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    • Honeysucklelou2
    • By Honeysucklelou2 31st Dec 16, 4:05 AM
    • 1,242Posts
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    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 35
    • Honeysucklelou2
    • By Honeysucklelou2 11th Aug 18, 12:43 PM
    • 1,242 Posts
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    Honeysucklelou2
    I had quite a reality check when walking through Jews0ns and realised the cost of paint! I think I will have to budget for a room a fortnight or month, so my decorating to do list might not be as completed as I would hope. Still I'll make a start and see how far I get. Happily the fence preservative was much cheaper than I thought, so when it stops raining, I can see if I can get started on that.

    Good news and bad news in the post yesterday. The good news is my car insurance has gone down and will now cost 8 a month less . The bad news is a letter from the electricity company telling me that my direct debit is changing from 112 a month to 167. Apparently the electricity consumption has gone up by 28% compared to this time last year. I don't quite understand why that should be. The only difference is that I had the immersion heater replaced as we were struggling to get any hot water and the old one kept tripping out to the point that it would not reset. The new immersion heater works beautifully, so perhaps that is the reason? Even so a 28% rise is huge, especially as last year I was in the position of being in credit and having some money refunded.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Honeysucklelou2
    • By Honeysucklelou2 11th Aug 18, 12:45 PM
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    Honeysucklelou2
    On the plus side, it's positive to know about these changes before the finance form has to go in and is steering my thinking towards the possibility of looking for a home with cheaper running costs, if that is even possible.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • helsbell
    • By helsbell 11th Aug 18, 12:57 PM
    • 204 Posts
    • 1,134 Thanks
    helsbell
    I had a letter like that from the water company a few months ago. I went from being around 25 in credit to over 300 in debt in the space of 3 months

    They came out to check for leaks, which they couldn't find even though they were very thorough. Just before leaving, they took a meter reading and discovered that the previous reading was wrong and there was no leak and no increase in usage

    It's always worth checking the reading yourself, in case there's been a mistake.
    SPC 11, No. 062 DFD November 2020
    Aug 2017 B'card 5006.83 BoS 1086.59 MBNA 0 Total: 6093.42
    Aug 2018 B'Card 995.06 BoS 863.43 MBNA 3,644.98 Total: 5503.47
    9.68% paid off
    • Spendless
    • By Spendless 11th Aug 18, 7:47 PM
    • 20,473 Posts
    • 34,119 Thanks
    Spendless
    He then proceeded to suggest getting back together
    Originally posted by Honeysucklelou2
    The thing I like best about him is that he's your ex. Though him helping out with DD2s driving lessons, gave him his first brownie points from me. Until he stops doing things like refusing to give his address and landing you with dogs, this shouldn't even be a consideration!

    Sorry to hear about DS1s job too. Can't quite remember what he was doing, agricultural what is it or catering. I suppose though if it was a holiday job which I think it was, at least he knows it's not something he wishes to go into. Fingers crossed his results out soon may give him some direction in what he wants to do. Kids eh, I've got 2 and both are currently testing me, can't imagine having another 6 in the mix.
    • Honeysucklelou2
    • By Honeysucklelou2 11th Aug 18, 9:36 PM
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    Honeysucklelou2
    Thank you Spendless! They certainly do keep me on my toes!! As long as only one at a time has a wobble, we're ok!!

    DD2 has suddenly got lots of shifts at her place of work which mercifully is within walking distance. DD1 is pottering through each week and enjoying her work, so I'm hoping that a good working ethic will rub off on DS1.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Eager_Elephant
    • By Eager_Elephant 12th Aug 18, 8:15 AM
    • 4,506 Posts
    • 26,303 Thanks
    Eager_Elephant
    . The bad news is a letter from the electricity company telling me that my direct debit is changing from 112 a month to 167. Apparently the electricity consumption has gone up by 28% compared to this time last year. I don't quite understand why that should be. The only difference is that I had the immersion heater replaced as we were struggling to get any hot water and the old one kept tripping out to the point that it would not reset. The new immersion heater works beautifully, so perhaps that is the reason? Even so a 28% rise is huge, especially as last year I was in the position of being in credit and having some money refunded.
    Originally posted by Honeysucklelou2

    Do you keep youyr immersion switched on 24/7 or do you just put it on when needed?

    In my experience having an immersion on 24/7 costs between 1 - 1.50 per day
    Ninja Saving Turtle No. 1 for August
    NSD - 9/15
    (up to 12/8/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Honeysucklelou2
    • By Honeysucklelou2 12th Aug 18, 11:49 AM
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    Honeysucklelou2
    Ah...didn't know there was an option with immersion heaters. Must go and investigate. I know that in the winter, when our water is heated by the oil central heating system, the heater comes on for a couple of hours morning and night and isn't on all the time. I will try to check this today. Thanks for that EE!

    I've spent about half an hour updating the spending tracker to reflect recent spending. Paint and brushes has taken a 50 chunk of spending. I've also spent 40 at the vets getting my elderly lurcher a particular type of tablet to sort out flea problems. I've tried the cheaper options of fr0ntline pipettes type treatments but he doesn't get on with them. He's a faithful old friend so it's the least I can do to sort it out. Surprisingly the diesel spend is still high. I had thought that not being at work ( and not having the 30 mile a day drive) would reduce this but I'm still driving DD1 to the point at which she can access public transport to complete her journey to work.

    I've ordered DD2's clothes for the next year at college, so just need to get the bus pass sorted, although I still have about 10 days to do that.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Honeysucklelou2
    • By Honeysucklelou2 13th Aug 18, 10:54 AM
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    Honeysucklelou2
    Paid 105 off a debt yesterday and 44 off the credit card. Today's spending will involve getting milk and paying DD2's monthly insurance of 109.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Kitten868
    • By Kitten868 13th Aug 18, 10:04 PM
    • 1,061 Posts
    • 2,543 Thanks
    Kitten868
    Wow big changes afoot!
    So you'll be refunded for the total you've spent in repaying tax credits? That would be totally fantastic! Im not surprised you had to ask for it and jump through all those hoops. They never seem to know what they're talking about and all say something different so it's fantastic that you were prepared to speak to them and be as clear and calm. Well done you.
    Are you totally sure of your options in terms of buying your ex out of the house? Get all the advice you can, work out what you want and compromise between the two.
    I'm seriously impressed about the decorating! Well done you. I buy my paint from wilkinsons. They're on sale at the moment. If you don't like it you can return it and they told me their paint wins in tests against dulux.
    Keep going. You're winning! Xxx
    Loan 1 5400/8000
    Loan 2 3400/5800
    Total 8800/13800 36% PAID

    And CC 1475/1900
    • Honeysucklelou2
    • By Honeysucklelou2 13th Aug 18, 11:46 PM
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    Honeysucklelou2
    Thank you Kitten868. I haven't received any refund yet, the man I spoke to, said to ring back in 1-2 weeks time if I hadn't heard anything, so looks like I'll be ringing again if nothing has happened by Friday. It won't be a full refund according to the notional entitlement letter. They are still saying I owed 1k but even some money back would be good and the cancellation of the direct debit in future.

    I'm not totally sure if the options yet. I know I need to get the house valued as soon as I can, to be clear on the figures involved. I do love where we are but I can see the practical benefits of moving. At the end of the day, it will boil down to what I can afford to do.

    Today has been a productive day. I've washed down the walls and ceiling of the hallway with sugar soap. I'm hoping that tomorrow I can start the first coats of paint on the ceiling. It didn't rain today so the washing got dried. I've sorted through some clothes and am on a second bag for recycling. Towards the end of the day I realised the grass was long enough to warrant a cut, so hot that done. I so love using the little push mower...most relaxing!!

    DD3 decided today, that she would write out a chore chart. She duly did and has allocated a particular task each day to each child, except the toddler. I was amazed, DS2 did get in the washing and asked if he could walk my mum's dog as one of his chores. DD5 was so excited to get a chore, she was asking all day if it was time to do the washing up yet. I did do a chore chart years ago but got so disillusioned with having to constantly chase everyone up to do their task, it was quicker to get on and do it myself. I think DD3 has seen me flagging at the end of each day and decided to do something to help me. I think it will work with the little ones, not sure it will hold with the older teenagers but we will see.

    My lovely mum and grandmother have come to visit for a couple of days. Tea was homemade lasagne, garlic bread and salad. We had corner yogurts as a treat since my mum had brought her Tesc0 vouchers with her .
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • MeandO
    • By MeandO 14th Aug 18, 10:14 AM
    • 1,658 Posts
    • 8,275 Thanks
    MeandO
    Have a wonderful time with your Mum and Grandmother HSL2. xx
    House moving fund: 1602.81
    2018 mortgage OP's: 1894.35/1800

    Emergency Fund: 400
    • Honeysucklelou2
    • By Honeysucklelou2 16th Aug 18, 10:53 PM
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    Honeysucklelou2
    Thank you MeandO. The time went very quickly. My mum likes to come up in the holidays to give me a hand with household tasks, as she knows I don't get much help from the children. DD3 really wanted to light the chiminea one night so we introduced my mum and grandmother to the delights of a toasted marshmallow and a cup of tea by the fire. I think my grandmother was a little bemused but enjoyed the experience with us!!

    M and G went home yesterday. Life has been tricky with the ex, one minute he can be cordial but other times very unpleasant. It seems to have been more so since the financial papers have been sent. Trying not to worry but yesterday evening it was too much to be around while he sorted out a meal for the children, so DD1 and I headed for the beach and enjoyed the breeze blowing. We had some food at the beach which my mum had given me some money to do so.

    Today has been more cleaning and sorting. I've tidied up part of the utility room and gathered three bags of clothing to recycle.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Honeysucklelou2
    • By Honeysucklelou2 17th Aug 18, 10:09 AM
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    Honeysucklelou2
    The refund has been paid today , so will put most of it aside so that I can use it for the car MOT which is due at the end of the month.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • crazy_cat_lady
    • By crazy_cat_lady 17th Aug 18, 12:00 PM
    • 4,247 Posts
    • 36,408 Thanks
    crazy_cat_lady
    Hey HSL
    Guess what I've spent this morning doing? Learning what a superhero you are.
    I have absolutely no idea how you do everything you do - you are amazing. I struggle on my own with 2 kids and the cats, and the same job as you. And I thought that my ex was pushing boundaries a bit - but it's not a patch on what you're doing on a day to day basis.
    I've subscribed to cheer you along and also try and motivate myself to cook or bake more - however I will never, ever get into gardening.
    December in the Tardis #16 nsd = 8 New life = new debt
    DFD #1: 6 Nov 15 - paid 28,447
    • Honeysucklelou2
    • By Honeysucklelou2 18th Aug 18, 5:54 AM
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    Honeysucklelou2
    Hi CCL! Thank you for popping by and for your kind words. I pray for strength everyday to get through what needs to be done.

    Yesterday ( Friday) I spent about an hour writing an email to the new solicitor. The ex has said some things in the last week that have really worried me, to the point of sleepless nights, so I contacted the solicitor for advice. She was quick to respond and I feel calmer now. She has recommended mediation as an option for trying to work through to a financial agreement and an agreement on arrangements for the children. The ex keeps turning up on an almost daily basis at the moment.

    The new solicitor mentioned being able to pay on a monthly basis which I think I will do. She has given me an estimate in terms of time and cost but much will depend on how willing the ex is to enter into negotiations and whether he will agree to any. The 200 saved from not having to pay HMRC will now be diverted to paying a regular amount to the solicitors. I think this is the best plan, rather than face a huge bill at the end.

    DD1 and DD2 had the same day off yesterday, which rarely happens. We headed out for the day to a Forestry Commission Woods. It's about a 40 min drive but has picnic areas and a variety of walks. DD2 took the puppies and we tried them off lead. They did quite well and the exercise left them sleeping for the evening.

    I did a diesel and food shop yesterday so hoping that it will last for a week. I intend to spend today cleaning and tidying and will need to start thinking about the new term from Monday on. Time has gone so fast! It's certainly starting to feel more autumnal.

    I confess to spending 40 on an electric hedgecutter. As with the mower, I needs to build up a bank if basic gardening tools as I can't access any of the tools since separation. I've done as much as I can with shears but have a leylandi hedge on one boundary which needs trimming and the shears just cannot cope with it. The hedgecutter should arrive today. I went for the cheapest, well known brand. I'm not houseproud but do get garden proud so it will be a relief to trim the hedge. It's been annoying me all summer.

    I must book the car in for an MOT today. As a prelude I needs to get the rear tyres changed as this was an advisory on last year's MOT and when I had the front tyres changed the garage told me the rear ones needed doing as well. Busy day ahead...
    Last edited by Honeysucklelou2; 18-08-2018 at 8:02 AM.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • crazy_cat_lady
    • By crazy_cat_lady 18th Aug 18, 8:44 AM
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    crazy_cat_lady
    I pay an amount to my solicitor monthly as well - in the hope that I don't get a truly massive bill at the end of it all, although it may end up being that way. My solicitor suggested to me that I could get an injunction to keep ex out of the house if need be, regardless of whether or not his name is on the mortgage. The downside is the cost of that, but I will do it if I have to - fingers crossed it doesn't look like I will though. Might be worth considering - I presume that your home is not his, and he shouldn't really just be coming and going.
    December in the Tardis #16 nsd = 8 New life = new debt
    DFD #1: 6 Nov 15 - paid 28,447
    • Honeysucklelou2
    • By Honeysucklelou2 18th Aug 18, 8:57 AM
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    Honeysucklelou2
    That's the difficulty, it is a joint owned home, with a mortgage, but I have paid all the bills for years. He owns another house outright from before our marriage but chooses not to live there. He won't tell me where he lives. The solicitor said he has legal right of entry because it is still jointly owned but if he's coming round more than informally agreed, an injunction was the way forward. What bothers me most is when he comes round when I'm at work and helps himself to food and drink. ( Older daughter has been home and seen this happen)
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • crazy_cat_lady
    • By crazy_cat_lady 18th Aug 18, 12:58 PM
    • 4,247 Posts
    • 36,408 Thanks
    crazy_cat_lady
    . What bothers me most is when he comes round when I'm at work and helps himself to food and drink. ( Older daughter has been home and seen this happen)
    Originally posted by Honeysucklelou2
    That would really bother me as well. He sounds as though that he's treating the place as if it were still his home, but it really isn't. Hope you get the financial agreement sorted out soon.
    December in the Tardis #16 nsd = 8 New life = new debt
    DFD #1: 6 Nov 15 - paid 28,447
    • Honeysucklelou2
    • By Honeysucklelou2 19th Aug 18, 5:54 AM
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    Honeysucklelou2
    Thank you CCL.

    I seemed to spend a fair amount of time driving yesterday, just collecting children! I went into the nearest town and got the two rear tyres changed. They were noted as an advisory on last year's MOT so needed to get them done. The cost was an eye-watering 197, but worth it given the mileage I do.

    I don't feel I achieved as much due to the driving around but did get the mojito cake done ( thanks MeandO). It was quite a learning experience, as I hadn't realised you could buy white rum, I thought dark was the only type of rum. DD1 was horrified at my ignorance! The recipe gave me an ideal opportunity to use some of the mint I have growing at the allotment .
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Honeysucklelou2
    • By Honeysucklelou2 20th Aug 18, 12:39 AM
    • 1,242 Posts
    • 5,946 Thanks
    Honeysucklelou2
    At last a NSD today! The weather has been a bit grey and damp today but I did get out for a walk with DS1 this evening. I'm learning, as a parent of older teens, that if they ask you to do something with them, it's best to put aside what you're doing and focus on that request, at least that's how it's working with me at the moment. I love the fact that a walk together often means the opportunity . Tonight we went on a circular walk, across fields, including through a field of really tall maize! It was good to get out and breathe in the cool air . DS1 reminded me that it's results day on Thursday...it's come round so fast!

    He has been looking at college courses and I helped him to apply for one yesterday. It will be interesting to see what happens next!
    Last edited by Honeysucklelou2; 20-08-2018 at 1:28 AM.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
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