earns much less but even though he is paying his loan, you seem to be subsidising him by a fair amount. Everyone handles their finances differently and you may already be aware of this and have worked out the best way for both of you. Just something that stood out to me. Other than that it looks as if you have a good budget worked out.
    • Moguline
    • By Moguline 16th Jan 19, 5:49 PM
    • 426 Posts
    • 1,194 Thanks
    Thanks very much all for your kind words.

    Moneywhizz - you're right, he does earn a lot less. He also has some other things to cover, like 100 a month for his band practice room, his lunches and transport costs, etc.
    We did work it all out on a big spreadsheet so that we both contribute the same percentage of our wages to regular bills.
    He uses his leftover money how he pleases and I use mine to pay off debt, but I am responsible for a lot of our debt which he at that point was oblivious to, so I'm ok with it.
    The loan he has was taken out to pay off his overdraft and a fair chunk of the debt that was in my name, so he's doing his bit there by taking on debt in his name.
    He does often give me money during the month as well when he has it.
    He also often pays for any kind of treats we have or activities we do.
    He's been getting more into a mindset of overpaying the loan with spare money rather than spending it, but it's all a work in progress.
    Last edited by Moguline; 17-01-2019 at 9:29 AM.
    Current debt (01/04/2019): 21,145 Total reduction so far: -5,292 (20.0% paid) DFD of my dreams: 31/12/2020
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