Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 1,347Posts
    • 3,656Thanks
    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 37
    • louby40
    • By louby40 6th Feb 18, 6:37 PM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    I have no idea what!!!8217;s going on with my posts - they are perfectly normal until I hit post! Then something happens to them? Only seems to happen on my own diary. Not when I post on others?? Very strange?
    • louby40
    • By louby40 11th Feb 18, 5:26 PM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    I emailed the forums tech people but not really heard anything. So this is my test post.

    I did have to re-set my password so maybe that has something to do with it!
    • louby40
    • By louby40 11th Feb 18, 8:59 PM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    Looks like it!!!8217;s fixed!

    Finances are plodding along. One more week of work then it!!!8217;s half term. So ready for a break.

    6 NSD so far this month.
    • louby40
    • By louby40 11th Feb 18, 9:00 PM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    Oh no!!!!! Itís not fixed. Post #722 was on my laptop & #723 on my iPad
    • ramblehan
    • By ramblehan 14th Feb 18, 10:56 AM
    • 569 Posts
    • 1,173 Thanks
    ramblehan
    Tech issues making me chuckle!
    If everything is ok, don't feel guilty about a treat...and you usually need clothes as well as want them so a useful spend. Did you see the YNAB post about wish farms, perhaps this might be a way to give you guilt free permission for a treat!
    Hope you get your naughty computer back on the straight and narrow xxx
    • ramblehan
    • By ramblehan 15th Feb 18, 10:21 AM
    • 569 Posts
    • 1,173 Thanks
    ramblehan
    Hey Louby - Found this one someone else's post - you are not the only one having issues!

    "To get rid of apostrophes coming out as numbers if you are using apple device, Go to settings and general and turn Smart Keyboard off. That seems to do the trick."
    • Scott_Weiland
    • By Scott_Weiland 15th Feb 18, 10:27 AM
    • 799 Posts
    • 2,013 Thanks
    Scott_Weiland
    or just buy a Samsung lol Apple sucks lol
    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 18th Feb 18, 8:44 AM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    Ramblehan you are a star.....well you are if this works lol

    Scott, my DP has just gone to Android, my 2 teenage lads are like....."why?, why would you even do that?" They are total lovers of Apple.

    I'm the same really, I do love my Apple devices!
    • louby40
    • By louby40 18th Feb 18, 8:47 AM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    So it appears to have worked.

    Off to London at 10am for a few days. Hoping my budget stretches, Ive money put aside but it never seems to be enough. 2 drinks can be £10-12 a go down there. We have a bag full of porridge pots, granola and UHT milk, we've got a fridge in our room and aren't having breakfast. Also got ham rolls for on the train! MSE all the way!
    • Cumbria lass
    • By Cumbria lass 18th Feb 18, 8:50 AM
    • 1,685 Posts
    • 10,007 Thanks
    Cumbria lass
    Have a great time Louby , loving your MSE breakfasts .

    Happy breakaway.
    CC1 £3655 April 2018.
    • SpekySquarehead
    • By SpekySquarehead 20th Feb 18, 8:53 AM
    • 1,883 Posts
    • 15,086 Thanks
    SpekySquarehead
    Enjoy your trip Louby! Well deserved and you're still being very MSE taking your own brekkie. Let us know how you got on and what you got up to. I love that place!
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 23rd Feb 18, 9:04 AM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    Had a great time in London! I love it down there - amazing place, to visit not live!

    Spent far too much, mostly on theatre tickets and meals! We saw School of Rock, Les Mis and All's Well that Ends Well at the Sam Wannamaker Playhouse! All totally different in their own way and all outstanding performances! Dipped into my savings but figured that's what it's for,

    Got home yesterday and need to do some ironing. I also need new tyres but not sure if I have enough in my car pot, if I only need 2 I'll be fine if not i'll have to juggle some money around.

    In other news, I went and donated blood last night! So proud of myself. I did donate years ago when I was about 20 and promptyly fainted so never went back. Proud to have done my bit and have made another appointment for June!
    • SpekySquarehead
    • By SpekySquarehead 26th Feb 18, 8:41 AM
    • 1,883 Posts
    • 15,086 Thanks
    SpekySquarehead
    A productive weekend!

    London is a fab place, but it's also unfortunately expensive. I do love a good musical and they sound brilliant. I'm glad you had a good time and got your moneys worth.

    Also good on you for giving blood!! Did you take advantage of a little biscuit afterwards?
    Debt Free Date: 29/09/16
    • ramblehan
    • By ramblehan 26th Feb 18, 10:04 PM
    • 569 Posts
    • 1,173 Thanks
    ramblehan
    Love love love Les Mis. Sounds like a fun weekend.
    Have you updated your signature - progresss looking amazing in all areas - particularly savings. well done you.
    • louby40
    • By louby40 27th Feb 18, 6:41 PM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    Pay day tomorrow so I'm waiting for that before I update my signature.

    I need to move a bit of money around as I've borrowed bits from various pots.

    I didn't get new tyres for my car, when we went it was crazy busy and we didn't have time to wait.
    • SpekySquarehead
    • By SpekySquarehead 28th Feb 18, 9:48 AM
    • 1,883 Posts
    • 15,086 Thanks
    SpekySquarehead
    While I know the pain of buying new tyres only too well, with the weather we are experiencing, you can't put a price on road safety.
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 2nd Mar 18, 9:21 PM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    What a week. I started off with an awful cold/virus thing.

    Monday and Tuesday at work was ok, Wednesday it took me 40 minutes to drive the 2.5 miles to work as some traffic lights were stuck on red both ways. When I got there I was told that bar the 1 ladies/staff toilet and 1 boys toilet, the rest were blocked!!!

    We then had drainage men in school and on the playground. Then it started snowing really badly so parents came to collect children. Lessons were abandoned. As a result Thursday and Friday have been snow days. A godsend as I still haven't felt well.

    This has meant low spend days. Payday was Wednesday so everything was allocated in YNAB and signatures updated.

    Tomorrow I'm off to Manchester with 8 friends to celebrate a 30th birthday. Staying over, meal drinks and karaoke apparently. Just hope I can stay awake, I've been in bed at 9.30 all week.

    It's cost so much just for one night and we still have to pay for meals and drinks. Trying to be positive and enjoy the experience and not think about the money!
    • mummytogirls
    • By mummytogirls 2nd Mar 18, 9:22 PM
    • 6,160 Posts
    • 22,477 Thanks
    mummytogirls
    What a week Louby! Im sure you will enjoy yourself once you get out tomorrow xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • louby40
    • By louby40 4th Mar 18, 6:56 PM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    Well, what a night.

    We'd booked a train to Manchester which was then cancelled- I've had to attempt to claim the money back and reimburse everyone. So we had to drive in 2 cars.

    We were staying in an apartment (there were 9 of us) and it was lovely but cost us £83 each, so quite pricey. Luckily we'd paid bits towards it since October so it didn't feel too bad.

    We had a great time, lunch and cocktails - the bill came to £329! Went back, played some daft games, got ready and back out for a meal. We'd already paid a £10 deposit and my meal was only £11.50. 7 of the 9 had 2 courses, me and my friend just had a main. Then my cheeky friend attempted to split the bill and wanted a FURTHER £15 off us. Now I'm not mean and I don't mind paying a bit for a tip but why should I pay £25 for an £11 meal. We'd had complimentary Prosecco and the birthday girl bought another bottle, so drinks were covered.

    I'm now worrying that they will think I'm mean - but me and my friend were in effect subbing their starters. Plus we'd had pasta - some of them had salmon and steak as their mains.

    I reckon the whole thing cost me £200 for 24 hours. I don't begrudge it as it was lovely.

    Now back to budgeting and also eating sensibly as I've totally gone off the rails with my diet.
    • louby40
    • By louby40 5th Mar 18, 7:59 AM
    • 1,347 Posts
    • 3,656 Thanks
    louby40
    TopCashback of £50 cleared plusvarious surveys and I've paid £62 towards my credit card.

    Just waiting for 200 points before I can get my 3rd £50 from YouGov - that's been really quick to build up this time too.

    Back to work after 2 snow days last week but we've had a text saying that the boilers are working intermittently at school so it's freezing!!!! Oh dear!!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

717Posts Today

6,034Users online

Martin's Twitter