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
    • Honeysucklelou2
    • By Honeysucklelou2 31st Dec 16, 4:05 AM
    • 784Posts
    • 3,142Thanks
    Honeysucklelou2
    From debt to freedom...
    • #1
    • 31st Dec 16, 4:05 AM
    From debt to freedom... 31st Dec 16 at 4:05 AM
    For a couple of months I have been lurking and reading diaries which have been helpful and inspiring. I thought that I would start a diary to keep myself focussed on getting rid of the debts.

    I am a working mum, recently separated from my husband. I have a large family which makes for an interesting and busy life! I have had a couple of LBMs in recent years and tried to stick to a budget. I had 2 loans totalling 17, 000 at one point. One loan was paid in Aug 2016 and the 2nd has just over £2,000 to go and is due to be paid off by August 2017.
    Other than that, I have a cc with a £475 balance, 2 home improvement loans ( for double glazing) that both have about £1700 outstanding. These have a horrible interest rate of 22%, so I'm eager to tackle these first.
Page 23
    • Honeysucklelou2
    • By Honeysucklelou2 20th Jan 18, 10:43 AM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Thank you TOPM and Hansard.

    I think DD1 does now get extra financial help from the uni, although we didn't discover this until Christmas when she opened a letter that had slipped beneath a magazine. She gets a bursary which is weighted more towards the summer term. The weird thing is, she doesn't recall filling in any application form for it. The only forms I'm aware of, that we both completed, were the student loan forms which were online. A fellow student with the same health condition has qualified for a disabled student grant type payment but I thought that would only apply to those students who needed to pay for extra care needs. DD1 hasn't applied for that...but the bursary she has been awarded is a welcome help.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Cherryfudge
    • By Cherryfudge 20th Jan 18, 11:07 AM
    • 1,610 Posts
    • 8,509 Thanks
    Cherryfudge
    That's been an 'eventful' few days - so glad things are looking better now. Good to have your DD where you can keep an eye on her till she's back to normal, too.
    • louby40
    • By louby40 20th Jan 18, 3:06 PM
    • 1,332 Posts
    • 3,633 Thanks
    louby40
    Wow what a worry for you. At least she!!!8217;s home and you can look after her.
    Emergency fund £1071/£1000. Christmas savings £250/£600 Car maintenance £155/600
    Chip savings £163 TOTAL savings = £1731
    Kitchen July 2017 £12,493 APRIL £8493
    Barclaycard £673
    Car loan £1908 Mortgage £93392
    TOTAL DEBT (with mortgage) = £104,466 (without mortgage) = £11074
    • Honeysucklelou2
    • By Honeysucklelou2 20th Jan 18, 11:42 PM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    I went into work today to try and catch up from last week. On the way home I stopped at Mr T's to do a main weekly shop which came to £76. Hopefully with top ups of milk and meat, I can stay below £100. Menu this week is looking like:-

    Sun - chicken cobbler
    Mon - macaroni cheese
    Tues - chicken kievs
    Wed - children eat with the ex
    Thur - lasagne
    Fri - something on toast!

    Tonight was fish portions and chips. I used the oven, while it was on, to cook a banana and apricot loaf which used up 3 sad looking bananas.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Honeysucklelou2
    • By Honeysucklelou2 21st Jan 18, 11:07 AM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    One good MSE thing that happened while I was away was the mobile phone people contacting me re DD1's phone. It's in my name and I pay for it each month, but the payment had gone from £16 a month to sometimes as much as £45. Apparently it's due to her sending pic messages and internet use. She does tend to send photos of where she has been so a recent trip to an art show resulted in lots of photos but apparently what's app is a useful alternative according to the mobile man. He has changed the package to give her more data and a message alert to show when she is near that, so hopefully payments should stabilise at £23. Hurray!
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Honeysucklelou2
    • By Honeysucklelou2 21st Jan 18, 6:57 PM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Today is NSD #8 (for January). We've had a very quiet day today as the weather has been very wet and the toddler has now gone down with a terrible cold.

    Dinner today was chicken cobbler. I made a meringue mincemeat tart but in a rectangular shape, which used up some of the left over Christmas mincemeat. A lemon drizzle cake was baked at the same time the oven was on, so tins are topped up...for now!

    I did have chance to check on the MSE credit club to read my credit report. It's encouraging to see the double glazing total is now £3,123. It's going down but frustratingly slowly. I'm thinking that the£150 saved in February from not having to pay council tax in this month would be well spent knocking it off the balance. I would then get below the £3k threshold which would be good.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Cherryfudge
    • By Cherryfudge 21st Jan 18, 10:14 PM
    • 1,610 Posts
    • 8,509 Thanks
    Cherryfudge
    apparently what's app is a useful alternative
    Originally posted by Honeysucklelou2
    I'd recommend What'sApp: we use it a lot for family messages as well as one to one.
    • Honeysucklelou2
    • By Honeysucklelou2 25th Jan 18, 4:10 AM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Made a payment of £110 today, which brings the debt total down a little. I had to pay £30 to the school yesterday as a voluntary contribution to the swimming costs. I had hoped to have more NSDs this week but have had one of those weeks of cooking ingredients needed one day and throat / cough sweets and calpol needed the next. I'll be glad to see the back of the current cough and cold bugs.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Honeysucklelou2
    • By Honeysucklelou2 29th Jan 18, 9:43 PM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Still battling horrible coughs and colds here. Two DDs were really unwell today. Today was a NSD so #9 for January. It's the closest I've got to my target of 10 so am quite pleased though I know there's much room for improvement.

    Veg risotto for dinner, followed by raspberry custard tart. I got a batch of chocolate muffins made while the oven was on, so there are muffins to go in lunch boxes. I was away over the weekend returning DD1 to uni following her week at home to recover from the health blip. She is looking well again, thankfully. I feel I need to catch up a bit on the baking front now that I'm home again.
    Last edited by Honeysucklelou2; 29-01-2018 at 9:50 PM.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • WannabeFree
    • By WannabeFree 29th Jan 18, 9:58 PM
    • 1,385 Posts
    • 11,614 Thanks
    WannabeFree
    I love whatsapp and use it far more than sending a normal text/video calling.

    Hope you're all feeling better soon x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Cherryfudge
    • By Cherryfudge 30th Jan 18, 12:21 AM
    • 1,610 Posts
    • 8,509 Thanks
    Cherryfudge
    I'm glad your eldest DD is well enough to be back at Uni.

    For all the rest - get well soon!
    • MeandO
    • By MeandO 30th Jan 18, 9:31 AM
    • 1,359 Posts
    • 6,640 Thanks
    MeandO
    Glad DD1 is better now, hope you all recover speedily soon too.

    Love the sound of the raspberry custard tart!
    Mortgage Feb 2015: £102,000 Mortgage now: £76,917
    2018 OP's (aiming for £100pm): JAN:£129.26/£100 FEB:£287/£100 MAR:£150/£100 APR:£150.45/£100
    • Honeysucklelou2
    • By Honeysucklelou2 2nd Feb 18, 2:14 PM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Slowly getting rid of the cough and cold bugs.

    Payday was on Wednesday, so all usual direct debits went out yesterday. I've made a payment of £150 to my family so that is slowly coming down - £600 paid off since November.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Honeysucklelou2
    • By Honeysucklelou2 4th Feb 18, 9:31 AM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Unfortunately I had somewhat of a spendy day yesterday. The youngest DD went to a birthday party which was about 15 miles away. I took the toddler and DDs 3 & 4 with me. The party were doing a sport activity and other parents were biding the time in the next door soft play place. I have to say I don't usually go to soft play so found it quite an assault on the senses and the budget! I ended up paying £10 for the toddler and DD4 to go and play while DD3 and I watched. By the time we'd had a coffee and the children had had food, I was cross with myself. Even DD3 sAid flaskand walk another time!

    I've tried to keep the grocery budget as low as possible, so this week's menu is

    Fri - spag Bol
    Sat - fish portions and oven chips
    Sun - roast chicken
    Mon- chicken pie
    Tues - macaroni cheese
    Wed - children eat with ex
    Thurs- tuna plait and jacket potatoes
    Fri - DS's birthday
    Last edited by Honeysucklelou2; 04-02-2018 at 10:25 AM.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Honeysucklelou2
    • By Honeysucklelou2 4th Feb 18, 10:29 AM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Next weekend looks to be a spendy one too as it is DS1's birthday. DD3 has been researching cake ideas on Pinterest to give us inspiration for a homemade cake!

    I've spent a bit of time sorting through clothes and have put a bag aside for recycling and have a few items to photograph for eBay. That will probably be a half term job as this week is busy enough work wise.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Cherryfudge
    • By Cherryfudge 4th Feb 18, 2:00 PM
    • 1,610 Posts
    • 8,509 Thanks
    Cherryfudge
    Birthdays can be expensive! At least the soft play thing has been tried and found somewhat wanting so DD3 is unlikely to want a turn there. Must be tricky coping with kids for a couple of hours miles from home.
    • Honeysucklelou2
    • By Honeysucklelou2 8th Feb 18, 2:14 AM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Busy week work wise. I'm looking forward to half term!

    After the soft play visit, it was bliss to be able to get to the beach on Sunday afternoon. The beach was almost deserted and the tide out so the children and I thoroughly enjoyed our walk and stone/shell finding. Being outside for a walk is a delight and seems to sustain me for another week.

    Direct debit went out on Tuesday, so another £25 off a debt which is good. The menu is holding well this week with the addition of stuffed peppers from DD3's cooking lesson at school. Unfortunately not made a NSD yet as each day something has cropped up e.g. Diesel, cookery ingredients, lunch money for DD2.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Drawingaline
    • By Drawingaline 8th Feb 18, 8:30 PM
    • 414 Posts
    • 1,403 Thanks
    Drawingaline
    Ingredients for school luckily didn't derail me this week, the girl made flapjacks and we had all the ingredients already and the boys was cancelled. But it is frustrating.
    • Honeysucklelou2
    • By Honeysucklelou2 8th Feb 18, 10:23 PM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Menu went slightly awry tonight as DS1 decided he wanted pancakes for tea. I quite enjoy making pancakes, so we have demolished a stack of them between us. Thankfully all pancake ingredients were in the cupboards, so just toppings needed, the remainder of which will be used for pancake day next Tuesday.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Honeysucklelou2
    • By Honeysucklelou2 11th Feb 18, 12:38 AM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    I've enjoyed somewhat of a lazy day today. I have just pottered and simply enjoyed being with the children. We've managed a menu plan for the week and a trip to Tescos for the weekly shop. The menu us looking like:-

    Sat - fish portions and oven chips
    Sun - chicken cobbler
    Mon- egg and bacon pie with potatoes and veg
    Tues - pancakes
    Wed - children eat with the ex
    Thurs - spag Bol

    I was reading Xpender's thread today, about using foods from the freezer and cupboards, and thought I'd go and look through the freezer to see what was there. I have a big upright freezer that was in the house when we moved in, I bought a small freezer to freeze excess fruit and veg from the allotment and the ex has a freezer that he bought a couple of years ago. As I was checking the big freezer,I noticed that the door on the ex's freezer was ajar and some foods had already started melting. Spent some time de icing the freezer so that the shelves fit well and had to getid of some frozen but now defrosted fish that was smelly quite unappetising. Not sure how it happened, whether one of the children had looked for something and not shut it correctly or whether the build up of ice had contributed to it being open?? All cleaned up now and as much salvaged as possible.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
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

1,282Posts Today

5,783Users online

Martin's Twitter
  • I've decided my weekend starts here while the sun's glow is still baskable. So I'm signing off. Have a great weeke? https://t.co/9FxNEpDs6p

  • No not correct. The big six do, but you can get fixed tariffs guaranteed not to rise and about 25% cheaper. Just tr? https://t.co/B2ft5OS3Ig

  • Baaaa! Scottish Power has bleated and followed the herd, today announcing it's putting up energy prices by 5.5%. R? https://t.co/vi3hBxo4Hn

  • Follow Martin