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    • charlies tribe
    • By charlies tribe 7th Apr 17, 1:13 PM
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    charlies tribe
    Second time lucky... debt free diary.
    • #1
    • 7th Apr 17, 1:13 PM
    Second time lucky... debt free diary. 7th Apr 17 at 1:13 PM
    Good afternoon all. As title says, this is my second time here. I started a few years ago, debt started to go down. Then DH was made redundant! He refused to sign on and we lived from the credit cards (think he was suffering depression). I have major mental health issues but went back to work almost 2 years ago but we were scraping by while dh tried self employed (something I desperately didn't want him to do).

    In February he started a part time, temp job but has been working full time hours and looks like he could be staying at least for now.

    I've been off work for a month as I have something growing on my ear drum, vertigo is now under control, still waiting for hospital appointment but...

    From Friday we should have 2 full time wages coming in!!

    Cards have been removedso we cant rely on them and ive got my lists ready. I'm dreading posting this but here goes...

    Loan: £414 last payment this month!
    CC1: £830 min payment £25 on 5% for life rate
    CC2: £6987 0% till Jan 18
    CC3: £3185 0% till june 17
    CC4: £9035 0% till july 17 on 830 the rest 0%till sep 17
    CC5: £8816 think it's 0% for 18 months

    Total: £29267

    We have also had a sofa. payments don't start until its delivered. Ours had collapsed and we are currently on beanbags. We have had a nice one to hopefully last. The payments on that are £90 a month 0% for 4 years. so im going to add the £4287 (I think the insurance cost more than 1 chair) to the starting total.

    Total: £33554

    I don't know how long it'll take to be debt free but my aim for now is just seeing it go down not up. Thank you for reading if you've made it all the way to the end.
Page 20
    • charlies tribe
    • By charlies tribe 30th Jan 18, 8:40 PM
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    charlies tribe
    Didn't manage shopping so just called in for milk at a pound.

    They didn't remember my birthday so didn't have to buy cake but just treated myself to a bar of chocolate and a bottle of orange juice. A whole £2.50!!!

    Just on my break, better get back.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • Cherryfudge
    • By Cherryfudge 31st Jan 18, 12:27 AM
    • 1,711 Posts
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    Cherryfudge
    Oh no, I'm late! Many happy returns, I hope you enjoyed your day!

    • charlies tribe
    • By charlies tribe 31st Jan 18, 2:03 PM
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    charlies tribe
    Thank you Cherryfudge.

    DD1 came down this morning and said happy birthday for yesterday, still don't think the others know. DH says we can do it another day when there's no school/work. Think he's feeling guilty but he's right, I would of scoured every receipt /payment and told him off for spending money lol.

    I've broke down in tears twice today, absolutely no idea why! I couldn't even give DH a reason when he was trying to find out what was wrong. I've just come up to bed as have a whopping headache.

    Car had to be filled yesterday as had 7 miles left on it when he took the children swimming. Been shopping this morning and spent £64.

    Did DH SA yesterday and he's due £57 tax back and he also filled out the bit for tax relief so we will see if anything comes from that. Updated tax credits but think he wrote in the wrong estimates for this year, he asked if there would be any changes and I said we would both be probably a £1000 less than already estimated and I think he's put us both at DH's £17000. Will log in to see if it's updated later.

    Right, going to rest for an hour before kiddies come home and we get ready for swimming.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • Cherryfudge
    • By Cherryfudge 31st Jan 18, 5:00 PM
    • 1,711 Posts
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    Cherryfudge
    Hope you managed some rest and are feeling better for it? x
    • charlies tribe
    • By charlies tribe 1st Feb 18, 10:47 AM
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    charlies tribe
    Thank you. I laid there for about 45 mins but was absolutely freezing so got up. It was nice to rest though. DH got the girls up and ready for school today so I laid in bed until half 8, I was awake but just didn't want to move. Feeling better today but I know it's a day off.

    I will post 1st of month update later. The laptop wanted an update and it's been going over an hour and still only 11% complete. Due to the balance transfer fees and then deciding to just pay minimums and save any extra (If we don't do the alterations it will be paid to the cards before the 0% offer ends).

    Got lots of washing and cleaning to do and I'm going to go through the accounts to do a new SO A.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • charlies tribe
    • By charlies tribe 1st Feb 18, 3:55 PM
    • 760 Posts
    • 5,575 Thanks
    charlies tribe
    Month 10 update

    Loan: - £0!
    mbna1: - £0!
    lloyds: - £0
    mbna2: - £7529
    barclay: - £9282
    tesco: - £7422
    sofa: - £3486

    Total - £27719

    £5835/£33554 (17.3%) paid.

    Only £211 come off the total this month due to the transfer fees but at least it went down.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • charlies tribe
    • By charlies tribe 1st Feb 18, 4:00 PM
    • 760 Posts
    • 5,575 Thanks
    charlies tribe
    Just pulling this forward, will update it in a minute

    January targets

    Debts 392/600 Didn't make this due to the new plans.
    Groceries 574/600 (£16 on meds, £11 college dinners) Ive got a shop coming tomorrow at £35 so not quiet knocked the £50 off i was hoping, although my calculations may have gone wrong as i'm sure there is £50 in the weekly leftover envelope.Work from a monday so still on Jan's money until sunday
    Fuel 171/100 Had to top up a day early Feb will have £29 to top up with from both months leftover budgets.
    Pets 89/100
    School trips 107/107 (also need to start dd2 trip ready for feb)
    Lose 4/4 lb (may have put it back on this week!)
    Keep my posts updated.

    2018 targets
    Debt 211/6930 I think with the new bedroom plans i may have to drop this to £5000
    Lose 4/21 lb
    Utilities under £1500 0/£1500 Not updated for Jan online yet
    Last edited by charlies tribe; 05-02-2018 at 12:50 PM.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • WannabeFree
    • By WannabeFree 1st Feb 18, 4:07 PM
    • 1,536 Posts
    • 13,293 Thanks
    WannabeFree
    Sorry I was still catching up and missed your birthday

    Hope you're feeling better x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • charlies tribe
    • By charlies tribe 1st Feb 18, 4:17 PM
    • 760 Posts
    • 5,575 Thanks
    charlies tribe
    Thank you Wannabe, Just glad to see you back being able to catch up.

    Hope you're feeling better too x

    Had a call from work asking me to do a later shift tomorrow night and she did say they were still looking at my shifts so i may not have to drop a shift after all. Right better look at some feb goals...
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • charlies tribe
    • By charlies tribe 1st Feb 18, 4:24 PM
    • 760 Posts
    • 5,575 Thanks
    charlies tribe
    Feburary targets

    Debts 0/450
    Groceries 0/600
    Fuel 0/29
    Pets 0/100
    School trips 0/65
    Lose 0/4 lb
    Keep my posts updated.

    2018 targets
    Debt 211/5000
    Lose 4/21 lb
    Utilities under £1500 0/£1500
    Last edited by charlies tribe; 01-02-2018 at 4:27 PM.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • charlies tribe
    • By charlies tribe 1st Feb 18, 4:35 PM
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    • 5,575 Thanks
    charlies tribe
    Going to be another expensive month activities wise. DD2 birthday, she's been asking for a phone for well over a year, i really didn't want to buy one yet but all her class seem to have them, they seem so young. DD2 is off on 2 nights away with school so need to check shes got everything needed.
    Need to pay for DD3 school trip. Both girls need gym tshirts at £14 each.
    They have stopped swimming lessons (DD2 last night, DD3 has 2 lessons left) so will be £30 a month better off. Although DD2 is being chased for the club team as soon as she's 10 so may be extra needed then.

    Better go help DH with dinner, will catch up with diaries later.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • charlies tribe
    • By charlies tribe 1st Feb 18, 7:28 PM
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    • 5,575 Thanks
    charlies tribe
    Money saving/ dieting not going down well with the males of the family! Double size pack of mince went into the same size dish as we would normally use for half the size.
    So I cut it into 8 slices and fridge got half! 3 of the children had the pack of pork chops that were left so no way was I cutting a kilo of mince between 4. At least dinner tomorrow is sorted.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • charlies tribe
    • By charlies tribe 1st Feb 18, 11:33 PM
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    • 5,575 Thanks
    charlies tribe
    I should be asleep but been sat trying to put together a better budget/SOA looking back at last month. At the moment it looks like this (not in any order as just gone through statements).

    Mortgage £581
    Savings £450* will explain below
    Debt £450
    Utilities £175 Hopefully will go down at next review
    Park £50
    Netflix £10
    Swimming £120 Will be almost £40 less if they have stopped lessons
    Gymnastics £20
    Ink £8 Need to lower this
    Bus £70 Dd monthly college bus (£55) and my odd work bus
    Entertainment £100 to cover everything from days out to hair cuts
    Clothing £100 Not had a clothing budget before, may be too much?
    Appliance Insurance £8 DH has just agreed to the dryer too, not added on yet, may cancel them.
    Water £59
    TV £13
    Life ins £14
    Home ins £25
    BT £40 Includes DH mobile, i think it may have gone up as was £34 before
    Mobile £35 NEED TO SORT THIS!! CONTRACT HAS ENDED
    DD babysitting £40
    Car tax £19
    Food £650
    Fuel £100
    Pets £100
    £3237

    I'm trying to think if i've missed anything or over budgeted.
    *£450 Savings: £100 to holidays/school holiday account, £100 to christmas/birthdays and £250 to yearly account, council tax/car ins/mot ect.

    Going off our basic wages coming in, we have £3398 coming in leaving £161 to the emergency/house improvement account plus any extra wages.

    Right better go to bed.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • Mumoffourkids
    • By Mumoffourkids 2nd Feb 18, 6:34 AM
    • 618 Posts
    • 2,969 Thanks
    Mumoffourkids
    Just a couple of thoughts on your SOA. I out £100 per month into a clothes savings account. So far in January, I only have £26 in it! My kids always seem to need something. I presume your kids are probably the same so I would say £100 is probably about right.

    One other thing, are you on a water meter? I have just applied for water sure tariff for both my water charges and sewerage charges. They put a cap on your charges if you get certain benefits like working tax credits etc and if you have a large family. It might be worth looking into if you can get it where you are. I think I will probably save about £20 a month on water charges.

    Everything else looks ok though and I can't see that you have missed anything.
    Total debt Dec 2017 £23090.83
    Ma7 2018 £4621.78 79.98% paid
    Emergency fund £100/£600
    Total Savings £1258.62
    • charlies tribe
    • By charlies tribe 2nd Feb 18, 10:37 AM
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    charlies tribe
    Thank you.

    That's why I've added a clothing budget in. They only had gymnastics clothes and underwear last month but it soon adds up. Think it was over £50 on the little 2 alone.

    Water is on a fixed rate. We gave a very large pool to fill in the summer so they may be against the water meter but I'll have a look in to it.

    Quick tidy up tidy after my sister phoned and asked me to babysit. I was hoping for baby cuddles but she's fast asleep. Just having a cuppa while waiting for shopping to be delivered.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • charlies tribe
    • By charlies tribe 5th Feb 18, 12:49 PM
    • 760 Posts
    • 5,575 Thanks
    charlies tribe
    Good morning. Been a busy weekend. While i was at work Saturday DH has ripped the pantry out, the old concrete slab has gone. We were going to fetch new shelving but realised that once a shed was in, we have a utility room full of shelving. So we have ordered free standing shelving for all the utility things and then the shelving in there can be used in the pantry. The free standing stuff will then go across in to the (eventual) new shed.

    Checked the bank this morning and not much has changed. I have had a payment from tax credits that i wasn't expecting, i have a feeling it's from putting in last years income as it was still estimated. If it is, then we have an extra £800 to the room re-arrangement and getting the fence fixed ready for summer. I'm not touching it until I've had confirmation though.

    Had DH club card vouchers this morning so thought i'd check online. His staff card isn't connected to his old cards, he had £9 just sitting there that we couldn't do much with, other than food shopping, so I've phoned and had his cards linked, it should be showing by the morning then i'll be able to use them with his new vouchers. Mine hasn't come yet but I've logged in to mine to see and i now have £63 of vouchers there. So between us we should be able to cover some days out over the summer.

    Need to do the first shop of the month today. Will have to do it after work if the delivery hasn't arrived before. We spent £16 on Saturday on pizza (from the counter as kiddies wanted takeaway!) and a few bits to manage school lunches today, but that's come out of last months budget.

    Feb spending:
    2nd: £9 entertainment (phone adaptor for DD)
    4th: £69 House (shelving)
    Last edited by charlies tribe; 05-02-2018 at 12:54 PM.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • charlies tribe
    • By charlies tribe 5th Feb 18, 10:42 PM
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    charlies tribe
    Work done, shopping done, gymnastics and swimming done. Kiddies in bed (except DD1) we're just going to have some dinner. Seem to have spent quiet a bit today. Can see this gymnastics being more expensive than i thought and DD1 is arranging to go to the gym with a friend, guess she's going to want money for that too.

    Feb Spending
    5th: £2 DD1 dinner money, £2 gymnastics raffle tickets, £28 gymnastics t shirts, £55 shopping (included £16 beer he's been told has to last the month and pull ups at £8.50) and £18 on 2 new pairs of school shoes!
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • Mumoffourkids
    • By Mumoffourkids 6th Feb 18, 5:45 AM
    • 618 Posts
    • 2,969 Thanks
    Mumoffourkids
    £18 is good for two new pairs of school shoes!

    Two of mine go to gymnastics but it’s more of an acrobatics class. No expensive outfits to buy, they just wear leggings and t-shirts normally. The waiting lists for actual gymnastics classes round here is about 2 years as max whitlock trains near us!
    Total debt Dec 2017 £23090.83
    Ma7 2018 £4621.78 79.98% paid
    Emergency fund £100/£600
    Total Savings £1258.62
    • charlies tribe
    • By charlies tribe 6th Feb 18, 1:17 PM
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    • 5,575 Thanks
    charlies tribe
    £18 is good for two new pairs of school shoes!

    Two of mine go to gymnastics but it!!!8217;s more of an acrobatics class. No expensive outfits to buy, they just wear leggings and t-shirts normally. The waiting lists for actual gymnastics classes round here is about 2 years as max whitlock trains near us!
    Originally posted by Mumoffourkids
    Thank you. They were only Mr T sale shoes but DD2 boots had fallen apart and DD3 wasn't much better. They've had 'shiny' ones too do probably won't be long before they're scuffed.

    The gymnastics class seems to be more of an acrobatics class too but looks like they do a lot if competitions, galas, days out etc. Girls are loving it though.

    I need to be banned from the bank card!! DH went to the hardware store to fetch bin liners while I went to fetch the bits I had forgot last night. While I was waiting for him and wondering round, £34 of junk food fell in to the trolley! There was a lot of yoghurt, more fruit and ham but also lots of snack bits like brownie bites, choc rolls...
    I have DH £20 (as the machine was only letting me draw out in 20's) he spent £2 but i'll deduct it from this weeks food money as he will fritter it away without telling me.

    6th: Dog food £64, cat food/litter £16, £34 food, £20 DH (food), £16 DD1 top.
    Last edited by charlies tribe; 07-02-2018 at 1:56 PM.
    LBM in April 17 - £6655/£33554 (19.8%) paid.
    2018 PAID OFF TARGET £1031/£5000 (20.6% paid)
    SPC #591
    • Cherryfudge
    • By Cherryfudge 6th Feb 18, 2:49 PM
    • 1,711 Posts
    • 9,250 Thanks
    Cherryfudge
    Oh dear to the bank card! Maybe carry a basket instead of a trolley next time.

    Gymnastics clothes can be expensive though at club level I seem to remember it's basically for a good quality leotard (hand wash in pure soap, in DD's case!) DD went on to do competitive cheerleading and every time the squad got a new uniform (once it was twice in a year) they had to get another, upwards of £100. However there was a market for selling them on so she sometimes had items from last year's squad. It may be worth asking other parents or the coach about people willing to sell kit because it does happen - especially while they're growing.
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