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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,285Posts
    • 7,958Thanks
    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 167
    • Alice in Poorland
    • By Alice in Poorland 5th Aug 18, 9:37 PM
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    • 7,958 Thanks
    Alice in Poorland
    I'm just going to have a little rant if that's OK.......OH is driving me mad. I do not know what is the matter with him, he's too hot, he's not hungry then changes his mind, eats and then is too full....well nobody made you eat it!! Moaning were not going on holiday, moaning that our bins are full, not talking to anyone for hours on end.....I did ask him what was up only to replied to with a stroppy 'nothing'. If I even suggest something or ask him his option he does this teenager thing where he looks away and shifts his weight from foot to foot........that really does push me over the edge. He even had a two hour nap this afternoon. Hope he's in a better mood tomorrow. . Anyway rant over.

    In other news did all the ironing earlier, even what had been out on the line today.

    Apart from the ironing had a chilled out afternoon. Ate our dinner outside under the brolly, 'twas lovely. Back to work tomorrow but hopefully I can keep focused. When OH gets paid this week we should have enough to pay off another debt, fingers crossed.

    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 Aug 18, 7:27 AM
    • 4,617 Posts
    • 13,904 Thanks
    Verbatim
    Don't know how you put up with it. Saintly is what you are Alice!
    Does he pull his weight by doing anything around the house? It does sound like it's mostly down to you.
    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 12th Aug 18, 6:45 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Don't know how you put up with it. Saintly is what you are Alice!
    Does he pull his weight by doing anything around the house? It does sound like it's mostly down to you.
    Originally posted by Verbatim
    Ooo I don't know about that V. .
    He does, it's really strange. He will do things but more DIY stuff. When he's not having a strop he's fine, but it does seem that he strops a lot.

    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 12th Aug 18, 9:51 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Just catching my breath after our weekend. This weekend was our 'holiday weekend' away. We were invited to a family celebration and decided that we'd stay in the hotel at the venue, and make use of the facilities. It has been really lovely, shame about the weather though. Spends were over just over £200, hotel, drinks and petrol.

    Other news on the money front, our car broke down on Thursday, had to have a new coil pack, plugs and OH mentioned how it felt like we had a puncture, turned out needed a new shock abosorber. £175 later all sorted.

    OH popped to supermarket this afternoon to get milk, fruit etc. Spent £26.

    But the big news on the money front is that we have paid another debt off.. I did it on Thursday just before I found out about the car. It's probably a blessing that I did it before as had I known about the car I wouldn't of done it. We have had to break into the 365 jar and if I'm honest I can't see us catching that back up, but we'll see. So we are down to just 4 debts. Smallest is around £1100. But we are in the 11k's.

    I should be happy about another debt gone but think I'm tired and hormonal....sorry TMI. and my feet hurt from dancing.

    Off for an early night, will put my positive pants on tomorrow.

    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!
    • amber03
    • By amber03 12th Aug 18, 10:04 PM
    • 819 Posts
    • 4,984 Thanks
    amber03
    Well done on paying another debt off. Give yourself a pat on the back, you have done well. Take a deep breath and concentrate on the next one to pay off.

    You've has a busy weekend so no wonder you are tired and a car that needed abit of TLC.

    Who wants an easy life anyway
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £970.00
    • Alice in Poorland
    • By Alice in Poorland 13th Aug 18, 8:44 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Well done on paying another debt off. Give yourself a pat on the back, you have done well. Take a deep breath and concentrate on the next one to pay off.

    You've has a busy weekend so no wonder you are tired and a car that needed abit of TLC.

    Who wants an easy life anyway
    Originally posted by amber03
    Thanks amber, next debt is £1100ish so bring it on , and yeah I'd only be bored if everything went smoothly.

    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 Aug 18, 8:50 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    I've had today off work, and I did try and put my positive pants on this morning but woke up with a raging headache. Took DS3 to sports club, cost £10. I know it not very MSE to pay for an activity when I'm at home but I did budget for this......at the start of the holiday before the car and all that!!

    Lost track of NSDs, had to get petrol today and some mushrooms, strawberries and cereal.

    Currently got one load to peg out and the other on the machine. I'm not liking it now the nights are drawing in.

    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 15th Aug 18, 5:03 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Yay finished work until Monday.

    Came home about an hour ago and have not stopped eating. What it wrong with me. Lol

    OH has had a letter from PRA, offering him 3 different payment plans. The balance is £1102, and this is the next debt on our hit list anyway.

    Don't really have anything planned over the next few days. DS3 wants to go to the sports club, we will have to see. It's £10 a day.

    Hopefully I've still got my mojo in the morning and can do something positive.

    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!
    • debtaghh
    • By debtaghh 15th Aug 18, 5:05 PM
    • 1,417 Posts
    • 5,351 Thanks
    debtaghh
    Hi Alice,

    I have been reading your diary for a while but never really looked at your signature properly. I just did and I wanted to say well done!
    • Verbatim
    • By Verbatim 15th Aug 18, 5:54 PM
    • 4,617 Posts
    • 13,904 Thanks
    Verbatim
    Way hay! Another debt gone for good. Ouch about the car though and your 365 savings. That must take a lot of cash each week if it's the one where you increase the amount you save by £1 each day over the year?? Probably got the wrong idea there. Anyway at least you had it for the car.
    Don't mention the nights drawing in, I thought the same thing and didn't like the thought at all.
    Have they offered money off for early settlement of your OH's debt?
    Enjoy your time off work.
    V
    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 17th Aug 18, 4:44 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Hi Alice,

    I have been reading your diary for a while but never really looked at your signature properly. I just did and I wanted to say well done!
    Originally posted by debtaghh
    Thank you, on a bit of a roll at the moment. Paid 3 debts off in a short space of time.
    Might be a little while until the next one but will 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!
    • Alice in Poorland
    • By Alice in Poorland 17th Aug 18, 4:52 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Way hay! Another debt gone for good. Ouch about the car though and your 365 savings. That must take a lot of cash each week if it's the one where you increase the amount you save by £1 each day over the year?? Probably got the wrong idea there. Anyway at least you had it for the car.
    Don't mention the nights drawing in, I thought the same thing and didn't like the thought at all.
    Have they offered money off for early settlement of your OH's debt?
    Enjoy your time off work.
    V
    Originally posted by Verbatim
    Hi V, the 365 thing is where you save 1p on the first day of the year, 2p on the second day, 3p on the third day and so on. Not sure how we would of got on come November and December but heyho. I wouldn't be able to catch up now but will definately look at doing again next year.

    Re OH's debt, they have offered £881 settlement figure. Now you know how I struggle with paying anything but the whole amount off. and I know how frustrating it must be for you guys.

    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 17th Aug 18, 5:04 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Didn't have much to report yesterday, had a chilled out day. DS3 went to sports club, DS2 picked up his results...he did OK. Still doesn't know what to do next.

    Today has been a bit spendy, got the rest of school uniform including shoes . Somebody please tell me they're going to last for the next five years. Got petrol, flowers for the oldies and a small food shop. Treated us to lunch out......that really was a treat.

    Have pegged two loads out as well. Will be adding them to the ironing mountain when I've finished this post. Tomorrow having hair done, can't wait.

    I have just sorted the paperwork mountain that had developed in the kitchen.

    Haven't done a lot but feeling ok about it all. Next week is last part week of child care costs, OH off for part of the week, DS3 won't go to holiday club if OH is here, then I'm off bank holiday week.

    Hope everyone has a good weekend.

    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 19th Aug 18, 11:50 AM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    It's a bit overcast here today and we're recovering from yesterday antics.

    Yesterday I had my hair done and then we went to a food/beer festival in the town, then back to friends for drinks. Had a lovely evening, although feeling it a bit this morning. Total spends, £27 for hair and £30 on social stuff.

    I need to update spending diary and budget. Also need to do this week's meal plan.

    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!
    • Onebrokelady
    • By Onebrokelady 19th Aug 18, 10:44 PM
    • 614 Posts
    • 2,595 Thanks
    Onebrokelady
    It was overcast here today as well ,I still managed to peg some washing out though and it was nearly dry when I brought it in,I do sympathise with the school shoes shopping,I remember when mine were still at school and their shoes didn't seem to last five minutes,they always grew out of them just before the end of term too
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,306 Total Now Owed = £16,324
    Emergency Fund = £300 Xmas savings = £400
    • Spendless
    • By Spendless 25th Aug 18, 8:05 PM
    • 20,361 Posts
    • 33,834 Thanks
    Spendless
    Re OH's debt, they have offered £881 settlement figure. Now you know how I struggle with paying anything but the whole amount off. and I know how frustrating it must be for you guys. Xx
    Originally posted by Alice in Poorland
    Just catching up with you. Please tell me the above was paid off if you had the money. It's been mentioned before you will have already paid back every penny you spent plus plenty of interest. Stop the guilt!
    • Alice in Poorland
    • By Alice in Poorland 26th Aug 18, 10:16 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    It was overcast here today as well ,I still managed to peg some washing out though and it was nearly dry when I brought it in,I do sympathise with the school shoes shopping,I remember when mine were still at school and their shoes didn't seem to last five minutes,they always grew out of them just before the end of term too
    Originally posted by Onebrokelady
    I always say peg it out, 9/10 times it dries and anything is better than having it hanging around the house. They've always had really good shoes for school, and although they cost a small fortune they have lasted. Although DS3s did wear out and he didn't say anything and went to school with his toes poking out the bottom, and I put puncture repair patches over the hole.

    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 26th Aug 18, 10:19 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Just catching up with you. Please tell me the above was paid off if you had the money. It's been mentioned before you will have already paid back every penny you spent plus plenty of interest. Stop the guilt!
    Originally posted by Spendless
    Hi no we haven't paid it off yet. We don't have that amount available. I know.

    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 26th Aug 18, 10:33 PM
    • 2,285 Posts
    • 7,958 Thanks
    Alice in Poorland
    Busy week last week, and then today's weather has just been pants...but the grass is looking greener. :-)

    It isn't pay day until after the bank holiday, and we're having a quiet weekend anyway. We did go food shopping this morning, spent £68. Also got petrol. We've got quite a few birthdays coming up so I've ordered presents/got cash for the teenagers card.

    Also on the money front we've got a biggish bill to pay for DS1.

    Trying to keep my debt busting mojo going. Tomorrow I'll update spending diary and budget and do the meter readings.

    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!
    • mummytogirls
    • By mummytogirls 27th Aug 18, 3:54 PM
    • 6,316 Posts
    • 23,698 Thanks
    mummytogirls
    Keep going Alice, you are doing so well xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
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