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  • FIRST POST
    • 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 27
    • charlies tribe
    • By charlies tribe 8th Apr 18, 12:57 PM
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    charlies tribe
    Shopping has arrived and put away. Ive updated the post above.
    Looking at the budget up until last night (first weeks money), we aren't doing to bad so far. I still haven't fetched the school bits needed though.

    Food £108.84/£750 (5 Sunday shopping days at £150 each)
    Pets £0/£100
    Fuel £0/£100
    Entertainment £34.15/£100
    Clothing £9/£100 (Hoping to stick to this but DS1 needs school shoes and DD3 needs school jumpers and they are all ready for summer clothes)
    Medical £8.80
    House £78.27
    Last edited by charlies tribe; 10-04-2018 at 9:06 AM.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 9th Apr 18, 1:24 PM
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    charlies tribe
    Yesterday afternoon was quite productive. Neighbours came round to ask if they could cut the hedge while they were doing the other side. It had got to about 8/10ft tall. DH had been planning to do it last year so of course said it was ok and went out to help and it is now about 4/5ft high. Neighbours have took the hedge away saving us disposing of it.

    They have also mentioned hedging the back garden so we said we would go half as were were planning on replacing the fence anyway and they paid half when we hedged the front. We will need to put in a temporary fence (chicken wire or something) just to hold the dogs back for now.

    I spent the afternoon catching up on as much washing as i could.

    We also spoke to DD1 about the bedroom situation, there is no way we are going to afford the room move this year in case the boiler has to be replaced so we have about decided that the girls will move back into the big bedroom and we will eventually put up a temporary wall for them. There really isn't enough room in the middle room for them all, we still have so many of their toys and clothes in our room it makes sense to swap back.

    Did spend a good while yesterday debating if we should book a weekend at legoland. But decided the £400 could be used much better elsewhere.

    Today we have been to fetch a bag of dog food to find out it was our free bag! so £30 saved there. Then we have fetched the hedge cutters so DH can finish the hedge now the chainsaw has gone back. They were over £100 last year but when he went for them today they were reduced to £53. Also fetched DS2 todays new DVD and some juice.

    I've got 2 loads of washing on the line, just hoping it dries.

    So over all had a couple of money saving days.

    April 9th= £9 entertainment (DVD) £3.51 food £53 house £25 fuel
    Last edited by charlies tribe; 10-04-2018 at 9:06 AM.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 9th Apr 18, 2:52 PM
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    • 5,753 Thanks
    charlies tribe
    I'm doing well today. Have logged in to my utilities online to find that the new meter fitted in Jan still isn't showing and that the estimate matches to the old one. Spent ages on the phone trying to explain it to the advisor who didn't understand what i was trying to tell him and kept telling me that they would contact me if they couldn't take readings! Obviously not as the other one had been in almost a year before i rang up about it not showing.

    He then rang back asking for the serial number as it wouldn't let him change the reading and i think it finally clicked that we had already had it changed and it still wasn't working. He finally realised that it wasn't the first smart meter fitted and that they had both failed somehow. He's now passed it over to a technical team.

    I've also rang about the mortgage and if we were accepted to switch rate we could have a 2 year deal at 2.79% reducing payments by £83 or a 4 year at 3.34% reducing payments by £63 a month but they would check income outgoings first so not sure if they would even offer it.

    I'M just getting ready to go fetch the children from school by myself for the first time in months and i've got DD1 an interview at the ice cream shop on friday (saw it advertised on facebook so messaged them straight away).

    Feeling a little bit pleased with myself that some big frogs have been tackled.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 11th Apr 18, 3:51 PM
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    charlies tribe
    Monday evening we had to put fuel in the car as DH was asked to work that night and the car was running a bit low.
    I was at work yesterday so caught the bus to work as DH was still in bed. Met him at swimming with DD3. I watched DD swim while DH went to fetch some sweets that I had promised the DD for being really good getting up for school. He came back with all sorts!
    Today I have paid for DD1 ms office as she said word is the only way of submitting it to the teacher due to what the teacher uses. It had to be in today so I just paid for it this time. I got it through @mazon for £62 instead of direct for £80.
    I've been for my check up at the hospital this morning and then went for a wonder around garden centres looking at fencing. We have decided to order a wire mesh type for £27. I've ordered 1 roll for now but will need another when we get to the other side of garden.

    So lots of spending in the last few days.

    April 10th=£13.65 Food £1.90 bus
    April 11th=£62 ms office £27 house (fencing)
    Last edited by charlies tribe; 11-04-2018 at 4:17 PM.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 15th Apr 18, 9:35 AM
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    charlies tribe
    Morning. It's been a busy few days. Done a couple of hours overtime so on my way to covering the Wednesday i took unpaid.
    Shopping hasn't gone well again this week, lots of 'little shops' that turned into £20 shops. Need to get the weekly shopping better so i'm not having to go shopping for that 1 item (or DH doesn't, he's the worst culprit for snacks).
    Can't believe how nice it was yesterday! I did some washing to put out this morning and it's a bit cool and misty at the moment.
    Need to get cleaned up before the shopping arrives.

    April 12th=£19.64 food (£5 of this was tubs for lunch boxes/fridge that were on offer)
    April 13th= £13.50 food
    April 14th=£13.37 food £6 food (sack of potatoes)
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 15th Apr 18, 9:43 AM
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    charlies tribe
    So after this week the budgets stand at
    Food £289.80/£750 (5 Sunday shopping days at £150 each)
    Pets £20.39/£100
    Fuel £25/£100
    Entertainment £43.15/£100
    Clothing £9/£100 (Hoping to stick to this but DS1 needs school shoes and DD3 needs school jumpers and they are all ready for summer clothes)
    Medical £8.80
    House £158.27
    Bus £1.90
    Other £62 (ms office)

    DD1 went for an interview on friday and a days work trial yesterday, she hated it. It was in an ice cream kiosk, she did about 15 mins training and then they left her in a lay by to work by herself. She hated being in the middle of no where with only the odd car passing by. I think she has decided it's not for her. She did get £30 for yesterday though so hoping she keeps it towards a driving lesson.
    Last edited by charlies tribe; 15-04-2018 at 9:47 AM.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 15th Apr 18, 5:02 PM
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    • 5,753 Thanks
    charlies tribe
    Shopping arrived and put away. I've forgot my shampoo, will need to get that tomorrow as it's they only one that helps with my scalp and the strawberries haven't come so will get them too.
    I put 3 loads of washing on the line to save on using the dryer and now it is absolutely throwing it down. It's probably wetter than when it went out. I've done another 2 that have gone on the airer in the conservatory and then a load of towels that have gone straight in the dryer. I'll fetch the outside stuff in when it stops raining.

    DD1 has become a GBBO fan and wanted to do some baking today, we now have jelly, cake pops and mini cupcakes, not exactly TV material yet but i'm not complaining at all the nice tasting things (at least not until i stand on the scales in the morning!).

    Had DH renewal for the car yesterday, it was £540 last year and they are quoting over £700 this year! Just been on first comparison site and have got a quote for £370 so far, almost half this years quote!

    Need to sort some dinner as DH at work tonight. I'll come and catch up with diaries when it's a bit quieter tonight.

    April 15th= £101.65 food £6 food (shampoo)
    Last edited by charlies tribe; 15-04-2018 at 10:34 PM.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • WannabeFree
    • By WannabeFree 15th Apr 18, 5:25 PM
    • 2,028 Posts
    • 18,509 Thanks
    WannabeFree
    I was going to ask do you shop everyday? I'm still catching up so sorry if you've already answered this.

    How's the boiler holding up?

    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 15th Apr 18, 5:53 PM
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    charlies tribe
    Hi Wannabe. I was trying not to shop every day but so far this month I've managed 1 NSD. I'm trying to get the Sunday shop more organised as i keep forgetting odd bits and then end up with things i don't need. Finishing work in the day seems to have had an impact too as when it was midnight i couldn't pick up the odd item after work as the shop was shut. I need to try and maybe split it into 2 shops instead of trying to do a big shop on a Sunday so i only have a few days to think about and not long to go if something is missing.
    It's one of the reasons i'm trying to log every spend on here so i can see where it disappears to every month as i usually give up when just writing it down, this way i can see where all those odd little shops are adding up.

    Boiler not to bad at the minute, it still goes from hot to cold to hot all the time but it isn't turning the heating on with it and we can turn it off between showers and it warms back up. Before we were having to jump in one after the other as if it was turned off it wouldn't come back on. DH has been looking into the hot/cold thing and it could just be a £10 part to fix it.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 15th Apr 18, 10:33 PM
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    charlies tribe
    After my last post i have ordered my shampoo. Tomorrow i am not walking in to a shop! It was also 30p cheaper. Added it to my post above.
    Washer and dishwasher have been going all day, DD has made so many pots while baking, how she managed to use all 3 jugs i will never know!
    Tomorrow is supposed to be nice so going to try and get an earlier night.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 16th Apr 18, 12:18 PM
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    charlies tribe
    Morning. A lovely sunny day out there.
    Lots more washing to do today. Trying to get through a few sleeping bags and blankets that have been sat in a basket waiting until they could go on the line. I've had a charity bag through this morning so i might bag this huge box of clothes that has been sat in the living room since Christmas. The plan was to sell what i could but now i just want the space back and the clutter, that is everywhere, gone.

    Been sat with DS2 while he has done his work sheets, We've been doing some year 1 sheets and i actually got a few questions wrong! One was fruits and veg and we put peas and sweetcorn in veg and they're actually fruit and then which invertebrates can fly, and we put grasshopper in the can't fly box. Yep, I felt a bit silly when it marked them as wrong, lol.
    So now to start on the house work and make the most of my Mondays off. There's definitely plenty to be getting on with (that much i'm not even sure where to start).
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 16th Apr 18, 3:22 PM
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    charlies tribe
    So far today is still a NSD!
    Washer is still going. I've decided to try and do an hour in each room each week and hopefully i should soon start seeing improvements. Today was the bathroom! After an hour it is looking a whole lot better and i also found 2p for the pot.

    I've just put dinner on for the little ones before gymnastics and swimming and we will have ours later with DD1 as she doesn't finish college until 5.

    Just requested a payout from a cashback site, about £40 after charges (it's going into paypal so not sure how much i'll end up with). Not sure what to do with it yet though.

    Better go fetch some little ones from school.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 23rd Apr 18, 10:33 AM
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    • 5,753 Thanks
    charlies tribe
    Good morning. Cant believe it's been a whole week since i last posted. The garden is going well, fencing in and the new hedging planted. Lots of washing done yesterday before the weather changes. Sofa payment has come out this morning.
    I've realised i have a major problem with fetching bread/milk and then buying lots of snacks. I'm going to try and do 2 bigger shops this week to try and cut down on the impulse buying.
    April 16th= NSD
    April 17th=£19.53 food £20.25 clothing (hats) £81.10 fuel
    April 18th=£24.93 entertainment (beer and ice creams)
    April 19th=£11 fuel (for lawnmower)
    April 20th=£18.68 food
    April 21st=£0.90 food (bottle of water) So close to a NSD but was way to warm at work.
    April 22nd= £70.01 food
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 23rd Apr 18, 10:42 AM
    • 805 Posts
    • 5,753 Thanks
    charlies tribe
    Budget so far this month is at
    Food £506.57/£750 (5 Sunday shopping days at £150 each)
    Pets £20.39/£100
    Fuel £117.10/£100
    Entertainment £68.08/£100
    Clothing £29.25/£100 (Hoping to stick to this but DS1 needs school shoes and DD3 needs school jumpers and they are all ready for summer clothes)
    Medical £8.80
    House £158.27
    Bus £1.90
    Other £62 (ms office)
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • WannabeFree
    • By WannabeFree 23rd Apr 18, 11:05 AM
    • 2,028 Posts
    • 18,509 Thanks
    WannabeFree
    Sorry I never came back to see your reply.

    I was going to say it seems alot of your spends seem to be in the supermarket and trying to cut the shops down. Honestly if I nip into the supermarket for a loaf it can be £20 a time!

    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 30th Apr 18, 11:28 AM
    • 805 Posts
    • 5,753 Thanks
    charlies tribe
    Thank you Wannabe. Sorry i haven't been back to see your post, I must have missed the notification.

    It has been another busy week yet I don't seem to have got much done. Last payment for the month has come out for the credit cards this morning. As it is the last day of the month i have swept £181 over to the home/emergency account. We will see the difference in my next wages so may be the last large amount transferred for a while. I have also paid almost £1200 to the council tax so the yearly bills account is looking a little bit sad today but there is still enough for the car insurance next week.

    DH has been having major problems with his back again, he was struggling to walk and to sleep. He is so fed up of living on painkillers and physio just gives him a list of exercises to do that don't seem to work. We have decided to try Osteotherapy. He had his first appointment on Monday and there is a lot of vertebra that wont move or very limited movement. We had a talk and have decided to give it a try for a few weeks at least to see if he notices a difference. His health is a priority. It's going to cost £35 a session, we are going to use the home/emergency fund for now.

    After reading other diaries we are going to try and fit in a family meeting about finances/budgets and any behaviour/chores. I'm hoping it might stop all the 'can we have' when out shopping if they know exactly what we have.

    I need to start making plans for the children's birthdays this month. I have twin nieces and a nephew, 3 of our children and DH all in June and DD1 will be 17 and would like driving lessons for her present, How expensive are they now! Think mine were £10 an hour. Then we have DD3 at beginning of July too and she would like a party.

    It's a very busy afternoon, DH has an osteo app, girls have swimming and Gymnastics.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 1st May 18, 10:05 AM
    • 805 Posts
    • 5,753 Thanks
    charlies tribe
    Month 13 update

    Loan: - £0!
    mbna1: - £0!
    lloyds: - £0!
    mbna2: - £7305
    barclay: - £8669
    tesco: - £7199
    sofa: - £3216

    Total - £26389

    £7165/£33554 (21.3%) paid.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • charlies tribe
    • By charlies tribe 3rd May 18, 6:35 PM
    • 805 Posts
    • 5,753 Thanks
    charlies tribe
    Good evening. I seem to be struggling to find time to post and read diaries at the moment. I just wanted to post to say I've finally phoned up about the mortgage and we have (Hopefully) switched to a new 4 year fixed rate saving £61 of interest a month.
    Need to tackle the car insurance next as it's due next week.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
    • Chrystal
    • By Chrystal 3rd May 18, 6:39 PM
    • 550 Posts
    • 3,648 Thanks
    Chrystal
    Brilliant saving on the mortgage.... well done you
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • charlies tribe
    • By charlies tribe 3rd May 18, 7:20 PM
    • 805 Posts
    • 5,753 Thanks
    charlies tribe
    Thank you Chrystal. I was petrified the whole time that they would say no. Reading out our debt figures to a complete stranger was embarrassing.
    LBM in April 17 - £12652/£33554 (37.7%) paid.
    Mortgage@1 June 18 = £2373/£76350 paid.
    Total debt @ 1st June 18=£102311 £94879
    SPC #016
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