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    • Honeysucklelou2
    • By Honeysucklelou2 31st Dec 16, 4:05 AM
    • 1,478Posts
    • 7,331Thanks
    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 48
    • Cherryfudge
    • By Cherryfudge 12th Jan 19, 12:32 AM
    • 2,587 Posts
    • 16,124 Thanks
    Cherryfudge
    Oh no, that's not what anyone wanted to hear! First step, hot water bottles, I guess. Oil filled radiators sound like a feasible option, though you could try to get hold of parts for the boiler.
    MFW #30 Overpaid by 4,100.58/3000 in 2018 Overpaid by 555.74/2,880.00 in 2019
    Decluttered in 2019: 299/2019 as of 10/3/19
    • Drawingaline
    • By Drawingaline 12th Jan 19, 9:17 AM
    • 586 Posts
    • 2,017 Thanks
    Drawingaline
    Will it not affect hot water too? That was my issue when our boiler went, no hot showers or baths for a week unless I went to my sisters. Not good.

    Our new boiler was 2k fully fitted. Went with a local plumber from checkatrade we had used before. British gas will be incredibly expensive, but do have the interest free loans they do. Tough decision.
    • Honeysucklelou2
    • By Honeysucklelou2 12th Jan 19, 9:23 AM
    • 1,478 Posts
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    Honeysucklelou2
    Ooh that's a good idea, hot water bottles. Thank you Cherryfudge! I thought I might chat to my friend's husband who is a heating engineer and see if his opinion is the same. If it is beyond service and repair, fair enough, but equally I don't want it suggested as an up-selling strategy, if you see what I mean.

    My other thought was to use 60 from the EF to go with the evoucher and get the heated clothes airer. The other problem of the central heating not working and a very dodgy tumble dryer is the difficulty in drying anything. The current tumble dryer takes a day ( I kid you not) to dry 1 load. That's having to check and set again repeatedly because it's not at a state of dryness to be able to put away. The amount of washing we have means there is a constant backlog of wet or damp washing. Hopefully the heated towel rail will be cheaper to run and help the washing to dry. I am really dreading the electricity statement.

    On a positive note we do have the wood burner in the living room so can make that room warm and toasty! We always have an airer full of clothes in there to get as much dry as possible.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • Honeysucklelou2
    • By Honeysucklelou2 12th Jan 19, 9:25 AM
    • 1,478 Posts
    • 7,331 Thanks
    Honeysucklelou2
    Thank you Drawing a line. I have no idea of costs so that's interesting to know that 2k was your figure.

    Thankfully we do have hot water because we have an immersion. The boiler is an oil one so we tend to use the boiler to heat the water in winter and the immersion in summer. It has meant that we have continued to use the immersion, so I'm thankful we have that back up.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • Drawingaline
    • By Drawingaline 12th Jan 19, 9:36 AM
    • 586 Posts
    • 2,017 Thanks
    Drawingaline
    Thats good then. Oil radiators work really well, we use two in our conservatory and once the room is heated (takes a while) it retains the heat well.

    I really want a heated clothes dryer too so I can dry them in the conservatory rather than in the front room.
    • Honeysucklelou2
    • By Honeysucklelou2 13th Jan 19, 12:18 AM
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    • 7,331 Thanks
    Honeysucklelou2
    What an eventful day! I went to a nearby town with DD2 as she wanted to do a few jobs/get a couple of things. She wanted to go to Home Bargains, which happened to have an oil filled radiator. It's a larger one than the one I have but will allow movement of the heater, to whichever room needs it.

    We went back home, then I was intending to go to work and set off but a strange sound started coming from the tyre. I assumed that it was flat and got out to check but the tyre wasn't flat at all. I set off again, but this horrible noise carried on. DS1 then rang to say that there had been a loud bang when I'd left and he'd found a chunk of metal where my car had been. I drove back home, very gingerly, to discover that part of the suspension coil had come off. That is the sum total of my knowledge of the piece and how to fix it. So will gave to wait for the garage to open on Monday and see what they can do. It just goes to show me anew, how precarious my finances are still, as there is often little to put into a car maintenance pot, beyond what I put aside to pay the tax, insurance and AA subscription.

    On the plus side, at least it happened near home and not down a twisty lane on the way to work.

    I've made some chocolate brownies, fruit cake and 2 lemon drizzle cakes. Hopefully the tins will remain full for a while.

    Not a NSD but have paid 37 off a debt.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • Cherryfudge
    • By Cherryfudge 13th Jan 19, 12:59 AM
    • 2,587 Posts
    • 16,124 Thanks
    Cherryfudge
    Sorry indeed to hear about the car troubles. Great you can get a heater though. Have you also thought of one of those old fashioned suspended airing racks that hang from the ceiling? They work remarkably well - my in-laws had one.

    I hope tomorrow is a much better day for you. x
    MFW #30 Overpaid by 4,100.58/3000 in 2018 Overpaid by 555.74/2,880.00 in 2019
    Decluttered in 2019: 299/2019 as of 10/3/19
    • Honeysucklelou2
    • By Honeysucklelou2 13th Jan 19, 5:11 AM
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    Honeysucklelou2
    Thank you Cherryfudge, I remember my grandmother having one of those . I guess if it's over or near the fire, things would dry quite quickly.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • crazy_cat_lady
    • By crazy_cat_lady 13th Jan 19, 8:06 AM
    • 4,578 Posts
    • 39,769 Thanks
    crazy_cat_lady
    Oh no. Sorry about your car woes Depends which suspension coil it was but I paid 300 to have mine replaced a few years ago. I'll cross everything that it isn't too much.
    NST March Wins #9 nsd = 7 1 debt vs 100 days #5 50/553 Pay all your debt by Xmas '19 #56: 997.60/5750
    • Kitten868
    • By Kitten868 13th Jan 19, 8:12 AM
    • 1,131 Posts
    • 2,799 Thanks
    Kitten868
    It doesn't rain, it pours, eh? Poor you HSL. You've made massive strides forward and you're in a much better position to sort this now than you ever have been. How are you doing on the window finance? I would consider taking out a loan when that one is paid to replace the boiler and tumble drier and repair the car. That is terrible, awful advice but I think your costs would be more without them. It's not finance for something frivolous - it's essentials for a family. I cannot believe that you have been running a house of 6 kids without a decent tumble drier. You could potentially sort out the car and tumble drier without the loan by having enough money to cover the car repairs and getting a tumble drier on Freecycle?
    Clothes hanging over the fire makes me uneasy but that may be as me and hubby are so tall.
    You are brilliant and you will find the right solution for you. Its just annoying. Keep going - you're doing this xxxx
    Loan 1 5000/8000
    Loan 2 3000/5800
    Total 8000/13800 42% PAID

    And CC 1300/1900
    • Honeysucklelou2
    • By Honeysucklelou2 14th Jan 19, 12:34 AM
    • 1,478 Posts
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    Honeysucklelou2
    Thank you CCL and Kitten. Waiting now to contact the garage in the morning.

    My lovely parents visited this afternoon and have kindly lent me a car for the week, so that I can get to work. There are no public transport options!

    I chatted to my dad about the heated airer option and his response did make me think. He asked me where the water vapour was going to go. I thought I'd misheard as I didn't quite follow him at first. He pointed out that if the washing is being heated on the airer, the moisture from the clothes has to go somewhere and will, in time, affect the fabric of the building. Given that we battle black mould as it is, even when boilers are working correctly, it's made me think again. My dad has been researching tumble dryers and he and my mum have very kindly offered to lend me enough to get a new tumble dryer.

    The blessings of today are the loan of a car to be able to get to work and the chance to clear the damp washing problem.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • Cherryfudge
    • By Cherryfudge 14th Jan 19, 1:11 AM
    • 2,587 Posts
    • 16,124 Thanks
    Cherryfudge
    Your Dad has a very good point - in our house we can't avoid drying some of our things indoors and we have a problem with black mould too. I suppose you could put an airer in a closed room and leave a window open or something, but that's not brilliant.

    How lovely of your parents to help out with the car and offer of helping out to get the tumble dryer!
    MFW #30 Overpaid by 4,100.58/3000 in 2018 Overpaid by 555.74/2,880.00 in 2019
    Decluttered in 2019: 299/2019 as of 10/3/19
    • Honeysucklelou2
    • By Honeysucklelou2 15th Jan 19, 7:29 PM
    • 1,478 Posts
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    Honeysucklelou2
    Indeed it is, I only hope I can pay them back quickly.

    Surviving work at the moment...very much pondering the future.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • Honeysucklelou2
    • By Honeysucklelou2 19th Jan 19, 6:41 AM
    • 1,478 Posts
    • 7,331 Thanks
    Honeysucklelou2
    The good news is that I have my car back and a new suspension coil has been fitted. The total cost was just under 140, so am breathing a huge sigh of relief . I had been worried that it would be a lot more and am very thankful it was the figure above.

    I spent 76 yesterday on food and am hoping that we'll only need a top up of milk and bread. 23 was spent on wood but keeping warm is essential. The oil fired radiators in the bedrooms are working out well as a temporary so.ution until such times as I can get the boiler replaced.

    The new tumble dryer is being delivered today so am hoping that the damp backlog of washing will be cleared soon.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • Honeysucklelou2
    • By Honeysucklelou2 21st Jan 19, 6:33 AM
    • 1,478 Posts
    • 7,331 Thanks
    Honeysucklelou2
    On Saturday, I took the car back to my parents. I'm so thankful I was able to borrow it to be able to get to work. DD2 drove me back but we ended up calling into the hospital to get her arm checked out. She's been in pain with it for about a week and it's not easing. It took a couple of hours to be seen and the verdict was a pulled tendon. Since it was so late and the little ones who were with us, so hungry, I ended up getting a McDona1ds tea for them.

    Earlier on Saturday the new tumble dryer got delivered. Two loads have gone through and come out fluffy and dry . Hopefully the backlog of damp washing will be gone soon.

    Ended up feeling shivery and achy yesterday so didn't go out and stayed underneath a blanket for the day. I got up to make tea for the children but felt so wiped out after peeling the potatoes, I had to sit down and let DD2 take over.

    NSD 5 for January .
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • Honeysucklelou2
    • By Honeysucklelou2 21st Jan 19, 7:20 PM
    • 1,478 Posts
    • 7,331 Thanks
    Honeysucklelou2
    Felt so grotty today that I didn't go to work. I'll try and get in tomorrow. Thankfully the shivering has gone but now left with a horrible cough.

    The washing backlog is diminishing. It is so good to have dry washing.

    I had an invoice from the nursery today and my nursery costs have gone down a bit. The toddler gets 15 hours funded now, so hopefully will make a difference to the budget.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • Honeysucklelou2
    • By Honeysucklelou2 21st Jan 19, 8:44 PM
    • 1,478 Posts
    • 7,331 Thanks
    Honeysucklelou2
    The ex has sent a grocery delivery...not had that happen before. Not sure whether I feel more thankful or on guard.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
    • crazy_cat_lady
    • By crazy_cat_lady 22nd Jan 19, 8:29 AM
    • 4,578 Posts
    • 39,769 Thanks
    crazy_cat_lady
    Hope you're feeling better soon HSL - I've been completely wiped with this bug I've had and it's taking ages to get rid of.
    Lots of love
    NST March Wins #9 nsd = 7 1 debt vs 100 days #5 50/553 Pay all your debt by Xmas '19 #56: 997.60/5750
    • Cherryfudge
    • By Cherryfudge 22nd Jan 19, 11:20 AM
    • 2,587 Posts
    • 16,124 Thanks
    Cherryfudge
    The bug sounds most debilitating. I hope the cough clears up soon and doesn't stop you getting a proper night's sleep.
    Yay! to the car and tumble drier! Both are great news and hopefully will make life much easier.
    I agree, the grocery delivery from the ex, coming out of the blue, sounds very strange. Has he said anything about it?
    MFW #30 Overpaid by 4,100.58/3000 in 2018 Overpaid by 555.74/2,880.00 in 2019
    Decluttered in 2019: 299/2019 as of 10/3/19
    • Honeysucklelou2
    • By Honeysucklelou2 23rd Jan 19, 9:41 AM
    • 1,478 Posts
    • 7,331 Thanks
    Honeysucklelou2
    Thank you Cherryfudge and CCL. I went into work yesterday and ended up feeling truly dreadful. I went home at lunchtime. By the time I got home, I was frozen and took a couple of hours to feel anything near warm. I'm off work again today...feeling whoozy yesterday at work was a little worrying, so making sure I stay in and rest to get rid of this horrible bug.
    paydbx2019 #93 461.38/10,100 .
    School trips 741/1269..
    EF 160
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