Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Mummy_bear
    • By Mummy_bear 4th Jun 17, 9:02 AM
    • 434Posts
    • 1,375Thanks
    Mummy_bear
    On a Mission
    • #1
    • 4th Jun 17, 9:02 AM
    On a Mission 4th Jun 17 at 9:02 AM
    So this is me holding myself accountable, publicly, albeit anonymously, for my spending.


    To be fair I'm not so bad, sort of, ish.


    DH on the other hand has issues!!


    Why am I doing a Diary? Well it all came to a head when DH spent his entire wage (1500) within a week of being paid. Of course a portion of this went to bills etc. But equally a lot was wasted on games for his playstation.


    It's frustrating because between us we bring in over 3k a month and literally have nothing at the end of it. I'm sick of it.


    So I've took on this challenge. I will do my utmost to rein DH in and fully intend to get us out of this debt.


    My intention is to tackle the different debt one at time.


    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


    I'm going to list our current debt.... GULP


    Outstanding on Mortgage - 84451
    Credit Card 1 - 2803.37 - interest free for 2 yrs
    Credit Card 2 - 1490 - interest free for 2 yrs
    Hitachi finance (for new Boiler) 3093 (includes interest)
    Littlewoods 518 (includes interest)
    Next 444
    Newlook (DH has no idea about this eeek) 130
    Loan 1 - 10865
    Loan 2 - 5964
    My overdraft currently stands at 150
    Dh's overdraft 700


    DH got a loan out last October - not sure what is outstanding on that so I'll have to update on that later.
    I do know that it's 155.12 a month payment.


    DH also has finance on a bicycle - again I need to get the outstanding on that
    Finance for a new TV - he got this against my advice - total amount was 899 - obtained earlier this yr - need the outstanding


    AND - he's recently took up a hobby that's resulted in the purchase, finance, for some items - again need to total figure on that one.


    See - he likes to buy things


    Without knowing DH's total outstanding I've totted up known figures.
    So including the mortgage we owe at least 110,608.37





    I also have a student loan that's 150 out of my wage every month. I believe I'm due my yearly statement this month so I can see what is outstanding hopefully. With 2 lots of Mat leave in the last 5 years it's taken longer to pay off. I'm hoping that I'm nearing the end though as that would be a huge help once gone.


    I do have some good habits!


    I overpay on our Mortgage. I think it's a monthly overpayment of around 120. I'll have to double check. Been doing that for years although previously the overpayments were more I the region of 75.


    I think initially I will concentrate efforts on overpaying the Hitachi finance and the Littlewoods account. Luckily with the Littlewoods account that is a buy now pay later (expires Jan) and I'm well on course to pay that off in time.


    With the Hitachi finance I currently pay just under 72 a month. I was the shittiest deal ever. However, it was Dec 2012. Our ancient boiler died. I was on mat leave. We needed a new boiler and in desperation took up the worst ever deal from British Gas. Ugh - shameful. I then just let it run it's course. I don't have figures at hand but I believe it was an 8 year deal and a disgusting interest rate.
    I logged into the account yesterday and found that it ends in Dec 2020. If I make just 18 a month overpayment it could end in Jan 2020!! I'm unbelievable peeved at myself for not concentrating on getting rid of this sooner. So that is my main goal!


    I aim to update at least once a week.


    By for now
    Last edited by Mummy_bear; 04-06-2017 at 9:05 AM.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    16600.19/46444.23 35.74% paid
Page 20
    • Mummy_bear
    • By Mummy_bear 15th Sep 18, 10:48 AM
    • 434 Posts
    • 1,375 Thanks
    Mummy_bear
    This morning I've just spent time, whilst wiping snotty kids noses, just thinking about how far we've come on our debt busting journey. It's been just over a year since I've started the diary. We've paid around 10k off the debt...but technically more as the debt went up briefly.

    I particularly relish the 1st of each month when targets are reset and I can try and beat them. We have so much motivation to get our debts paid.

    Yesterday DH had some good news around did it's hard not to jump the gun around dad's nothing is even set in stone!
    He need up having a 1hr informal phone call with a DM of a prestigious company for a potential role that DHs CV seems ideal for. Bare in mind this call was between 9pm and 10pm last night he was that keen to speak to DH.

    DH has been honest..can do the work just no qualifications to back it up. The DM said he'd get the qualifications through them. But we've heard this before. The difference now is that this is a well known company. One that you'd be so proud to work for and tell people about. DH has been invited in for a formal interview this Tuesday. DH is both excited and understanderbly nervous. The DM was keen for DH to consider taking on a more supervisory role, something he's never done before. Maybe this is what he needs. The pay is also good with OT as an option. Got everything crossed things work out DH needs a break. I'll be so gutted for him if they say that actually he's not what they're after. He's been let down too many times.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    16600.19/46444.23 35.74% paid
    • enthusiasticsaver
    • By enthusiasticsaver 15th Sep 18, 11:17 AM
    • 7,288 Posts
    • 16,016 Thanks
    enthusiasticsaver
    Good luck for your DH for Tuesday. Well done on managing to breastfeed the twins. That will have saved you loads. Also on reusable nappies. I used them years ago when my 2 DDs were babies but they have probably improved since then. The smell of nappisan and buckets of nappies soaking were horrible as I had 2 in nappies at the same time. My 2 DGDs use disposables but luckily the DGD1 is mostly toilet trained now.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • abba1772
    • By abba1772 15th Sep 18, 2:29 PM
    • 5,340 Posts
    • 19,539 Thanks
    abba1772
    Sounds promising good luck to hubby xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 0
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 12158.67
    • Mummy_bear
    • By Mummy_bear 18th Sep 18, 2:11 PM
    • 434 Posts
    • 1,375 Thanks
    Mummy_bear
    Very nervous
    DHs interview wa at 10.30 am.

    It's now 2pm and I've heard nothing yet. He's still there

    He was told last night that a CEO would be present. Seems extreme for an interview and yet to find out how much truth is in it. This isn't a local big company this is an international company!

    If I've not heard from him yet is this good news? I mean he knew there would be practical elements to the interview. Not sure it would take this long.

    I hope I'll be giving an positive update later

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    16600.19/46444.23 35.74% paid
    • Rachel24
    • By Rachel24 18th Sep 18, 2:43 PM
    • 201 Posts
    • 745 Thanks
    Rachel24
    Fingers crossed for you and for your Oh!
    • efes shareholder
    • By efes shareholder 18th Sep 18, 3:30 PM
    • 367 Posts
    • 991 Thanks
    efes shareholder
    The old saying is " no news is good news"

    Really hope there is some good fortune for your DH soon
    • enthusiasticsaver
    • By enthusiasticsaver 18th Sep 18, 4:53 PM
    • 7,288 Posts
    • 16,016 Thanks
    enthusiasticsaver
    Fingers crossed for him. If it is a large international company he could be interviewed by several people separately.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Chrystal
    • By Chrystal 18th Sep 18, 5:02 PM
    • 509 Posts
    • 3,362 Thanks
    Chrystal
    Really hope it's good news... I've got everything crossed for you! XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • Mummy_bear
    • By Mummy_bear 18th Sep 18, 7:33 PM
    • 434 Posts
    • 1,375 Thanks
    Mummy_bear
    Fingers crossed for him. If it is a large international company he could be interviewed by several people separately.
    Originally posted by enthusiasticsaver
    And, it traspires is exactly what happened


    HE GOT THE JOB!!!

    No start date given, he will know that within a few days.
    And no sooner was he offered the job DHs phone has not stopped ringing. ..loads of recruitment agencies wanting to put him forward for jobs. Agencies what went silent on him and came up with nothing! Weird.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    16600.19/46444.23 35.74% paid
    • Chrystal
    • By Chrystal 18th Sep 18, 7:43 PM
    • 509 Posts
    • 3,362 Thanks
    Chrystal

    So very very pleased for you both!
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • abba1772
    • By abba1772 18th Sep 18, 8:52 PM
    • 5,340 Posts
    • 19,539 Thanks
    abba1772
    That's fantastic news

    As for the phone ringing off the hook it's Sod's law isn't it xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 0
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 12158.67
    • Rachel24
    • By Rachel24 18th Sep 18, 9:20 PM
    • 201 Posts
    • 745 Thanks
    Rachel24
    Aw so happy for you both! Must be such a relief for your OH! Think that deserves is a celebration in some way!
    • enthusiasticsaver
    • By enthusiasticsaver 18th Sep 18, 11:41 PM
    • 7,288 Posts
    • 16,016 Thanks
    enthusiasticsaver
    Fantastic news. Such a relief for you both.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • efes shareholder
    • By efes shareholder 19th Sep 18, 8:17 AM
    • 367 Posts
    • 991 Thanks
    efes shareholder
    excellent news

    Although I don't want to rain on things , keep those agency options open until everything is confirmed
    I am sure everything will be fine , it sounds like they have been very pro active in securing his employment however it always best to have a plan B in place .......just in case

    In the meantime , I think this good news deserves a jubilant glass of wine
    • Mummy_bear
    • By Mummy_bear 19th Sep 18, 9:38 AM
    • 434 Posts
    • 1,375 Thanks
    Mummy_bear
    Thank you everyone.

    Absolutely wise words efes we're not quite celebrating until the letter comes through with a start date.

    As for a celebratory drink...well I've still not had any tipple since finding out I was pregnant last November. DH has also abstained since being unemployed to save the expense and he's enjoying feeling better for it.

    So we'll probably think of something else to celebrate once we feel safe to.

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    16600.19/46444.23 35.74% paid
    • Mummy_bear
    • By Mummy_bear 20th Sep 18, 12:53 PM
    • 434 Posts
    • 1,375 Thanks
    Mummy_bear
    So DH has had several phone calls now absolutely confirming he has the job. We're just waiting on HR to give the start date and they're trying to push it for Monday. That would be great. He's chomping at the bit.

    Never did update on DHS health. As some of you may recall he has had ongoing back issues resulting in scans etc. There was even mention of MS. Well he's now been diagnosed with something called hereditary !!!!!!! paraparesis (hsp). It relates to stiffness to his upper thighs but because of this the knock on effect is his back issues. We've had to get the older children referred to paeds to check for this. Not really much can be done about it other than physio

    Feeling rather chilly today but I will not out the heating on! Really want to hold off as long as possible on this. A disadvantage to mat leave is increased fuel consumption!

    Totals as of 20th September

    Lloyds CC 5203.09
    MBNA CC 3923.15
    Barclaycard CC 467 2 paid off
    Tesco Loan 7243.36 213.04 paid off
    Santander Loan 4508 155.45 paid off
    M&S Loan 6049.20



    Total debt as of 6th September 27984.29
    Total debt as of 14th September 27764.29
    Total debt as of 20th September 27393.04
    ~~~~~~~~~~~~~~
    Monthly Challenge


    Earn 30 payable from survey sites

    10/30

    VO is now up to 4.10
    PA currently has 8.13 payable and 1 pending.
    Onepoll currently has 22.05 in there.
    Yougov currently has 2485 points in there.
    E.Rewards currently has 4675 points in there.
    Qmee has 00.09 in there

    Reduce debt by 850 593.49/ 850


    So far a managed To list 11 things on 3bay so hoping for success in sales

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    16600.19/46444.23 35.74% paid
    • abba1772
    • By abba1772 20th Sep 18, 3:53 PM
    • 5,340 Posts
    • 19,539 Thanks
    abba1772
    Fantastic news fingers crossed hubby can get started on Monday xx

    That's a shame about the diagnos but at least you know what he's dealing with, I've been to physio for my hips and now my daughter who is 16 is also under the physio for her hips but it does help xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 0
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 12158.67
    • Mummy_bear
    • By Mummy_bear 20th Sep 18, 4:37 PM
    • 434 Posts
    • 1,375 Thanks
    Mummy_bear
    Second update of the day. Just checked the credit cards and new statements were in so got them paid straight away.

    Totals as of 20th September again

    Lloyds CC 5133.09 70 paid off
    MBNA CC 3873.17 50 paid off
    Barclaycard CC 467
    Tesco Loan 7243.36
    Santander Loan 4508
    M&S Loan 6049.20



    Total debt as of 6th September 27984.29
    Total debt as of 14th September 27764.29
    Total debt as of 20th September 27393.06
    Total debt as of 20th September part 2 27273.06
    ~~~~~~~~~~~~~~
    Monthly Challenge


    Earn 30 payable from survey sites

    10/30

    VO is now up to 4.10
    PA currently has 8.13 payable and 1 pending.
    Onepoll currently has 22.05 in there.
    Yougov currently has 2485 points in there.
    E.Rewards currently has 4675 points in there.
    Qmee has 00.09 in there

    Reduce debt by 850 713.49/ 850


    So far a managed To list 11 things on 3bay so hoping for success in sales

    MB
    • Mummy_bear
    • By Mummy_bear 27th Sep 18, 8:27 PM
    • 434 Posts
    • 1,375 Thanks
    Mummy_bear
    Well DH starts his new job on Monday
    So much relief there. I will miss DH being around the house to help!

    Managed to sell a few bits on 3bay, after all fees I've only made about 10, but I'm declutter in and it's a tenner I didn't have before! Probably going to stick it in my mat savings pot but for now it's in my PayPal.


    Totals as of 27th September

    Lloyds CC 5133.09
    MBNA CC 3873.17
    Barclaycard CC 467
    Tesco Loan 7243.36
    Santander Loan 4508
    M&S Loan 5894.08 155.12 paid off



    Total debt as of 6th September 27984.29
    Total debt as of 14th September 27764.29
    Total debt as of 20th September 27393.06
    Total debt as of 20th September part 2 27273.06
    Total debt as of 27th September 27117.94
    ~~~~~~~~~~~~~~
    Monthly Challenge


    Earn 30 payable from survey sites

    10/30

    VO is now up to 4.10
    PA currently has 11.08 payable and 1.50 pending.
    Onepoll currently has 22.05 in there.
    Yougov currently has 2485 points in there.
    E.Rewards currently has 4675 points in there.
    Qmee has 00.09 in there

    A very slow month

    Reduce debt by 850 868.61/ 850


    So far a managed To list 11 things on 3bay so hoping for success in sales

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    16600.19/46444.23 35.74% paid
    • Mummy_bear
    • By Mummy_bear 28th Sep 18, 4:03 PM
    • 434 Posts
    • 1,375 Thanks
    Mummy_bear
    Final payment of month
    Popping in to update figures. Managed to squeeze a small payment to the BC today. It will definitely be cleared before Xmas. So happy about that.

    Totals as of 28th September

    Lloyds CC 5133.09
    MBNA CC 3873.17
    Barclaycard CC 462.5 4.50 paid off
    Tesco Loan 7243.36
    Santander Loan 4508
    M&S Loan 5894.08



    Total debt as of 6th September 27984.29
    Total debt as of 14th September 27764.29
    Total debt as of 20th September 27393.06
    Total debt as of 20th September part 2 27273.06
    Total debt as of 27th September 27117.94
    Total debt as of 28th September 27113.44
    ~~~~~~~~~~~~~~
    Monthly Challenge


    Earn 30 payable from survey sites

    10/30

    VO is now up to 4.85
    PA currently has 11.08 payable and 2.10 pending.
    Onepoll currently has 22.80 in there.
    Yougov currently has 2485 points in there.
    E.Rewards currently has 4675 points in there.
    Qmee has 00.09 in there

    A very slow month

    Reduce debt by 850 873.11/ 850


    So far a managed To list 11 things on 3bay so hoping for success in sales

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    16600.19/46444.23 35.74% paid
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,208Posts Today

8,977Users online

Martin's Twitter