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  • FIRST POST
    • lonelyrat
    • By lonelyrat 18th Oct 17, 6:48 PM
    • 559Posts
    • 1,631Thanks
    lonelyrat
    LonelyRat's (not so lonely) Road to Riches
    • #1
    • 18th Oct 17, 6:48 PM
    LonelyRat's (not so lonely) Road to Riches 18th Oct 17 at 6:48 PM
    Hello everyone I have been posting for a few months now over on the general Debt Free Wannabe board but have decided what I'm wanting to do seems more like a Debt Free Diary, so here I am!

    I started trying to tackle my situation in June with around £7,500 of debt and no clue what to do about it. I made a basic, confused, sort of plan to tackle it and got cracking... I managed to make a tiny dent but wasn't doing particularly much and still felt completely overwhelmed. One night, after a few (read: many) wines, a desperate internet search for "help, debt" brought me here. I began reading through other people's threads and started to get a better idea of what I should be doing (hello snowballing - how had I not heard of you?!). In August I got the balls together to post my first thread. I got some good advice, began to feel more motivated and focused and, above all, started to feel like there was light at the end of the tunnel

    There are a number of reasons why I want to start this diary. Most importantly I feel like it will help me be more accountable for my actions. I've made a series of poor decisions which have led me to the money mess I'm in now. I need to unlearn bad habits and by writing everything down and checking in a few times a week I'm hoping to start reprogramming myself.

    Some general info about me and my life:
    I have just turned 27 *shudder* and am partnered up with OH. We have been together a few years and live together with his parents in Bonny Scotland. A few months ago as we used to rent a flat together but really couldn't afford it so we've moved in with his parents to reduce outgoings and get this debt busted with the ultimate aim of saving towards a deposit (something that seemed completely unattainable even just a few months ago). I work in a dead end customer service role at a bank and he is a student who is currently in his last year of study (hallelujah)!

    Hobbies for me include drinking wine, but I am attempting to cut this down and have gone sober for October. Hopefully I can carry it on indefinitely!

    I got paid yesterday so money has been allocated to where it needs to go and here are my most up to date balances:

    Current Debt / Debt at first DFW post

    Overdraft 1 £950 / £1950
    Overdraft 2 £83 / £450
    Loan £472.29 / £770
    Santander CC £2744.45 / £2770.90
    Very BNPL £263.98 / £288.98
    Capital One (1) £0 / £404.25
    Capital One (2) £0 / £179
    Barclaycard £0 / £390

    Total Debt £4513.72 / 7203.13

    If anyone is interested in my short journey so far it can be found here: http://forums.moneysavingexpert.com/showthread.php?t=5690629#topofpage
    Last edited by lonelyrat; 01-05-2018 at 8:19 AM. Reason: Edited to make less lengthy
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
Page 1
    • Poor_Single_lady
    • By Poor_Single_lady 18th Oct 17, 7:08 PM
    • 1,508 Posts
    • 5,850 Thanks
    Poor_Single_lady
    • #2
    • 18th Oct 17, 7:08 PM
    • #2
    • 18th Oct 17, 7:08 PM
    Hello and welcome!

    Hope the diary helps.
    Please do join the alcohol cutting down thread (whenever you are ready). It is genuinely amazing. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • UncannyScot
    • By UncannyScot 18th Oct 17, 7:17 PM
    • 1,946 Posts
    • 11,240 Thanks
    UncannyScot
    • #3
    • 18th Oct 17, 7:17 PM
    • #3
    • 18th Oct 17, 7:17 PM
    Hello and welcome
    Well done on making a good start to your DFW diary.

    Feel free to join in and visit folks diaries on here. You don't have to post about finances and debts all the time either
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Hiddenidenity
    • By Hiddenidenity 18th Oct 17, 7:46 PM
    • 5,213 Posts
    • 26,759 Thanks
    Hiddenidenity
    • #4
    • 18th Oct 17, 7:46 PM
    • #4
    • 18th Oct 17, 7:46 PM
    Echo the others

    You've made a brilliant start already!

    Following from the sidelines to cheer you on x
    • Rachel24
    • By Rachel24 18th Oct 17, 7:56 PM
    • 201 Posts
    • 775 Thanks
    Rachel24
    • #5
    • 18th Oct 17, 7:56 PM
    • #5
    • 18th Oct 17, 7:56 PM
    Following you lonely rat. Good luck in your journey. I’m in bonnie Scotland too!
    Last edited by Rachel24; 18-10-2017 at 8:02 PM.
    • 117pauline
    • By 117pauline 18th Oct 17, 8:05 PM
    • 725 Posts
    • 7,815 Thanks
    117pauline
    • #6
    • 18th Oct 17, 8:05 PM
    • #6
    • 18th Oct 17, 8:05 PM
    Wow, is all I can say.

    You have paid off a significant percentage of your debt by yourself. Your plan might not be perfect but it sounds like you are learning each month.

    Just a few musings from me.....

    Your boyfriend I presume was half responsible for the debt and so should be paying you all the returned deposit! Sorry, that might sound harsh but if you support him then he should be doing the same. I am pleased to read he will pay the £83 DW debt - please take it!

    Your boyfriend's parents sound wonderful. Welcoming and supportive which is great. But as a step parent, can I make a suggestion? Perhaps each month you can make/buy them a special meal to show you appreciate them. I know that means extra spends but will make everyone feel better about the situation.

    SOAs are works in progress as you will learn each month. EH's suggestions are on the button as usual.

    You mention uncertainties in a couple of your posts. Debt makes it worse unfortunately but you have made a fantastic start reducing your debt. Having an Emergency Fund will help reduce your reliance on credit.

    Finally, I think that when you have a bonus or overtime, you should plan in some treats for yourself too. They don't have to be large but you need to feel your hard work is rewarded.

    Good luck with the flight. By the time you are up in the air it will be time to go down again and then you will see your family!!

    I hope you stay within your budget whilst you are away.

    Take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • lonelyrat
    • By lonelyrat 18th Oct 17, 8:57 PM
    • 559 Posts
    • 1,631 Thanks
    lonelyrat
    • #7
    • 18th Oct 17, 8:57 PM
    • #7
    • 18th Oct 17, 8:57 PM
    Hello everyone! Thanks for all the supportive messages - feeling a bit teary if iím being honest! Overwhelmed but in a good way for once

    Having somewhere like this where there is a whole community there to help one another is really uplifting and makes me feel like Iím not alone in this. I think debt can feel so isolating - the logical part of me knows that Iím not alone in itÖ a quick browse of any number of news websites and thereís regular articles on increasing consumer debt, but it just doesnít seem real. People donít talk about it enough I think.I know I havenít told any of my friends at work about the extent of the mess I got into for a fear of judgement SIlly really!

    Hey PSLady! I definitely will head on over, just need to get the guts for it! What originally started out as just a casual wine or two turned into a bit of a dependency. I think I was drinking more to deal with stress but itís a bit of a vicious cycle really. I spend money on wine because Iím stressed, Iím stressed because I have no money - and round and round we go! Itís been going on for a long while as well so thereís a whole mindset I need to break. October is going good though. No slip ups which is amazingÖ there was a part of me that really thought I would fail, but Iíve surprised myself! This is why Iím planning on continuing for November and on wards if I can. I donít want to go back to where I was. I just started reading through your diaryÖ I have to admit I got to page 10 or so then took a bit of a break but I will come back to it! Iím extremely impressed by your dedication. Iím going to endeavour to post with your regularity!

    Hello UncannyScot - love the name! I will definitely be visiting other diaries. I will be subscribing to everyone to cheer them on. Also iím a bit nosy if Iím being totally honest and I do find reading through what other people are doing/ paying pretty interesting. Iíve been lurking on my commute for a good few months now (ew, that sounds creepier than intended)!

    You don't have to post about finances and debts all the time either
    Bold idea haha! Iím sure I do have other interesting things to talk about so Iíll try and bring some other, more exciting, things to the table. Iíve been so consumed with thinking about this debtÖ Iím getting less so the more I pay off. I feel with each payment a weight is slightly lifted off my shoulders and I get a bit of myself back.

    Hello Hiddenidentities and Rachel24! Thank you for the encouragement! Rachel24 Iím sure I subscribed to you a wee while ago but I donít think Iíve been getting emailsÖ I think I must have mucked something up with my settings. I will go have a poke around in a bit and see if I can get it sorted. Are you still having luck with Prolific? I only get 1 or 2 surveys every few weeks. They pay well but theyíre so few and far between!

    Hiddenidentities well done on beating the gambling! Thatís honestly so impressiveÖ I obviously donít have all the ins and outs but still massive kudos to you! For me itís all booze, I hope I can be successful in the same way youíve been. I do wish I had studied something psychology related at UniversityÖ Iím so interested in how our mind works in getting us addicted to things and how itís so damned easy for some of us and other people are totally fine. I havenít read through your thread in itís entirety yet (7am starts this week have got me knackered) but I shall be fitting you in on the commute
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • beanielou
    • By beanielou 18th Oct 17, 9:02 PM
    • 63,716 Posts
    • 282,432 Thanks
    beanielou
    • #8
    • 18th Oct 17, 9:02 PM
    • #8
    • 18th Oct 17, 9:02 PM
    Happy shiny new diary
    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.***
    • lonelyrat
    • By lonelyrat 18th Oct 17, 9:16 PM
    • 559 Posts
    • 1,631 Thanks
    lonelyrat
    • #9
    • 18th Oct 17, 9:16 PM
    • #9
    • 18th Oct 17, 9:16 PM
    117pauline - thank you for the comments. I appreciate your musings!

    You are right - he was jointly responsible for the debt thatís built up over this year (the loan and OD1 were all me though). He has been helping recently, as soon as he got his first student finance payment he transferred me £200 and heís given me £350 of the deposit. He would give me more if he had any to spareÖ. With him having funds coming in each month things are getting a lot easier though and things that once fell on my shoulders (food shops etc.) are now being split which is a lot easier for me. It wasn't until July (when I properly began trying to get this all sorted) that I actually told him the extent of my debt. I hadnít, necessarily, previously hid it on purpose, it was just something I pushed to the back of my mind and did not discuss. I let it stress me out in secret so he didnít know how bad our situation was. Once I actually told him the amount, began budgeting and discussing my worries with him heís been very supportive and he's making changes to his behaviour too.

    He found out heís getting an additional bursary payment this month as they had miscalculated something so I think some of that will be coming towards me which is exciting. The way I see it is heís contributed a lot since heís had money again and things are being split evenly now so Iím happy. I am aware that a lot of frustration came through in my original post but at that point I felt like I was sinking into quicksand and didnít see any way out. I may have been trying to allocate blame away from myself subconsciously as well. Obviously his lack of income for those months was difficult but if I had taken charge of my finances and budgeted better we could have managed without this mess.

    Oh his parents are the best, most supportive, wonderful people. They treat me like one of the family completely and I feel very, very lucky. With regards to my family it's just me and my Dad so having his big family as well is really lovely. I do want to do more to help them. We are starting to pay the bills for the household but other than that there's not much we can do really (in a few months rent will be getting paid as itís far too cheeky paying no diggs). His mums got some health problems and his dad is a nurse and works variable shifts so taking them out for a meal wouldn't really be feasible BUT she loves a fruit loaf so stocking up on them may be a solid sign of appreciation! (Just kidding! In all seriousness me and OH will need to have a brainstorm to see what more we can do to give back to them).

    The SOA will be getting done this month for definite. I dug out a budgeting diary I had bought my OH a few christmases ago - never been used, unsurprisingly. This is going to be my go to this month. I will dedicate up to 15 mins when I get home from work on what spends have been done. I need to figure out where the random odd pounds are going and put a stop to it. Once the SOA is done I will welcome peoples feedback!

    With regards to uncertainties I can definitely be a bit of a debbie downer and I have a fair few wobbles. Iím hoping that the reduction in booze will help my mental health. I used to be on SSRIís but went off them and havenít been to the doctor in about a year and a half so thatís something Iím planning on working myself up to soon as I do think I need to discuss my mental health. Healthy mind hopefully healthy purse!

    The emergency fund has been started. Thereís just 20 quid in it the now but itís a start and ideally there will be no more emergencies until itís built up!

    I do plan on doing some overtime this month. In hindsight I should have added that to my list (I just LOVE a list). I think I will take what you said on board and maybe try and treat myself to one or two things (within reason) with a portion of the additional money.

    Thanks for the well wishes with regards to the flightÖ I will make it through just feeling a wee bit nervy about it. Like you said itíll be up and down before I know it and Iíve got a book and my OH transferred me £10 so I could pay for window seats - silly I know, but for some reason being at the window makes me feel less stressed out and I am trying (in vain) to justify it as it isnt expensive as the train... that's ok right? RIght?!
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • lonelyrat
    • By lonelyrat 18th Oct 17, 9:18 PM
    • 559 Posts
    • 1,631 Thanks
    lonelyrat
    Thatís enough of a ramble for now - I promise future posts will be less lengthy
    Hmmm not the best start! God I could ramble for Britain
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • Rachel24
    • By Rachel24 18th Oct 17, 9:31 PM
    • 201 Posts
    • 775 Thanks
    Rachel24
    I’m rubbish at updating my diary lonelyrat so it’s more than likely I just haven’t updated it and that’s why you haven’t updated it. I’m rubbish with mine but I love reading everyone else’s it keeps me going and makes me motivated to not get in more debt. You are doing amazing and with only one income. It’s going the right way Hun xx
    • Happierdays
    • By Happierdays 19th Oct 17, 3:00 AM
    • 154 Posts
    • 486 Thanks
    Happierdays
    Hi lonely rat! it's definitely one step at a time isn't it when changing mindset and habits on both this debt AND this lifestyle journey..with all sorts of shenanigans on the way usually lol
    Good luck x
    • glass_half_full
    • By glass_half_full 19th Oct 17, 5:51 AM
    • 356 Posts
    • 835 Thanks
    glass_half_full
    Hi lonely rat,
    You seem really determined, good luck, stick with it!
    Mortgage June 2018 £79,600 I Mortgage now - £71,438 I MFW Target August 2022 I Emergency fund £2000 I Car loan November 2018 £17,600 I Car loan now - £16,131 I
    • lonelyrat
    • By lonelyrat 19th Oct 17, 9:43 PM
    • 559 Posts
    • 1,631 Thanks
    lonelyrat
    Thanks for the messages

    Today was OK, could have been better though. I've been browsing and seen people talk about no spend days. I was thinking about it and I actually can't remember the last time I had a truly no spend day, scary I was going to try and go for one today but I was too knackered last night to make dinner which meant I had no leftovers for lunch. Not ideal A work friend wanted for us to go out to a cafe for lunch but I put my foot down and we ate in the office. I bought porridge which cost £1.50, but it could have been a lot worse. Small wins huh?

    I finish up at 3 tomorrow and then have some time to kill before heading to the airport. Mr LR will meet me in town and we'll go get something for dinner. I also need to return 2 work dresses I got in Primark a few weeks ago so that's an extra £28 coming back my way tomorrow. They are nice, and I dooooo need work clothes, BUT my old tatty dresses can last a few more months I feel!

    I have my lunch for tomorrow sorted (quorn chicken fajitas, extra mild - because I am a child and cannot handle even the mildest of spiciness. It's actually embarrassing!) It will be a bit of a spendy day though as I'll be halfing in for dinner then will need to buy a bus ticket to the airport (a return is about £8.00) and then a train ticket when I get to Gatwick (£12.60). The rest of the weekend down there should be fine though. My dad is a very thrifty gentleman so perhaps I will even learn some more tips when there

    I'm planing on nosey-ing around other peoples diaries tomorrow when in transit so I hope nobody minds me snooping
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • 117pauline
    • By 117pauline 9th Nov 17, 12:19 AM
    • 725 Posts
    • 7,815 Thanks
    117pauline
    Hi lonely rat

    How are things going? Did you have a good time with your dad?

    It's worried me a bit that you hadn't posted for a couple of weeks.

    I just wanted you to know you aren't on your own Ún this journey

    Try to keep posting, take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • lonelyrat
    • By lonelyrat 22nd Nov 17, 5:37 PM
    • 559 Posts
    • 1,631 Thanks
    lonelyrat
    *Sheepish Wave* Hi guys!

    Balances to start?

    Overdraft 1 £500 / £1950
    Loan £382.22 / £770
    Santander CC £2685 / £2770.90
    Very BNPL £263.98 / £288.98
    Overdraft 2 £0 / £450
    Capital One (1) £0 / £404.25
    Capital One (2) £0 / £179
    Barclaycard £0 / £390

    Total Debt £3831.2 / 7203.13

    ALMOST HALFWAY!

    The good news is now the credit card and overdraft are both interest free - so that’s something. I had planned on having Overdraft 1 down a bit more but had some unexpected costs come up last month. One of our poor ratties has a lump which we suspect is a mammary tumour These are quite common in rats but I’ve never experienced it myself. Upon discovery there was much flapping and panicking from me and some expensive vet visits which had not been budgeted for. Good news is ratty is ok for the moment and money has been shifted around and taken out of this month's spending to cover it.

    I’ve been AWOL.. *sigh* my plan to post more actually turned into posting less somehow I haven’t fallen off the debt busting wagon though so don’t worry!

    Thank you so much for checking in Pauline. It was very kind of you.. I do want to be more active. It does help. Writing everything down helps me focus more than just looking at a spreadsheet. Sometimes I do just get in my own head too much I think.

    I don’t know why I vanished. I think I was feeling a bit dejected. I had a good visit with my dad and a few NSD’s which felt good but I got home and realised it was still October and pay day was so far away and got myself down a little bit. I’m finding it hard not to let every small setback knock me… like with the vet trips I had to dip into the non interest free part of Overdraft 1 which felt a bit rubbish and I felt like such a failure. (Emergency pot where are you?) I’ve since worked it out and it’s only going to cost 13p in interest but it still felt like the biggest set back and it’s mucked this month's spending money up a wee bit. I need to work on not letting my mood be so affected by the little knocks - it’s life and it’s going to happen and I AM still making progress- so i need to look on the positives

    On that note I had put in to go part time at my work a little while ago as I was really feeling down and currently I work pretty crappy variable shifts anywhere from 7am - 9pm and the lack of stability was really affecting me. I hadn’t heard back until just now and I’ve been approved! It’s very exciting and means I can try and fix my head a little bit. I do find having a pattern really improves my mental health so on the one hand I can’t wait… but on the other hand I’m worried already about the loss of income. Probably not the best time to be doing it but hey ho my mental health takes precedence My income will drop by about £300 a month (if I don’t do any overtime) but I’ve already rejigged my excel sheets and everything is still manageable, albeit it takes a little longer. It’s going to happen as of January so I still have next month's wage as a full time one which is ideal. After that I will be dropping down to shifts that start at 8/9 every day and there’s overtime offered every day so the plan will be to start work at 7 every day - which will make the commute more bearable as well! I will have the option to go full time again in the future if I want it as well. So if I can get myself into a more positive headspace then maybe in the future I will feel up to going back to what I was doing before. I do have the option for overtime whenever I like really as well so if I find that I’m doing OK mentally I could put through to do some full time weeks to bring up the wage. The main thing is having a consistent start time, which means a consistent bedtime which makes for a happier LonelyRat

    I have £190 left of my spending money to last me till the 15th which is very doable. All my bills have been paid and there's food in the fridge/ freezer so if nothing goes wrong I should have some left over. I do, however, need to get my OH something small for Christmas. We’ve ordered a new bed and split the cost as a present to one another which I am extremely excited about… The bed should be here at the end of the month and I’m very much looking forward to it. It’s got an orthopaedic mattress! I sound like such a granny but I don’t even care

    There’s going to be some changes in the next few weeks with how my debt is structured. I panicked a little bit when I got the news about going part time and took out a card with Virgin to do a balance transfer as I was worried I wouldn't be able to manage the Santander CC with the time I’ve got left on it. It’s 0% fee for the transfer and will be interest free for 24 months. It’s got a £1700 limit so I’m going to transfer £700 from the Santander CC and the actual card will get cut up straight away.

    So tentative plan for next month:

    BT £700 from Santander CC to Virgin
    £289.50 payment to the Santander CC
    £25 payment to Virgin
    £500 (and 13p haha!) payment to Overdraft 1
    £102.81 to RBS loan

    Balances should be:

    Overdraft 1 £0 / £1950
    Loan £279.41 / £770
    Santander CC £1765 / £2770.90
    Virgin CC £675 / £700
    Very BNPL £263.98 / £288.98

    £2983.39 / 7203.13 - Which would be over half way - eek!

    After that it’s just fling everything at the Santander CC to clear it while paying £25 on the Virgin. The plan is to have Santander paid off by April/ May. I’ll be getting a bonus payment in March which should be around £500 again so that will help with that as well. After March my loan payments will be finally be done as well and that’ll free up an extra £102.81 a month The Virgin card will be paid in June/ July. From my forecasting I could have done the Santander card by the time the interest free period ends in September but I want to give myself some breathing room. I’ve learnt from my experience the past 5 months that unexpected costs do very much crop up, which is something I don’t think I even noticed before… Anything that did come up just got put on credit I don’t want to fall into that trap so by extending the interest free period on the credit card it means if anything does come up that needs addressing then I can use cash and just make smaller payments to the Credit Card.

    In light of the fact that I’m going to be back to having to make credit card payments rather than Overdraft payments I’m going to take EssexHebrideans good advice and make minimum payments on payday and put the rest into my savings account to pay just before my next payday. I really do think this will help overcome any blips in the budget.

    I’ve also had a think about my emergency pot. I’ve decided it’s going to be called the Geriatric Rat Savings Pot (GRSP) and is going to take more importance than it had done previously. With little lady rat getting her lump I’ve had a think about them (we have 4 in total) and they’re all getting on a bit and I’m sure we’re going to be hit with more health problems in the next few months/ year. I want to be fully prepared to be able to cover anything that does crop up as it can be quite expensive.. The GRSP will be receiving £30 a month and it won’t get touched apart from rat emergencies. I’m also going to have a smaller general emergency fund which will be in the account that Overdraft 1 was with and this will be for anything non- ratty related

    With regards to Overdraft 1 I haven’t received any communication from them about the change in my student overdraft charges. I received an email last year saying the interest free amount dropped from £2000 - £1000 and that was at the beginning of November and took place in December. I haven’t had anything yet this year though. I don’t know if I should attempt to contact them or just wait and see what happens. It changed on the 6th of December last year, so if the same happens this year and if I get charged on the £500 balance it should work out at £8.50 in overdraft fees to be paid in January eek! After that no more fees though as it will be paid in December.

    Actions for this week:

    - Organise the balance transfer when I recieved Virgin card/ log on details
    - Close down the 2 Capital One cards and the Barclaycard as well. My amount of available credit is pretty high and I don’t think it’s a good idea to have so much available to me, especially when my income will be reducing.
    - Do laundry (eugh)
    - Finish moving from one bedroom to the other (as my OH’s sister and boyfriend have moved into their new home)!
    - Figure out what I can get my OH for christmas which will be a) cheap and b) useful
    - Decided whether or not to call Overdraft 1 provider
    - Try and stay positive and not get bogged down with work/ money stress.

    Have a lovely evening everyone
    Last edited by lonelyrat; 22-11-2017 at 5:41 PM.
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • lonelyrat
    • By lonelyrat 22nd Nov 17, 5:46 PM
    • 559 Posts
    • 1,631 Thanks
    lonelyrat
    Actually! Change to the payment structure... rather than pay £289.50 to Santander CC I'll pay the extra £200 from that to the Very BNPL. That'll bring that balance down to £63.98. I have a £48 refund due for something as well and just over £20 in prolific which I can cash out. If I do this then I can pay off the Very account next month... One more zero to see on my signature!

    Off to tinker with the spreadsheet!
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • stepuptothepl8
    • By stepuptothepl8 22nd Nov 17, 5:55 PM
    • 891 Posts
    • 4,547 Thanks
    stepuptothepl8
    Am liking your planning, well done!!
    LBM 1st Feb 2015 £18182 to go
    my diary: time to step up to the plate. SPC#079
    • 117pauline
    • By 117pauline 22nd Nov 17, 6:36 PM
    • 725 Posts
    • 7,815 Thanks
    117pauline
    Hi lonely rat

    Good to see you back with the news the debt is being demolished.

    Sorry to hear about poorly rat. I agree with you needing a rat fund. Oddly I have a bird category in my budget as I spend quite a bit on them and my squirrels.

    I bet you will feel like a new woman with a new mattress. I didn't realise how bad my previous mattress was until I got a new ultra comfortable bed. And a good use of Christmas presents. And a new room too? Even better.

    It sounds like you are allowing the negative devils in your head too much power. Every time you start feeling that way, question whether you are awful-ising or whether it is true. Sometimes you will win but each time you question it, you make yourself more in control. Actually that's exactly what you have done with your work patterns.

    You have asked for different working pattern for some excellent reasons. You are so right about the importance of your well-being.

    So finally, it all seems positive for you. There are setbacks in everyone's situation but you are coming up with strategies to manage them. An SOA is only a work in progress. You tweak it as often as you need and then you live it.

    Enjoy the move, take care and keep posting
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • lonelyrat
    • By lonelyrat 24th Nov 17, 9:06 PM
    • 559 Posts
    • 1,631 Thanks
    lonelyrat
    Hi Pauline! Thanks for checking in again - I find your replies to be very uplifting. Thanks for the thoughts about poor lady rat. She's in good spirits so all OK at the moment. A bird/ squirrel category sounds lovely! Are they pets or outdoorsy friends? I follow a lady on instagram who rescued an orphaned squirrel and she is so beautiful. She feasts on flowers and is always zooming around her home... Not a conventional squirrel life but she seems content!

    You're right about the devils in my head... I do give them too much power. I try and remain positive/ optimistic but some days it seems too much even to wake up. I am trying to keep hopeful about the future, however hard it seems some times. Currently I do feel more on top of my finances so that helps slightly. I check my spreadsheet daily which I'm starting to think is a bit of a compulsion *eek!* better than being out spending money though I suppose!

    I have a tentative debt free month of July next year I think if I just keep thinking about that then I'll stay positive!
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
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