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  • FIRST POST
    • XSpender
    • By XSpender 4th May 17, 11:12 AM
    • 2,970Posts
    • 30,662Thanks
    XSpender
    Spend Nowt, Buy Nowt, Owe Nowt
    • #1
    • 4th May 17, 11:12 AM
    Spend Nowt, Buy Nowt, Owe Nowt 4th May 17 at 11:12 AM
    How do I start what feels like yet another diary?

    After being on the MFW board I have come back to the DFW board to shift the debt we have run up in the last 12 months.

    A quick back story….DH and I are classic impulsive over spenders who went pop back in late 2008 and managed to climb out of the pit of debt we were in by me losing my job and a big redundancy pay out in early 2010. We avoided debt until 12 months ago when we found our dream house about 4 months before we had planned to start looking which we could afford but were short on the deposit. If we had only ended up borrowing the bit we needed to top up the deposit we would be have been debt free by now.

    We have run up debt on buying the house, having some work done in the house and some furniture and soft furnishings and impulsive spending on holidays, meals out and the odd high ticket item. We thought we were past making these kinds of stupid decisions and are both worried and angry with ourselves at the level of debt we are in once again.

    The one thing we are agreed on is that we will live on fresh air to keep this house and we need to sort our finances out to give us the security that this could never happen. One day I will get to be a MFW again!

    To make matters worse 6 months after we moved DH has had some issues at work and has taken a job (same company) at a different location which has resulted in a reduction in the bonus he is paid monthly effectively reducing his monthly take home pay and his travel costs have gone up significantly. It hasn’t done much to reduce his stress levels either!

    Worrying about money and our financial security has started to get to me and I don’t want to feel like that again, I thought I had left that behind in 2010. It makes me worry about losing my job and I then start to doubt my ability to do my job. I also worry it will impact on our ability to re-mortgage at a good rate in 12 months’ time.

    I manage the finances but DH has (finally) got on board and has been writing his own plan about how we can stop spending and stop buying so we can owe nowt. Our good friends are also pulling in the purse strings as they have a family holiday to pay for so we have agreed to entertain each other at home rather than go out for meals with the kids which we did at least twice a month.

    Current Debts

    Bank of Mum and Dad - £4336.66 (17 payments left)
    Bank Loan - £12,114.51 (49 payments left)
    Bank CC - £9019.51 (1% payment to come off for May) – all at 0%
    DH CC - £5500 approx. – all at 0% until August
    My CC – £5782.31 – mostly 0% but some spending at standard rate
    BNPL – £400 – due 21st December 2017
    Owed to DS – £1296.79 – 0%
    Balance of trip to New York - £1098 due October 2017

    TOTAL £39,547.78

    Our plan is to drastically cut our spending and cancel the trip to New York for a start. There is not much we can do about our bills until June/July when they will all be up for renewal and I will hit the comparison sites. It is our spending on food and booze and stuff that needs to be reigned in hence the title of this diary.

    If we can stop adding to the debt by paying the minimum payments each month as well as clearing the BNPL we will knock £6000 off the balance by the end of this year. My goal is to be under £30,000 owed by the end of the year and then have cleared all CCs by June 2018 which is a massive challenge. We both get performance related bonuses, DH quarterly and me twice a year but none of these are guaranteed.

    Wish us luck and control over our spending urges.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
Page 17
    • XSpender
    • By XSpender 24th Dec 17, 9:04 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    DS could not get to sleep last night until after 10pm and then woke up at 3am having wet the bed. I'm shattered. He hasn't done that for a long time but yesterday he was very excited for Christmas. This is the first year he has been so excited (he's 7). I will wash and dry his bedding today as this is his only set now he is in a double bed. I only put it on last night

    I only have 2 items left on my to do list:

    Dye my hair
    Hide the laundry

    But will add:

    Tidy living room
    Move all our bedroom stuff out of DS room
    Dust and vac DS room
    Label our gift to DS
    Defrost foods for tomorrow
    Walk the dog

    I am going to make another cup of tea, give DS his breakfast and then go and dye my hair before I go in the shower. Not much time this morning as we have to leave at 11.30pm for lunch.

    Banking has been checked and I was going to TT 37p to the CC but all my budget is allocated and it would put me in the red in YNAB. The debit card payment I made to the target CC still hasn't cleared which is a bit frustrating.

    The LTSB CC statement is available so I will check this as the balance has gone up but this is due to having to book some hotels on it before my replacement corporate card turned up. I will use the actual figure in my totals otherwise I will get in a fuddle and it will be paid off at the end of Jan with my expenses anyway.

    I will update all my balances on NYE.

    If I don't get back on today Merry Christmas to you all xx
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Dec 17, 11:40 AM
    • 4,411 Posts
    • 30,579 Thanks
    HairyHandofDartmoor
    Hope you have a lovely Christmas XSpender, you've certainly been busy
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • XSpender
    • By XSpender 24th Dec 17, 3:12 PM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    Hope you have a lovely Christmas XSpender, you've certainly been busy
    Originally posted by HairyHandofDartmoor
    Merry Christmas to you too.

    Lovely lunch with friends and now chilling on the sofa with a large cup of tea. DS bedding will be dried and put back on his bed and I will check what needs defrosting. Other than that I am putting my feet up until tomorrow
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • apple muncher
    • By apple muncher 24th Dec 17, 3:29 PM
    • 7,367 Posts
    • 55,491 Thanks
    apple muncher
    Hope that ds makes it through the night tonight.

    And that you all have a lovely Christmas x
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • XSpender
    • By XSpender 24th Dec 17, 4:54 PM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    Merry Christmas Apple, I hope you have a lovely day.

    DH has just got a call to say he had won a local pub raffle of a booze hamper
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • WannabeFree
    • By WannabeFree 24th Dec 17, 6:22 PM
    • 1,597 Posts
    • 14,024 Thanks
    WannabeFree
    Well done the win, perfect timing

    Have a lovely day tomorrow x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • XSpender
    • By XSpender 27th Dec 17, 9:42 PM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    I hope everyone had a lovely Christmas.

    DH and I both said that this is one of the nicest Christmases we can remember. We were feeling very grateful for everything we had on Christmas Eve we made a donation to a local charity to buy several Christmas lunches for the vulnerable and homeless.

    No money has been spent since Christmas Eve and we have not thrown any food out. I managed to prep the right amount for once so there have been just enough leftovers to keep us going until this evening. Although I do have a lot of cake stuff left and the best part of a Christmas pud!

    I'm planning a sausage casserole to use up the veg and the mash potato I left in the microwave on Christmas Day

    DH and is back to work and I have come down with a stinking head cold DS has been at DMIL today and overnight to allow me some rest.

    Tomorrow I have to post the wallpaper back to get my refund, drop some dry cleaning off and help DS build his lego and write thank you cards.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • XSpender
    • By XSpender 28th Dec 17, 11:30 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    Feeling a little better this morning.

    The decorator has been to touch up a couple of places. DS and I have played board games and he is now building his Lego.

    DMIL has taken the dry cleaning for me as the shop near her does 5 items for £20 and we have 10 items that need cleaning

    The thank you cards and wallpaper can wait until tomorrow.

    DS and will pop to the local co-op later for some tissues, paras, bin bags, glass cleaner, dog food, beer and fruit. That is probably all I need until next weekend
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • XSpender
    • By XSpender 31st Dec 17, 10:01 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    End of December Update
    END OF DEC BALANCES

    The first target debt has been cleared

    I checked my LTSB CC statement today and they have allocated my repayment wrong, sending half to the interest free and half to the interest bearing. I have called and queried this today but the relevant department is not open until Tuesday so will chase at the end of the week.

    Lloyds Loan #1!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;.£10,444.95!!!8230;.£275.11!!!8230;..3.9% APR!!!8230;!!!8230;.41 payments left
    Lloyds Loan #2!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;.£14,500.00!!!8230;.£265.98!!!8230;..3.9% APR!!!8230;!!!8230;.60 payments left
    Lloyds CC!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;.£3146.30!!!8230;.!!!8230;.£31.46!!!8230;!!!8230;.0.0% APR!!!8230;!!!8230;.until March 2019
    Virgin (Me) Part 1!!!8230;!!!8230;!!!8230;!!!8230;..£1176.49!!!8230;!!!8230;..£22.15!!!8230;!!!8230;!!!8230;0.0% APR!!!8230;!!!8230;.until March 2018
    Virgin (Me) Part 2!!!8230;!!!8230;!!!8230;!!!8230;..£1038.00!!!8230;!!!8230;..£0.00!!!8230;.!!!8230;!!!8230;.0.0% APR!!!8230;!!!8230;.until Sept 2018
    Virgin (DH) Part 1!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;£0!!!8230;!!!8230;!!!8230;.£108.76!!!8230;..0.0% APR!!!8230;!!!8230;.until March 2018
    Virgin (DH) Part 2!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;£5959.20!!!8230;!!!8230;..£0.00!!!8230;!!!8230;!!!8230;0.0% APR!!!8230;!!!8230;.until July 2018
    Virgin (DH) Part 3!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;£4372.97!!!8230;!!!8230;..£0.00!!!8230;!!!8230;!!!8230;0.0% APR!!!8230;!!!8230;.until Sept 2018
    MBNA!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;.£8370.45!!!8230;!!!8230;..£83.71!!!8230;!!!8230;.0.0% APR!!!8230;.!!!8230;until Sept 2019
    Person 1!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;£1275.79!!!8230;!!!8230;..£0.00!!!8230;!!!8230;!!!8230;.0.0% APR!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;
    Person 2!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;£1362.18..!!!8230;..£0.00!!!8230;!!!8230;!!!8230;.0.0% APR!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;*
    Hitachi!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;...£1439.31!!!8230;!!!8230;..£47.97!!!8230;!!!8230;...0.0% APR!!!8230;!!!8230;.BNPL payments start May 2018

    TOTAL £53,315.15 TOTAL NOW £53,085.64

    There is a further £200 of returns and expenses to come off the LTSB card.

    All my payments come out 1st and I am planning to pay off a good chunk off the next target card which is Virgin (Me) Part 1. The aim is to have this cleared by March.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 31st Dec 17, 4:29 PM
    • 4,411 Posts
    • 30,579 Thanks
    HairyHandofDartmoor
    Well done on clearing the first target debt. Happy new year
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • XSpender
    • By XSpender 7th Jan 18, 11:56 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    Happy New Year HHoD!

    I have been reading but not posting as we have had a busy first week back at work.

    My CC on line accounts showed that I would not be required to make a January payment by DD after making overpayments late December. However they have all taken the monthly payment as well as the OP so things are a bit tight but the new balances look great I have had to not pay the budgeted amounts to the savings pots this month to cover it and not add to the EF. I am still a bit short but will manage somehow.

    In total we have made payments of £1157.61 with another £84 to be paid later in the month.

    I have £136 of expenses due at the end of Jan to come directly off the Lloyds CC and £80 for the wallpaper refund to come off this card too.

    My new target debt is Virgin (Me) Part 1 which has a balance of £689.81 left after a big OP from December's bonus. I am hoping to have this cleared by the end of March. I have a small TCB pay out and some account interest to OP..

    We have had to buy a new router for our broadband as it was so poor we couldn't run 2 devices at once. DH phone also broke and he has got a new one for £30 and an extra £5 on his contract. My phone is due for renewal in September and I can go SIM only saving £10/month as I don't need another phone

    I have also found out you can pay for NT membership monthly now and ours is due for renewal in May so that will save us having to save up for it first.

    We both were paid on the 22nd and have not used the CCs at all. Now everything is on 0% it puts me off using them even more.

    Just Water challenge is on day 4 and I am missing tea but nothing else. DH is finding it a bit more of a challenge.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • Suffolk lass
    • By Suffolk lass 7th Jan 18, 8:38 PM
    • 2,013 Posts
    • 20,889 Thanks
    Suffolk lass
    Have you looked into being a member of one of the other National Trust International Members that give you reciprocal membership for a lower cost? I have been looking at this page https://www.nationaltrust.org.uk/features/overseas-organisations and there is a list of other organisations at the bottom.
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after May 45.81% £4,581.38/£10,000
    OS Grocery Challenge 2018 spent £1,021.80/£3,000 including stores so far 34.06% of my annual budget at the end of May
    My DFD is here
    • mumof3.12kindebt
    • By mumof3.12kindebt 9th Jan 18, 1:32 PM
    • 358 Posts
    • 972 Thanks
    mumof3.12kindebt
    love reading your diary. Well done on the debt payments.

    Happy New Year to you all x
    • XSpender
    • By XSpender 9th Jan 18, 5:08 PM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    Have you looked into being a member of one of the other National Trust International Members that give you reciprocal membership for a lower cost? I have been looking at this page https://www.nationaltrust.org.uk/features/overseas-organisations and there is a list of other organisations at the bottom.
    Originally posted by Suffolk lass
    Thanks for the link, I will check it out. We should really consider whether we continue with membership as we don't use it often but at £40 to visit our favourite site we only need to go 3 times per year to make a saving.

    love reading your diary. Well done on the debt payments.

    Happy New Year to you all x
    Originally posted by mumof3.12kindebt
    Thanks mumof3 and Happy New Year to you too!


    I have spoken to the bank and they have rectified the allocation of my big payment to the Lloyds card so it is now all on 0%

    Had a good meeting at work and have had some great feedback today which has eased the pain of the project restructure we will go through in a couple of months. No risk to my job (in fact it is more secure than before) just a change to my current project (the joys of consultancy work) but I am looking at it as a positive and it has made me think about career progression when I have been stagnating (coasting) for a while and the confidence to ask for a pay rise which I have Bob Hope and Nee Hope of getting (another joy of consultancy work) but shy bairns get nowt

    The water drinking is going OK but I do feel I am eating more, I think this is because a cup of warm water isn't as satisfying or comforting as a cup of tea. DH who likes a drink and his coffee feels like a new man! He is actually eating less

    Not much debt busting happening as I am £65 over budgeted on YNAB. I am going to ask DH if we can add back in £30 each of our personal spends to cover it. I have £12.18 of account interest and TCB that I want to pay to the CC as well but since the account is short this might not happen. I am loathe to raid all the pots to cover the over budget or dip into the EF so it will have to come from somewhere.

    I seem to have not put my debit card back in my purse and since DH lost his before Christmas and still hasn't rung up for a replacement we may be forced into a frugal fast!
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • XSpender
    • By XSpender 10th Jan 18, 8:38 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    Today I am going back on SW, I feel flabby and only just fit in my clothes

    DS has been invited to a sleep over at a friends house on Saturday night (his first one ever ) so DH and I are going to go to see Star Wars. We will use our personal spends for this as there isn't enough left in the very small January entertainment pot.

    DH woke me up at about 5am and I am feeling tired this morning Luckily I am working from home.

    I will be back later to post my 2018 and January goals - better late than never!
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • XSpender
    • By XSpender 11th Jan 18, 10:03 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    It was DS turn to wake me up at 4.30am this morning!

    I still haven't managed to list my goals but may get around to it today.

    I have scraped a bit out of some of the pots that had extra bits left over from December, have a small DD that wont go out until after DH is paid again so haven't budgeted for it until and have eliminated the 'over budget' amount I couldn't resist OPing the TCB and interest to the target card either. At least the overspending that has left us short was the unbudgeted for DDs to the CCs when I had already made overpayments and not mindless spending on nowt.

    We have 2 free cinema tickets for Vue left and a cineword gift card for £20 so our trip to see Star Wars on Saturday will be free I will take bottled water (since we cant drink anything else) and some on plan snacks. Went back on SW yesterday and ate well except for blowing my sys out of the water on GF lemon meringue pie Starting afresh today with a more substantial lunch to avoid the 3pm slump.

    I am about £10 ahead of where I should be on this months super small food budget so I need to do a very careful meal plan and shopping list for Aldi. I'm aiming for £60 for the week which is doable as we wont be buying beer and I have bottled water left from last week and used this week's work meal allowance for some basics.
    Last edited by XSpender; 11-01-2018 at 10:19 AM.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • XSpender
    • By XSpender 15th Jan 18, 10:41 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    Couldn't resist doing a quick balance update as the last DD has come out for this month:

    Lloyds Loan #1……………….£10,203.82….£275.11…..3.9% APR…….40 payments left
    Lloyds Loan #2……………….£14,261.45….£265.98…..3.9% APR…….59 payments left
    Lloyds CC……………………….£3072.30….….£31.46…….0.0% APR…….until March 2019
    Virgin (Me) Part 1…………..£677.42……..£22.15………0.0% APR…….until March 2018
    Virgin (Me) Part 2…………..£1038.00……..£0.00….…….0.0% APR…….until Sept 2018
    Virgin (DH) Part 1……………£0……….£108.76…..0.0% APR…….until March 2018
    Virgin (DH) Part 2……………£5959.20……..£0.00………0.0% APR…….until July 2018
    Virgin (DH) Part 3……………£4372.97……..£0.00………0.0% APR…….until Sept 2018
    MBNA…………………………….£8286.75……..£83.71…….0.0% APR….…until Sept 2019
    Person 1…………………………£1275.79……..£0.00……….0.0% APR……………………………
    Person 2…………………………£1362.18..…..£0.00……….0.0% APR……………………………*
    Hitachi…………………………...£1439.31……..£47.97……...0.0% APR…….BNPL payments start May 2018

    TOTAL £53,315.15 @ 16.12 TOTAL NOW £51,950.28

    £1364.72 paid off since I added up the big black hole This doesn't include the wallpaper refund or the work expenses that are still to come off.

    We are going to use the Arg0s card to purchase a bed for the guest room as my Dad is coming to visit in Feb (lives abroad, haven't seen him for several years). I have found a bed frame and mattress for £350 which I can get on 12 months 0% BNPL delivered next week. We will also need bedding and some kind of bedside tables and lamps, from ikea probably. The windows are non standard size so the cheap, thin curtains I have had up there since we moved in will have to do. This is the room with the en-suite which my dad will need.

    The room could really do with a lick of paint and I have a couple of litres of our bedroom paint left over that might just be enough. We haven't done anything with this room since we moved in, except buy a bed, which is now in DS room.

    I have been invited to join another marketing panel which looks like a decent earner but cant log on so need to call them this week to get registered.

    I did my first exercise in weeks on Saturday and am still feeling the effects today. I am going to the gym with DH on Wednesday so I hope I can move properly by then.

    Food spending has been low this month, lower than I can remember it being in a long time. We had a full freezer at the end of December as I had stocked up using a Mr T voucher and we haven't been buying booze, very much milk or crisps this month and it has made a huge difference to the bill even buying lots more fruit and some bottled water.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • XSpender
    • By XSpender 15th Jan 18, 4:35 PM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    Today is a freebie kinda day

    DMIL microwave broke and she has given us the glass plate out of it as ours is chipped and it fits! She has also done a big pile of ironing for us as she was bored

    The doggle got a belated Christmas present of a big pack of dental chews also from DMIL which will last him a good couple of weeks. I'm not sure if these are the ones the make him puke though

    DH complained to the cinema on Saturday that they had not turned all the lights off during our visit and they have, after arguing on the book of face that he was wrong, agreed that they did leave them on and have offered us 2 free posh seats for a film of our choice We now have 6 free cinema tickets albeit at 3 different cinemas!

    My good deed for the day has been lending a dress to a friend for an event she has to attend in just the right (and very specific) colour.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • XSpender
    • By XSpender 16th Jan 18, 9:35 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    I must have glutened myself somehow as I have had a bad stomach the last couple of days. I don't know how as I have cooked from scratch and not eaten out anywhere at the weekend

    Nothing to update on YNAB and everything balances

    I am working on Feb budget as I want to get the bits for the guest room from cashflow and the amount in the 'home' savings pot (currently £50). We will go for a meal with DD and DSM when they visit and a meal for DH birthday the following week which I need to budget for as we only put £25/mnth in the family fun pot. We haven't spent this months yet so that's a start at least. DH had his birthday present joint with his Christmas present so will only be getting cards. There is money in the birthdays pot to pay for the cards and to contribute to DH birthday meal.

    These extra expenses mean that I will not overpay the debt in Feb unless DH gets some bonus (none expected) and will use my expenses reimbursement to fund the guest room bits. I have already paid off the actual money sent on expenses last month.

    The wallpaper credit still hasn't appeared so I will chase this on Friday.

    Jobs for today:

    1) Put away clean laundry and ironing
    2) Buy dog food
    3) Submit meter readings
    4) Make 4 appointments for work
    5) Prepare appraisal paperwork (always a thrilling task, not)
    6) Start project research
    7) Dishwasher
    8) Strip beds
    9) Spend 30 minutes sorting all the carp dumped in the guest room
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • XSpender
    • By XSpender 16th Jan 18, 9:58 AM
    • 2,970 Posts
    • 30,662 Thanks
    XSpender
    I have just checked the Virgin statement and the balance I am focussing on is 0% until May 2018 not March as I had previously thought. I still want to aim to clear this by the end of March but it will depend if DH gets a bonus in Feb. It will be cleared by the end of May either way.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£970
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
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