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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,244Posts
    • 7,880Thanks
    Alice in Poorland
    We are about to pull the purse strings soooo tight!
    • #1
    • 6th Nov 11, 8:50 PM
    We are about to pull the purse strings soooo tight! 6th Nov 11 at 8:50 PM
    Hi All,

    Like a lot of people on here I have been lurking on this site as a watcher for a number of years and during this time I have also watched our finances spiral out of control. Today I have had my LBM and oh boy could I cry.

    I have just done our SOA (which I will post once I've got all the info present and correct). Without the morgage I think we owe approx 30K, we've run out of money this week and have still got to pay out £350 before Thursday (all direct debits), this shortfall has been caused by my OH changing to weekly pay and all the bills come out in the first week on the month (well partly, the other reason is just that we owe so much). Will ask the bank tomorrow for an extension to the overdraft.......I can hear the 'I don't think so' all ready.

    Everthing is such a mess, our finances have spiralled out of control, I'm such a mess (could do with a complete makeover and dramatic weight loss), I can't keep up with the housework, the garden, the kids, Oh and I work full time too.

    I am truly hoping that we can get back on the straight and narrow and sort out our money problems. Then I will hopefully feel that everything else that needs sorting easier to tackle.

    Apologies for rambling on, I'm just feeling very alone and like a complete failure at the moment.
Page 157
    • Verbatim
    • By Verbatim 8th Jul 17, 9:36 PM
    • 4,591 Posts
    • 13,712 Thanks
    Verbatim
    Yes. Missing your updates Alice. Hope you're OK.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • brizzledfw
    • By brizzledfw 9th Jul 17, 7:18 PM
    • 7,267 Posts
    • 35,711 Thanks
    brizzledfw
    Echoed to Alice and family x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • amber03
    • By amber03 20th Aug 17, 9:05 PM
    • 814 Posts
    • 4,958 Thanks
    amber03
    Hi Alice hope everything is ok with you. Not heard from you for sometime. Enjoy reading your diary.xx
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £451.00
    • Steerpike88
    • By Steerpike88 6th Sep 17, 1:14 PM
    • 74 Posts
    • 188 Thanks
    Steerpike88
    hope you're doing ok Alice. I always enjoy your updates.



    • Eager_Elephant
    • By Eager_Elephant 10th Sep 17, 9:31 AM
    • 4,430 Posts
    • 25,432 Thanks
    Eager_Elephant
    Where thou art you Alice?

    Please come back as I need moral support with my tin opener issue and also loads of people on my Facebook have put their heating on and its not even October
    They are clearly not on MSE
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • mummytogirls
    • By mummytogirls 10th Sep 17, 10:55 AM
    • 6,189 Posts
    • 22,757 Thanks
    mummytogirls
    Missing you Alice xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Verbatim
    • By Verbatim 10th Sep 17, 11:50 AM
    • 4,591 Posts
    • 13,712 Thanks
    Verbatim
    And we miss miss your olympic grade pegging out in all weathers!
    Vx
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • brizzledfw
    • By brizzledfw 10th Sep 17, 2:32 PM
    • 7,267 Posts
    • 35,711 Thanks
    brizzledfw
    From me too... put the stove on this afternoon and thought of you.

    Love to you all

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • Alice in Poorland
    • By Alice in Poorland 23rd Jan 18, 2:06 PM
    • 2,244 Posts
    • 7,880 Thanks
    Alice in Poorland
    ....can I creep back into the room and just sit at the back please?

    Hello everyone, thank you for all the posts since I last posted. Can't believe its been that long.

    I need to have a catch up on diaries, hope that you are all well.


    xx
    DMP with CCCS started Jan'12 £34,906 Jan'13 £31,893 Jan'14 £26,836 Jan'15 £21,894 Jan'16 £16,839 Jan'17 £14,415 Jan'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard1 £1102,Bcard2 £4775,Bcard loan £0, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £220,YB1 £0, S@ntader £0
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • debtaghh
    • By debtaghh 23rd Jan 18, 2:08 PM
    • 1,289 Posts
    • 4,861 Thanks
    debtaghh
    How’s everything going Alice? I read your whole diary and loved your updates.
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £43,953 , Family £ 39,264 total debt £83,217

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • pennywisepoundstupid
    • By pennywisepoundstupid 23rd Jan 18, 5:40 PM
    • 4,803 Posts
    • 16,381 Thanks
    pennywisepoundstupid
    Good to see you back Alice. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £1000/£349.02 Kitchen savings stage 1 £1500/£160.24
    Amazon vouchers
    £9
    • Spendless
    • By Spendless 23rd Jan 18, 7:05 PM
    • 20,198 Posts
    • 33,469 Thanks
    Spendless
    I was only thinking about this thread this weekend and wondering if there'd been any news from Alice.

    Welcome back, look forward to hearing your update.
    • mummytogirls
    • By mummytogirls 23rd Jan 18, 8:55 PM
    • 6,189 Posts
    • 22,757 Thanks
    mummytogirls
    OMG Alice, you're back . So glad to see creeping back in, looking forward to hear what youve been up to xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Verbatim
    • By Verbatim 23rd Jan 18, 10:30 PM
    • 4,591 Posts
    • 13,712 Thanks
    Verbatim
    Hi Alice!! Wonderful to see you back. How are you? Looking forward to hearing how you!!!8217; been getting on. Have really missed your updates. Hope all is well in Poorland.
    Vx
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • Mrs Money Penny
    • By Mrs Money Penny 23rd Jan 18, 10:45 PM
    • 721 Posts
    • 6,274 Thanks
    Mrs Money Penny
    Hi Alice have missed you and your diary.
    MFIT Challenge save £40k
    £48828.05:/£/18909
    • brizzledfw
    • By brizzledfw 23rd Jan 18, 11:26 PM
    • 7,267 Posts
    • 35,711 Thanks
    brizzledfw
    So so fab you!!!8217;re back.......but no creeping allowed It!!!8217;s gotta be this instead

    Hope you!!!8217;re all well, much love Brizzle xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • dawnybabes
    • By dawnybabes 24th Jan 18, 12:18 AM
    • 1,580 Posts
    • 3,857 Thanks
    dawnybabes
    Yah, missed you x
    Sealed pot challenge 822

    Jan - £176.66
    • trishx
    • By trishx 24th Jan 18, 12:19 AM
    • 88 Posts
    • 269 Thanks
    trishx
    Welcome back
    • Alice in Poorland
    • By Alice in Poorland 25th Jan 18, 11:37 AM
    • 2,244 Posts
    • 7,880 Thanks
    Alice in Poorland
    Thank you for all the lovely messages. I really really do appreciate them.xx

    A quick update..........we've had a family member living with us for the last 4 months. It's been really tough but I think we are getting there slowly. They are of the teenager variety so I think you'll get my drift.

    We are currently paying £400-£500 per month towards DS1s living costs. He's got just over 15 months to go, studying hard and having the time of his life. He didn't come home at Christmas in the end. I found that very tough.

    DS2 and DS3 have been fantastic with everything that has gone on at home. DS2 is studying and has little part time job.

    On the money front, paying off the debts has been put in the back burner at little bit. I will do an update but a couple of them are below the £500 mark so we need to push to pay them off. Bcard have passed my debt on to an agency (PRA I think), the balance is £4700ish. They kept calling my mobile, home and my works number, it really stressed me out until I finally said to them correspondence by post only....as per the other plans we have with them. Now they have written to me to arrange a payment plan....hmmm.

    I will post an update on all the individual debts. I'm not even sure how much the total figure is at the moment. How terrible is that.

    I did manage to save a little bit for Christmas presents, and DS3 got his game console so I was really chuffed with that. He's currently only allowed on it one night a week for an hour and then at weekends. Some of his friends are on all hours, it's really terrible. We're still very busy with sport - football and rugby. I've still been taking packed lunches and drinks.

    Hope everybody has good day.....anybody pegged out.

    xx
    DMP with CCCS started Jan'12 £34,906 Jan'13 £31,893 Jan'14 £26,836 Jan'15 £21,894 Jan'16 £16,839 Jan'17 £14,415 Jan'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard1 £1102,Bcard2 £4775,Bcard loan £0, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £220,YB1 £0, S@ntader £0
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 25th Jan 18, 11:55 AM
    • 2,244 Posts
    • 7,880 Thanks
    Alice in Poorland
    Also we are still collecting 5p, 20p coins and OH has started the 365 day savings challenge.

    He's still not involved or interested in anything else to do with money, but its a start!!

    xx
    DMP with CCCS started Jan'12 £34,906 Jan'13 £31,893 Jan'14 £26,836 Jan'15 £21,894 Jan'16 £16,839 Jan'17 £14,415 Jan'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard1 £1102,Bcard2 £4775,Bcard loan £0, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £220,YB1 £0, S@ntader £0
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
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