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  • FIRST POST
    • XSpender
    • By XSpender 4th May 17, 11:12 AM
    • 2,925Posts
    • 30,045Thanks
    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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
Page 22
    • WannabeFree
    • By WannabeFree 9th Feb 18, 9:09 PM
    • 1,385 Posts
    • 11,612 Thanks
    WannabeFree
    You are doing well with your plans and sticking at them

    Hope you have a lovely weekend x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • apple muncher
    • By apple muncher 9th Feb 18, 9:11 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    I've had a read through of your other thread and just wanted to say that milk is 99p in Icyland - 10p less than elsewhere if you have one handy. And I bought spices in packets too the other day - 80p from the world foodie bit insainz. Though I can't say if they're comparable quantities.

    I know it's only a few pennies, but it may help s t r e t c h your £70 .

    I'm going to have a go at a gf/dfversion of the impossible cake this weekend!
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 9th Feb 18, 9:12 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    And well done to ds. Proud mummy time indeed!
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 9th Feb 18, 9:42 PM
    • 2,925 Posts
    • 30,045 Thanks
    XSpender
    You are doing well with your plans and sticking at them

    Hope you have a lovely weekend x
    Originally posted by WannabeFree
    Thanks wannabe, hope you have a lovely weekend with the smalls too x

    I've had a read through of your other thread and just wanted to say that milk is 99p in Icyland - 10p less than elsewhere if you have one handy. And I bought spices in packets too the other day - 80p from the world foodie bit insainz. Though I can't say if they're comparable quantities.

    I know it's only a few pennies, but it may help s t r e t c h your £70 .

    I'm going to have a go at a gf/dfversion of the impossible cake this weekend!
    Originally posted by apple muncher
    I bought chilli powder in the packets from the world food aisle recently and it was so hot we couldn't eat it!

    There is an I-land near DPIL so I could get some when I pick up DS, thanks for the tip.

    A GF version of that cake is definitely going on my list!
    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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
    • Cherryfudge
    • By Cherryfudge 9th Feb 18, 10:58 PM
    • 1,609 Posts
    • 8,502 Thanks
    Cherryfudge
    Well done to your DS!
    • XSpender
    • By XSpender 10th Feb 18, 8:24 PM
    • 2,925 Posts
    • 30,045 Thanks
    XSpender
    We have really enjoyed our quiet day today. Even though it has felt like we have done nothing I have cooked and baked and DH has done 2 small DIY jobs. He has spray painted the extractor fan cover and it has come up brilliantly. He has applied the window film to the utility window side ways as this is the way the roll could fit but it's bamboo so it looks like its growing sideways. Good job its just the utility room!

    Took my old boy out for a short walk this afternoon. We took him out for an hour last weekend with my Dad’s 3-year-old dog and then to DS match the following day and he was wrecked for 2 days. He is 13.5 now and it’s catching up with him. He certainly sleeps more than he used to.

    Watched some of the winter Olympics and the Rugby. DS and DH found they could play against each other on the play station so that kept them busy for a little while and then DS and I cooked up a storm in the kitchen using up a fair bit from the cupboards, fridge and freezer. There are meals to go back in for DH lunches and some scones and flapjack for snacks. I still have a couple of bits to make tomorrow.

    DH and DS had their KFC as promised and I faked a GF version for myself from the contents of the freezer.

    It looks like DH training is cancelled tomorrow due to a waterlogged pitch so we may drive up to our favourite NT place for a walk as it is on our list of things to do this month. There is a little left in the family fun budget for a cuppa in the caf!

    Three Frugal Things

    1) Only bought the milk and apples we needed in Aldi
    2) DH loved the 85p/bottle cider from Aldi so will be buying this again
    3) Made vegan chilli, scones and flapjacks from store cupboard ingredients. The chilli and scones are super cheap recipes, the flapjack not so much due to price of GF oats but they are super tasty and wont last long
    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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
    • WannabeFree
    • By WannabeFree 10th Feb 18, 8:38 PM
    • 1,385 Posts
    • 11,612 Thanks
    WannabeFree
    I think anything gluten free (Or any other 'free from' variety) is more expensive. We don't really eat shop bought bread and things now simply because of the cost Most other things I can work around but it is annoying.

    Hope you manage to get out for your walk tomorrow
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • apple muncher
    • By apple muncher 10th Feb 18, 9:25 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    My impossible pie nearly failed...! Probably because I baked it in a 2 pint(?) silicone loaf tin. It had 90 mins by which time I figured that if it wasn't cooked, then it would never be cooked. After cooling time, I was amazed at how tasty it was - so was dh! It didn't quite look like the pic on the web page . Next time, I'll make it with just half the quantities, less sugar and maybe throw in some raisins and cinnamon.

    I also whipped up a 1-egg fairy cake mix for dd which she has decorated with lurid green icing + 1 small pink marshmallow.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 10th Feb 18, 9:33 PM
    • 2,925 Posts
    • 30,045 Thanks
    XSpender
    I think anything gluten free (Or any other 'free from' variety) is more expensive. We don't really eat shop bought bread and things now simply because of the cost Most other things I can work around but it is annoying.

    Hope you manage to get out for your walk tomorrow
    Originally posted by WannabeFree
    Thanks wannabee.

    Do you bake your own GF bread or do without? I know you and the kiddos like baking; is all your baking GF?

    My impossible pie nearly failed...! Probably because I baked it in a 2 pint(?) silicone loaf tin. It had 90 mins by which time I figured that if it wasn't cooked, then it would never be cooked. After cooling time, I was amazed at how tasty it was - so was dh! It didn't quite look like the pic on the web page . Next time, I'll make it with just half the quantities, less sugar and maybe throw in some raisins and cinnamon.

    I also whipped up a 1-egg fairy cake mix for dd which she has decorated with lurid green icing + 1 small pink marshmallow.
    Originally posted by apple muncher
    That's a long time to cook it. I will follow your lead and make half quantities as it may not get eaten if it's too big. There has been lots of lovely ideas for puddings and cakes on the other thread. I wish DH had a sweet tooth as I end up making them and eating them all myself
    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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
    • Cherryfudge
    • By Cherryfudge 10th Feb 18, 9:42 PM
    • 1,609 Posts
    • 8,502 Thanks
    Cherryfudge
    The picture I have of Impossible Pie shows something more quiche-shaped. I have this old version (which I haven't tried) from about 1980-something:

    4 eggs (it says size 3 which I think is medium)
    2oz (50g) margarine
    6oz (175g) caster sugar
    3oz (75g) plain flour
    1/4 tsp (1,25ml) salt
    1/2 tsp (2.5ml) baking powder3/4 pt (400ml) milk
    4oz (100g) desiccated coconut
    1tsp (5ml) vanilla flavouring

    1. Grease and 8 in (20.5cm) pie dish. Set oven 350F, 180C (Mark 4).
    2. Place all ingredients in a blender and mix until smooth. An electric whisk can also be used.
    3. Pour into the pie dish and bake for about an hour. When done, a knife inserted into the centre should come out clean.
    4. As pie cooks, it forms a crust on the bottom, a custard filling and a coconut topping!

    So there you go: it was the loaf tin's fault!

    ETA: the original says it serves 8, takes ten minutes to prepare, an hour to cook and costs 70p!!... and "When things seem impossible, this is the pudding to bake!"
    Last edited by Cherryfudge; 10-02-2018 at 9:46 PM.
    • WannabeFree
    • By WannabeFree 10th Feb 18, 10:13 PM
    • 1,385 Posts
    • 11,612 Thanks
    WannabeFree
    99% of our things are GF, along with dairy/soya free for everything. The only time 'normal' flour etc is used is if it's for other people/school etc because its cheaper

    Only youngest has allergies, but its so much easier for everything to be 'safe'

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Treadingonplaymobil
    • By Treadingonplaymobil 11th Feb 18, 8:13 AM
    • 1,456 Posts
    • 14,224 Thanks
    Treadingonplaymobil
    So difficult to keep to a budget while doing GF/dairy free etc. Occasionally I make gf bakes for a friend of mine who is gf and it is soooo expensive.
    £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/DFD: £58,608.13/Dec 2026
    debt on 6th Apr 2018: £34,168.99/Feb 2026

    Mortgage = c.£192,200
    • XSpender
    • By XSpender 11th Feb 18, 8:48 AM
    • 2,925 Posts
    • 30,045 Thanks
    XSpender
    So difficult to keep to a budget while doing GF/dairy free etc. Occasionally I make gf bakes for a friend of mine who is gf and it is soooo expensive.
    Originally posted by Treadingonplaymobil
    It is cheaper to make your own than buy ready made but GF flour is still £1/bag more than basis flour and GF oats are £2 for 450g compared with 75p for 1kg smart price so it quickly adds up. Luckily I don't need to eat DF as well but we still have to have 2 tubs of butter/spread on the go at the same time to avoid cross contamination.

    Even with sausages it is the finest or premium ranges that are GF which is why I stock up on the M&S ones on 3 for 2 when I have a £5 off voucher and end up with a sausage mountain
    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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
    • WannabeFree
    • By WannabeFree 11th Feb 18, 12:51 PM
    • 1,385 Posts
    • 11,612 Thanks
    WannabeFree
    We are quite lucky our butcher does GF sausages at a similar price. We don't really eat much sausage though

    I use the gluten free girl way of making 'all purpose flour' and stock up when it's on offer/using amazon vouchers etc. More recently Aldi sells coconut flour at a reasonable price too.

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • apple muncher
    • By apple muncher 11th Feb 18, 5:44 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    Aldi sausages are also gf -not all of 'em, obviously! I am rather partial to the sweet chili ones...

    Dh ate one of dd's gf df shortbreads (sainz own) and declared it to be 'disgusting'! Serves him right for scoffing her food...
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 12th Feb 18, 8:41 PM
    • 2,925 Posts
    • 30,045 Thanks
    XSpender
    Six Frugal Things for Yesterday and Today

    1) NSD Sunday
    2) NSD Monday
    3) We've put the plastering on hold in the 4th bedroom and will do it some time later in the year
    4) SOLD a piece of furniture and found 3 other items to sell
    5) Remembered to turn the heating off when working from home
    6) All meals made from freezer/cupboards

    Not much to report, we decided not to go to the NT place on Sunday due to the dodgy weather and pottered about at home.

    The biggest 'win' for us has been our decision not to do any more major work on the house. We are leaving the 4th bedroom and if any job takes more than a tin of paint or is a repair or maintenance it isn't getting done for a long while.
    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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
    • XSpender
    • By XSpender 12th Feb 18, 8:56 PM
    • 2,925 Posts
    • 30,045 Thanks
    XSpender
    Let's see how I am getting on with this month's goals

    Finance

    1) Reduce debt total by £1000 after interest added (Current Balance £53,997.55, aiming for £52ks) - currently at £700, not going to hit this
    2) Come in under food budget - £407 for 5 weeks - currently on £259.57, helped by the new challenge

    3) No credit card spending even if we see the bargain of the century - none done and not planning any
    4) Sell dining suite, TV, sewing machine, 2 broken phones and unwanted DVDS, books and CDs - I hate selling stuff but needs must sold dining suite, found 3 other things to sell
    5) List contents of freezers and cupboards, meal plan and drink the wine/gin we have in the house before buying anymore booze to assist with no. 2 and no.6 - done and new challenge started
    6) Recipe research, create meal plans etc. for a super low food spend challenge I am planning for March - done but started challenge 6th Feb
    7) Do at least 3 money saving/money making things every day this month with a hope of establishing frugal habits done, even if some are only frugalish
    8) Find £150 for deposit for summer camping trip - not gonna happen this month

    House

    1) Complete 12 small jobs in the house that we have materials for and don’t involve spending any further money
    a. Oil kitchen worktops
    b. Touch up kitchen walls and gloss on big door
    c. Paint skirting area in alcove in our room to disguise lack of skirting
    d. Put up smoke alarms (already bought may need 1 battery)
    e. Stain mat well trim and glue down - needs a 2nd coat
    f. Touch up small areas in hall and landing
    g. Clean the inside of all windows without replacing broker Karcher - done but bought the cheapest Karcher we could get
    h. Strip wallpaper in guest room - on hold
    i. Remove ugly shelves from guest room and box up or sell DVDs/books and CDs that ere on them - on hold
    j. Clean interior of oven, fridge, dishwasher and washing machine
    k. Sort out clothes (mainly DH) and box for storage in loft
    l. Fit DS wardrobe door knobs if DH already has some longer screws
    2) Use proceeds of sales to purchase a mirror for our bedroom (£55) £50 saved so far

    Me and Family

    1) Do my first park run with DH and DS - FREE
    2) Go swimming with DH and DS - £10 and budgeted for
    3) Go to 2 gym classes with friend – FREE, already paid for with annual membership friend won a holiday so will have to wait
    4) Go for a run on my own - FREE
    5) Spend some time on career development – FREE, colleague is supporting with some resources
    6) Read 3 books for pleasure and 1 linked to career development – FREE, have more than this on my kindle, the handmaid’s tale in paperback and an NLP book to read I’ve had for sometime - 2 books read so far
    7) Visit favourite NT place for a walk – FREE if we keep out of the cafe
    8) Re-start my bullet journal when I find the diary I bought Done
    9) 2 meals out with 2 different sets of friends – from my personal spends. 1 meal is next month put going to cinema this month as well as other meal

    10) Don’t stress about losing any weight this month (I need to shift a stone). If keeping the £s in the bank means keeping the lbs on my bod this month so be it[/QUOTE] Still not stressing about it
    Last edited by XSpender; 14-02-2018 at 9:25 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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
    • XSpender
    • By XSpender 13th Feb 18, 6:26 PM
    • 2,925 Posts
    • 30,045 Thanks
    XSpender
    Pooped tonight after an early start and a long day.

    Our new furniture came yesterday and it is lovely. We have £50 towards a bedroom mirror but can't agree on one we both like. We do need one as trying to find a mirror near a plug to dry my hair this morning was a bit of a pain.

    DS is being taken out for the day on Saturday by the DPIL so DH and I have a full day to ourselves. Not sure what we will do with ourselves. We will be dog sitting and their dog cant be left for too long

    3 Frugal Things Today

    1) Didn't spend any money
    2) Stuck to eating from the freezer even though I was missing ingredients for the planned meal and the second choice
    3) Checked the heating was off before we both left for the day at 7.15am
    4) Both took lunches to work
    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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
    • MeandO
    • By MeandO 14th Feb 18, 9:57 AM
    • 1,359 Posts
    • 6,640 Thanks
    MeandO
    Hello X-Spender,

    Just popping in to thank you for inspiring me to make improvements in my house with what I have already. I bought an old house just over a year ago and I have been so impatient to get it looking nice that I have probably spent more than I can afford to on several occasions.

    Thanks to your diary, I forced myself to paint my bedroom at the weekend with paint I've had for a couple of years - obviously an improvement at no cost. I'm onto the bathroom next and then possibly my 'office' room.

    I'm aware I have lots of fabric stashed away in drawers, so I'm going to get my sewing machine back out and see what I can make for the house with that.

    Love reading your diary and ideas

    X
    Mortgage Feb 2015: £102,000 Mortgage now: £76,917
    2018 OP's (aiming for £100pm): JAN:£129.26/£100 FEB:£287/£100 MAR:£150/£100 APR:£150.45/£100
    • XSpender
    • By XSpender 16th Feb 18, 9:47 AM
    • 2,925 Posts
    • 30,045 Thanks
    XSpender
    Woo Hoo!
    I'm still away with work but dashing in to share some great news.

    DH had a tax rebate yesterday of over £1600

    I told him his tax code was wrong last year but he never did anything about it.

    I will be back later with some plans of how we are going to us it.
    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/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18,
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