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  • FIRST POST
    • JWPopps
    • By JWPopps 13th Dec 16, 7:03 PM
    • 329Posts
    • 1,738Thanks
    JWPopps
    Flush by 30?
    • #1
    • 13th Dec 16, 7:03 PM
    Flush by 30? 13th Dec 16 at 7:03 PM
    Hello!

    I'm fairly new to MSE and have become totally obsessed with reading everyone else's diaries, so I thought I'd do one of my own! Even if no one else ever reads it, I'm hoping it will be somewhere I can rant my rants and think my thoughts without a) boring my friends and family and b) embarrassing myself in front of friends and family!

    I'm 26 (27 in March) and have had a bit of a slog to get to where I am today which I will likely go into later... basically, money has always been something other people have. So, while my debts might not seem huge, making the payments every month is stopping me from really appreciating how far I've come and how nice it is to be earning a relatively good wage.

    The above paragraph sounds a bit up myself, actually. Oh well!

    Debts:
    Barclaycard: £1465.49 (19%)
    Sainsburys card: £75 (0%)
    Barclayloan: £6,673.36 (4.9%)
    Overdraft: £485.09 (I get charges as well but not sure of the %)
    Mortgage: £88,163.97 (34 years left on it, at 3.99%)

    I'm not stressing about getting my mortgage paid off at the moment; it would be nice to be debt free and have a nice emergency fund, and maybe even a fun fund, and to be making mortgage overpayments.

    Total debt I'm worried about then: £8,698.94

    Goals for 2017:
    Pay off Barclaycard and close
    Get Sainsbury's card to 0 every month (i.e. use only for groceries)
    Pay off overdraft
    Get loan down to £3,500
    Start an Emergency Fund
    Start a Fun Fund
    Start making mortgage OPs
    Chill the heck out about my finances for the first time in 11 years!!
Page 13
    • Seasidegal58
    • By Seasidegal58 8th Dec 17, 7:52 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    A journalist! How interesting!

    Re cleaning - I started a 30 day cleaning and organising programme from a book by Katie Berry at the beginning of last November to get things shipshape for Chtistmas and putting the deccies up and I repeated it this year as well. It can be a bit full on but you can take it a bit easier if you want. If you do want something that is more laid back then what about the Flylady website? There’s also a thread dedicated to it - on the Old Style board I think.

    Good news on the charity nights!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 17th Dec 17, 9:33 PM
    • 5,840 Posts
    • 38,581 Thanks
    Sun Addict
    That's the book I bought SSG just before I broke my ankle. Need to get it back out now.

    Hope all is well JWP xx
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Moonshine14
    • By Moonshine14 17th Dec 17, 9:53 PM
    • 38 Posts
    • 24 Thanks
    Moonshine14
    Good luck you sound really focused and hope you can achieve your goal.
    • JWPopps
    • By JWPopps 18th Dec 17, 2:11 PM
    • 329 Posts
    • 1,738 Thanks
    JWPopps
    Hello everyone!

    I am very well thanks, still very busy at work - more so because one of my colleagues has slipped in the ice and broken one of her vertebrae, she she'll be off work until late Jan I reckon. Poor lady!!!

    Also, poor me - I am now covering three jobs. Brilliant. Haha!

    Still, we close for Christmas on Thursday and then I'm not back in until 3rd Jan. Yayy!!
    Mortgage: £86,182.17
    Credit Card Debt: £1,702.42
    Loan Debt: £5,306.47
    Savings: £600.00


    • JWPopps
    • By JWPopps 20th Dec 17, 1:48 PM
    • 329 Posts
    • 1,738 Thanks
    JWPopps
    I am so glad tomorrow is the last day in work... so much to sort but also very ready for a break. Feeling super achey today too which is not a good sign!

    The charity have also just asked me if I'd consider taking on a 2nd long term placement. It would mean I don't need to do the rushing home after work any more because they would both have keys, and I've met this girl before so I'm fairly confident she'd fit into the house well but on the other hand it's a risk.

    In the interim we've agreed to a trial period over Christmas.
    Mortgage: £86,182.17
    Credit Card Debt: £1,702.42
    Loan Debt: £5,306.47
    Savings: £600.00


    • Sun Addict
    • By Sun Addict 20th Dec 17, 9:45 PM
    • 5,840 Posts
    • 38,581 Thanks
    Sun Addict
    Hope you're not ill for Christmas. Hopefully it will pass you by.

    Enjoy your break from work Sounds like you're more than ready for it.

    I think you're a saint taking in the placements, I couldn't do it, I take my hat off to you. I hope they appreciate it.
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Seasidegal58
    • By Seasidegal58 24th Dec 17, 8:23 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    Hope you didn’t succoumb to the lurgy JW. And here’s to a wonderful Christmas for you - not forgetting your lodgers!

    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 25th Dec 17, 4:41 PM
    • 5,840 Posts
    • 38,581 Thanks
    Sun Addict
    Merry Christmas JWP
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Seasidegal58
    • By Seasidegal58 31st Dec 17, 3:42 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    I hope you have a very happy New Year JW and a prosperous 2018.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • JWPopps
    • By JWPopps 2nd Jan 18, 8:26 PM
    • 329 Posts
    • 1,738 Thanks
    JWPopps
    Hello everyone, thanks for your wonderful wishes!

    I had a very lovely Christmas and New Year... not looking forward to going back to work tomorrow though!
    Mortgage: £86,182.17
    Credit Card Debt: £1,702.42
    Loan Debt: £5,306.47
    Savings: £600.00


    • Seasidegal58
    • By Seasidegal58 2nd Jan 18, 9:22 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    Glad to hear you had a lovely time JW. Hope all went well with your “trial” lodger.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • JWPopps
    • By JWPopps 3rd Jan 18, 10:28 AM
    • 329 Posts
    • 1,738 Thanks
    JWPopps
    Hi SSG,

    It did, but I need the charity to get in touch today because tomorrow marks the end of the 2 weeks and there are some massive pros and cons to her staying longer that need to be worked out...

    Back at work and it's surprisingly ok, I think all the pre-prep I did has worked out! Just waiting for the charity to pay me either today or tomorrow and I should be able to do a *gulp* post-Christmas round up....
    Mortgage: £86,182.17
    Credit Card Debt: £1,702.42
    Loan Debt: £5,306.47
    Savings: £600.00


    • JWPopps
    • By JWPopps 3rd Jan 18, 11:58 AM
    • 329 Posts
    • 1,738 Thanks
    JWPopps
    2018 - New Year... Old Me!
    ....yeah, I don't change much

    Still, it's always a good time for reflection isn't it? This will be a long one I fear...

    These were my goals For December:
    - Clear out my wardrobe: Made a start on this, but there's a LOT more to do...
    who knew I owned so much stuff?!

    - Look into the daily cleaning rota thingie: I cleaned my entire house on NYE (party animal, I know...) and it's blissfully clean. However, with 2 teenagers that doesn't last long so I'm going to buy the book 2 of you have very kindly recommended!!
    - Edit my novel (it would be nice, really...): LOL no, this did not happen.
    But it was nice to have so many social plans, so I don't feel like I wasted my time off.

    - Start meal planning again: Made a start; I'm going to try fasting again because it certainly worked for me last time.
    - Buy the rest of the Christmas presents: Well I wouldn't be particularly popular if I hadn't managed this...
    - Chill out and feel ready for the new year!!!: Achieved!! Had a little romantic disappointment, but aside from a day of moping about that I really loved my time off and am now back at work feeling refreshed!

    Financial Round Up!
    Credit card post-Christmas: £882.80
    Loan: £6,052.36
    Mortgage: £86,483.81

    Savings:
    Emergency Fund: £50
    Holiday/Nice Things Fund: £50
    'Other' (swept up from the oddments left in my main account): £86.48

    I've set up a £50 per month standing order to both of those two savings accounts, and I opened them with a different bank to discourage me from using them. The oddments saver is in my normal bank, and I suppose that's my 'too much month at the end of the money' fund, but with the idea that I'd like not to spend it if I don't have to.

    2018 Goals!
    - Pay off loan
    - Pay off credit card
    .........................................both of those are things I wanted to do in 2017 but never mind, eh? Things happen, stuff cropped up and where are we if we lose sight of our goals?

    - Lose weight.
    .......................................this one is important. As this is an anonymous website I have no problems admitting that my BMI currently sits at 37, making me very obese. It's frustrating because people around me say they can't believe I'm that heavy and I look fine etc etc but actually, this is about how I feel about my body, and what I need for my health. If I lose 3 stone-ish, I can get that BMI down to 30, which would be incredible.

    It's an added bonus that fasting makes my grocery shopping cheaper

    Goals for January/February
    - Sort out a practical debt-repayment model, based on the SOA I did at the end of 2017.
    - Get my routine in place relating to my diet plan and my house cleaning
    - Work out what's going on with the 2nd placement...


    ....On that final point: the 2 week placement has been extended a further 2 weeks, largely because Social Services haven't got another feasible option for this young person. Also, she's savvy enough to know she needs to follow the rules or else she'll be shipped off elsewhere.

    I don't know if I'll have her longer, I'd need to sort out some practicalities. That's something else we shall wait and see about!
    Mortgage: £86,182.17
    Credit Card Debt: £1,702.42
    Loan Debt: £5,306.47
    Savings: £600.00


    • Seasidegal58
    • By Seasidegal58 4th Jan 18, 9:53 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    Your goals sound really sensible JW.

    I know you’ve posted on my diary about my own weight ambitions so I think we’ll be trotting along in tandem on this one!

    Hope you sort out the pros and cons re the lodger.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • JWPopps
    • By JWPopps 5th Jan 18, 10:19 AM
    • 329 Posts
    • 1,738 Thanks
    JWPopps
    Hi SSG,

    You're right there! I'm not starting my fasting yet (and i might not even go back to that, I haven't decided) - for the next month my goal is to cut in-between snacks, so I get used to 3 meals a day at fairly standard times, and I'm trying to make sure those meals are healthy. That's to get me back out of the Christmas habits!! Then we'll see what Step Two is...
    Mortgage: £86,182.17
    Credit Card Debt: £1,702.42
    Loan Debt: £5,306.47
    Savings: £600.00


    • Seasidegal58
    • By Seasidegal58 5th Jan 18, 9:04 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    The snacking is always a problem. I’m a terrible chocoholic. I can quite easily live without alcohol (although I do really enjoy it!), but chocolate is another thing entirely! Oh and cheese........
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 5th Jan 18, 9:15 PM
    • 5,840 Posts
    • 38,581 Thanks
    Sun Addict
    My downfall is red wine, food wise I love healthy food and would happily just eat vegetables and nothing else - seriously. When I needed to lose weight several years ago, I joined WeightWatchers which has kept me on the straight and narrow - it's the thought of being weighed and being told I've gained that scares me, plus the thought of having to pay. Anyway it worked for me and I've got zero willpower - and I can still have my red wine!
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • JWPopps
    • By JWPopps 9th Jan 18, 12:28 PM
    • 329 Posts
    • 1,738 Thanks
    JWPopps
    I mean... I have literally just started dating a vegan... I'm pretty sure I'll lose weight if I let him keep cooking for me haha!!
    Mortgage: £86,182.17
    Credit Card Debt: £1,702.42
    Loan Debt: £5,306.47
    Savings: £600.00


    • Seasidegal58
    • By Seasidegal58 9th Jan 18, 7:49 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    So glad to hear you are dating again JW. I’m sure your new guy will rustle up some lovely, healthy meals for you!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 9th Jan 18, 7:57 PM
    • 5,840 Posts
    • 38,581 Thanks
    Sun Addict
    Goals sound good for the new year and ooh you've got a new fella
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
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