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  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 1,363Posts
    • 3,695Thanks
    louby40
    Round and round the overdraft....soon to be no more
    • #1
    • 17th Jun 16, 7:57 AM
    Round and round the overdraft....soon to be no more 17th Jun 16 at 7:57 AM
    Having lurked and read quite a few diaries I thought I'd start my own. If it's down on paper then I can read back and see my progress (or not)

    My debts aren't massive but my bugbear is my overdraft as I do believe if I can get that sorted everything else will fall into place

    My debts are:

    £400-500 overdraft every month PAID
    £970 cc now £90 Dec 17
    £5500 left on my car loan (ends in Jan 2019) now £2696 Dec 17
    £106,000 mortgage at £600 pm now £94,992 Dec 17
    £6500 bank of mum and dad PAID

    I have £150 in an emergency fund NOW £650

    I'm just in the process of moving my current account to First Direct to take advantage of their £250 free overdraft service and £100 incentive to switch. I need to keep my o/d under the £250 and slowly begin to chip away.

    My over spends are having 2 very tall teenage boys who eat a lot and extra trips to the supermarket. I also treat myself to a manicure/gel polish every month.

    I'm a single mum and work as a teacher so I buy stuff for my class, extra craft bits, second hand books from Amazon, it soon mounts up.

    I also need to be stricter with my boys and refuse the £2.50 they ask for lunch everyday.

    I shop in Aldi and cook a lot from scratch - my slow cooker is my saviour!

    I need to keep a strict spending diary and stop buying unnecessary things.
    Last edited by louby40; 17-12-2017 at 7:37 PM.
Page 35
    • louby40
    • By louby40 29th Dec 17, 4:48 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    Feeling very accomplished today. Our new kitchen chairs arrived this morning which we put together like a factory line, me and DP were such a team! They look great. The table isn!!!8217;t coming for another week so just managing with my old rickety one my mum bought from a charity shop 3 years ago until then.

    The floor lamp also arrived and I love it. I also painted one feature wall in a fern green which matches the green splash back, I had to have it mixed in B & Q as it!!!8217;s such an unusual colour. It looks really nice. Just the chairs to come now to put in the little seating area.

    I!!!8217;m now researching blinds and curtains but they are so expensive. I need to find some material and get my mums friend to make them for me otherwise it will be £450.

    And in other news, all the chocolate has gone and the turkey in a pasta bake last night.

    Cheese and biscuits tonight!
    • louby40
    • By louby40 30th Dec 17, 2:41 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    As we come to the end of 2017 I thought I'd review my MSE year!

    Positives
    * I finally paid my parents back - a whopping £6500
    * I replaced my old rickety fence (cost shared with neighbour)
    * I moved my utility into the downstairs bathroom, new sink and decorated
    * I decorated and replaced the carpet in my sons bedroom
    * Bought 2 new beds for my sons rooms
    * DP painted the outside of the house
    * I renovated my kitchen
    * I paid for Christmas out of savings
    * I went to Cornwall and numerous weekends away - all paid for by savings
    * I set up car and house insurance savings pot so I don't pay by DD
    * Emergency Fund continues to be £500+
    * I've continued to complete surveys to earn extra ££

    Negatives
    * I have borrowed £12k to fund my kitchen (0% however and due to be paid off by June 2019)
    * I have added to my CC debt by £900 (0% and will be paid off by Oct 2018)

    All of my renovations (except the kitchen) have been paid for by savings.

    Goals for 2018
    *To continue to pay off debt
    *To save and pay for as much as possible with savings
    *To meal plan and keep supermarket spends at below £60 per week

    So pleased with what I've achieved this year in my house!
    • ramblehan
    • By ramblehan 30th Dec 17, 10:13 PM
    • 610 Posts
    • 1,249 Thanks
    ramblehan
    Waving hello Louby. Well done for a great year xxx
    • louby40
    • By louby40 31st Dec 17, 10:26 AM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    Hey Ramblehan - you!!!8217;re back!

    Feeling very sluggish today, slept until 8am, I just couldn!!!8217;t seem to wake up. Think I need to go out for a walk to blow the cobwebs away.

    No New Years Eve plans - we have a bottle of champagne to open later - if we can stay awake that long. I used to love New year but I think I!!!8217;m getting old. Just can!!!8217;t be bothered with it anymore.

    Happy new year everyone!
    • mummytogirls
    • By mummytogirls 31st Dec 17, 12:55 PM
    • 6,183 Posts
    • 22,713 Thanks
    mummytogirls
    What a brilliant year for you Louby.

    Enjoy your evening, hope you manage to stay awake for your champers!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • louby40
    • By louby40 31st Dec 17, 1:50 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    I managed to get 12 NSD for December - yay! Impressive for the most expensive month of the year!
    • mummytogirls
    • By mummytogirls 1st Jan 18, 10:32 AM
    • 6,183 Posts
    • 22,713 Thanks
    mummytogirls
    Happy New Year Louby xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • louby40
    • By louby40 2nd Jan 18, 5:13 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    Thanks MTG!

    We had a very low key new year. We watched Toy Story 3 no kids in the house just us, but I've never seen it before and it was really good! Plus we had our champers.

    New years day we went on a mammoth 11km walk. It was invigorating and much needed. Then the washer got put on and we took the Christmas tree down. I took my son back to his dads and then we chilled with a film. A really nice start to the year.

    Today I've had to do some school work and then I've been to the gym. My new Fitbit is motivating me.

    Just made leek and potato soup with leeks from the freezer!

    Not looking forward to work but I'll be ok by lunchtime.
    • SpekySquarehead
    • By SpekySquarehead 3rd Jan 18, 8:55 AM
    • 1,949 Posts
    • 15,753 Thanks
    SpekySquarehead
    Morning Louby,

    A belated merry Christmas and a happy new year!!

    What's the plans for 2018? Wither that be financially or otherwise.
    Debt Free Date: 29/09/16
    • Honeysucklelou2
    • By Honeysucklelou2 3rd Jan 18, 9:34 AM
    • 883 Posts
    • 3,577 Thanks
    Honeysucklelou2
    Hope the new term goes well. Not looking forward to the early starts after some more relaxed morning starts!
    paydbx #93 £692/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Scott_Weiland
    • By Scott_Weiland 3rd Jan 18, 11:15 AM
    • 779 Posts
    • 2,029 Thanks
    Scott_Weiland
    Happy New Year Louby all the best for 2018
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
    • louby40
    • By louby40 3rd Jan 18, 6:28 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    Thanks Speky, Honey and Scott. Happy New Year to you all.

    Well first day back is done. Our Head teacher is off sick with very bad flu - he has a sicknote until the end of next week! So itís made a more relaxing day

    My goals are just to reduce the debt (mainly my kitchen debt) add to my savings when I can and keep within my budget.
    • mummytogirls
    • By mummytogirls 3rd Jan 18, 7:26 PM
    • 6,183 Posts
    • 22,713 Thanks
    mummytogirls
    Glad your first day back went well Louby xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • SpekySquarehead
    • By SpekySquarehead 10th Jan 18, 8:43 AM
    • 1,949 Posts
    • 15,753 Thanks
    SpekySquarehead
    Hi Louby,

    How are you? Hope you've managed being back at work and you've avoided this bloody virus!
    Debt Free Date: 29/09/16
    • Poor_Single_lady
    • By Poor_Single_lady 12th Jan 18, 1:27 AM
    • 1,400 Posts
    • 5,396 Thanks
    Poor_Single_lady
    How is it going Louby. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • louby40
    • By louby40 12th Jan 18, 4:37 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    Hi everyone, have just realised I haven!!!8217;t been on here for a bit. Lots of school stuff and feeling a bit down with dark mornings and evenings. Money stuff is ticking along ok.

    I!!!8217;m probably going to end up in my overdraft very slightly but it!!!8217;s free up to £250 and I won!!!8217;t be anywhere near that.

    My new kitchen table was delivered last weekend -we had to put the legs on ourselves and in the process of doing that we realised that the supporting bits of wood had a great big crack in one side. Took loads of photos and rang the company who apologised and said to use it until they can get a new one to us, which could be a couple of weeks. Love the table though but am not putting up with faulty goods.

    The 2 comfy chairs which should have been arriving early March are now a month later and not coming until the 10 April!!! This kitchen will never be finished.
    Last edited by louby40; 13-01-2018 at 8:46 AM.
    • louby40
    • By louby40 14th Jan 18, 1:53 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    6 NSD so far!

    We did a lovely 12km walk yesterday. I racked up 16,000 Fitbit steps.

    I attempted a Quorn bolognese for tea which was quite nice, lower calories and on offer in Tesco.

    We watched some TV last night and now it!!!8217;s Sunday. The weekends just go so fast.

    I!!!8217;ve spent a couple of hours doing school stuff and now I really need to start the ironing.
    • ramblehan
    • By ramblehan 15th Jan 18, 8:08 AM
    • 610 Posts
    • 1,249 Thanks
    ramblehan
    Morning. We'll done you. I picked up some of the quorn too! Not made anything with it yet. Hope you have a good week. Xx
    • SpekySquarehead
    • By SpekySquarehead 15th Jan 18, 8:52 AM
    • 1,949 Posts
    • 15,753 Thanks
    SpekySquarehead
    I've never tried it. Is there huge taste difference?
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 15th Jan 18, 7:20 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    The texture is different Speky. It sort of takes on the taste of whatever you put it with. We will definitely have it again. It was £1.58 I think in Tesco for 500g. We normally buy the really low fat mince which can be £5 for 1kg so it!!!8217;s loads cheaper.
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