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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 31st May 16, 2:36 PM
    • 1,401Posts
    • 5,400Thanks
    Poor_Single_lady
    Joined 31.05.16
    • #1
    • 31st May 16, 2:36 PM
    Joined 31.05.16 31st May 16 at 2:36 PM
    Day 1. 31.5.16
    I hope I am posting in the right place. I need to keep a spending diary where its not just me that sees it. I have around 14,500 in debt. This is split over 5 different lenders.

    2450 Bankloan
    3225 0% credit card
    3620 0% credit card
    2500 overdraft
    2800 credit card 18%

    I have a lot of outgoings, live on my own (mortgage) recently had some expensive home improvements which I think were essential.

    I am slowly paying things off but one of my biggest battles is with my best friends who seem to be constantly putting pressure on me to do expensive things and get upset when i cant - making my battle twice as hard. Does anyone else have this issue or is it just me.

    My other main worry is that if my parents ever found out they would be heartbroken, I am 30 and shouldn't have let this happen. Im keeping my diary and working hard to fix. Day 1.
Page 58
    • Dolly Rocker
    • By Dolly Rocker 9th Jan 18, 8:47 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Mmm I love chilli.

    Might slow cook a batch next week!

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • Poor_Single_lady
    • By Poor_Single_lady 11th Jan 18, 8:58 PM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    NSD today but did spend a bit yesterday and Tuesday. Top up shop tommorow and out Saturday. Will need to keep spending down. 2 more weeks to payday.
    I did a massive shop at the start of the year and this was really helpful. Think doing a massive shop and then some shops in the week does help.

    Need
    Milk
    Butter
    Crisps (not need)
    Bananas
    Carrots

    Got most things in and no big shop till Feb.
    Eating the last of my Christmas chocolate. Trying to stop eating crisps but I miss them so much. There isn't anything that quite is the same but I eat them in giant quantities and it needs to be curbed or at least restricted to the weekend. Lidl version of Pringles have a lot to answer for. And I love wotsits and monster much and quavers. But it's empty money and empty calories.

    3 direct debits left
    2 are cards
    2 weeks to payday.
    Need to be good although this week hasn't been a disaster and it is lovely to see people. Just need a quieter rest of month.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 12th Jan 18, 5:41 PM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    Spent 5.10 in Tesco

    Milk
    Crisps
    Bread
    Carrots
    Butter
    Poppadoms

    Pub tommorow
    Sunday low spend.
    Mon-Fri low spend to 20/1/18
    But am getting event tickets for outing in Feb.

    Not a lot going on which is good.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 12th Jan 18, 5:49 PM
    • 1,913 Posts
    • 11,636 Thanks
    Cumbria lass
    PSL lovely low spend at the supermarket. I said no going out and am leaving for the Lake District shortly. Only Petrol involved though and it!!!8217;s only just over an hour away.

    Have a good weekend.
    CC1 3475 May 2018
    • fay66
    • By fay66 12th Jan 18, 9:54 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    Hi PSL
    Just popped in my laptop had to go for a repair ,
    Inland revenue 4500=
    Loan 1562
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • louby40
    • By louby40 13th Jan 18, 8:03 AM
    • 1,363 Posts
    • 3,698 Thanks
    louby40
    Hi PSL, looks like you!!!8217;re quietly determined and starting off 2018 really well.

    I!!!8217;m plodding along. January is my least favourite month of the year. If I wasn!!!8217;t a teacher I think I!!!8217;d probably book a January holiday, but I!!!8217;ll be a teacher for a fair few years yet so that!!!8217;s not likely to happen for at least 11 years!

    Enjoy your weekend.
    • DaringToDream
    • By DaringToDream 13th Jan 18, 9:03 AM
    • 197 Posts
    • 493 Thanks
    DaringToDream
    Hey PSL, great to see you sounding so positive and determined. After a wierd 2017 for a lot of people I know, I have high hopes for 2018!

    I signed up to weight watchers yesterday so will join you in your healthy eating and trying to get as many NSDs as possible!

    DTD xx
    Loan 13,339.81 (4.9%) Current End Date Dec 2020
    CC1 3496.00 (0% for another 20 months)
    CC2 2500 (0% for another 20 months)
    Total: 19335.81
    • Poor_Single_lady
    • By Poor_Single_lady 14th Jan 18, 12:16 PM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    Hello lovely ladies.
    2018 actually feels a lot calmer and more contained and less dramatic.
    I feel like I've been home a lot but actually gone out 4 nights this year which is quite a lot for someone in my position. Didn't spend very much yesterday, just 15 on my round. Not too bad.

    Have plans for next 3 Saturdays as well so will need to have quiet weeks.
    No plans today. Much needed.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 14th Jan 18, 5:40 PM
    • 1,913 Posts
    • 11,636 Thanks
    Cumbria lass
    Lovely to see you posting more regularly again. Keep it up .

    15 wasn!!!8217;t bad for a night out .
    CC1 3475 May 2018
    • Poor_Single_lady
    • By Poor_Single_lady 15th Jan 18, 5:20 PM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    Thank you Cumbria.

    today NSD 15/01/18
    Yesterday Almost NSD but bought event tickets for me and friend so some of this will be paid back to me next month.

    Tommorow top up shop - I have done a list. If milk lasts till Wednesday will delay this till then.

    I think it would do me good to restrict outings to the weekend but I'm not sure how realistic this is long term.
    It's easier when people leave you alone but they never do! My biggest spending friends are both going on expensive holidays next month and so they are both having money saving months which is definately helping.
    • Dolly Rocker
    • By Dolly Rocker 15th Jan 18, 5:32 PM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Well done on your NSD!!

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • fay66
    • By fay66 15th Jan 18, 5:34 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    I dont know how you do it well done on nsd x
    Inland revenue 4500=
    Loan 1562
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • Poor_Single_lady
    • By Poor_Single_lady 15th Jan 18, 6:16 PM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    Thank you both. I am just so frightened and so stupid.

    The food shop at the start of the year helped. I am a natural hoarder and trying to turn over everything in the kitchen cupboards although easier said than done.
    Stocked up on cleaning products and essential toiletries.
    Not going out in the evenings.
    Only bought a jumper this year. Very much loved and appreciated.

    Eating a bit more than normal and scales are telling me! But it makes me feel a bit more centred and helping temporarily.

    Also- I'm not sure if I'm alone in this but I think last year i bought a lot of aspirational foods like healthy things and leaves and that sort of thing but actually once I'm home I would forget to eat them or find them really unappealing and this year I am trying to buy things that I will actually eat in real life.

    And I'm reading my book.
    And not looking at clothes or going shopping. Banned myself from very.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • louby40
    • By louby40 15th Jan 18, 7:15 PM
    • 1,363 Posts
    • 3,698 Thanks
    louby40
    Well done! Your posts are very different and you seem to be much more money savvy this year!

    NSD are the best!
    • Poor_Single_lady
    • By Poor_Single_lady 16th Jan 18, 8:21 PM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    Thank you Louby. Not an NSD today and won't be tommorow.

    Spent 9.10 food shopping in Lidl
    Milk
    Bread
    Apples
    Cheese
    Peppers
    Poppadoms

    Most of this is not for immediate use but I think I will need to go back tommorow. Do need a few more bits.
    Plus meeting a friend for coffee and cake tommorow lunch. Defiantly not in the plans but was asked and will go. Was trying to keep social just to weekends but it shouldn't be too expensive and won't involve alcohol.

    9 days to payday. It is long.

    3 credit cards expire 0% deals at the end of the year. The one with balance at 2,400 will go to 30% Interest so need to find a new home for that around August but I have another one expiring not long after so not sure how easy it will be to manage the 2 - or the 3.

    But for the moment it is 0% so not immediate but deals available to me are short term So hoping I will be able to get these sorted when I need to.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 17th Jan 18, 6:11 PM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    Not an NSD.
    Spent 4 on food shopping coke, bread, carrots, Handwash.

    And 5 on household essentials.
    And 5 on coffee and cake.
    And 3 on charity shop books.

    Need to have a quieter day tommorow. 8 days to payday.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Dolly Rocker
    • By Dolly Rocker 17th Jan 18, 7:59 PM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Not too bad PSL.

    What books did you get?

    Love the charity shop for books.

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • Poor_Single_lady
    • By Poor_Single_lady 18th Jan 18, 12:51 AM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    I've got the wolf of Wall Street book.
    And one by an American writer called Ann Tyler, she wrote the amateur marriage which is very good
    And one by the lady who wrote the Ukrainian tractors and 2 caravans.
    And birdsong by Sebastian Fawkes.

    I am so very slow. That is probably me till June but I do want to read the true autobiography book which inspired orange is the new black. I read the lady in real life married the boyfriend she had when she went in to prison but I thought her book would be worth a read. Not expecting to find that in the charity shop tho.

    I've barely bought anything this year and only seen my best friends and family socially. It feels quite nice to ditch the London madness if only temporarily. Only doing things at the weekends suits me a lot better. Things tend to be quieter social-wise in London but I'm planning on carrying on this pattern long-term.

    Late to bed and it's very windy here. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Dolly Rocker
    • By Dolly Rocker 18th Jan 18, 10:39 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    You never know just keep an eye out for it.

    Once you get into this pattern it will be the new normal for you.

    So windy my way last night too!

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • Poor_Single_lady
    • By Poor_Single_lady 18th Jan 18, 5:33 PM
    • 1,401 Posts
    • 5,400 Thanks
    Poor_Single_lady
    NSD today

    But going out Tomorrow night. And Saturday.
    A busy few days socially. Need to try hard to keep spending low.
    Can't cancel either.
    7 days to payday and 1 direct debit credit card to go out.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
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