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  • FIRST POST
    • immoral_angeluk
    • By immoral_angeluk 8th Nov 06, 1:05 PM
    • 23,754Posts
    • 22,635Thanks
    immoral_angeluk
    How have things changed for you since you first joined?
    • #1
    • 8th Nov 06, 1:05 PM
    How have things changed for you since you first joined? 8th Nov 06 at 1:05 PM
    Thought this would be a nice uplifting thread about how far we've all come since we first joined MSE and the DFW forum.
    I joined this time last month stressed and struggling to leep tabs on all our debts etc as we were finding that we were always struggling for money at the end of month after all the bills were paid. I knew what was going in and out of our account but it was so stressful watching all of your money disappear into thin air with nothing to show for it.
    Anyway, after we had our lightbulb moment we organised all our debts and got up to date balances and rough settlement figures. We also cut a lot of our spending.

    Cancelled Sky Was £34 - Now £0
    Change house insurance provider Was £8.91 - Now £4.47
    Negotiated deals on both our mobile contracts Was around £70 - Now £0 (Were given free credit on our phones as well as reduced line rental)
    Negotiated a cheaper deal on his rental tv which we can't cancel til March Was £45 - Now £27.99
    Taken our daughter out of nursery while I'm on maternity leave Was £402 Now £0

    Managed to do reduce our food shop Was £80ish This Month's £64
    Made £400 just through selling stuff on ebay
    Paid off debt to Rockwell DCA with Ebay Money - Was £165.10/£20 per month - Now £0
    .Waiting for money in Bank to clear to pay Dell Financial Loan off £317/£21 a month
    Will have the money to pay off Capital One Credit Card by end of month £438/£22 per month

    Have applied for Sure Start Maternity Grant (£500) even though the stuff we need for the new baby will only come to around £100 (Got loads off freecycle!) so could potential have another debt paid off by middle of december all being well.

    It's amazing how much you can achieve in a month and we're already feeling the rope around our necks loosen and the stress ease. It feels so good! Can't believe this month alone we've saved £563.44 off our bills (The £402 nursery bill was a killer!) plus as soon as Dell and Capital One are cleared that'll be an extra £41 a month off our bills!

    We've come a long way baby!!! What about everyone else??

    Last edited by Former MSE Natasha; 14-11-2006 at 7:33 PM.
    Total 'Failed Business' Debt 29,043
    Que sera, sera. <3
Page 1
    • Storm
    • By Storm 8th Nov 06, 1:17 PM
    • 1,747 Posts
    • 1,402 Thanks
    Storm
    • #2
    • 8th Nov 06, 1:17 PM
    • #2
    • 8th Nov 06, 1:17 PM
    Wow! You've managed loads in a month!

    For me it's been more about my regular spending habits rather than outgoings - I've cleared 3 debts completely (my mum, next & an overdraft) which makes me feel so much better, now I've just got 2 big ones to go.

    I'm moving at the end of this month and for the first time ever I'm looking into all the supplier for utilities/phone/broadband etc so I can try and get the best deal from the start.

    For me it's more about attitude than anything else - I only spend in cash now (apart from payments to bills) and I'm not paying out for things like expensive takeaway coffees any more.
    Total Debt 13th Sept 2006 (exc student loan): 6240.06
    O/D 1 1250 O/D 2 100 Next a/c 313.55@ 26.49% Mum 130 HSBC 4446.51@15.75%M&S 580.15@ 4.9%
    Total Debt 30th April 2008: 0 100% paid off!

    PROUD TO BE DEALING HAVE DEALT WITH MY DEBT
    • immoral_angeluk
    • By immoral_angeluk 8th Nov 06, 1:21 PM
    • 23,754 Posts
    • 22,635 Thanks
    immoral_angeluk
    • #3
    • 8th Nov 06, 1:21 PM
    • #3
    • 8th Nov 06, 1:21 PM
    Wow! You've managed loads in a month!

    For me it's been more about my regular spending habits rather than outgoings - I've cleared 3 debts completely (my mum, next & an overdraft) which makes me feel so much better, now I've just got 2 big ones to go.

    I'm moving at the end of this month and for the first time ever I'm looking into all the supplier for utilities/phone/broadband etc so I can try and get the best deal from the start.

    For me it's more about attitude than anything else - I only spend in cash now (apart from payments to bills) and I'm not paying out for things like expensive takeaway coffees any more.
    by Storm
    Oooh good luck with the house move! I hated moving house.. it was a right stress! lol!
    Total 'Failed Business' Debt 29,043
    Que sera, sera. <3
    • anniestar
    • By anniestar 8th Nov 06, 1:24 PM
    • 2,572 Posts
    • 13,135 Thanks
    anniestar
    • #4
    • 8th Nov 06, 1:24 PM
    • #4
    • 8th Nov 06, 1:24 PM
    WOW Fantastic. You have done SO well.Congratulations. for me its the level of support that is the most important. We don't have any close family at all or any friends that live nearer than 50+miles away.(and i'd not be able to discuss anything like this with them anyway) This site has stopped me feeling so isolated and lonely. I only wish we had been online when hubby was rushed into hospital. Its nice to follow the lives of our"friends" and to share things. And also to HAVE CASH FREE FUN!!
    Last edited by anniestar; 15-11-2006 at 11:36 AM.
    • cattie1
    • By cattie1 8th Nov 06, 1:30 PM
    • 2,023 Posts
    • 2,551 Thanks
    cattie1
    • #5
    • 8th Nov 06, 1:30 PM
    • #5
    • 8th Nov 06, 1:30 PM
    I have to admit I still have loads to achieve,
    but I now pay all my bills direct debit so I don't miss them,
    My monthly shop has gone from £400 to £200,
    I constantly look out for bargains!
    I know how to cook old style!
    I am signed up with yougov/ipoints/pigsback/pureprofile/quidco....e.t.c.
    I have not taken any more credit out! (which I would of by now!)
    oh has found himself a job! phew!
    I love this sight it is so helpful and...addictive!
    And along with anniestar think the help is amazing and have found new friends
    Last edited by cattie1; 08-11-2006 at 1:33 PM.
    official dfw nerd club member no 214
    Proud to be dealing with my debts!
    Why is a person that handles your money called a broker?!:confused:
    • pudding06
    • By pudding06 8th Nov 06, 1:33 PM
    • 616 Posts
    • 514 Thanks
    pudding06
    • #6
    • 8th Nov 06, 1:33 PM
    • #6
    • 8th Nov 06, 1:33 PM
    I have to admit that I only started this time last month butalthough I havent done much paying off of debts ( theyre all large sums) I am organised for the first time ever.

    I feel sooo much better and much more positive, And both hubby and I are sleeping really well now.

    (apart form when I wake up, in the middle of the night, thinking ooohh I know how I could make some more money )

    I do think once you have faced up to your debt it suddenly doesnt feel so bad - its the unknown that is frightening.

    Thanks to everyone on here for their support and advice LIFE IS SO MUCH BETTER.

    pudds
    August 2009 grocery challenge 172.64/,,,,,

    no point in doing grocery challenges, have no money left over to eat :0/
    • pudding06
    • By pudding06 8th Nov 06, 1:43 PM
    • 616 Posts
    • 514 Thanks
    pudding06
    • #7
    • 8th Nov 06, 1:43 PM
    • #7
    • 8th Nov 06, 1:43 PM
    I should have added:

    signed up for pigsback and have now 20 in vouchers to come

    signed up for quidco, in process of switching utilities,

    done 2 Mystery shops 20 extra income

    reduced housekeeping by 450 this month!!!!! and sticking to it

    signed up for 4 MS companies and got jobs lined up for dec.

    doing a storecupboard challenge

    done excel spreadsheets for debt tracking

    for household expenditure

    have all meals planned for the rest of the month - though I'm a bit behind cos I keep having leftovers I want to use up!!!!!

    I've all family members on board and money saving where poss.

    Ive applied for an allotment, to eventually grow my own.

    I've started asking for contributions to my petrol when I give lifts to work, so my petrol is more or less covered ( if not more!!!)

    i@m sure theres more just brain gone dead.

    phew, need a lie down now.

    pudds
    August 2009 grocery challenge 172.64/,,,,,

    no point in doing grocery challenges, have no money left over to eat :0/
  • davethecue
    • #8
    • 8th Nov 06, 1:55 PM
    • #8
    • 8th Nov 06, 1:55 PM
    Hi
    been in 'life changing' situation for about 6 weeks
    I have started shopping at Lidl instead of Sainsbury
    Been more selective with FIENDS or should that be friends !
    It's amazing how different people deal with your situation if you mention cash worries. Big learning curve
    It's strange how they are in worse trouble than you and then you see them coming out of mcdonalds/pizzaland

    Now I listen a lot more than thinking that I know it all/am right
    A BIG thanx to all for info/advice/support
    (also I'm getting better at typing.....)
    Don't let the past become your future
    Change for the better
  • dinkylou
    • #9
    • 8th Nov 06, 3:16 PM
    • #9
    • 8th Nov 06, 3:16 PM
    Well this site has totally changed my life in the last year and a half.

    I've had a whole change of outlook on my finances, paid over £5k off my debts, joined all the cashback sites, switched mortgages, saved money on insurances, bills etc, shop at aldi instead of sainsburys and been able to afford a nice holiday with all the savings.

    But for me the most important thing is that it got rid of my more urgent debts allowing me to be able to save a 'rainy day fund' which is going to be a lifesaver now that I am being made redundant.

    This means that this change in situation wont throw me into a complete hysterical panic but I can see it as a positive change in my career.

    The people on here and Martin have helped me change my outlook and my wallet.
  • Serialdieter
    Hi

    Excellent thread. For me it's about change of mindset. I've done the obvious; pigsback, quidco, swapped electricity, internet etc. I no longer spend 5+ per day on lunch, plus ??? having a wander around town at lunchtimes, every penny is accounted for - spending diary really makes me think twice about spending any money. Basically I now know I don't have a money tree in my garden and the chances of me winning the lottery really are very slim, so there's only me going to get myself out of this hole. I've a long way to go but I now at least feel like I am on the right road!!!

    Jx
    Debt at LBM 15231.43 now 11397.43 Coming Down
    Snowball says DFD March Feb 2010
    Official DFW Nerd No: 218

    Proud to be dealing with my debts
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Nov 06, 4:48 PM
    • 5,839 Posts
    • 41,476 Thanks
    HairyHandofDartmoor
    I've cancelled the milkman, no longer hire a dvd every week, cancelled monthly bank account charge, halved my food bill, cancelled children's after school activities, stopped buying Radio Times (look online), cancelled mobile phone insurance, turned off lights etc continually to save electricity, walk more to save petrol, clip pets nails ourselves instead of vet doing it, held birthday parties for approx £25 per party instead of £70 by holding them at home, changed breakdown cover from AA to First Call, changed mobile tarriff, cut kids hair ourselves + OH trims my hair now, and stoppped having restaurant meals even on our birthday or anniverary. Phew!

    It's working though because we have paid off £11,000 in 8 months!
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Lara44
    • By Lara44 8th Nov 06, 5:14 PM
    • 2,926 Posts
    • 12,383 Thanks
    Lara44
    I have:

    Sold everything not bolted down - made about £250
    Started working Saturdays - extra £140
    Switched gas and electric - hopefully saving £15 per month
    Changed phone providers - saving £15 per month
    £30 limit for going out and general spends
    £20 limit a week for food shopping
    Started riding my bike everyday - saving £80 per month
    Signed up to Quidco 7 Pigsback - made around £150
    DVD rental tarting big time
    No more boozing or meals out
    Haircuts only at free student places

    Every little helps doesn't it - I'm still a LONG way off my £14,000 though
    June 2014 / 2014 in 2014 / 735.97 / 36.5%
  • angelite
    I LOVE this site. Since I started last month it has been such a motivator.
    I've still got a long way to go too, but here's the things I have done:

    * kept note of my daily spending
    *been a LOT more organised with my grocery shopping, not over spending etc.
    * signed up for Mystery Shopping Companies
    * signed up to all the cash back/points sites
    * have tried for lots of freebies
    * looked at how I can save money buying christmas presents, ie offers, price comparison sites


    Plan: look at mobile phone bill and utilities to see where I can save there. x
    • madmalteaser
    • By madmalteaser 8th Nov 06, 6:20 PM
    • 296 Posts
    • 270 Thanks
    madmalteaser
    Like everyone else this site has been a great motivation for me to start controlling my debts instead of letting them spiral like they were at the beginning of the year. Since I joined so far I have:

    * almost paid off my Capital One Credit Card (1 payment to go, woohoo!)
    * cleared debts with 2 catalogues, 2 book clubs and a cards club (and closed all accounts down so no more temptation to spend
    * joined freecycle - not got anything from there but its a start
    * joined www.readitswapit.com so any books I want come from there now
    * stayed inside my overdraft limit since March - one hell of an achievement for me and no more bank charges, hurrah!
    * sold plenty of things on Ebay and thrown the money at debts
    * got a lot more sensible with my spending, hunting out bargains and BOGOF offers like you wouldn't believe
    * changed Car Insurance was £49 p/month now £28 p/month
    * will soon be changing my mobile phone contract to save me another £15 a month.

    Ultimately, this site has encouraged me to change my lifestyle and deal with the debts I have. I know I'm going to be in debt for some time yet but I'm feeling better and better about it everyday.

    PROUD TO HAVE DEALT WITH MY DEBTS
  • Money~Bunny
    This is a brilliant thread. Since signing up:

    o Managed to keep a spending diary for more than two days at a time (nearly a month now!)
    o Paid off my (small) CC debt at last
    o Signed up for every cashback site going (earned about 62 so far)
    o Finally got sensible advice about my student loan
    o Started planning my shopping and meals properly
    o Finally have proper track of what's going in and out - knowledge is power...
    o ...so I know when I can treat myself without feeling guilty!
    o planned how to pay off my interest free overdraft before it lapses

    The above replies are just amazing and show how much difference DFW makes - i'd never have been so calm about money without you all,
    Old-styler, crafter and freebie junkie!
    Frogga's Amazing Weight Loss Campaign: Member no.20 since 2/9/07 -- lost 10lb
    Wedding bells 04/10/08
  • Mrs Sparkle
    Well I've got a long way to go but in just over 5 months I have:

    -paid off 11.14% of my total debt
    -earned £215 in Quidco (sig needs updating)
    -joined Pigsback
    -sold tons on eBay and Amazon (£300+ I reckon)
    -started matched betting with excellent profit so far

    And got pregnant in the meantime! Needless to say my baby will be dressed in the best bargains eBay has had- picked up a cream snowsuit for a mere £3 incl postage yesterday for example.
    Debt at highest May 2006: 27,472.24
    currently: 13,353.25
    DFW Nerd 178
    Proud to be dealing with my debts
    • Paige
    • By Paige 8th Nov 06, 7:12 PM
    • 262 Posts
    • 365 Thanks
    Paige
    I have been lurking for a couple of months and am addicted. Its the mind thing for me, looking at prices, asking myself if I really need to buy something, cutting down housekeeping by half, I have payed off 2 store cards and cancelled them, and reaaranged my other credit cards to a 0% for a year. These boards have made me realise that we cannot carry on spending money that we dont have, We are determined to be credit card debt free, overdraft free and 1 loan gone by next christmas. X
    • richardvc
    • By richardvc 8th Nov 06, 7:47 PM
    • 1,098 Posts
    • 1,454 Thanks
    richardvc
    I was a long-time lurker on this site before I registered on the forum.

    I had my LBM in June 2005 and went from being the most disorganised person with a 'couldn't care less attitude' about money and a total debt of over £36k.

    Now nearly 18 months later I am in total control of my life and my money. I owe just under £10k (I did have to sell my house to pay HMRC). I took control but these message boards gave me the encouragement to carry on and follow through.

    My life now is so much more fun. I have less cash than ever but still have a good life I just pay less for it !!

    Thanks to fellow DFWs and MSEers I have :
    Knocked 25% off my SKY bill without losing channels
    Cut my broadband price down to £9.99 and still have the same ISP
    Cheaper mobile costs
    Cheaper breakdown insurance
    Control my money with MS Money and BUDGET !!!!
    Changed current account
    Started proceedings against A&L and AMEX for my charges back which will total about £1500 !!
    Pay less for gas and electricity
    Cheaper pet insurance
    Started shopping at Lidl (which is better quality and half the price of Tesco)
    and loads of other things too !! IE ebay, surveys (did my first yesterday and earned 35p !! etc etc

    Apart from that not much !!!

    All this is due to Martin and all my fellow MSE'ers. You guys are priceless and I will never be able to thank you enough !!

    immoral_angeluk I hope that's a good enough answer for you !! Good thread btw !!
    Thanks to MSE I cleared 37k of debt in five years. I was lucky enough to meet Martin and thank him personally
    • anniestar
    • By anniestar 8th Nov 06, 7:50 PM
    • 2,572 Posts
    • 13,135 Thanks
    anniestar
    I've cancelled the milkman, no longer hire a dvd every week, cancelled monthly bank account charge, halved my food bill, cancelled children's after school activities, stopped buying Radio Times (look online), cancelled mobile phone insurance, turned off lights etc continually to save electricity, walk more to save petrol, clip pets nails ourselves instead of vet doing it, held birthday parties for approx 25 per party instead of 70 by holding them at home, changed breakdown cover from AA to First Call, changed mobile tarriff, cut kids hair ourselves + OH trims my hair now, and stoppped having restaurant meals even on our birthday or anniverary. Phew!

    It's working though because we have paid off 11,000 in 8 months!
    by HairyHandofDartmoor
    WOW wow how fantastic. VERY well done. A XX
    Blind as you run...aware you were staring at the sun.

    And when no hope was left inside on that starry starry night.

    Level 42- the reason I exist.
  • kelzcash
    I think the best thing that this site has helped me with is being in control of my money, debt and spending. I've switched credit cards to save paying interest, am a LOT more careful about spending and what I buy, and just generally how I go about my life is a lot different than it was two months ago. I am happier because of this site, and you guys of course.

    Oh yeah, and I know longer fear the postman!!!
    Lightbulb moment Sept 06.

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