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  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 1,355Posts
    • 3,680Thanks
    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 38
    • Poor_Single_lady
    • By Poor_Single_lady 5th Mar 18, 8:26 AM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    It's so tricky when there's a group of you. Splitting the bill will always make you feel a bit ripped off if you had something small and no starter/desert.
    But then it is nice to get together and be invited to these things - if a bit pricey.

    Hope you enjoyed it. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • SpekySquarehead
    • By SpekySquarehead 5th Mar 18, 9:10 AM
    • 1,917 Posts
    • 15,394 Thanks
    SpekySquarehead
    Louby - I think we all kind of indulge when the weather is poorly - or at least, I certainly do.

    Hope the workplace is a bit warmer this week.
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 8th Mar 18, 7:39 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Heating at school was finally fixed by Wednesday afternoon. It was very cold in school.

    I'm still battling a lingering cough from a cold, it's been 2 weeks. Can't wait for the lighter evenings and better weather.

    Money wise, things are ticking along. I've finally ordered blinds for my kitchen, 300 and they are exactly what I want. Money will come out of savings. Need to get my tyres checked but working full time it's hard to get there.
    • louby40
    • By louby40 17th Mar 18, 2:13 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Wow it's ages since I've been one here. Busy at work and life just getting in the way.

    All is good though. We had a lovely Mother's Day, my DP made a gorgeous lamb dinner and my parents came over, they've just been on a 9 week cruise so it was good to catch up.

    I cashed out 50 from YouGov (took me 4 months this time) and along with another 6 from Pinecone I've paid 56 off my credit card. It's on 0% and I'm paying 100 off it every month anyway but any survey money is also going towards it too. I'm hoping it's cleared by October time. My car will also be clear by the end of the year and then the only debt I will have will be my kitchen which will be paid by June 2019.

    Then it's the bathroom to be refurbished.

    Savings are looking good too. Budgeting definitely helps.
    Last edited by louby40; 17-03-2018 at 2:21 PM.
    • mummytogirls
    • By mummytogirls 17th Mar 18, 2:20 PM
    • 6,164 Posts
    • 22,548 Thanks
    mummytogirls
    A 9 week cruise sounds amazing Louby!!!

    Well done on the extra CC payments xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • louby40
    • By louby40 17th Mar 18, 3:44 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Yes they are cruise addicts. They have another booked for September and then one booked for Jan 2019 which is half of a world cruise. They are ending in Oz and flying back (no doubt via Dubai, which they love)

    They sold their narrow boat after 9 years so are spending the money from that! I've told them I don't want their money - enjoy and make memories!

    Hope I'm as active and adventurous when I'm in my 70's!
    • louby40
    • By louby40 30th Mar 18, 8:28 AM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Not been on here for ages. Busy with work and kids and house.

    Good Friday but still woke up at 6.30am, that will change once I start relaxing.

    Money is looking good so far. Payday was Wednesday so everything was moved around etc and allocated in YNAB. MY 2 comfy kitchen chairs that I ordered on Boxing Day in the sale are arriving on Tuesday. Can't wait to see what they look like. I need to buy 2 cushions and a small coffee/side table but am waiting to see how big they are and what they look like first.

    Quiet Friday at home but hair appointment later this afternoon - the works so it will be 50! We're taking the lads out for tea tomorrow. DP found a wowcher voucher for Frankie & Bennys, 2 courses and a drink for 2 for 20,so we bought 2 and thought we'd treat them.

    Am planning on spending 2/3 afternoons in school next week as want to tidy my store room and sort a few things sorted out. Then I'm out with friends next Friday for drinks so that may be a bit spendy.

    The following week DP and I are off to the Lakes for 3 days. Hoping the weather improves by then.

    Happy Easter everyone
    • Poor_Single_lady
    • By Poor_Single_lady 31st Mar 18, 8:34 PM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    Hope you are enjoying being off Louby. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Honeysucklelou2
    • By Honeysucklelou2 1st Apr 18, 2:06 AM
    • 830 Posts
    • 3,319 Thanks
    Honeysucklelou2
    Enjoy the Easter break!
    paydbx #93 692/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
    • mummytogirls
    • By mummytogirls 1st Apr 18, 9:11 AM
    • 6,164 Posts
    • 22,548 Thanks
    mummytogirls
    Frankie and Bennys sounds good Louby. Enjoy your Easter break xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • louby40
    • By louby40 1st Apr 18, 2:17 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Great to find out that EDF have refunded me 100 as I was so in credit with my gas and electric- never known an energy company do that without being prompted by the customer. They are also reducing our DD to 72 (from 81) as we're paying too much. I'm a bit stumped as we have had a really cold winter and have had the heating on loads. Still. I aren't complaining.

    Had 2 new front tyres fitted yesterday, 92 and money was taken out of my car fund. I'm so pleased with myself having these little pots of money for things it really is the way forward. Once my car tax is up in July I'm paying for that annually too as it will be cheaper.

    Nice meal last night with the boys. 40for 4 of us and DP and I reckon it would have been closer to 100 if we'd have been paying properly. We came home and the boys promptly went out to respective friends to watch the boxing!

    Lazy day today. Bliss
    • louby40
    • By louby40 3rd Apr 18, 5:55 AM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Well what awful weather yesterday. Car had snow on it when we woke up, not much but a covering.

    I took a fascinatior back to M &S which was 45,I managed to find a cheaper one at 21. DP has paid for us to go to ladies day at the races in June so I've got to wear a dress and a fascinatior or hat! It's a great excuse to dress up.

    We then watched some TV and I rejigged some money around. We did manage to get out for a brisk walk around the block though and dodged the rain.

    Now I'm awake with an infected eyelid so may as well get up, think I need to go to the chemist for some ointment . Kitchen chairs being delivered this morning.
    • louby40
    • By louby40 4th Apr 18, 5:55 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Kitchen chairs look fab, bought some cushions from The Range, they should have been 6.99 but had 70p knocked off. They look fab.

    Went to the chemist yesterday for some eye ointment, it's still quite sore and making me feel rubbish.

    I spent 3 hours in school yesterday sorting out my storeroom and I've spent a few hours today planning for the new term. It supposed to be Zumba tonight but I'm just not feeling myself.

    No plans for tomorrow. I do need to nip back into school for something I forgot but other than that it's just chillin.
    • louby40
    • By louby40 5th Apr 18, 8:35 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Eye was worse this morning so managed to get into the doctors - I have an eye infection/style/ conjunctivitis and she gave me ointment for it. I'm hoping it improves as I'm out tomorrow night with friends.

    Spent the day doing some washing, a bit of school work and went out for a walk along the canal in the gorgeous sunshine.

    Need to stop spending now too - that's the trouble when I'm off work it's so tempting to shop online.
    • ramblehan
    • By ramblehan 7th Apr 18, 3:53 PM
    • 592 Posts
    • 1,218 Thanks
    ramblehan
    Hope you feel better soon xxx
    01/03/18: 21,270 DFD: Dec 2035
    2018 challenge - 148.64/3,670 (4.2%) as of 25.04.18
    Sign up for YNAB via my link if you fancy it - thank you!
    • crunch_time
    • By crunch_time 7th Apr 18, 4:17 PM
    • 1,115 Posts
    • 3,333 Thanks
    crunch_time
    Just catching up! You!!!8217;re doing so well!
    X
    LBM 16/6/14 23,555 Paid off April 2017!! Debt as of 11/4/2018.......
    HSBC CC Me 0% - 2024/1964
    Sains CC Husband 0% - 4257/4177
    Sains CC me 0% - 2508/2508
    Overdraft - 1100/1100
    • louby40
    • By louby40 7th Apr 18, 4:25 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Eye is much, much better today.

    Went out last night with 2 friends. We had a good night, few drinks and lots of catching up.

    Small 20 shop in Aldi this afternoon because we're away in the lakes Tues-Fri. Looking forward to a few days away.

    Miserable day today so I've had a very lazy day doing very little.
    • louby40
    • By louby40 17th Apr 18, 8:51 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Had a great time in the Lakes. I've spent far too much money over the holidays. Need to have a frugal May and reign it in a bit.
    • Honeysucklelou2
    • By Honeysucklelou2 17th Apr 18, 9:46 PM
    • 830 Posts
    • 3,319 Thanks
    Honeysucklelou2
    Hope the new term is going well so far.
    paydbx #93 692/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
    • louby40
    • By louby40 22nd Apr 18, 2:19 PM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Enjoyed my fist week back at school!

    My credit card has creeped up a bit so I want to try and pay that off over the next 2 pay days.

    I've been spending far too much and not coming on here very much so I think the 2 are linked. need to stop spending and post more.

    It's so hard when there are things that I want for the house ( and myself). I'm still saving into various pots but I'm dipping into my overdraft more and more which means I'm spending more than I should.
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