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  • FIRST POST
    • Mummy_bear
    • By Mummy_bear 4th Jun 17, 9:02 AM
    • 319Posts
    • 1,130Thanks
    Mummy_bear
    On a Mission
    • #1
    • 4th Jun 17, 9:02 AM
    On a Mission 4th Jun 17 at 9:02 AM
    So this is me holding myself accountable, publicly, albeit anonymously, for my spending.


    To be fair I'm not so bad, sort of, ish.


    DH on the other hand has issues!!


    Why am I doing a Diary? Well it all came to a head when DH spent his entire wage (1500) within a week of being paid. Of course a portion of this went to bills etc. But equally a lot was wasted on games for his playstation.


    It's frustrating because between us we bring in over 3k a month and literally have nothing at the end of it. I'm sick of it.


    So I've took on this challenge. I will do my utmost to rein DH in and fully intend to get us out of this debt.


    My intention is to tackle the different debt one at time.


    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


    I'm going to list our current debt.... GULP


    Outstanding on Mortgage - 84451
    Credit Card 1 - 2803.37 - interest free for 2 yrs
    Credit Card 2 - 1490 - interest free for 2 yrs
    Hitachi finance (for new Boiler) 3093 (includes interest)
    Littlewoods 518 (includes interest)
    Next 444
    Newlook (DH has no idea about this eeek) 130
    Loan 1 - 10865
    Loan 2 - 5964
    My overdraft currently stands at 150
    Dh's overdraft 700


    DH got a loan out last October - not sure what is outstanding on that so I'll have to update on that later.
    I do know that it's 155.12 a month payment.


    DH also has finance on a bicycle - again I need to get the outstanding on that
    Finance for a new TV - he got this against my advice - total amount was 899 - obtained earlier this yr - need the outstanding


    AND - he's recently took up a hobby that's resulted in the purchase, finance, for some items - again need to total figure on that one.


    See - he likes to buy things


    Without knowing DH's total outstanding I've totted up known figures.
    So including the mortgage we owe at least 110,608.37





    I also have a student loan that's 150 out of my wage every month. I believe I'm due my yearly statement this month so I can see what is outstanding hopefully. With 2 lots of Mat leave in the last 5 years it's taken longer to pay off. I'm hoping that I'm nearing the end though as that would be a huge help once gone.


    I do have some good habits!


    I overpay on our Mortgage. I think it's a monthly overpayment of around 120. I'll have to double check. Been doing that for years although previously the overpayments were more I the region of 75.


    I think initially I will concentrate efforts on overpaying the Hitachi finance and the Littlewoods account. Luckily with the Littlewoods account that is a buy now pay later (expires Jan) and I'm well on course to pay that off in time.


    With the Hitachi finance I currently pay just under 72 a month. I was the shittiest deal ever. However, it was Dec 2012. Our ancient boiler died. I was on mat leave. We needed a new boiler and in desperation took up the worst ever deal from British Gas. Ugh - shameful. I then just let it run it's course. I don't have figures at hand but I believe it was an 8 year deal and a disgusting interest rate.
    I logged into the account yesterday and found that it ends in Dec 2020. If I make just 18 a month overpayment it could end in Jan 2020!! I'm unbelievable peeved at myself for not concentrating on getting rid of this sooner. So that is my main goal!


    I aim to update at least once a week.


    By for now
    Last edited by Mummy_bear; 04-06-2017 at 9:05 AM.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
Page 9
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 7:25 AM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    Love reading your diary mummy bear :-) I have money ok my next account and an overdraft etc and I like the way you pay little amounts to it. I look forward to reading your diary and have subscribed. Hope the wee one is feeling better. Xx
    Originally posted by Rachel24
    Thanks for stopping by and subscribing Rachel.

    I have to give credit to another DFW diary writer Misstara for the little payments thing. I read her diary and really saw the benefit and impact that these little payments make.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • Rachel24
    • By Rachel24 14th Sep 17, 7:32 AM
    • 164 Posts
    • 581 Thanks
    Rachel24
    It's really made me see what a difference it can make so thank you !!!55357;!!!56842; my next account is high. I used to see it as free money sadly so once it's paid off I'm closing the account and never touching it again!
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 7:44 AM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    Hey, thanks for mentioning qmee. I had a look and got nearly 60p just while settling Pickle. I think I'll build that one up in the days I spend and with draw money on a nsd so I can make a pad in my mop pot.

    Hope little one is better soon.
    Originally posted by wishingthemortgaheaway
    DS is no better I was up at 3am cleaning his bed and him up. Sick all over his bed. Thankfully I thought to buy bed pants for him in case of accidents the other end...as that also happened. I messaged my manager last night stating I'll have to take today as AL. I got a reply of "OK" and nothing else. Not sure what he expects me to do. The
    Last time I asked my mum to have him whilst Ill like this I'd successfully wiped out my mum, youngest sister, elder sister and all 4 of her kids. My mum looks after my elder sisters kids too. Ultimately if my mum catches this then there is no child care! I guess he expects my DH to stay home. But he's trying to catch up after having quite a bit of time off with his back that his manager pestered him about. No win from either side. But my child's health is more important and should really keep my anxiety in check.

    Ugh enough moaning. Today is sponsored by coffee and the odd Lemsip. So much snot. Wow this house is so fun.

    Oh and Wishing, every little helps re. Qmee. I really like that you can cashout for such little amounts without being penalised. It's instant gratification for me!
    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 8:03 AM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    It's really made me see what a difference it can make so thank you !!!65533;!!!65533; my next account is high. I used to see it as free money sadly so once it's paid off I'm closing the account and never touching it again!
    Originally posted by Rachel24

    My Next account very very rarely dipped below 400 and I'd pay an average of 40 a month on. I'd then buy loads every 3 months or so, countering any payments I'd just made. Speaking to some colleagues the other week and they mentioned how their balance's are in the same region as yours. But they also had the attitude of it being free money.

    I'm probably going to close my next account once cleared too. If I want something I will pay outright. That's what has annoyed me. Previously I could pay outright but still stuck it on there, oh the shame

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • misstara
    • By misstara 14th Sep 17, 8:14 AM
    • 2,795 Posts
    • 19,785 Thanks
    misstara
    I've just joined qmee after reading about it here and so far have made 5p

    Hope DS is better soon.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 678.01 (70.6% paid)
    Car debt Nov 2017 797.68 Now 471.72 (40.9% paid) + monthly payments 146.82 7/60
    Emergency fund - 50/1000. Car fund - 122/1000.
    Mini Targets in July
    Exercise target - 5/16. Groceries target 150.93/200. NSD target 5/13.
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 9:16 PM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    It's payday eve.

    Managed to earn another 1.51 on Qmee which I've chosen to take off the Barclaycard. Tomorrow I will completely pay off the NEXT account This is why I've started to make a mini payment to the Barclaycard as that's my next target.

    Totals as of 14th September

    Lloyds CC 1343.20
    Next 109.8
    MBNA CC 4130
    Barclaycard CC 2583.49 1.51 paid off
    Tesco Loan 10,012.88
    Santander Loan 6528.88
    TV -DH purchase 634.9
    M&S Loan 7910.64
    Bicycle finance 112.5

    Total Debt as of 10th September - 33453.8
    Total Debt as of 11th September - 33387.8
    Total debt as of 13th September -33369.99
    Total Debt as of 13th September (b) -33366.89
    Total Debt as of 14th September -33365.38

    Total cleared since 1st September - 736.31

    Topped up the emergency fund to 190 this morning

    Emergency Fund total - 190/1000




    September goals

    1) To pay a total of 1500 off debt
    736.21/1500

    2) To get 300 in the EF
    190/300

    3) To list 10 items on Ebay
    8/10

    4) To earn 30 from surverys - only payable to count
    12.96/30


    I'm tantalisingly close to the 25 I want to have earned on PA before I go for payout. That'll be my September contribution to the annual bill account. Studies have picked up slightly but they're low paid.


    Update on the kids. Despite the sickness and diarrhea from DS he's been full of energy and fingers crossed he's over the worst. DD has a slight runny bottom but it's not affecting her demeanour. Still a tantruming madam. I kinda like that part of her though, very strong willed!!

    Gonna get an early night. .... (after a few diary reading catch ups)

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • Rachel24
    • By Rachel24 14th Sep 17, 10:19 PM
    • 164 Posts
    • 581 Thanks
    Rachel24
    Hi mummy bear can I ask with qmee do you just earn money through surveys? Well done with going to clear the next account!!!
    • Mummy_bear
    • By Mummy_bear 15th Sep 17, 7:05 AM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    Hi mummy bear can I ask with qmee do you just earn money through surveys? Well done with going to clear the next account!!!
    Originally posted by Rachel24

    Hi, yes I do, but that's only because I've downloaded it onto my tablet. I'm sure I've read other people earn money on a desktop or laptop through doing searches. I'm not 100% on that
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • Mummy_bear
    • By Mummy_bear 15th Sep 17, 8:37 AM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    Pay Day
    Well it's payday and I've cleared the NEXT account

    I wasn't sure a few weeks ago of whether I'd achieve it this month as well as clearing the overdraft so I'm over the moon.

    I love logging into my banking app and seeing everything in the positive and that we have savings. The psychological impact is huge. It really gives me a boost and a determination to clear the rest ASAP.

    Totals as of 14th September

    Lloyds CC 1343.20
    Next 0 109.8 paid
    MBNA CC 4130
    Barclaycard CC 2583.49
    Tesco Loan 9799.84 213.04 paid off below 10k
    Santander Loan 6373.43 155.45 paid off....no, really this time!!
    TV -DH purchase 634.9
    M&S Loan 7910.64
    Bicycle finance 112.5

    Total Debt as of 10th September - 33453.8
    Total Debt as of 11th September - 33387.8
    Total debt as of 13th September -33369.99
    Total Debt as of 13th September (b) -33366.89
    Total Debt as of 14th September -33365.38
    Total Debt as of 15th September -32887.09

    Total cleared since 1st September - 1214.6


    Emergency Fund total - 215/1000




    September goals

    1) To pay a total of 1500 off debt
    1214.6/1500

    2) To get 300 in the EF
    215/300

    3) To list 10 items on Ebay
    8/10

    4) To earn 30 from surverys - only payable to count
    12.96/30


    As mentioned earlier I'm going to concentrate my efforts on the Barclaycard now.
    From the August statement 1478.16 is on 0% until Nov 2018 (probably closer to 1400 taking payments into account since last statement). The remainder of the balance is 0% until Jun 2019. So use the snowballing method from next payday everything I used to pay to Next and the OD will now go on the Barclaycard. That means I should be paying a minimum of 160 a month off it from October. Hopefully more with all the other little payments I can make. Quick calculations suggest that the card will be COMPLETELY paid by Jan 2019. I hope to drastically reduce that though.


    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • ChasingSunshine
    • By ChasingSunshine 15th Sep 17, 9:23 AM
    • 130 Posts
    • 999 Thanks
    ChasingSunshine
    Brilliant progress, well done on getting rid of the Next acc as well as being out of your overdraft! I'm sure you will have no trouble having the BC well cleared before the 0% ends.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 15th Sep 17, 11:52 AM
    • 1,532 Posts
    • 7,465 Thanks
    wishingthemortgaheaway
    Woo hooo you are doing really well.

    The bc is a bit of a marathon rather than a sprint though isn't it? What about some little challenges to keep you motivated?

    Onwards and downwards.
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • Mummy_bear
    • By Mummy_bear 15th Sep 17, 1:20 PM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    Woo hooo you are doing really well.

    The bc is a bit of a marathon rather than a sprint though isn't it? What about some little challenges to keep you motivated?

    Onwards and downwards.
    Originally posted by wishingthemortgaheaway
    Yeah I need to make this a painless marathon that's for sure. I guess my new financial goals will be focused around earning extra money on top of my usual income. ...e.g. surveys, selling etc.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • Rachel24
    • By Rachel24 15th Sep 17, 10:26 PM
    • 164 Posts
    • 581 Thanks
    Rachel24
    Well done on the next account!!! One more debt cleared :-)
    • Mummy_bear
    • By Mummy_bear 16th Sep 17, 8:40 AM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    Good morning diary world

    Well, what a fantastic day to wake up to!

    Last Monday I decided to look into reclaiming my paid bank account fees. I remember years ago paying for my account but it wasn't for very long as I realised I didn't need to pay for it like I was convinced at the time (young and foolish)


    I used the MSE resolver thing on this website, free and easy to use. .
    the result? Last night my bank refunded me...a only a few hundred as I didn't have it long but it all helps I honestly can't believe how quick and painless that process was and I paid no one any fees.

    So, this morning I've placed 300 into the Emergency Fund and paid another 100 off the BC




    Totals as of 16th September

    Lloyds CC 1343.20
    MBNA CC 4130
    Barclaycard CC 2483.49 100 paid off
    Tesco Loan 9799.84
    Santander Loan 6373.43
    TV -DH purchase 634.9
    M&S Loan 7910.64
    Bicycle finance 112.5

    Total Debt as of 10th September - 33453.8
    Total Debt as of 11th September - 33387.8
    Total debt as of 13th September -33369.99
    Total Debt as of 13th September (b) -33366.89
    Total Debt as of 14th September -33365.38
    Total Debt as of 15th September -32887.09
    Total Debt as of 16th September -32787.09

    Total cleared since 1st September - 1314.6


    Emergency Fund total - 515/1000




    September goals

    1) To pay a total of 1500 off debt
    1314.6/1500

    2) To get 300 in the EF
    515/300

    3) To list 10 items on Ebay
    8/10

    4) To earn 30 from surverys - only payable to count
    12.96/30



    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 16th Sep 17, 8:45 AM
    • 1,532 Posts
    • 7,465 Thanks
    wishingthemortgaheaway
    Woohoo. I thought that bc was going to be a marathon. Obviously not.
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • Mummy_bear
    • By Mummy_bear 19th Sep 17, 4:14 PM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    Hello Diary

    Been quiet for a few days. I've been super busy catching up at work due to the unexpected days off last week. But Debt busting is still happening.


    Totals as of 19th September

    Lloyds CC 1343.20
    MBNA CC 4035 95 paid off
    Barclaycard CC 2477.61 5.88 paid off
    Tesco Loan 9799.84
    Santander Loan 6373.43
    TV -DH purchase 634.9
    M&S Loan 7910.64
    Bicycle finance 112.5

    Total Debt as of 10th September - 33453.8
    Total Debt as of 11th September - 33387.8
    Total debt as of 13th September -33369.99
    Total Debt as of 13th September (b) -33366.89
    Total Debt as of 14th September -33365.38
    Total Debt as of 15th September -32887.09
    Total Debt as of 16th September -32787.09
    Total Debt as of 19th September - 32686.21

    Total cleared since 1st September - 1415.48


    Emergency Fund total - 515/1000




    September goals

    1) To pay a total of 1500 off debt
    1415.48/1500

    2) To get 300 in the EF
    515/300

    3) To list 10 items on Ebay
    10/10

    4) To earn 30 from surveys - only payable to count
    37.94/30


    So close to smashing all my September goals. I'm very happy.

    Paid more off the BC from a Qmee payment and saving on parking today.

    The MBNA payment is a combination of mine and DH's monthly contribution as that is made up of both our debts.

    I was finally able to cash out to Circle for PA surveys. I was holding out as I had 10.20 pending. Decided to cash out Monday afternoon for payment today and a couple of hours later the 10.20 became payable!! Typical. Never mind. So that makes it 23.70 from PA cash out and its been placed into my annual bills pot.

    I've managed to get a few more things on Ebay. One item sold within 30 mins using the BIN feature. Found that there is a parcel drop off place 2 minutes from where I work that opens until 8.30pm weekdays. It's slightly cheaper than the post office postage charges. It means that I can post things straight after work in the week, this allows for more selling flexibility now as previously I had to wait until Fridays to post anything.


    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • Scott_Weiland
    • By Scott_Weiland 19th Sep 17, 4:44 PM
    • 779 Posts
    • 2,030 Thanks
    Scott_Weiland
    Hello Diary

    Been quiet for a few days. I've been super busy catching up at work due to the unexpected days off last week. But Debt busting is still happening.


    Totals as of 19th September

    Lloyds CC 1343.20
    MBNA CC 4035 95 paid off
    Barclaycard CC 2477.61 5.88 paid off
    Tesco Loan 9799.84
    Santander Loan 6373.43
    TV -DH purchase 634.9
    M&S Loan 7910.64
    Bicycle finance 112.5

    Total Debt as of 10th September - 33453.8
    Total Debt as of 11th September - 33387.8
    Total debt as of 13th September -33369.99
    Total Debt as of 13th September (b) -33366.89
    Total Debt as of 14th September -33365.38
    Total Debt as of 15th September -32887.09
    Total Debt as of 16th September -32787.09
    Total Debt as of 19th September - 32686.21

    Total cleared since 1st September - 1415.48


    Emergency Fund total - 515/1000




    September goals

    1) To pay a total of 1500 off debt
    1415.48/1500

    2) To get 300 in the EF
    515/300

    3) To list 10 items on Ebay
    10/10

    4) To earn 30 from surveys - only payable to count
    37.94/30


    So close to smashing all my September goals. I'm very happy.

    Paid more off the BC from a Qmee payment and saving on parking today.

    The MBNA payment is a combination of mine and DH's monthly contribution as that is made up of both our debts.

    I was finally able to cash out to Circle for PA surveys. I was holding out as I had 10.20 pending. Decided to cash out Monday afternoon for payment today and a couple of hours later the 10.20 became payable!! Typical. Never mind. So that makes it 23.70 from PA cash out and its been placed into my annual bills pot.

    I've managed to get a few more things on Ebay. One item sold within 30 mins using the BIN feature. Found that there is a parcel drop off place 2 minutes from where I work that opens until 8.30pm weekdays. It's slightly cheaper than the post office postage charges. It means that I can post things straight after work in the week, this allows for more selling flexibility now as previously I had to wait until Fridays to post anything.


    MB
    Originally posted by Mummy_bear

    Well done re smashing your survey goal, i think earning 50-60 is easily obtainable.

    Try registering with these

    Opinion Outpost
    Swagbucks
    Power of Opinions
    and Opinium Research

    All are nice little payers and will compliment PA well.
    Cashback Earnings YTD 46.04 Survey Earnings YTD 182.66
    "Always always train, be the best version of you that you can physically be"
    • Mummy_bear
    • By Mummy_bear 19th Sep 17, 4:54 PM
    • 319 Posts
    • 1,130 Thanks
    Mummy_bear
    Hi Scott_Weiland,

    I tried Swagbucks. I get screened out of most of the surveys. I really wasn't earning much, never got to payout stage over the months of having it. Not sure what I was doing wrong or if there are any tips.

    I registered with Opinion Outpost but then forgot about it! Need to relook.

    I'm also on Onepoll. This is a slow one. Can't cash out until 40. I have 11 so far and surveys are no more than 30p a time with most being 10p.

    But I agree, the earning potential is great so I will most definitely look at the others you have suggested

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • Scott_Weiland
    • By Scott_Weiland 19th Sep 17, 5:08 PM
    • 779 Posts
    • 2,030 Thanks
    Scott_Weiland
    With Swagbucks my first advice would be make sure you have the app on your smartphone

    Its only one sb but theres a daily poll you can do via the app.

    Next on there site theres a thing called the daily crave same again another sb for just watching silly news clips

    Next just daily try all the gold surveys and peanut labs surveys i always do better with the peanut lab surveys than gold.

    My final tip is just perservere with it if it takes 2-3 weeks thats what it takes. I spend alot of time doing surveys as i work 4 on 4 off

    Stick with it.

    Opinium Research is a really good one.
    Cashback Earnings YTD 46.04 Survey Earnings YTD 182.66
    "Always always train, be the best version of you that you can physically be"
    • enthusiasticsaver
    • By enthusiasticsaver 19th Sep 17, 6:18 PM
    • 6,678 Posts
    • 14,151 Thanks
    enthusiasticsaver
    Just caught up on your diary and had to add my congratulations to the fantastic efforts you are making to get the debt down. Getting rid of the Hitachi loan, next and new look accounts was a very wise move as they are expensive debts as are overdrafts so good to see them gone too.

    Setting up an annual bills and emergency fund are again 2 really good moves and well done for getting your OH on board too.

    I hope you reach your target of being under 30k by the end of the year. That would be a great achievement.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
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