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  • FIRST POST
    • Honeysucklelou2
    • By Honeysucklelou2 31st Dec 16, 4:05 AM
    • 911Posts
    • 3,666Thanks
    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 33
    • Honeysucklelou2
    • By Honeysucklelou2 9th Jul 18, 3:04 AM
    • 911 Posts
    • 3,666 Thanks
    Honeysucklelou2
    The coming weeks are going to be a tight squeeze as I have to pay for the balance of DD4's camp, new uniform for DD4 as she transfers to secondary in September ( and is a totally different size to the others so no hand me downs available) and the balance of this month's nursery fees.
    paydbx #93 692/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
    • Honeysucklelou2
    • By Honeysucklelou2 12th Jul 18, 7:47 PM
    • 911 Posts
    • 3,666 Thanks
    Honeysucklelou2
    Spendy day today as the balance for the camp was paid (165) and new uniform had to be bought from the secondary school at a special new starters' evening. I had to get one of the smallest sizes possible for DD4 and have spent 80 on jumpers, a tie and the sports uniform. Even then I didn't get all of the sportswear as DD3 offered to give her sister her old waterproof sports top and she said they rarely used the socks anyway so wasn't worth getting. That's two of the expenses paid for that I needed to do. Just got to clear the rest of the nursery fees before the school holidays start.

    I'm starting to feel a little edgy about how I'm going to keep the groceries spending at the present level over the summer holidays. As it is, since DS left school, I've come home from work to find cereal gone and various things from the freezer. Obviously he needs to make himself lunch and snacks through the day but perhaps not quite in the quantities that he is getting through at the moment!!
    paydbx #93 692/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
    • Kitten868
    • By Kitten868 12th Jul 18, 8:13 PM
    • 928 Posts
    • 1,986 Thanks
    Kitten868
    Hi HSL I so thought I'd responded! No matter how tight you always make it work. I'm sure you'll get there. The uniform is making me wince! I never understand how they work out the sports kits out - and as your dd says they never get used!
    What about selling the puppies? If you use the money to pay for the kids that's more than fair xxx
    Loan 1 5800/8000
    Loan 2 3800/5800
    Total 9600/13800 30% PAID
    • Spendless
    • By Spendless 12th Jul 18, 9:21 PM
    • 20,198 Posts
    • 33,469 Thanks
    Spendless
    I have the same issue with a teenage son and food. We've tried portioning stuff up in a separate bag/container with a label saying 1 portion. Don't know if that's any help.
    • Honeysucklelou2
    • By Honeysucklelou2 12th Jul 18, 11:27 PM
    • 911 Posts
    • 3,666 Thanks
    Honeysucklelou2
    That's a good idea Spendless, to portion it. DS2 is starting to show similar levels of appetite! When the holidays start I'll have more time to keep the tins topped up with baking but I can't quite keep up with them in term time!
    The good news tonight us that the place where DS is working have offered him an apprenticeship and he's thinking about it...hurray!!!

    Selling the puppies is tricky as DD2 has already paid her Dad for one of them and none of the children want to lose the other.
    Last edited by Honeysucklelou2; 12-07-2018 at 11:30 PM.
    paydbx #93 692/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
    • Cherryfudge
    • By Cherryfudge 13th Jul 18, 12:22 AM
    • 1,850 Posts
    • 10,042 Thanks
    Cherryfudge
    Well done to your DS!
    MFW #30 Paid off 2,109.13/3770 as of 12/7/18
    • Kitten868
    • By Kitten868 13th Jul 18, 9:59 PM
    • 928 Posts
    • 1,986 Thanks
    Kitten868
    I knew you'd get stuck with all those puppies! I have no idea in terms of managing teenage boy appetites. I imagine even locking the doors wouldnt get you anywhere. Cheap cereal?
    Loan 1 5800/8000
    Loan 2 3800/5800
    Total 9600/13800 30% PAID
    • Honeysucklelou2
    • By Honeysucklelou2 13th Jul 18, 11:49 PM
    • 911 Posts
    • 3,666 Thanks
    Honeysucklelou2
    Cheap cereal is a good idea, Kitten868. It's one food that both older boys turn to first. I try to get Mr T's own brand of weetabix and shreddies in a bid to fill them up.

    Today DD2 was home so she wanted to go somewhere and do something. We ended up taking the puppies along a nearby river walk. DD2 has now saved up to inoculate the pups but asked me to contribute 20, which I did. I would struggle more to pay vet bills if they fell ill through not being inoculated, if that makes sense. It was quite weird today going out with these puppies. They are at the very cute stage and I can see how their presence is helping DD2. She is quite introverted and it's often hard to know how she is feeling about things but I could see her enjoying these pups today and yet I felt quite detached from them.

    Spent a lovely evening on the beach. It's starting to get busier now so lots of people on the beach until late. The tide was going out so we're gained extra beach through the evening!
    paydbx #93 692/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
    • Honeysucklelou2
    • By Honeysucklelou2 15th Jul 18, 11:06 PM
    • 911 Posts
    • 3,666 Thanks
    Honeysucklelou2
    It's been a busy couple of days. I've been trying to get the house a little more ship-shape after the busyness of work over the past few weeks has meant it looks a little neglected. I've been able to get 4 loads of washing through, particularly in a bid to get DD4 packed up for school camp. This camp is not under canvas but actually in a city, to give the children a taste of urban life. It'll be interesting to see how she gets on. Unfortunately the trip has necessitated getting a pack of leggings as hers all seemed to have holes in or she had grown out of them.

    On Saturday it was the school fete. I felt obliged to go but set a budget. My lovely dad gave me some money for the children to spend so they weren't pestering me for extra money that I simply don't have.

    Today, I have also had time to catch up with a bit of baking. One batch of salted caramel muffins and a batch of brownies are in the tins!
    Last edited by Honeysucklelou2; 15-07-2018 at 11:18 PM.
    paydbx #93 692/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
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