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  • FIRST POST
    • GeorgianaCavendish
    • By GeorgianaCavendish 27th Jan 17, 5:30 PM
    • 621Posts
    • 3,906Thanks
    GeorgianaCavendish
    Small Steps Out Of Massive Debt!
    • #1
    • 27th Jan 17, 5:30 PM
    Small Steps Out Of Massive Debt! 27th Jan 17 at 5:30 PM
    Hi Everyone,

    I'm so glad that I've found this website because I really need to get serious and DO SOMETHING about my debts. I thought that keeping a diary on this forum would keep me accountable.

    I have taken stock and I have over 35,000 of personal debt on loans and credit cards, which does not include my Student Loan (around 18,000 but I need to check the last statement). I have no savings at all and am living pay day to pay day. I have a pension, which is probably the only semi-financially responsible thing I've done in my whole life.

    I have always had a problem with spending money. I never knew when it was time to stop spending. The idea of a budget was a foreign concept. I'd spend until everything had gone, whether that was my wages, student loan payments or birthday money. I go through phases of pretending to be responsible and looking at debt consolidation, but what usually happens is that I don't close the old accounts so a few months down the line I end up spending money on the cleared card.

    I know that I need to sort out my spending and to take a brutal look at the state of my finances and what I spend money on. I need to stop seeing credit limits as targets to reach (!!!!) and start seeing them for what they are - invitations to get into debt!

    This is what I have outstanding:

    13000 on personal loan
    10500 Barclaycard
    8000 MBNA
    2500 HSBC
    870 on catalog
    800 left on furniture (this one is interest free, there are 9 repayments left)

    I've been reading the advice for newbies threads so this weekend I am going to go through my last bank & cc statements with a fine tooth comb to work out what I am spending money on, and I'm going to find out the interest rates on all my credit accounts.

    Thanks for reading and wish me luck!


    PS. My forum name is from a Duchess in the 1700s. She was so bad with money that after she died her husband found out she was around 4 million pounds in debt. Sadly I could imagine this happening to me if I had access to that much credit
    Last edited by GeorgianaCavendish; 07-03-2017 at 3:31 PM.
Page 44
    • GeorgianaCavendish
    • By GeorgianaCavendish 10th May 18, 10:42 AM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    Housekeeping
    I tidied up my spreadsheet this morning. I was focusing too much on the MBNA figures (which were at the top of the spreadsheet) when what I really need to do is keep the focus on Barclaycard. I feel much better now the spreadsheet has been reordered to reflect my current priorities so I thought I'd do the same with my May Debt Totals

    ]May 2018 Debt Totals ... (I've added a % paid column to my spreadsheet, which appears below in green. I'm counting from the highest debt figure on each of the accounts, not from my April update)

    Total debt is 30508.57

    HSBC Personal Loan : 7953.57
    Interest rate 8.9%, 21 payments left
    41.66% Paid

    Credit Account Balances

    Barclaycard 8690
    6405.81 @ 6.9% (until paid off)
    2284.19@ 18.6

    13.45% paid

    Very 1 175.00
    Interest rate 0%, until 28 Sept 2018
    59.21% paid

    Very 2 800.00
    Interest rate 0%, until 30 April 2019
    1.11% paid

    Paypal 1450.00
    Interest rate 17.9%
    22.76% paid

    Lloyds 3250
    Interest rate 0%, promo rate ends September 2019
    9.87% paid

    Tesco 2 1100.00
    Interest rate 0%, promo rate ends 8 Feb 2019
    43.64% paid

    MBNA 7090.00
    2898.59 @ 6.9% (rate ends 9th July 2019)
    4191.41 @ 6.9% (rate ends 2nd Dec 2019)

    13.49% paid

    Priorities and Goals

    2018

    #1. Barclaycard 18.6% Balance

    #2 Very - Pay Off 0% Offers Before Expiry (Very 1 Exp 28 Sept 2018 / Very 2 Exp 31 May 2019)

    #3 is Paypal - 17.9% Balance

    #4 Continue to add to emergency fund

    #5 Stop stressing over other balances. Eyes on the teaspoon, not the lake!

    2019 Goals

    #1 Pay upfront for insurance policies in early 2019.

    #2 Move house! We're budgeting for a 200 pcm rent increase and additional travel costs of around 200 per year.

    #3 Pay off Student Loan. I'm continuing with PAYE deductions until April 2019, then I'll revisit and look at switching to Direct Debit. I think that I'll have repaid my Student Loan by the end of 2019.
    • GeorgianaCavendish
    • By GeorgianaCavendish 18th May 18, 10:39 AM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    I had a personal loan offer from Tesco on 3.9% (my current personal loan is on 8.9%) but after doing the sums it looks like I would be saving around 5 a month if I switched and kept the repayment term the same. I'm not sure it is worth the hit to my credit rating to do it for such a small saving, especially when I have two 0% deals expiring early 2019. On the other hand, saying no to saving 100? Oh, also I have a repayment bonus of 165-ish on the existing personal loan which would be lost if I repaid early. Argh! I think I will just shelve this idea and concentrate on my Barclaycard.

    I did a focus group this week, really interesting and really well paid at 95. I think that is the highest paid one I've done so far. I've got a decent balance in my Prolific Academic account (20 payable and 50 pending); and the 25 cashback from my contents insurance purchase back in January has finally been confirmed, so just waiting for it to be payable to withdraw. I redeemed 10 in Amazon vouchers from Ipsos i-Say too, which went towards my sister's birthday present.
    All in all, May has been a pretty good month for "bonus" money
    • redofromstart
    • By redofromstart 18th May 18, 1:04 PM
    • 1,859 Posts
    • 11,484 Thanks
    redofromstart
    That is good going on the bonus money!

    Popped over to say thanks for the recommendation on The Ordinary stuff. I did a 'feelunique' order the other day as they had 20% off the TIGI bulk packs that I needed, and I frittered 4ish on the Salicylic Acid solution to take me over the 15 for free P&P. Its really good and my slow to heal face looks better already. They had very little else by them in stock but worth keeping an eye out, especially if you did the 'pick n mix' samples order first to get the 3.95 credit back against your planned order.
    • GeorgianaCavendish
    • By GeorgianaCavendish 23rd May 18, 6:29 PM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    That is good going on the bonus money!

    Popped over to say thanks for the recommendation on The Ordinary stuff. I did a 'feelunique' order the other day as they had 20% off the TIGI bulk packs that I needed, and I frittered 4ish on the Salicylic Acid solution to take me over the 15 for free P&P. Its really good and my slow to heal face looks better already. They had very little else by them in stock but worth keeping an eye out, especially if you did the 'pick n mix' samples order first to get the 3.95 credit back against your planned order.
    Originally posted by redofromstart
    I'm really glad you like it I really love The Ordinary stuff I've tried so far. I'll keep in mind about the pick n mix samples on feel unique, that's a good way to try new things
    • GeorgianaCavendish
    • By GeorgianaCavendish 29th May 18, 11:52 AM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    Had a very strange bank holiday weekend, unfortunately we had to go to a funeral on Saturday for a close relative who died suddenly & in very traumatic circumstances. I was pleased to have an extra day off to try to recover a bit from the emotional toll though.

    Not much news on the MSE side, everything is just ticking along. I need to do a massive spring clean, everything has been building up over the last couple of weeks and we're running out of places to move the piles of clean laundry etc! I also really need to do a wardrobe switch over and see if there are any bits and pieces that can be ebay-ed or taken to charity shop.

    Hope everyone is having a better week than me!
    • JoJoC
    • By JoJoC 29th May 18, 12:00 PM
    • 1,128 Posts
    • 6,863 Thanks
    JoJoC
    Sorry to hear about your relative GC - what a sad situation. I'm glad you're looking after yourself and giving yourself time to deal with the emotion of it all.

    I hear you on the spring clean side! I would like a few more hours in the day + some motivation to get some stuff sorted. Hope you get there
    CC1: 4481.14/ 5031.14 (12% paid off, 600) | CC2:3307/ 3807 (14.4% paid off, 550) | Loan: 10,528.20/ 15,792.30((33% paid off, 5,264))

    July debt total: 24,630.44 | New debt total: 18,316.34 | Total debt paid: 6,414.10 (26%)
    *My debt busting and savings diary*
    • GeorgianaCavendish
    • By GeorgianaCavendish 29th May 18, 2:20 PM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    Thanks JoJo!

    Yes, motivation is also lacking at the moment if I'm honest!
    Working towards being debt free by 31st March 2020!
    • GeorgianaCavendish
    • By GeorgianaCavendish 4th Jun 18, 12:47 PM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    June Debt Totals
    This month I'm celebrating the debt getting under 30,000. The next landmark is getting to the 50% point on the personal loan which will happen in September.

    I was offered a 0% balance transfer from Tesco so I've shifted just under 1000 of my 18.6% Barclaycard debt over.

    I've been doing more sums and revisiting the idea of moving house in April next year. I think we might wait until the end of 2019 and use the extra time on cheaper rent to build up some savings / pay down a bit more debt. The extra travel costs will potentially be double what I originally estimated depending on which zone we pick, so that's added another factor to consider. Still undecided on this though ...

    Total debt is 29772.60

    HSBC Personal Loan : 7574.84
    Interest rate 8.9%, 20 payments left
    44.44% Paid

    Credit Account Balances

    Barclaycard 7588.80
    6442.15 @ 6.9% (until paid off)
    1146.65@ 18.6%

    22.38% paid

    Very 1 100.00
    Interest rate 0%, until 28 Sept 2018
    76.69% paid

    Very 2 800.00
    Interest rate 0%, until 30 April 2019
    1.11% paid

    Paypal 1400.00
    Interest rate 17.9%
    25.43% paid

    Lloyds 3215
    Interest rate 0%, promo rate ends January 2019
    10.82% paid

    Tesco 1 1075.00
    Interest rate 0%, promo rate ends 8 Feb 2019
    55.07% paid

    Tesco 2 997.50
    Interest rate 0%, promo rate ends 31 May 2020
    0% paid

    MBNA 7021.50
    2806.22 @ 6.9% (rate ends 9th July 2019)
    4215.28 @ 6.9% (rate ends 2nd Dec 2019)

    14.33% paid

    Priorities and Goals

    2018

    #1. Barclaycard 18.6% Balance

    #2 Very - Pay Off 0% Offers Before Expiry (Very 1 Exp 28 Sept 2018 / Very 2 Exp 31 May 2019)

    #3 is Paypal - 17.9% Balance

    #4 Continue to add to emergency fund

    #5 Stop stressing over other balances. Eyes on the teaspoon, not the lake!

    2019 Goals

    I've redone the sums on our moving costs. We might wait until the end of 2019 to move rather than April, to give us extra time to save for increased expenses.

    #1 Pay upfront for insurance policies in early 2019

    #2 Move house! We're budgeting for a 250 pcm rent increase and additional travel costs of around 500 per year

    #3 Pay off Student Loan. I'm continuing with PAYE deductions until April 2019, then I'll revisit and look at switching to Direct Debit. I think that I'll have repaid my Student Loan by the end of 2019.
    Last edited by GeorgianaCavendish; 06-06-2018 at 5:34 PM.
    Working towards being debt free by 31st March 2020!
    • JoJoC
    • By JoJoC 4th Jun 18, 4:07 PM
    • 1,128 Posts
    • 6,863 Thanks
    JoJoC
    Well done on getting under 30k!
    CC1: 4481.14/ 5031.14 (12% paid off, 600) | CC2:3307/ 3807 (14.4% paid off, 550) | Loan: 10,528.20/ 15,792.30((33% paid off, 5,264))

    July debt total: 24,630.44 | New debt total: 18,316.34 | Total debt paid: 6,414.10 (26%)
    *My debt busting and savings diary*
    • Purplemumof2
    • By Purplemumof2 4th Jun 18, 4:12 PM
    • 6,289 Posts
    • 23,170 Thanks
    Purplemumof2
    Well done on getting under the 30K mark x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6060.00 Cap 1: 170.00 BC: TBC

    POAMAYC 2018 #041 PD 6919.86/7000
    Savings for Christmas 273.72/400
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • allthe7s
    • By allthe7s 4th Jun 18, 8:49 PM
    • 116 Posts
    • 446 Thanks
    allthe7s
    Well done on getting under 30k!

    You've made me want to work out what my 1% is now!
    • GeorgianaCavendish
    • By GeorgianaCavendish 6th Jun 18, 2:11 PM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    Thank you! Feels good to have hit one milestone!
    • GeorgianaCavendish
    • By GeorgianaCavendish 7th Jun 18, 11:49 AM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    I'm feeling a bit demotivated. I've been spending the last couple of days repeating my "teaspoon not lake" mantra!

    I'm feeling a bit itchy over the whole debt situation and would really like to make an overpayment somewhere to hasten my progress towards the next milestone (or any milestone!). My biggest challenge at the moment is learning to live with the uncomfortable feeling of having so much unsecured debt without letting it wind me up so much that I either a. overspend or b. "overspend" by making debt overpayments I can't afford and end up in even more debt.

    Sometimes when I get this itchy feeling, I forward plan on my spreadsheet to see where I will be in x months time if I continue with repayments at the same rate. This can actually be quite motivating, to see that the balances will diminish without me spending every spare second stressing over them.
    It is a bit of a balancing act because I feel like I need to constantly watch myself in case I slip into old habits and end up even more in debt, but I guess I'm acknowledging that the constant watching is exhausting too.
    • thegirlinthegreenscarf
    • By thegirlinthegreenscarf 7th Jun 18, 12:44 PM
    • 90 Posts
    • 221 Thanks
    thegirlinthegreenscarf
    I'm feeling a bit demotivated. I've been spending the last couple of days repeating my "teaspoon not lake" mantra!

    I'm feeling a bit itchy over the whole debt situation and would really like to make an overpayment somewhere to hasten my progress towards the next milestone (or any milestone!). My biggest challenge at the moment is learning to live with the uncomfortable feeling of having so much unsecured debt without letting it wind me up so much that I either a. overspend or b. "overspend" by making debt overpayments I can't afford and end up in even more debt.

    Sometimes when I get this itchy feeling, I forward plan on my spreadsheet to see where I will be in x months time if I continue with repayments at the same rate. This can actually be quite motivating, to see that the balances will diminish without me spending every spare second stressing over them.
    It is a bit of a balancing act because I feel like I need to constantly watch myself in case I slip into old habits and end up even more in debt, but I guess I'm acknowledging that the constant watching is exhausting too.
    Originally posted by GeorgianaCavendish

    I totally get where you are coming from about feeling "itchy" and also making overpayments you can't afford. I would suggest the following


    1) Instead of overpaying, xfer the amount you want to overpay by into another a/c. If you can live without it, fine. If not you can xfer whatever you need back. so you are not into more debt.


    2) When you feel "itchy" is maybe a good time to sort through things that you want to sell, or cancel a direct debit or something. Something that will save you money or make you money.


    3) Don't be too hard on yourself. You are working through the situation the best way you can. I sometimes worry, but I am going to try yoga before I go to bed to see if that clears my head.


    Just remember, when we meet on the "debt free roll of honour" in a few years time we will look back and laugh about the days we used to worry about money xx
    MBNA (Was 2000), Now 1,441.22 (Expected date Dec/2019)
    CAR (Was 300) Now
    2,280 (Interest free loan from family member)



    **Want to be on my way to being debt free for 40**
    • Treadingonplaymobil
    • By Treadingonplaymobil 7th Jun 18, 12:48 PM
    • 1,659 Posts
    • 17,050 Thanks
    Treadingonplaymobil
    You think you're feeling demotivated, I am having a one woman tantrum about life, the universe and everything over on my diary.

    I think acknowledging that it's hard and boring and depressing is ok to do sometimes. It doesn't mean giving up or going back to old ways, it's just allowing oneself a moment of total wallowing before picking up, dusting off and carrying on. That's what I'm telling myself anyway.
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 9th August 2018: 12,248 unsecured debt/19,970 parental loan/191,323 mortgage = 223,541
    • GeorgianaCavendish
    • By GeorgianaCavendish 7th Jun 18, 2:24 PM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    I totally get where you are coming from about feeling "itchy" and also making overpayments you can't afford. I would suggest the following


    1) Instead of overpaying, xfer the amount you want to overpay by into another a/c. If you can live without it, fine. If not you can xfer whatever you need back. so you are not into more debt.


    2) When you feel "itchy" is maybe a good time to sort through things that you want to sell, or cancel a direct debit or something. Something that will save you money or make you money.


    3) Don't be too hard on yourself. You are working through the situation the best way you can. I sometimes worry, but I am going to try yoga before I go to bed to see if that clears my head.


    Just remember, when we meet on the "debt free roll of honour" in a few years time we will look back and laugh about the days we used to worry about money xx
    Originally posted by thegirlinthegreenscarf
    These are all great suggestions, thank you! I love the idea of the overpayment account and I've got an account that could serve this purpose, I could put any overpayments in there and transfer over once a month. Also using the itchy feeling to do something proactive is great!

    You think you're feeling demotivated, I am having a one woman tantrum about life, the universe and everything over on my diary.

    I think acknowledging that it's hard and boring and depressing is ok to do sometimes. It doesn't mean giving up or going back to old ways, it's just allowing oneself a moment of total wallowing before picking up, dusting off and carrying on. That's what I'm telling myself anyway.
    Originally posted by Treadingonplaymobil
    I think the wallowing is important, trouble comes from denying / distracting from those feelings which usually involves having a financial rebellion about something!
    • GeorgianaCavendish
    • By GeorgianaCavendish 7th Jun 18, 6:06 PM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    OK, I don't think this is going to help with my wallowing but it might help me when I feel the urge for a financial rebellion!

    Our debt repayments next month will be 932.74
    Last month our debt reduced by 685.90

    The debt repayments figure for next month includes agreed upon & budgeted for overpayments to Barclaycard, Paypal and Very so it isn't a completely accurate picture.
    I might do this next month and work out how much I've paid out vs how much has been paid off the debt ... for the full sobering experience!

    Even though it is infuriating to think what we could do with that 932.74 (round it up to 1000 and start saving for a deposit for a start), this has given me another goal to aim for. I'd like to get my paid out vs paid off ratio as close to 1:1 as possible ... any amount chipped off the high interest debts will make a massive difference. I feel a new column on my spreadsheet coming on!
    • GeorgianaCavendish
    • By GeorgianaCavendish 8th Jun 18, 12:30 PM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    GC's MMM Ideas of the Week
    Not a bargain this week but sharing a few of the things I've done to Make More Money.

    1. Cashback site. I've been using TopCashBack for about 18 months and I've made hundreds back in cashback. Mainly these have been bonus payments on financial products, such as insurance or credit card applications or big purchases like flights or furniture, but I've also had decent amounts for the more everyday type of purchases. It is so easy to set up an account and once you are in the habit of going to the cashback site before buying anything online.

    2. Survey sites. I know some people go nuts with survey sites but I don't have the time or patience, so I've got three that work for me. I like Ipsos i-say , YouGov and Prolific Academic. I get email alerts about new surveys from Ipsos i-say and YouGov and I check Prolific Academic when I get a chance. It takes a while to build up to a cash out but surveys have taken the place of pointless social media scrolling on my coffee breaks, so it has been worth it for me. In the last 18 months I've had 80 in Amazon vouchers from Ipsos i-say ; 50 cash out from YouGov and 120 from Prolific Academic.

    3. Focus Groups. If you have some flexibility in your schedule and can spend a few hours in an evening giving your opinion at a Focus Group they are worth it. In the last 18 months I've received almost 400 from Focus Groups! My father in law did one about cars and got 300 for his trouble.

    4. Tesco Vouchers! Forget using the ClubCard vouchers for shopping, visit the ClubCard website and see what else you can use them for. We got a 2Together RailCard to give us a discount on train fares, usually this is around 30 but we only had to spend 12.50 of ClubCard vouchers. We've also used them to get entry to a safari park, usual price would've been something like 60 for the two of us.

    5. Complain! Especially about banking problems. I used to let lots of things slide but bringing genuinely bad service to the attention of the bank is actually quite profitable. I had a 75 compensation payment from my bank after they failed to resolve a minor issue I was having with my debt card. All I had to do was fill out an online form and I got an apology and a payment within the week.

    6. Ebay. I was amazed what a market there was for some of the things I was clearing out. It has been a while since I did a big Ebay purge but last year I made around 1200 on selling things on ebay. TBH I don't think that feat will be repeated because that was a major clear out of our stuff plus childhood things at both sets of parents! My sister has also had a decent amount of success selling old VHS, DVD, CDs and cassette tapes on ebay and Music Magpie, especially with fairly niche interest items (a lot of our cousin's wrestling videos from the 90s did really well; and we sold our 1980s My Little Pony toys for a good amount - one of them went for 70 to a collector, apparently it was really rare!)

    Until a few months ago, I used to use this kind of money for debt repayments (or in a tight spot, to tide me over until payday) but I've stopped doing that because it really does fluctuate so much. Instead, I've started saving this kind of "bonus" money for Christmas or to put towards a holiday so that I feel that we're getting a treat with it but if we don't have it then we are forgoing a luxury rather than failing to make an essential expense.
    Last edited by GeorgianaCavendish; 08-06-2018 at 12:39 PM.
    • GeorgianaCavendish
    • By GeorgianaCavendish 9th Jun 18, 5:37 PM
    • 621 Posts
    • 3,906 Thanks
    GeorgianaCavendish
    Had a conversation about our aspirations to move home next year, especially given the unpleasant realisation about travel costs (we both work in Zone 1 and moving from Zone 4 to Zone 5 would be an additional 500 per year for each of us). This is before serious calculations about increases in other bills that would come with a larger property.

    Our current thinking is to stay in our flat until our lease expires (31st Dec 2019) but from 31st Dec this year we "practice" by putting the difference into a savings account. Then by the time we are looking to move, we will be used to the increased living costs and have a pot of money saved to help with moving costs. Also by the end of 2019 I should have repaid my student loan, so some of our additional expenses will be offset by the increase in my net salary.

    We might change our minds again but this feels like a more grown-up and measured approach to moving.
    • Treadingonplaymobil
    • By Treadingonplaymobil 10th Jun 18, 4:40 AM
    • 1,659 Posts
    • 17,050 Thanks
    Treadingonplaymobil
    That sounds incredibly sensible, and will give you such a good chunk of cash behind you when you move. Presumably something like cycling to and from a zone 4 station isn't feasible?
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 9th August 2018: 12,248 unsecured debt/19,970 parental loan/191,323 mortgage = 223,541
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