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  • FIRST POST
    • Silver Queen
    • By Silver Queen 24th May 17, 3:16 PM
    • 411Posts
    • 1,949Thanks
    Silver Queen
    15,000 to 0
    • #1
    • 24th May 17, 3:16 PM
    15,000 to 0 24th May 17 at 3:16 PM
    Hi

    I have decided to re-join this forum so that I can stay motivated to bust my debt.

    A bit about me...I work full-time in London which gets me about 1.4k per month.

    I owe 15,000 exactly on 0% interest. This is 13,500 to bank of ma and pa (started at 15,500 in October), which paid for my postgrad, and 2k of student overdraft.

    I pay 250 per month to my parents but I would like to start making overpayments.

    Frankly, until now, I have not really even thought about my student overdraft because it's on 0%. However, in June or July (not sure which - oops), it will reduce by 1k so I will need to pay it back ASAP.

    I live at home at the moment, although I will be moving out in September.

    My monthly expenses are food and 350-ish on a train ticket since I commute into London daily. I also pay 200 per month into a help to buy.

    Goals
    1. Pay back 1k into my overdraft by end of July, whilst continuing to make 250 repayments monthly.
    2. Save a 1k moving fund. I am trying to declutter and become more minimalist so that I don't have so much stuff to move, but there will be general moving expenses.
    3. This one is a bit ambitious - I would like to try to pay back all the monies owed to my parents by next year. The current agreement is that I would keep paying them 250 pa until 2021 but I really really don't want to do that, because...
    4. This one is long-term. Save 20k by 2021 so that I can be on my way to putting down a deposit for a house.


    I have started this diary because although I have been on the debt free journey for about three/four months, I have been noticing myself slipping lately, so hopefully this will hold me accountable!
    Last edited by Silver Queen; 27-02-2018 at 10:00 AM. Reason: incorrect loan balances!
Page 11
    • lonelyrat
    • By lonelyrat 7th May 18, 9:30 AM
    • 362 Posts
    • 887 Thanks
    lonelyrat
    Get that bullet journal out Hope you had fun with your friend if you still saw her?

    Very crummy news about the bed bugs... It's making my skin crawl just thinking about it! Yay to Hampton Court Palace though. I remember going there when I was a kid and getting very concerned that I was lost in the maze. I love a picnic so much... I just love anything sun - related really I think! We attempted a barbecue yesterday and OH burnt one side of all the food (then dropped my sweetcorn in the dirt) A picnic may have been more sensible!

    I think step counters on phones aren't that accurate. I'm about to go on a walk and I'll take my phone and do a wee experiment. We'll see how the phone vs. the fitbit differ 8,000 steps regardless is good anyway. I'm quite happy if I get over 5,000 most days...

    Try not to beat yourself up about the stress eating, it happens and you've had a pretty stressful experience re: bed bugs! I'm using myfitnesspal at the moment and it's quite helpful with watching calories. I'm up at my heaviest at the moment as well, but I try and keep telling myself that anything is changeable.
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • Silver Queen
    • By Silver Queen 7th May 18, 10:48 AM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    Will definitely be making a complaint about the mattress topper and I'm going to try to get them to cover the cost of the treatment too.

    I didn't end up seeing my friend yesterday as we had to stay in and wait for the pest guy, who was of course four hours late...! So I'll see the friend during the week instead.

    Lonelyrat, I used myfitnesspal for a while and it did help, I just need to get back on the exercise and weight loss wagon again. Bit depressing to think that this time last year I was over 10kg lighter. None of my clothes fit properly anymore

    Going to take a walk down the Thames today away from the city. Never been that way so it should be nice to explore!
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • Silver Queen
    • By Silver Queen 7th May 18, 6:32 PM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    Managed 20,600 steps! We walked out 9 miles over the course of the afternoon and then took the train back which depressingly only took 12 minutes

    Annoyingly forgot my Oyster card so had to pay for the train using my contactless. Also spent about 4-5 on drinks and some snacks as we had none in the house. Total spend still under a tenner though.

    Went over my original calorie limit today (1200) at 1397 which I'm not too bothered about because a) it doesn't take into account the exercise I did and b) it's the first official day of calorie counting and I always try to taper off for the first week or two. Can you tell I've been here before?!

    Weather is glorious, dinner is cooking, just a shame that the long weekend is over.

    Need to remember to reclaim some money from my sis for the bed bug treatment!
    Might have a cheeky little glass of wine as I feel like I deserve it.... I'll think about it
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • Treadingonplaymobil
    • By Treadingonplaymobil 7th May 18, 9:22 PM
    • 1,616 Posts
    • 16,538 Thanks
    Treadingonplaymobil
    Smiling at the 20k steps vs 12 minutes train! We did what felt like a decent walk today (well, for the just-four-year old anyway) and I am slightly peeved to see I have only done 5,000 steps. It feels like a lot more when you walk at preschooler speed.

    Hope you have some joy with the mattress complaint.
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 7th July 2018: 13,005 unsecured debt/19,970 parental loan/191,654 mortgage = 224,629
    • EssexHebridean
    • By EssexHebridean 8th May 18, 12:28 PM
    • 8,719 Posts
    • 46,008 Thanks
    EssexHebridean
    Annoying how little time a train can take over the time it's taken to walk somewhere isn't it!

    Good luck on the calorie counting - I use the FitBit app to keep track of mine on Mondays - Thursdays and the weekends can do what they like, I try to deficit by about 400 - 500 calories on the weekdays and that seems to work OK to let me maintain my weight about right.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/1035.63 (09/07/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Silver Queen
    • By Silver Queen 8th May 18, 3:42 PM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    Smiling at the 20k steps vs 12 minutes train! We did what felt like a decent walk today (well, for the just-four-year old anyway) and I am slightly peeved to see I have only done 5,000 steps. It feels like a lot more when you walk at preschooler speed.

    Hope you have some joy with the mattress complaint.
    Originally posted by Treadingonplaymobil
    I had that on Sunday. Really frustrating when you feel like you've done loads of walking but it's actually practically nothing. I bet it's even harder with you when you have a little one in tow!



    Annoying how little time a train can take over the time it's taken to walk somewhere isn't it!

    Good luck on the calorie counting - I use the FitBit app to keep track of mine on Mondays - Thursdays and the weekends can do what they like, I try to deficit by about 400 - 500 calories on the weekdays and that seems to work OK to let me maintain my weight about right.
    Originally posted by EssexHebridean
    Thanks. Keeping an eye on things will hopefully both help my waistline and my bank balance! That's a really good idea, I find I always let myself go a little on weekends too!



    Feeling a bit tired today. I have ENT issues stemming from a surgery I had a few years ago so whenever I get colds it really messes up my hearing etc. At the moment feeling like I'm in a swimming pool under water all the time even though I don't think I'm actually ill.

    Lonelyrat will be happy to hear that I finally dug out my bullet journal and will be making use of it

    I feel as though I'm stumbling back and forth when it comes to balancing work/social life/financial matters. I think because for a while work was so intense, I felt like I had no social life so whenever I socialised I splashed out. Then I went the other way and got so scared of spending that I never socialised. It's a case of finding a happy balance.

    I've been looking around on Rightmove and have found an absolutely perfect property that I would love to buy. It's a reasonable price, reasonable size and good location. The problems are, however, that a) I don't earn enough b) I don't have a deposit! I feel as though this is the perpetual problem of the millennial. Wanting to buy but also wanting to have nice things, spend money and have fun.

    Anyway, I just have to remember that my overarching goal is to buy before I'm 30 and I think I will be on track to do that.
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • lonelyrat
    • By lonelyrat 9th May 18, 8:56 PM
    • 362 Posts
    • 887 Thanks
    lonelyrat
    Good news on the steps and very good news on the bullet journal haha!

    Glad you're back on myfitnesspal too - we can both use it and try and get our steps in and check in with one another for motivation. My aim is under 1260 a day and I seem to be managing OK however I did go big when I was out with my friend yesterday so have decided just to write the whole day off Have done well to make up for it and am just hoping the scales on Saturday are kind to me.

    I do think you're right that watching what you eat goes hand in hand with saving money so hopefully it will be reflected in our bank balances (ASAP ideally )

    I do think you have time to sort a deposit before 30. It does seem like a massive mountain to me sometimes... I think it's a case of making savings where you can and they add up. I'm still finding it hard to manage paying off the debt, having enough to treat myself now and again AND putting some into savings. It's all about balance but balance seems so hard to get right!

    I do go on rightmove quite a lot just to have a look at potential homes to try and keep me motivated (sometimes it can have the opposite effect though). We'll get there in the end...
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • lonelyrat
    • By lonelyrat 9th May 18, 9:03 PM
    • 362 Posts
    • 887 Thanks
    lonelyrat
    Just on the property note... I read recently that apparently us millennials don't actually need living rooms and we're better off with a a small, clean, private hotel-room sized central patch". How ridiculous is that? Apparently the reason a fair chunk of us can't get on the property ladder is down to properties being too big? That and that we eat too much avocado (but that's a different news article entirely )
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • Silver Queen
    • By Silver Queen 10th May 18, 8:32 AM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    Feeling a bit bleugh today, fell asleep at 9.30! Absolutely exhausted still so I think I must be getting ill.

    Lonelyrat, *technically* I'm trying to stick to 1200 cal but realistically right now my daily count is around 1500 which I'm not too annoyed about. I'll reduce it slowly if necessary but I won't be too annoyed if it takes a little longer to lose weight, as 1500 seems sustainable to me right now.

    My average daily step count for the last two days has been 5,000 this is why I need to do more walking on the weekends, because I do hardly any on weekdays. My aim is 70,000 per week rather than 10,000 per day because of this so realistically I have to do around 21,500 per day on the weekends!

    I hate the view that the older generation often have about us millennials.... but I also find most millennials absolutely insufferable there is definitely a major housing problem in this country but at the same time I do think that many millennials use it as an excuse not to work hard, which I think is silly. Or alternatively, they buy a house with a hand out of 50k from Mum and Dad and then write articles bragging about how they bought a house at 21, which I also find infuriating! I personally think people like that give us millennials a bad name.
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • lonelyrat
    • By lonelyrat 10th May 18, 1:59 PM
    • 362 Posts
    • 887 Thanks
    lonelyrat
    1500 is still good, especially if it feel sustainable. I know I've definitely tried to diet before and restricted myself so much it hasn't lasted so was just pointless. Also that's a lot of steps on the weekend... I think I'd be needing rolled into work on Monday haha! I'm only managing to get mine in because I'm part time now - if I was full time I definitely wouldn't be managing.

    I only have two friends who who have bought their own homes and both of them have done it as their parents have gifted them the deposits. It's lovely for them but it does seem like they have a false sense of pride over what they've "achieved". It's going to be hard work but we'll both get there and it will be super sweet because we'll have earned it. First thing first, debt busting! I'm hoping once I get the debt paid off I'll manage to keep the same motivation and build up savings at the same pace.
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • Silver Queen
    • By Silver Queen 10th May 18, 2:39 PM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    I've actually made a potentially crazy decision to - gasp - just let the loan from my parents (which is my only debt outstanding) tick on. It's 10,250 at the moment and I'm paying 250 per month. I'm going to carry on paying the standing order amount of 250 per month and save money on the side for a deposit. If my mum has another wobbly a la the one she had over Christmas, I can then pay her a lump sum if necessary. I'm doing this to help improve my focus so that I can build up a deposit on a house and not feel disheartened that my money is "disappearing".

    I'm finally going to take EssexHebridean's sage advice and save the money I get from surveys etc in a separate bank account to create a little deposit stash to get me going.

    Phew, a couple of sensible financial decisions from me! What has happened!


    (Saying that, I may have booked a weekend away in December for OH's Christmas present...not such a wise girl after all...)
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • lonelyrat
    • By lonelyrat 12th May 18, 9:20 PM
    • 362 Posts
    • 887 Thanks
    lonelyrat
    I think that's a really solid idea. Being able to save for something and have a goal will be far more motivating. If worst comes to worst you can always take some deposit savings and pay off a chunk.

    Haha! I had wondered what you had got your OH! Where are you jetting off to this time? The way I see it is an experience is better than a gift that may not have any longevity and just get discarded. Holidays for the win! If my OH can find a job sometime soon I want us to go away in September for my birthday. We will both be a few months debt free and it can serve as a nice reward (and to make up for the Copenhagen fiasco!)
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • Silver Queen
    • By Silver Queen 13th May 18, 11:52 PM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    We're going to Kiev in Ukraine - OH will love it as he'll be interested in the soviet history. I just booked it because it was cheap and will be cheap when we're there! It cost around 80 each for flights and accommodation and will only be a long weekend. I checked lonelyplanet and I reckon we will be fine with 100 spending money each. OH will be told to supply his own spending money! Will also need to book airport transfers as for some reason there doesn't seem to be a metro to the city centre from the airport. I checked and it'll be around 40 there and back. Also will book train tickets as it's at a slightly further away London airport and last time it cost us more to get to the airport and back than it did our whole holiday! I didn't quite realise how cold it gets there though and we're going in December so I might have to buy a snow jacket!

    Very naughtily I have now also booked a holiday to Rome for us in February. My family wanted to go on a family holiday there for three days which I'm not paying for at all except maybe the odd meal when I'm there. My sister is using her Avios to book the flights so she offered to book a later flight back for me so I could spend some time with OH there as we have never been to Rome before, so I'm essentially tagging on two days of accommodation and spending money. It was 75 each for accommodation for both days (Rome is so expensive!) and I used some of my own avios to book a flight for OH so he could be on the same flight back with me. Probably shouldn't have but Rome is on our bucket list and we have never booked it because it's always been too expensive. This way, it's actually affordable!

    All in all I've spent or will spend about 300 on holiday this month
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • EssexHebridean
    • By EssexHebridean 15th May 18, 12:45 PM
    • 8,719 Posts
    • 46,008 Thanks
    EssexHebridean
    That's a great budget way to visit somewhere that's so firmly on your list though - and you have the time to save up spending money etc as well so all good I'd say!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/1035.63 (09/07/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • lonelyrat
    • By lonelyrat 15th May 18, 8:50 PM
    • 362 Posts
    • 887 Thanks
    lonelyrat
    Kiev is on my list to go to! I did Slavonic Studies for a while at Uni so I feel your OH and I share an interest haha

    Rome will be lovely as well! 2 holidays for 300 isn't bad at all... And like EH said you have time to save up the spending money!
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • Silver Queen
    • By Silver Queen 18th May 18, 8:47 AM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    I have to confess to well and truly busting my budget this month

    I just spent 160 on four tickets to a gig in October! My favourite band is doing a reunion of two shows only having not done a gig together for I don't even know how many years. I've never seen them live! It's even in my part of London so I think it's fate.

    I will be getting 80 back for two of the tickets but I bought tickets for myself and OH before even asking him if he wanted to go, on the basis that they would probably sell out and I didn't want to miss out. Because of this I told him that I would pay for his ticket as it's not really fair for me to demand he attends and also demand that he pays. Missed a trick though because he then told me that he is a fan of the band too so I could probably have asked him to pay

    Really not doing very well this month! At least my meagre savings pots are still intact...
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • onedaysomeday
    • By onedaysomeday 18th May 18, 9:08 AM
    • 560 Posts
    • 792 Thanks
    onedaysomeday
    Well done on keeping the savings intact though! I had to raid all of mine this month due to my own fault with buying car insurance on the day of buying the car which made it jump up an extortionate amount

    The gig tickets sound like a good reason for busting the budget though I would have taken it being local to you as a sign I should go too!
    Just trying to make up for past mistakes and work towards the future I want
    • Silver Queen
    • By Silver Queen 20th May 18, 11:49 AM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    Accidentally put my leather watch in the tumble dryer

    Fortunately the watch part is fine but the straps are completely ruined. I'll have to buy new straps!

    Going to have a look in the jewellers today and see if I can find anything unbranded which looks right. Otherwise it's 30(!) for new leather straps.

    Next month I will be buying some new casual clothes as I've had a rash of clothes giving up the ghost on me, having been worn for 5 years or more. I now have only two dresses, two pairs of jeans, one pair of leggings and one jumper that I can wear casually - not really ideal! I have loads of office clothes so I should be OK in that respect although my recent weight gain has made my clothes quite unflattering....
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • Silver Queen
    • By Silver Queen 21st May 18, 11:32 AM
    • 411 Posts
    • 1,949 Thanks
    Silver Queen
    I have now managed to get a romper from Primark for 6 and a winter waterproof jacket from Hollister for 25 - I'm pleased with that, it'll be handy for Kiev! Next aim is a couple of t-shirts that are decent quality (not Primark) for casual wear. I did have a top from Hollister which was really good quality but having worn it for 6 years, it finally gave up and ripped on me at the weekend, so I'm looking for something similar that will last me a while. Then I just need a pair of sandals (mine fell apart in Portugal in January) and then I should be good to go for a while.

    I also bought a dress for my friend's wedding in July. I had a voucher so it came to a grand total of 19 for a formal dress, which I'm not displeased about.

    Just checked and it looks like payday this month will be on Wednesday, woo! Next month will be a five week month.

    Off to Brighton this weekend, the train tickets have already been paid for and were a total bargain as I booked the late night train, which cost me a grand total of 3! Going to have a lovely time, hopefully.

    Been focusing more on my health these past few weeks as OH's cousin's wedding is in 4 weeks and I don't really want to buy a new dress for it. I have a dress that I could wear but it is the epitome of the phrase "just because it zips, doesn't mean it fits". If I manage to lose around 5kg I should be able to fit back into it comfortably. Alternatively, if I don't manage to fit back into this dress I will just wear the same dress twice to both my friend's wedding and OH's wedding but I'm a bit worried about getting tagged in photos on social media! My friend is the type who would possibly be offended. We'll see how weight loss goes because I think the new dress that cost 19 would still look fine if I lose 5kg.

    Last week's step count didn't quite hit the 70k that I was hoping for. I made it to 65,600 which is not great. I'll be trying to increase my daily step count during the week this week by walking an extra stop before getting on the train. Fingers crossed that does the job.
    Debt Totals July 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,750 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • lonelyrat
    • By lonelyrat 22nd May 18, 7:55 AM
    • 362 Posts
    • 887 Thanks
    lonelyrat
    Yay to still having savings even after booking holidays and a gig! Perhaps with the gig you could ask OH to pay for drinks/ food on the day? That way by the time it comes round you probably won't miss the extra 40 you paid but you could end up feeling like you're getting a wee treat from him!

    That's really crummy about the watch At least the actual watch bit is still functioning. I got OH a nice watch for Christmas 2 years ago and he did the same and went to Timpsons and got a new leather strap which I'm sure was under 15 and looks pretty similar. Might be worth having a look if you haven't already sorted it!

    I'm the same with casual clothes... I have 1 pair of leggings and a few t shirts, but those are more around the house clothes than being seen in public clothes. Am going to hold off buying any for a few months at least and just hope what I do have lasts me! Some of my work dresses could be casual without tights /blazer so they may have to do I'm quite sneaky in that if I have any plans for socialising I organise it for after work that way I can wear my work clothes and not have to navigate trying to find something casual to wear!

    Don't have much advice on the weddings/ dress situation really. July is still a wee while away so you could set yourself a mini target of aiming to fit into the smaller dress and if it doesn't work out it isn't the end of the world and just use the other one as a back up. If it's a nice dress than I don't think there's anything wrong with wearing it to two different weddings! Gotta get maximum value out of it

    65,600 steps is really good! Any improvement is amazing really. I was actually reading a while ago that the whole 10,000 steps thing may not be the way to go with improving health/ weight etc. and that 10 minute bursts of quick walking is actually better for you. I'm still aiming for the 10,000 steps though as it gives me a reason to be out the house and doing something!

    Walking an extra stop from the train is a good idea! I did that the other day and it added about 1,500 steps... I was a bit annoyed at myself because it was hot and I just wanted to get home but when I DID get home I felt like I'd accomplished something!
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
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