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    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,272Posts
    • 7,940Thanks
    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.
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    • Alice in Poorland
    • By Alice in Poorland 14th Sep 18, 12:11 PM
    • 2,272 Posts
    • 7,940 Thanks
    Alice in Poorland
    How did it get to the middle of September already!!

    We've been really busy over the last few weeks, but things are settling down now and getting back to 'normal'.

    On the money front, DS1 is costing us a small fortune (all worth it though). Although he has got some money from the summer we need to pay towards his education. Plus his flights back for Christmas, which need sorting sooner that later.

    Football starts again this weekend, and now DS2 is playing midweek so we're going to be busy busy busy. I've set up the DD pay one lot of football subs, DS2 will pay his own but we will still take DS2 as his away matches are miles away.

    We've been a bit hit and miss with the food shopping. I've seen a challenge on social media where you eat out of the cupboards/fridge for the month, only topping up on fresh stuff. We are sort off doing this. Although its proving a bit tricky now we're back to doing packed lunches. I have put £10 in DS1's dinner money account, just in case. One week in and he has only spent £1.50.

    My 20p jar is be fair its not that big a jar, lol. But I'm going to keep saving and use it towards Christmas celebrations.

    From next week I'm going to starting putting money into cards for nieces and nephews Christmas presents. If we do one a week we'll be sorted in 9 weeks.

    Have managed to get a full line dry twice this week. The kids have taken it in about 4.30pm so it doesn't get damp. :-)

    Looking forward to the weekend.

    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 14th Sep 18, 9:44 PM
    • 4,615 Posts
    • 13,884 Thanks
    Hi Alice,
    Great to hear from you. I was wondering how you've been doing.
    You seem very well organised and great to start getting Xmas organised too.
    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
    • mummytogirls
    • By mummytogirls 15th Sep 18, 9:55 AM
    • 6,306 Posts
    • 23,561 Thanks
    All sounding great from your end Alice!!! Brilliant that you are thinking about to Christmas too xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • brizzlegirl
    • By brizzlegirl 15th Sep 18, 5:23 PM
    • 350 Posts
    • 2,215 Thanks
    Keep up the good work

    Yep, active kids are expensive....shelling loads out on dance this term...not really complaining as love that they actually are still doing stuff but all adds up

    Have a great weekend x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • Alice in Poorland
    • By Alice in Poorland 16th Sep 18, 11:00 AM
    • 2,272 Posts
    • 7,940 Thanks
    Alice in Poorland
    Thank you for your posts. I feel like I've got my debt busting mojo back....long may it continue.

    This morning I've got two loads on the line and another two to do. It's blowing nicely.

    On the money front we've tweaked our mobile deals to include DS3. We pay an extra £9 for DSs but I did get a new phone so although some might say not very MSE, it works for us. I've just done meter readings and we are -£5.26, which means we have used £30 on both utilities in two weeks. No heating on noo....going for at least the 1st October, and then it will have to be freezing.

    Had Chinese and drinks with friends last night, £20 spent. Only had 4 NSDs so far this month.

    Yesterday I went food shopping, still sort of doing the store cupboard challenge but somehow spent £49. But that did include a chicken for lunch, some new casual trousers for me and some socks for DS3, and some cleaning/toiletries stuff. Got petrol too £35.

    Today we're going to cut the grass, deweed and sweep drive and trim the hedges. We're having a roast later so will get that prepped. Have a mountain of ironing to do. Also need to colour my hair, that is actually more important than the ironing. OH has taken DS3 to rugby training and DS2 is still in bed.

    Need to update spending diary and budget. Hope you all have a great day.

    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!
    • Spendless
    • By Spendless 16th Sep 18, 3:43 PM
    • 20,299 Posts
    • 33,696 Thanks
    Thanks for the update Alice.

    Is this DS1 last year and did DS2 decide what he wants to do?
    • Alice in Poorland
    • By Alice in Poorland 17th Sep 18, 9:20 PM
    • 2,272 Posts
    • 7,940 Thanks
    Alice in Poorland
    Hi Spendless,

    Yes it's DS1s last year......phew.. It's going to be a tough one for him, mentally and physically. DS2 is working but still doesn't know if he'll go to uni next year. I'm sure it will all come good in the end....fingers crossed.

    Quick update, today was a NSD, number 6 for the month. Tomorrow I need to pay for some stuff at the school, £17 in total. Will also need to get petrol, and I need £10 towards collections at work. So going to try and get all the spends done tomorrow.

    Tonight I've sorted some paperwork on the kitchen out. Even after all the time we still don't seem to be able to sort out the post when we get it...Ggggrrrr. But on the plus side all the ironing is done and put away.

    Anyway that's Monday done.

    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!
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