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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,323Posts
    • 8,056Thanks
    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 171
    • Alice in Poorland
    • By Alice in Poorland 13th Jan 19, 11:49 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    Hi amber, yeah having them sealed sounds like a plan. The one we did last year wasn't sealed but we had to dip into it for the car repairs.

    Fingers crossed we don't have to do the same this year.

    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 Jan'19 £9,649. 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 Jan 19, 12:11 PM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    I'm a bit deflated this morning for a couple of reasons.....nothing major in the big scheme of things. Firstly we spent £40 on food last night which was horrible (take away with friends). Tried a new place and was so disappointed. I'd been really good with food all week so we'd decided to treat ourselves. Won't do that again in a hurry.

    Then this morning I've eaten half a packed of biscuits with my cup of tea. Why, why, why.... Gggrrrrr.

    Kids have got friends here (hence the takeaway cost was so high) so they've had waffles, cereal and sausages sandwiches between them all. These kids can eat, don't their parents feed them.

    No pegging out today, in fact haven't even done any washing yet. According to the forecast the next few days will be dry so will wash tonight. Thankfully DS3 has got spare uniform.

    We are upto 6 NSDs. Today should be 7. Yesteday we spent £47 in supermarket but that did include a new wash basket (reduced), socks, board game for a gift and toiletries, so not that much on food.

    I've been following a couple of decluttering/organising websites. I've sorts out the cupboard with the dvds, cds and 'wee' games this morning. In there were also brochures, magazines, paint charts, so had a good sort out and it only took 15mins.

    Rest of the house needs tidying but the DVD cupboard is tidy.

    Hope you all have 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 Jan'19 £9,649. 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 18th Jan 19, 9:39 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    I've managed a couple of days pegging washing our this week, which is great, and it dried quite well.


    I've ordered a shop that's been delivered tonight, £62 but did use voucher for £12 off. Will need to get petrol and cash on the way home.


    The healthy eating is going well, and I do feel a lot better. Maybe psychological but I'm going to do my best to stick at it. We've had a busy week this week, parents eve and other things and we're still working through the freezer/cupboards etc so it would of been easy to get fast food....but we didn't so that's a big plus.


    We are up to 9 NSDs, today I've added dinner money to DS's account, and paid sponsor money and lottery at work.


    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 Jan'19 £9,649. 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 20th Jan 19, 10:08 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    The figures are in...... Current outstanding balance is £9649.. Fairly happy with that. To be honest if we'd stayed with stpchange we would nearly be paid off now but you know...

    Yesterday was a bit spendy. We spent money at the snack van whilst at football. Then we went bowling on the afternoon and drinks after.

    I've really got my declutter/organising head on. I've sorted all the stuff we can sell, and some of it is going to the charity shop. Just to make the amount more manageable. I've sorted all the receipts and paperwork. I have kept every receipt and letter since we started this journey.

    Spend diary and budget is up to date.

    No pegging out today. Have done meter readings we are - £32. Not too bad considering we have had the heating on a lot more than usual.

    We've got another family meal coming up next weekend..... The weekend before payday! Then think that is it for a while.

    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 Jan'19 £9,649. 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 20th Jan 19, 10:39 PM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    Today was NSD number 10.

    I've sorted dinner money for DS3 but don't class that as a spend. My spends are things like supermarket shopping, petrol, works lottery, hair cuts, eating out, social activities etc. Although some of these things.....not all... are essential I (should) always try and keep the amount and frequency to a minimum.

    Hope everyone has a good week. Nearly payday. :-)

    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 Jan'19 £9,649. 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 23rd Jan 19, 11:38 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    Today is NSD13. I have started an online shop which is sitting in the online trolley as I need to do our meal plan. We have used up loads of stuff doing the cupboard challenge. I'm going to defrost the freezer over the next few days as well.


    Still on a roll. :-)


    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 Jan'19 £9,649. 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 23rd Jan 19, 5:46 PM
    • 4,667 Posts
    • 14,305 Thanks
    Verbatim
    Sounding very good Alice. Have you worked out a dfd yet?
    Keep on rolling!
    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 27th Jan 19, 9:45 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    Hi V, thank you. No DFD as yet, but in my head thinking it would be possible to be debt free in less than 16 months. But a lot depends on DS1, although is all going to finish shortly and everything is up in the air still, we'd really like at least one of us to go over. We only need to book flights but also need to sort OHs passport out.....there is always something!

    Our 'big' shop is being delivered later. I've pegged out, got a another load in the machine, dishwasher on, kids have vacd and dusted their bedrooms and have just gone to rugby, we are on a roll this morning.

    Still only on 13NSDs but hoping that the rest of the month will be spend free.

    Happy Sunday
    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 Jan'19 £9,649. 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 3rd Feb 19, 11:10 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    It's a chilly one again this morning, and yes we've had the heating on a lot more yesterday. No sports clubs yesterday or today. DS3 has a birthday party yesterday afternoon, then both boys have had friends sleep over. Chaos at home this morning.... And they've eaten all the bacon!!

    Anyway they're happy, although DS3s friend is off home shortly and then we have the homework battle. If he just got on and did it or would take 15mins maximum but there is always a commotion.

    I've still got my organising head on, which is great. Still 'on it' with regards to housework, money, ironing, general keeping on top of it all.

    So on the money front our total debt outstanding is £9733. Which is still a hefty amount but at least its below the 10K mark. One thing I need to do is get the emergency fund back up to a reasonable amount. What's a reasonable amount?? 1K??

    I've done the totals for January, petrol £180, shopping (this includes pet stuff, cleaning stuff and toiletries) was £393. Now that was after doing the cupboard /freezer challenge but I did do a big shop just before the end of the month which was £115. So it's still less than £100per week for everything, so not too bad I suppose.

    I need to keep a track of DS3s dinner money as well. He was staying the odd days now its nearly all the time. Then he has sandwiches when he comes home as he's starving!! Then has he tea later as well.

    Just worked out if I pay £500 off a month that's still 16months until the debt is paid off. . 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 Jan'19 £9,649. 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 7th Feb 19, 10:19 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    We've only had 2 NSDs so far. Yesterday had to get petrol, DS new football boots, birthdays presents x 2 and bits for the car (bulb & wipers). It was a very spendy day!!


    We've had our mortgage statement, balance is 37K and 6 years left to pay.


    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 Jan'19 £9,649. 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 11th Feb 19, 9:36 PM
    • 836 Posts
    • 5,117 Thanks
    amber03
    6 years will soon pass. When we had 8 years left we managed to got a deal to double are payments and paid it off over 4 years. Lovely feeling when it's gone.
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £572.00
    • Alice in Poorland
    • By Alice in Poorland 12th Feb 19, 11:44 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    6 years will soon pass. When we had 8 years left we managed to got a deal to double are payments and paid it off over 4 years. Lovely feeling when it's gone.
    Originally posted by amber03

    I'll bet...I can't wait to be MF. Well done to you, that's fab. Oooo I wonder if we'll be in a position to pay off early. :-)




    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 Jan'19 £9,649. 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 Feb 19, 12:00 PM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    We are only up to 4 NSDS, I need some petrol so today may not be number 5.


    I've pegged out today....and it feels so good. hahaha.


    A few extra spends over the weekend, we had a takeaway and we purchased extra alcohol. ;-)


    Trying really hard to keep focused.


    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 Jan'19 £9,649. 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 Feb 19, 9:09 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    I'm having this battle with myself this morning. I feel like I need to go food shopping, not for any specific just to fill the cupboards/fridge up again. We do 4 packed lunches a day (DS3 has his when he comes home) so obviously food stuff starts to get used. But I just have this thing that I need to replace stuff, and have the cupboards/fridge over flowing with food. Last month when I did the cupboard challenge that worked really well and I did feel more in control. In all honestly we do not need to get anything, its just me.


    Last night I had to get petrol, so still only on 4 NSDs.


    Washing dried really well yesterday and it was great not having to have the airers up. Last night I ironed it all!


    I've pegged out again today. :-)


    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 Jan'19 £9,649. 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 Feb 19, 4:23 PM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    Well I made it through Wednesday and yesterday without purchasing anything. Which I am really pleased with. Everybody was fed and watered so all good.


    So we are up to 6 NSDs.


    Over the weekend I need to order some tickets for a production (family member has key part) in a few months. That will cost £45.00.


    Nearly the weekend. :-)


    xx


    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 Jan'19 £9,649. 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!
    • triple choc chip
    • By triple choc chip 15th Feb 19, 7:45 PM
    • 909 Posts
    • 3,067 Thanks
    triple choc chip
    Oooh, you’ve updated your signature, over 72% paid, very well done you!
    Debt Free since 6.8.13
    New home 12 5 rooms to decorate
    Saving for Xmas 2019 #6 £233/£730. 31.9%
    Emergency fund £1.1k Next car fund £2.4k
    It turns out the answer to my problems wasn’t at the bottom of this tub of icecream, but the important thing is that I tried...
    • Alice in Poorland
    • By Alice in Poorland 17th Feb 19, 8:57 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    Thank you TCC. Never really looked at it that way.

    Shown as a percentage it looks much more substantial. That has made me feel very happy this morning.

    Thank you again.

    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 Jan'19 £9,649. 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 Feb 19, 9:10 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    I've been up since the crack of dawn this morning. Pegged a load out, emptied the dishwasher (how much noise does that make when you see trying to be quiet!!), updated spending diary/budget and have done meter readings. Drink tap cups of tea and eaten half a packed of biscuits.

    We are -£49 on the gas/electric. We have the water on first thing for an hour and then the water and heating on 3-7. Although the heating will be on less as the weather gets warmer.

    We have over the last few winters had the heating on the minimum amount of time. Some days we didn't have it on at all. Having it on 4hours a day and a bit later in the evenings at the weekend hasn't really changed what we've been paying so I think it's a happy medium.

    Going to do meal plan then order the shopping. DS3 is off to rugby, after housework nothing planned this afternoon.

    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 Jan'19 £9,649. 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 18th Feb 19, 8:48 PM
    • 576 Posts
    • 4,012 Thanks
    brizzlegirl
    Sounding good Alice. Love your pegging out we are totally using the heated Lakeland airer..not always on, but as a drying rack. So no pegging out, but will get back into it soon.

    Have a great week x
    MFW..aiming to pay it off in 2022.. 2019 Savings Rate - Goal 40% [17% Jan'19, 31% Feb] 2019 Income Goal £48/£750 March Goals: AFDs 6/25 Decluttering 10/60; LSDs x/10; NSDs x/10 Exercise in March RT xxk, 2/15 12k steps per day pls Aiming to be a true Frugalista!
    • Alice in Poorland
    • By Alice in Poorland 24th Feb 19, 11:21 AM
    • 2,323 Posts
    • 8,056 Thanks
    Alice in Poorland
    Love the heated airer Brizzle. I've pegged out this morning even though it was very foggy first thing. Its lifting a bit now. 😁

    Spent a bit on entertainment this week, cinema, fast food, but still managed a few NSDs. Upto 9 NSDs.

    Heating has been off most of the week.

    Other spends this week were a new bike wheel and hand grips.

    Boys are at rugby. I've caught up on some jobs this morning. Going to cook dinner and tackle the ironing later.

    Looking forward to the start of a new month, feel like I need a fresh start.

    Hope everyone has a great 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 Jan'19 £9,649. 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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