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    • Rosylee
    • By Rosylee 9th Sep 16, 7:37 PM
    • 194Posts
    • 559Thanks
    Seriously?! Again?!
    • #1
    • 9th Sep 16, 7:37 PM
    Seriously?! Again?! 9th Sep 16 at 7:37 PM
    And that's what I have been asking myself. Along with "what the hell is wrong with you?" Mentally slapping myself at the same time.

    Over the past 9 months, I have increased my debt by 7500 (with very little to show for it).

    I started out so well at the back end of last year, I was in a mess anyway, but things had started looking up. I had managed to pay a chunk of debt with a small windfall thanks to a bank error in my favour, moved my significant CC debt to 0% finance and then it all went to hell in a hand basket.

    Instead of closing the credit card I had transferred a balance from, I kept it open for emergencies. I mean seriously?! Emergencies, if only! The bank sky rocketed the credit limit and what did I do...yep, you guessed it.

    So instead of decreasing my debt, I increased it and now am worse off than before I had the small windfall. What an idiot!

    And of course the CC I was spending on was not 0%...But, on a whim decided to see if I was eligible for another 0% card...didn't hold out much hope so was shocked when I realised I had been approved for another CC at 0%...41 months.

    So I have been given another lifeline, most people don't get a second so I had better not screw it up - there will not be another!!

    I think I self sabotage myself..I do the same with my weight. I lost nearly 4 stone, but have nearly gained it all back.

    Anyway, I am going to do my best, and take it one day at a time. I need to accept that I have to live more frugally and eat less - that will help the budget and my waistline...

    I am just so cross with myself...
Page 2
    • Rosylee
    • By Rosylee 16th Sep 16, 9:13 PM
    • 194 Posts
    • 559 Thanks
    DofE gets expensive but as somebody with their gold award, I say the experience is totally worth it Knowing what I know now, I'd be more savvy on buying some of the gear for the expedition second hand (rucksack etc - Mom paid about 70 for it, and I just flogged it to my sister for 30 10 years on so a nice little profit for me ) but I really recommend a very good sleeping bag.

    Well done on getting all of the debt to be interest free; that's a huge step and you WILL feel better when the HSBC account is closed.

    If your daughter is old enough for DofE, would she appreciate something like a spa package? I'm thinking you might be able to grab a deal on Groupon or something. Plus if you can get earning cashback through sites like Quidco, or doing surveys etc, most of those let you withdraw in Amazon vouchers
    Originally posted by DD265
    Thanks for your message DD. Really good ideas. Will certainly look into second hand gear for D of E. We have just finished paid 790 for a ski trip in January and that will need gear too! I've been ringing round to see if charities will take her on for volunteering but unsurprisingly many say she is too young at 14. Leaving us with a couple of charity shops. She has an interview in the morning for one. I am also going to see if the local school might be interested.

    I will be doing as many surveys as I can but will also keep an eye out for groupon deals. Not likely a spa...she is in that awkward stage of embarrassment. But I am sure I will come up with something. She had loads for her birthday back in July so one runs out of ideas too cos she has everything a teen could want. I have decided that Christmas presents will not exceed 300.

    Declaring a spend of 20.70 for 3 maths tuition books

    Weigh in tomorrow. I have been on plan for 5 days. I know I have lost some weight but the scales may not reflect as I had a gain two weeks ago when I was last at group. Fingers crossed.

    My hubby continues to look for a job. They are hard to find. He has an interview next week, so far from home though.

    Right am ready for bed, been a tough old week, and have to be up early
    • Rosylee
    • By Rosylee 19th Sep 16, 7:03 AM
    • 194 Posts
    • 559 Thanks
    Morning just a quick pop in. The HSBC account balance finally reads 0. I am just going to wait until the next statement is posted to ensure there is no residual interest to pay. And then I will close it.

    This weekend was a very spendy weekend. 40 at Tesco on groceries and another 40 at hobby craft for daughters art homework supplies. Very painful spend...I sincerely hope it is not a regular occurrence. Already the D of E stuff is going to cost.

    Counting down the days to payday. It's such a long way away. Planning on a NSD today.
    • Rosylee
    • By Rosylee 22nd Sep 16, 7:22 AM
    • 194 Posts
    • 559 Thanks
    Morning, feeling really low this morning. Stressed about work, and just wishing I didn't have debt so I could take a less stressful lower paid job.

    But not possible so just have to plod on.

    It's been quiet on the money front. Spent 11.44 at Heron Foods. I really like this store as you get a lot of branded food for cheap as it is near to the use by date. I tend to get yogurts mostly.

    On the good news front hubby has been offered a job. It's an hour's drive at least but beggars can't be choosers. Just hope this one works out. At least he will help out with daughters tuition money at 200 a month which is no small thing. I pay all the bills and he usually pays anything extra we need, or our annual UK holiday. I prefer it this way. His work situation has been so difficult over the last year...had I relied on his income we would have been up the creek without a paddle.

    Another bit of good news. I decided to cancel sky movies from my virgin media account plus a v box in my daughter's rooms she wasn't actually using. That resulted in a saving of 27. I also downgraded my home phone as we hardly use it, and along side this they offered me a further discount. So my virgin media package went down from 129 to 83.50. I am locked into 12 month contract but that is ok as I really enjoy my tv and specifically prefer virgin to any other provider. I know it's a lot but it covers tv, broadband and phone. Need a good broadband as, I work from home. We don't smoke or drink or eat takeaways or meals out. So this is my only enjoyment.

    Hubby is very good with money. Very disciplined. No debt whatsoever. Not happy with my debt but doesn't know the full extent of it and I plan to keep it that way for the time being...yes, I know many would disagree with me but I just can't face the stress that will come with it.

    Now my ebay sales...a right disaster that's has been. I must be the only idiot on eBay who manages to lose money with a sale. I was selling a very old GCSE book, so set the price at 25p start. But somehow managed to select free postage.I had used the ebay app for the first time and clearly messed up. So of course it sold for 25p and now I have to cough up the postage.

    On the weight loss front I lost 3lbs last week. Lots more to go, trying not to think about it. Hoping for another loss on Saturday.

    Really need to clean the house, it's a tip, a reflection of how I feel inside really.

    Right time to pull myself together, pity party over for the moment. Have a good day
    Last edited by Rosylee; 22-09-2016 at 7:53 AM.
    • Rosylee
    • By Rosylee 23rd Sep 16, 7:17 AM
    • 194 Posts
    • 559 Thanks
    Morning Diary. Just a quick pop in.

    Re ebay...after sending the purchaser a message explaining I hadn't realised I didn't add a postage cost she has kindly agreed to pay the postage. I was prepared to take the hit as it was my own fault and said as much but really pleased when she offered to pay extra. I can only hope she follows through. So at least I will make 25p.

    Managed to sell another two books on Facebook for 5. It's always a risk as sometimes people don't turn up. Fingers crossed she does and I will be 5 better off.

    My daughter has had to have new glasses. So that came to 60. Luckily I had 70 in the glasses fund. But now it's depleted and will take a while to build up again. This is why YNAB makes sense, funding your true expenses to avoid creating more debt. Only my disposable income after debt and Bill repayments is so little I can't fund my categories very well.

    Really glad it's Friday. But still a whole week to payday. This has been a really long month. Having said that there has also been some real positives and steps in the right direction.
    • Rosylee
    • By Rosylee 23rd Sep 16, 12:49 PM
    • 194 Posts
    • 559 Thanks
    Happy days... books sold, 5...

    Have faithfully logged it into YNAB, will use to get a small roast for Sunday dinner.

    Have a couple of bits on sale on eBay, no watchers or bids yet.

    I have been wondering on the merits of a car boot sale. My only worry is I won't make enough to cover the fee and then it's a loss. I haven't got masses to sell, lots of books, some clothes, a few cds, scrapbooking supplies. Also what does one need for car booting, tables etc. Might have to Google.

    Also thinking of an American style yard sale. In my case a drive way sale. We live on a busy road so people walking by a lot. But what would the neighbours think?

    If anybody is reading this I would love to know what you think
    • Rosylee
    • By Rosylee 9th Oct 16, 12:02 AM
    • 194 Posts
    • 559 Thanks
    So it's been a while since I last posted, to be honest I don't think anyone's actually reading this. But debt busting is somewhat a lonely endeavour so I write to keep myself company.

    The thing about the debt journey is that time moves sooo slowly. Using the snowball calculator I have worked out my debt free date is May 2019. I just want to hurry up and get there.

    Fortunately all my debt is now on 0%. Patience is what is required and discipline. I still need to do better with my grocery spending. This is really the only place I can squeeze extra money from to add to the snowball amount.

    I am trying to build up my categories so that I have money if things comes up to avoid making more debt. I also have been saving into the credit union but I have been wondering if I should move this to my paragon account as at least this pays a monthly interest, even if only 50p. I don't think the credit union pays interest. But on the other hand it's a real effort to access the money in the credit union so more likely not to be used for frivolous expenditure. Not sure what to do.
    • debtaghh
    • By debtaghh 9th Oct 16, 7:42 AM
    • 1,187 Posts
    • 3,513 Thanks

    I've just read your diary, keep going. I read many diaries but don't reply so please don't think people aren't reading ( although I understand and the same thought has crossed my mind about my own ). I have made the same mistakes and have become reliant on credit cards. Well done for realising. I will subscribe to your diary to watch your progress.
    Debt 16th October 2017: Cc 49,987- family 37,561: total debt 87549

    Current debt: Cc 42,775 , Family 39,608 total debt 82,383

    Frugal living challenge # 10- 8000 presents/ food/ entertainment/clothes/shoes/haircuts
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