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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,266Posts
    • 7,924Thanks
    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 163
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Apr 18, 11:41 AM
    • 1,587 Posts
    • 7,824 Thanks
    wishingthemortgaheaway
    Sorry to hear things haven't worked out with DL, but as you said, you tried and gave him a second chance.

    A couple of things I've spotted from your diary:
    Work's lottery - do you ever win? Would it be worth piggy banking the money instead?
    Also - there are a lot of collections at your workplace, are you ever on the receiving end of them?

    I hope the week gets better - no pegging out here and I've just put the heating on as Pickle is wearing thermal trousers, vest, top & jumper and he's still got ice blocks for hands.
    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
    • mummytogirls
    • By mummytogirls 13th Apr 18, 4:30 PM
    • 6,255 Posts
    • 23,150 Thanks
    mummytogirls
    Brilliant news on the final payment Alice, so pleased for you .

    Re the DL you definitely have tried, much more than some would have done.

    Enjoy your pamper tomorrow.

    xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Verbatim
    • By Verbatim 13th Apr 18, 4:48 PM
    • 4,609 Posts
    • 13,852 Thanks
    Verbatim
    Oh Alice it sounds as if you've had an awful time of it. It must have been so draining for you all and a real upset in the family dynamics. You've done everything you could and if it hasn't worked out it really isn't your fault.
    Great news on finishing the debt. Have you got any plans for the £50?
    Re cabot do you think they mean they'll start charging interest on your oh's debt?
    We're due some hot weather next week so hold fire on the washing! Well done on the nsds.
    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
    • Alice in Poorland
    • By Alice in Poorland 13th Apr 18, 5:18 PM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    Sorry to hear things haven't worked out with DL, but as you said, you tried and gave him a second chance.

    A couple of things I've spotted from your diary:
    Work's lottery - do you ever win? Would it be worth piggy banking the money instead?
    Also - there are a lot of collections at your workplace, are you ever on the receiving end of them?

    I hope the week gets better - no pegging out here and I've just put the heating on as Pickle is wearing thermal trousers, vest, top & jumper and he's still got ice blocks for hands.
    Originally posted by wishingthemortgaheaway
    Hi Wish, I'm devasted to be honest. Plus it's been really hard keeping it low key in front of DS3.

    Hmm the works lottery, it's one of those we have have won, certainly not what we've paid but you know. .
    We do have a lot of collections at work and it has been noted. I think it's because there have been so many special birthdays, a few getting married, new arrivals.......and then some clown decided we should include special anniversaries.......of which me and OH just about make it to the next year let alone a special anniversary. But yeah my special birthday was celebrated.

    I'm really trying to leave the heating off today. It's certainly warmer this afternoon but everywhere feels so damp.

    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 13th Apr 18, 5:21 PM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    Brilliant news on the final payment Alice, so pleased for you .

    Re the DL you definitely have tried, much more than some would have done.

    Enjoy your pamper tomorrow.

    xx
    Originally posted by mummytogirls
    Thanks mummy, it's the start of many I hope.

    Thanks for your message re DL. It's been a tough few days.

    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 13th Apr 18, 5:28 PM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    Oh Alice it sounds as if you've had an awful time of it. It must have been so draining for you all and a real upset in the family dynamics. You've done everything you could and if it hasn't worked out it really isn't your fault.
    Great news on finishing the debt. Have you got any plans for the £50?
    Re cabot do you think they mean they'll start charging interest on your oh's debt?
    We're due some hot weather next week so hold fire on the washing! Well done on the nsds.
    Vx
    Originally posted by Verbatim
    Hi V, thank you for your post. It's been really tough but we tried, that's the main thing. Our family dynamics are in complete disarray.

    On the debt busting in front, I am so please. Once the last payment has been made we will put that extra £50 towards one of the smaller debts I think. We've got two that sit around £280 and £220.

    OH has just spoken to Westcot. We will carry on paying £5 per month, no interest to be added, review in 6 months.

    Woohoo looking forward to some sunshine.

    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • dawnybabes
    • By dawnybabes 14th Apr 18, 7:33 PM
    • 1,580 Posts
    • 3,859 Thanks
    dawnybabes
    You did your best and lots wouldn!!!8217;t, especially when you have enough on your plate,

    Well done !!!55357;!!!56397;
    Sealed pot challenge 822

    Jan - £176.66
    • Spendless
    • By Spendless 15th Apr 18, 1:01 AM
    • 20,233 Posts
    • 33,537 Thanks
    Spendless
    Alice - Sorry to hear things haven't worked out re DL.

    But you never know. Some years ago a close relative fostered a 15 nearly 16yo girl. Someone her daughter knew. I thought it a bad idea for several reasons that I won't go into here. Within 6 months the fostering had gone wrong and the girl moved out. Later we heard that she'd had a child at a (relatively) young age eg 17/18.

    Fast forward to a couple of years ago and the foster child, now an adult well into their 20s, emailed my relative and thanked her for the time she'd stent in her care, because this had made her realise she had a different pathway to the one she'd thought she had. She was working in a school and about to study for a degree.

    So, who knows how it'll turn out long term. You've done your best and that's all you could have done.
    • Alice in Poorland
    • By Alice in Poorland 16th Apr 18, 9:44 PM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    Thank you dawnybabes and Spendless, that is a very sweet story. Finger crossed DL comes good.xx

    This weekend all went into a bit if a blur to be honest. Saturday we had football in the morning, then had my hair appointment £28 , and then went to watch our local footie team in the afternoon. Spent £30 on tickets and £12 on food....yeah I know.

    Yesterday we food shopping £60.08. Did manage to get some bargains on meat, must of been in the right place at the right time.. Had to get petrol, again £25. Bit of a spendy weekend.

    Managed to do some jobs outside yesterday, just general sweeping up and weeds from the drive. Does anybody else leave the house in the morning and the drive is weed free, then come back later and a few sneaky weeds have popped up out of nowhere!!

    Today was a NSD, number 7.

    I have £4.30 in my purse to last until Thursday.

    Xx
    • Verbatim
    • By Verbatim 17th Apr 18, 9:07 AM
    • 4,609 Posts
    • 13,852 Thanks
    Verbatim
    You having your hair done is more important than a ticket to football!
    Hope you enjoyed the appointment.
    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
    • Alice in Poorland
    • By Alice in Poorland 22nd Apr 18, 8:48 AM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    Haha thank V. It definitely is.

    It's been a quiet week, upto 10 NSDs. We actually went to 2 football matches yesterday and didn't spend a penny so I'm rather pleased with that. Also last night because we'd had such a busy day I really wanted to just order a takeaway, but resisted and had poached egg on toast with beans, and yes it hit the spot and saved some money.

    I've just done a list for the food shop this morning. Have two loads of washing pegged out and another load in the machine.

    Will go shopping, then do a few jobs outside and then got my family coming for dinner later. Family dynamics (OH's side) are in still in complete disarray, and of course I'm the bad guy but heyho.

    On the car front, one of the cars has developed another oil leak so that's on the garage tomorrow. We have been offered another car for a bargain price of 1K, well looked after,low mileage, service history, you know the usual stuff and if we had the money we'd snap it up.......but we don't so hopefully the oil leak is nothing major.

    Hope everyone has a good day.

    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 29th Apr 18, 10:39 AM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    Well can't believe it's Sunday again....already. Last week was all a it of a blur to be honest so I'll go straight to this months spends.

    Food/toiletries £447, petrol £225. Have just done meter readings and we are -£86 even after yesterday's payment but it's coming back down slowly. Haven't had the heating on for ages so it's should put it self right in a few months. We went out with friends last night spent £45.

    Transferred DS1 £500 and paid bills. Next bill on the hit list stands at £171 S@ntander. I'm going to call for an update on the figure and hopefully we can pay it off next month.

    On the plus side cars oil leak was sorted FOC...phew!

    We've got quite a few social events coming up so I'm going to write down how much we will need, check and sort gifts and outfits. If only I could lose a stone or two I'd have an array of clothes to wear form my current wardrobe.

    Meal plan done for the week, budget and spend diary upto date.

    Xx

    P.s. Weather is pants, so no pegging out.
    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 29th Apr 18, 10:48 AM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    I've amended signature, reduced Bcard loaned to 0 but have added OHs Bcard/MBNA which has come out of the woodwork. Got to keep plodding!

    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • brizzlegirl
    • By brizzlegirl 2nd May 18, 9:23 PM
    • 326 Posts
    • 2,066 Thanks
    brizzlegirl
    Well done on all the debt busting and resisting that takeaway..

    Have a good end of the week..x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29%May 25%June 15%July ] 2018 Income Goal £76/£750 August Goals: AFDs 7/25; Decluttering 05/60; LSDs xx/10; NSDs xx/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • Alice in Poorland
    • By Alice in Poorland 5th May 18, 8:16 AM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    I haven't got or had much to write about this week......suppose that could been seen as a good thing.

    I can't remember how many NSDs we ended up on for April...anyway we are on 2 so far for May.

    I did a small top up shop on Thursday, and got petrol. Paid some more off school trip, just owe £60 now. We've had our breakdown cover renewal come, £49 going to call and see if I can more discount. Also had car insurance renewal, now we might have the cash to pay it all in one go......hmmm do I do that, or leave it at monthly payments.

    Hope everyone has a lovely day. Enjoy the sunshine.

    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th May 18, 9:20 AM
    • 1,587 Posts
    • 7,824 Thanks
    wishingthemortgaheaway
    Nooooooo don't leave it on monthly payment, you pay interest on it.

    Pay in cash (via cashback/ rewards cards as much bonus as you can) then, put away the monthly amounts so you have the money you need for next year. When I started doing this I put aside the monthly payment, including the added interest element. When the renewal came through the following year I had enough to pay cash again and a little bonus to put towards something else/ also a buffer if the price increased.
    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
    • Alice in Poorland
    • By Alice in Poorland 6th May 18, 8:43 AM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    Nooooooo don't leave it on monthly payment, you pay interest on it.

    Pay in cash (via cashback/ rewards cards as much bonus as you can) then, put away the monthly amounts so you have the money you need for next year. When I started doing this I put aside the monthly payment, including the added interest element. When the renewal came through the following year I had enough to pay cash again and a little bonus to put towards something else/ also a buffer if the price increased.
    Originally posted by wishingthemortgaheaway
    Thanks Wish, I know you're right, and there is a hefty interest charge. You know what it is, I'm still in a minefield when it comes to actual money. Because we've managed to save a little and there would be enough to pay for the insurance I'm full, I'm stressed about it, I think more than if I didn't have the money in the first place. It's such a bizarre feeling.

    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Verbatim
    • By Verbatim 6th May 18, 8:51 AM
    • 4,609 Posts
    • 13,852 Thanks
    Verbatim
    I thought I'd posted after wishing agreeing with her but obviously not! Maybe that weird feeling is one you'll be getting used to as you get more money saved in your various pots!
    Have a lovely bank holiday weekend.
    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
    • Alice in Poorland
    • By Alice in Poorland 6th May 18, 9:08 AM
    • 2,266 Posts
    • 7,924 Thanks
    Alice in Poorland
    Yay another fabulous day, washing out, had a bit of a pamper session this morning......after having a wardrobe meltdown yesterday. I was all set for starting a healthy eating plan then I've eaten half a packet of biscuits with my tea this morning.

    Yesterday spent £10 in cheapy shop and £40 on sburys. But also spent £23 on clothes, this was after using £25 of n3ctar points. Off out for an 80th birthday afternoon tea today so treated myself and DS3 on new outfits......both of us have grown

    Managed to get £20 off AA membership. I've done the meter readings again today as we are having trouble with the heating/hot water (heating coming on when switched off, pilot light going out etc etc), we have used £18 in 7 days.

    We've got £40 cash for this afternoon. don't intend on spending it all.. Will use what's left to top up 365 jar.

    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, C@ptl £2540 ,Ybank £3520,Virgin/MBNA £0,YB1 £0, S@ntader £0, Bcard loan £0,
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • brizzlegirl
    • By brizzlegirl 6th May 18, 10:10 AM
    • 326 Posts
    • 2,066 Thanks
    brizzlegirl
    Have a great birthday tea...from your posts it sounds as if managing to make a F&F and save a little is a real boost to your morale. Long may it continue

    So far I am resisting the pain au chocolates in the house..but that should be the case as OH and I drank a load of alcohol yesterday and then had an impromptu dinner out as we unexpectedly had no kids...of course I had dessert..

    I pegged out yesterday. Thought of you (obvs!! ) - its so glorious when we have proper sun..
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29%May 25%June 15%July ] 2018 Income Goal £76/£750 August Goals: AFDs 7/25; Decluttering 05/60; LSDs xx/10; NSDs xx/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
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