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  • FIRST POST
    • Learning2Budget
    • By Learning2Budget 30th Jun 11, 3:15 PM
    • 1,093Posts
    • 4,937Thanks
    Learning2Budget
    All my good intentions......
    • #1
    • 30th Jun 11, 3:15 PM
    All my good intentions...... 30th Jun 11 at 3:15 PM
    and I find i'm still weak! So thought maybe if I started a thread, I could read back and maybe motivate myself more.

    Popped into asda this afternoon cos the fridge was bare, 20 later, but i did get enough to see us through till shopping day next wed. Bought one of their meal deal dinners to try, main, side dish and pudding for 6. It's to feed 4, and my toddler and baby don't eat loads, so thats 2 days worth of dinner for 3 a day. I still need to get used to this budgeting....must try harder.
    Then had to get a birthday pressie for my friend's little girl, so that was 11.94 inc delivery but i got 10 nice books for that. I know she has two of them already, so i will give her 5 of them and put the others away for my kids for xmas.
    Getting my haircut at the college tomorrow, so thats another 3.60, but i have budgeted for all these, so don't feel so bad.

    Excuse my ramblings, i can see that again, i'm trying to justify my spending. So time to put my purse in the cupboard and try and have a thrifty weekend.
    L2B.x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
Page 8
    • Learning2Budget
    • By Learning2Budget 10th Jul 15, 9:20 PM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    So it's been a few months. Things have been really tough, with OH hospitalised a few times over. However, I have continued to try and stay on track. Today i updated our budget and have realised that on a single salary i can pay a little extra. So our debt has dropped below 16k and i have knocked 11 months off our final payment date. 3.5 years left, and I am adamant that i can get this lower faster.
    Need to start meal planning better but i know the basics and can stick to them.
    Laters, L2B.x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
    • Learning2Budget
    • By Learning2Budget 17th Jul 16, 11:30 AM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    So it's been a year since i last posted. Just updated the budget and we should be debt free by 2018. It's been a really hard slog, OH still not working cos mentally he can't cope. We've had family bereavement and I've started going to counselling to cope with all the stress. However the end is slowly coming into sight. Hopefully I will get a payrise next year and we can trim back to april 2018 for our end date.
    Staying positive but need to get my budget pants on again! L2B.x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
    • White-as-Snow
    • By White-as-Snow 17th Jul 16, 1:06 PM
    • 242 Posts
    • 739 Thanks
    White-as-Snow
    Hi!
    Sorry to hear of all the stresses you've had to go through- gotta be tough. But you have shown that no matter what life decides to throw you you can keep on track with your debts and there is light at the end of the tunnel!!
    Well done for how far you've come! And good luck on the rest of your journey xxx
    Total Debt:
    Dec 2015: 20,090.87
    Dec 2016: 16,320.85
    • Moneywhizz
    • By Moneywhizz 17th Jul 16, 2:30 PM
    • 123 Posts
    • 562 Thanks
    Moneywhizz
    Considering all the obstacles you have had, you are continuing to do a great job getting this debt down. Just need to keep your end goal in mind and think what a difference it will make to your life. I hope things pick up and that debt free date may be closer than you think. X
    • Learning2Budget
    • By Learning2Budget 18th Jul 16, 9:25 AM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    Thanks guys. Just realised this morning that we have only a quarter of our debt left to pay. Sorry for gushing but it is a little exciting that we are getting there. 8 years down the line and we can finally see the light. L2B.x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
    • Learning2Budget
    • By Learning2Budget 18th Nov 16, 10:51 AM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    606 days till debtfree. Have just fallen below 10K. So so fed up of this debt but i am determined to stick it out!!!!!! L2B.x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
    • Learning2Budget
    • By Learning2Budget 12th Jan 17, 10:39 AM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    New year and bad start. Marriage has totally broken down. Will i ever be debtfree????? L2B.x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
    • Learning2Budget
    • By Learning2Budget 22nd Feb 17, 10:59 AM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    So. My marriage is over. I am in the process of sorting that whilst continuing to work and look after kids and pay off debt. I have taken on the debt and he walks away after signing equity of house to me. It's not much but it balances out.

    I have 8k left to pay off and this horrid event will be over. I have put in for a f&f settlement of 5k. My friend is lending me it to get me out of the relationship. Then i can take on mortgage and continue to pay friend back asap.
    It's gonna be hard and messy but I need a fresh start.
    I've learned lots from this site over the years and have just rebooted my spending diary. I am also about to change my mobile to sim only and cancel his. Saving of 60quid per month. I need to find a way to save. So back to the boards for inspiration that i have lost in the last year or so.
    L2B.x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
    • timetobefrugal
    • By timetobefrugal 22nd Feb 17, 1:09 PM
    • 77 Posts
    • 213 Thanks
    timetobefrugal
    Just wanted to say welcome back. Looks like you've done a great job debt busting over the past few years. Sorry to hear about your marriage breakdown, keep the end goal in sight so you can enjoy a new start and a debt free life! Good luck x
    Debt Total October 2017 20,511.27
    • Moneywhizz
    • By Moneywhizz 22nd Feb 17, 4:03 PM
    • 123 Posts
    • 562 Thanks
    Moneywhizz
    Sorry to hear about your marriage break up. It's easy at a time like this to lose focus but it sounds like you are staying on track and are making plans to get debt free even sooner. It's a stressful time but it will pass and it sounds like you have had to pretty much cope on your own for a long time now anyway. Wishing you well and a more peaceful debt free future.
    • Learning2Budget
    • By Learning2Budget 18th Mar 17, 3:07 PM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    Feels like time is dragging atm. As soon as f&f are sorted i can move on with my life. Stepchange have been excellent but just want to know if creditors are accepting. My other concern is that barclaycard will finally default me for a full and final offer. I want to put mortgage in my own name once wx moves out and barclaycard could jeopardise this with a default.
    Any suggestions?
    L2B.x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
    • Learning2Budget
    • By Learning2Budget 19th Jan 18, 2:29 PM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    Soo. A year on almost. I have 3k of debt left to pay. Then divorce debts of 5k. The end is looming. Household debt will be cleared in October. It's been tough but i can see light at the end of the tunnel.
    Need to look at my budget again so thought i would come back to the wise and see where i am going wrong. Debt management plan has gone. I borrowed cash off a friend. So that is the debt that gets paid off in october. 6k in a year. Proud of myself for that.
    Onwards and upwards
    L2B x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
    • Learning2Budget
    • By Learning2Budget 30th Mar 18, 6:36 PM
    • 1,093 Posts
    • 4,937 Thanks
    Learning2Budget
    Hi. Been a while again. Still plodding onwards but the end is in sight. 2.5k left of divorce debt to go. 1985 left of overall debt.
    So 4.5k and it's all over.
    Still waiting for divorce to be finalised.
    A weight will be lifted soon.
    Again the car is slowly declining. So once I've paid everything off i will have to look at a new car.
    Firstly i want to take the kids away. They have struggled with the divorce and i want to treat them.
    MSE has truly kept me sane over the years.
    I need to get back into my budgetting ways. The food budget has gone somewhat out the window but i am aware of what i need to do.
    Think i need to start nsd's again. See just how many i can rack up in a month.
    Motivation is key!
    L2B x
    LBM 2008 45,091.23 eek: now 7889 Debt free date 18/07/2018
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