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
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 6,070Posts
    • 22,304Thanks
    Purplemumof2
    Back in debt but not out
    • #1
    • 2nd Aug 16, 6:58 AM
    Back in debt but not out 2nd Aug 16 at 6:58 AM
    Hi,

    It's been over a year since I was here last.

    Last time, we managed to get debt free by consolidating our debts, but due to a lot of things we are back in debt again.

    This past month has brought things to a head, we've been rather stupid and things have gotten out of control.

    So where are we with the debt:

    Barclaycard: 8829.88
    Overdraft: 2750.00
    Total: 11, 579.88

    Ignoring the OD for the moment, as I'm not too worried about that one, I need to make headway on sorting the BC out.

    Things coming up this month are:

    DD's birthday
    Pay remainder of DD's party
    Pay for food at DD's party - already ordered just needs paying
    Pay for DD's cake
    School uniforms for both kids

    Will post my plan in the next post, back in moment
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
Page 67
    • Hiddenidenity
    • By Hiddenidenity 9th Jul 17, 8:24 PM
    • 5,213 Posts
    • 26,717 Thanks
    Hiddenidenity
    Hope you've had a lovely weekend and everything's okay x
    • Purplemumof2
    • By Purplemumof2 9th Jul 17, 9:47 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Thanks HI, just needed a few days to recoup.

    MiL was rushed to hospital yesterday with a suspected stroke, today the specialist has been round and no not a stroke (thankfully) but low sodium & low potassium show the same symptoms. MiL been on a drip and basically seems more like her self...the old dear will be 89 this year, so we expect a certain amount of things to happen...bless her!!

    Friday...DD's Prom at her old school, it went well. She met up with her BFFs and had a great time. Late night but worth it

    Back to work tomorrow. Lunch made and aiming for a NSD apart from using my weekly allowance.

    Car went to the garage, they'll try to put through the warranty but as it was due to my accident in January they may decline it. May need to either move money about depending on the cost or it'll go on the BC. Wait and see, should get a quote tomorrow either way.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 10th Jul 17, 5:29 AM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Morning,

    Hope everyone is ok?

    Bank account checked, everything is ok there.

    Lunch made for today, apart from having Friday WFH I was within my budget. Back to my 10 again this week.

    Back to a normal week, work wise, got a shed load to get done too.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • tori.k
    • By tori.k 10th Jul 17, 7:26 AM
    • 3,179 Posts
    • 7,985 Thanks
    tori.k
    Sorry to hear about your mother in law, hopefully she will be feeling better and back on her feet soon.
    Fingers crossed it will be a warranty job if not just have to keep faith that it won't cost as much as you fear.
    Debit to Credit (stage 1) 3652.34 completed 15/10/16
    Debit to Credit (stage 2) 6299.09 completed 25/06/17
    Mortgage Free (stage 3) 140000/ 870
    Save 12k in 2018 #76 3000/6000
    • Hiddenidenity
    • By Hiddenidenity 10th Jul 17, 7:27 AM
    • 5,213 Posts
    • 26,717 Thanks
    Hiddenidenity
    Hope you have a good day today PMO2 x
    • hugglemonster
    • By hugglemonster 10th Jul 17, 9:54 AM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    Hope your MiL makes a good recovery and is back home soon x

    Glad your dd had a good prom, bet it was nice to see her friends again.

    Good luck with the car, also have my fingers crossed it goes through the warranty!

    Have a lovely day, H x
    Debt: Overdraft 2 1200/ now 805.34 Credit card 2200 now 2050 Car - 8825.44
    PAID - Computer 646.52, Overdraft 1 2200
    Emergency fund: 50 General savings: 50
    • Purplemumof2
    • By Purplemumof2 10th Jul 17, 1:12 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Quick update:

    Spent 1.74 out of the my daily allowance, which gives me 26p to carry over

    Today should be a NSD too.

    Car isn't covered under the warranty, but they did try. Waiting to hear from DH about booking it in.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 10th Jul 17, 1:33 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Forgot to mention, I have joined Prolific...seeing as everyone is raving about them

    No surveys yet.

    Also I'm just a few points off a Boots voucher with VO, need to get back on track with this one as I used to get loads from them.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 10th Jul 17, 3:42 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Just had word that MiL has been discharged and is on her way home

    DH things that there will be a cheaper way to sort my car out, will hopefully discuss tonight.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 11th Jul 17, 5:27 AM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Morning,

    Bank account checked, nothing changed there.

    Lunch made for today.

    I'm very tired today, I think the weekends caught up with me. I didn't get to sort what I wanted to on Sunday so my weeks a bit up in the air.

    Gas and electric bill received....295 for the quarter. Which compared to the last house, isn't too bad. Scottish Power are sending us a revised bill, this'll get paid on pay day. Our summer bill should be virtually nothing.

    Will check the survey sites when I get to work.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Hiddenidenity
    • By Hiddenidenity 11th Jul 17, 8:10 AM
    • 5,213 Posts
    • 26,717 Thanks
    Hiddenidenity
    Goood morning

    Have a lovely day! Hope you can sort the car cheaper x
    • Purplemumof2
    • By Purplemumof2 11th Jul 17, 10:42 AM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Survey wise:

    Valued Opinions : 10.25
    PA: 0
    Pureprofile: 0.50

    I'm hoping that I can build these up and put them to some use, not too sure what though. I need to think about this.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 11th Jul 17, 1:00 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    VO is now up to payout, mainly due to the fact that I had a decent balance on there from years ago. I'm holding off getting a voucher from there yet, I'm thinking of building them up for the next few months.

    Spent a total of 1.10 out of my daily budget, which gives me 90p to roll over, so far giving me an extra 1.16 to go towards Friday lunch

    Won't be a NSD today as I need to pick up some chips on the way home.

    Sorry I'm posting randomly, but I need to keep a check for me.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 11th Jul 17, 2:07 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Sorry but proud mum moment....

    DS has been nominated for an award at his new school and we have been invited to attend. Considering how much carp DS has had to deal with in terms of ex-gf and the move and changing schools, he's really settled in (apart from the usual boyish behaviour!)

    Also DD got a fantastic end of year report for her new school and her SATs results were great too.

    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • monz
    • By monz 11th Jul 17, 2:07 PM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Dont be sorry I like seeing your posts
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Purplemumof2
    • By Purplemumof2 11th Jul 17, 2:08 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Dont be sorry I like seeing your posts
    Originally posted by monz
    Thanks Monz x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • MeandO
    • By MeandO 11th Jul 17, 2:22 PM
    • 1,396 Posts
    • 6,760 Thanks
    MeandO
    Me too! I've been doing the same thing lately - updating little snippets of money-saving as they occur, I find it helps to keep my motivation up if nothing else!
    Mortgage Feb 2015: 102,000 Mortgage now: 76,535
    2018 OP's: Jan:129.26 Feb:287 Mar:150 Apr:157.31 May:164.19
    Emergency Fund: 850/5000
    • Purplemumof2
    • By Purplemumof2 11th Jul 17, 2:26 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Me too! I've been doing the same thing lately - updating little snippets of money-saving as they occur, I find it helps to keep my motivation up if nothing else!
    Originally posted by MeandO
    Definitely helps
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 11th Jul 17, 4:39 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Reactivated my Yougov account and my Onepoll.

    Yougov - 628 points
    Onepoll - 19.20
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Hiddenidenity
    • By Hiddenidenity 11th Jul 17, 4:51 PM
    • 5,213 Posts
    • 26,717 Thanks
    Hiddenidenity
    Sorry but proud mum moment....

    DS has been nominated for an award at his new school and we have been invited to attend. Considering how much carp DS has had to deal with in terms of ex-gf and the move and changing schools, he's really settled in (apart from the usual boyish behaviour!)

    Also DD got a fantastic end of year report for her new school and her SATs results were great too.

    Originally posted by Purplemumof2
    Well done to both Definitely a proud mum moment

    Dont be sorry I like seeing your posts
    Originally posted by monz
    I agree
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

181Posts Today

2,512Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin