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  • FIRST POST
    • Tea&Kittens
    • By Tea&Kittens 7th Sep 17, 2:57 PM
    • 195Posts
    • 731Thanks
    Tea&Kittens
    Everything is possible if you try!
    • #1
    • 7th Sep 17, 2:57 PM
    Everything is possible if you try! 7th Sep 17 at 2:57 PM
    Hi all
    Newbie to the forum here. I'm ready to hold my hand up and say "yes, I have a debt problem". I'm also ready to do what I can to climb out of this debt-hole! (Hence the positive title!)

    So, a little bit about me - I live with my teenage daughter (who I shall refer to from here on as Kitty) and two real-life floofs who constantly demand food and attention.

    I've been dithering around in denial for months years, while slowly but surely the debt pile has accumulated. I was doing a really great job of ignoring this, until a few months ago, when I found myself doing the weekly shop on the credit card ("just to tide me over until pay day"), letting things creep up and up, and not repaying those little credit card payments which grew and grew, meaning that month on month just paying off the interest I wasn't getting anywhere.

    I took a long look at what I was spending and where. Admittedly I've been lazier than I should have been with regard to my finances, so I hadn't really bothered to shop around for energy, broadband, car insurance etc deals. I've started to rectify this, and have found cheaper car insurance, energy and broadband. I've also started my little black book for recording moneys in and out, and renewal dates for such things (and discovered that uswitch will save reminders on these too )

    I found this forum a couple of days ago, and your stories have inspired me to feel I'm not too old to get ouf of debt before I retire, and my debts, while a large looming cloud at the moment, should be manageable with some serious organisation.
    I've been having to take a lot of self-care lately, due to health reasons, but looking after finances so I'm not so anxious will be part of that.

    So, this is the beginning of my diary, and journey. Constructive comments and helpful tips are welcomed, but please be gentle with me, as I'm new to this.

    I do have a question for you all - I'm not currently on any DMP or anything. I spoke to a debt management company on the phone, and they recommended an IVA. For some reason the thought of this made me lose nearly a nights sleep and wake several times with severe anxiety chest pains! Hence, I'm trying being accountable to myself, and being open here I think will help, it seems an encouraging group.

    Current level of debt:
    Barclaycard: 15,000
    HSBC Credit Card: 3,000
    MBNA Credit Card: 2,400
    Overdraft (this gets maxed out every month without fail): 350
Page 11
    • 117pauline
    • By 117pauline 2nd Dec 17, 8:09 PM
    • 653 Posts
    • 7,281 Thanks
    117pauline
    I have my menu ideas on a spreadsheet so it doesn't take too long to make my menu plans. I have a sheet for summer, one for winter and one for Christmas and boxing day too.

    This way I don't have to come up with ideas each time.

    How do you feel about the reception job now? I was wondering how it might work with your long commute?

    Enjoy the rest of the weekend, take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • SnowBallBunny
    • By SnowBallBunny 2nd Dec 17, 11:36 PM
    • 141 Posts
    • 282 Thanks
    SnowBallBunny
    Welcome to DFW!

    Regarding keeping an eye on your finances, I check my bank balances daily, that's one thing that's really helped me to keep an eye on things. Otherwise you could keep a spreadsheet and track your progress that way.

    Also watching lots of Dave Ramsey videos on Youtube has helped. On his channel you'll find lots of people's debt stories, either people asking him questions about their current situation or people celebrating having paid off debt, often very large amounts.

    I really like your thread title, yes, Eveything is possible if you try!
    Credit Card 1 6,000/5,462.76 Debit Card 5,000/4,038.61 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,324

    A SnowballBunny, hopping my way to Financial Freedom.
    • Tea&Kittens
    • By Tea&Kittens 4th Dec 17, 7:29 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Had a pretty good weekend, with friends and boardgames
    This week's "big pot" dinner is a huge load of ratatouille I made yesterday. We have another couple of meals out of it. I did go slightly over budget shopping this weekend, but this was due to purchase of a new clothes airer as the old one has completely collapsed.
    Took a couple of friends to Chatsworth christmas market today (they paid fuel and parking as I drove). I only took as much cash with me as I had budgeted, and no card temptations. Had a lovely walk, and just got a little elephant tree ornament for Kitty (elephants being her favourites).
    #Frugal February : NSDs Target =16
    Started here on 07 September 2017: Total: 20,521 19847
    Barclaycard: 14659 14435 Oct 2017 HSBC Credit Card : 3112 3012 Oct 2017
    Overdraft: 350 0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • NelliePie
    • By NelliePie 7th Dec 17, 1:26 PM
    • 165 Posts
    • 392 Thanks
    NelliePie
    Just chirping in to say well done and keep going! You seem to have taken the ideas and support form everyone here and have created a new financially-healthier lifestyle for you and your daughter. Don't be too hard on yourself as you've come a long way, no one is perfect but you're still trying. It's nice to see the difference in your confidence in tackling this debt - comparing the start of this thread to now you seem more prepared and confident in your ability to deal with it. I hope you notice this difference too along with the difference in the debt levels
    Little One's due date 18/12/18
    FTB June '17 - 144k.
    • EssexHebridean
    • By EssexHebridean 12th Dec 17, 1:12 PM
    • 8,717 Posts
    • 45,965 Thanks
    EssexHebridean
    Mmm ratatouille sounds fabulous - that's something I do from time to time as well. and well done on just taking cash to Chatsworth - I can well imagine there might be a lot of temptations to spend at something like that! Hope Kitty liked her elephant!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/982.19 (04/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Tea&Kittens
    • By Tea&Kittens 14th Dec 17, 4:25 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    There were so many temptations ... I was glad I limited myself, and still had a lovely day
    I've been staying away from computers and screens a bit while I'm off (and last week, at GP review he advised getting outside as much as possible), so I've been getting outside for wintry walks!
    Time off work has also given me thinking time to try and figure out what to do next, I'm having a couple of sessions with a career/life coach to try and identify skills and focus etc. (Thanks to parents for funding, they are amazing!).
    #Frugal February : NSDs Target =16
    Started here on 07 September 2017: Total: 20,521 19847
    Barclaycard: 14659 14435 Oct 2017 HSBC Credit Card : 3112 3012 Oct 2017
    Overdraft: 350 0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • Plush
    • By Plush 14th Dec 17, 5:54 PM
    • 94 Posts
    • 260 Thanks
    Plush
    There were so many temptations ... I was glad I limited myself, and still had a lovely day
    I've been staying away from computers and screens a bit while I'm off (and last week, at GP review he advised getting outside as much as possible), so I've been getting outside for wintry walks!
    Time off work has also given me thinking time to try and figure out what to do next, I'm having a couple of sessions with a career/life coach to try and identify skills and focus etc. (Thanks to parents for funding, they are amazing!).
    Originally posted by Tea&Kittens
    You're doing great Tea&Kittens! It's a great idea with staying away from screens, I think I need that too over the hols.

    Loving the career coach idea, that's a great present. Let us know what comes out of that, some of those life coaches can be really good.
    current credit debt Jan-2018 12000 @ 0% // initial debt Sep-2017 14200
    • Tea&Kittens
    • By Tea&Kittens 14th Dec 17, 7:16 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    I met the coach just over a week ago for a preliminary meeting, had a load of things to think about. Filled in lots of things which should help with the coaching sessions. First proper one tomorrow, I'm looking forward to it!
    #Frugal February : NSDs Target =16
    Started here on 07 September 2017: Total: 20,521 19847
    Barclaycard: 14659 14435 Oct 2017 HSBC Credit Card : 3112 3012 Oct 2017
    Overdraft: 350 0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • Cumbria lass
    • By Cumbria lass 14th Dec 17, 8:16 PM
    • 1,905 Posts
    • 11,549 Thanks
    Cumbria lass
    Great idea the life/career coach , hope it goes well. Chatsworth is beautiful at Christmas as well , well done on avoiding temptation.
    CC1 3475 May 2018
    • Tea&Kittens
    • By Tea&Kittens 19th Dec 17, 4:03 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Think I'm just about on track for christmas! Slightly low on funds at the minute, but Kittys dad is late with the monthly payment. This is really frustrating!
    I was given an unexpected gift, so I've raided my jewellery masking supplies and made wine glass charms as a return gift... they look quite pretty!
    Garlic chicken and roast beef hotpot is keeping us fed this week!
    #Frugal February : NSDs Target =16
    Started here on 07 September 2017: Total: 20,521 19847
    Barclaycard: 14659 14435 Oct 2017 HSBC Credit Card : 3112 3012 Oct 2017
    Overdraft: 350 0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • EssexHebridean
    • By EssexHebridean 19th Dec 17, 4:58 PM
    • 8,717 Posts
    • 45,965 Thanks
    EssexHebridean
    Ooh your food sounds lovely again! And great work on the return of the unexpected gift too - what a lovely idea! Nice to have skills that you can put into use when something like that arises.

    The coaching thing sounds like a great idea to help you see through all the "stuff & expectations" and to the root of what you really want to do.

    Hope Kitty's Dad sticks his hand in his pocket sooner rather than later - not the ideal time of year to be low on funds!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/982.19 (04/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • 117pauline
    • By 117pauline 31st Dec 17, 11:08 PM
    • 653 Posts
    • 7,281 Thanks
    117pauline
    Happy New Year

    May all your hopes and dreams come true in 2018

    Take care
    Pauline

    Thank you for popping in on my thread, your support is so appreciated
    Don't get it perfect - Get it going
    Better Than Before
    • SnowBallBunny
    • By SnowBallBunny 1st Jan 18, 6:02 PM
    • 141 Posts
    • 282 Thanks
    SnowBallBunny
    Happy New Year Tea! All the very best for 2018!
    Credit Card 1 6,000/5,462.76 Debit Card 5,000/4,038.61 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,324

    A SnowballBunny, hopping my way to Financial Freedom.
    • EssexHebridean
    • By EssexHebridean 4th Jan 18, 12:32 PM
    • 8,717 Posts
    • 45,965 Thanks
    EssexHebridean
    Hope it was a good one T&K!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/982.19 (04/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Tea&Kittens
    • By Tea&Kittens 10th Jan 18, 4:20 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Happy New Year all! I have emerged, still a little tired and jaded, but otherwise just about intact, from my head-enforced hibernation.
    I returned to work yesterday, on a phased return. GP has specified not driving long distances due to medical condition, meaning the travel element of this new position is temporarily suspended.
    Had to inform DVLA of condition, so waiting to hear back whether I can continue to drive at all.

    Kitty has just turned 18 at the weekend, we had a celebratory birthday meal of sushi (her favourite) and I made a most unhealthy gooey chocolate cake. It was my take on this:
    https://www.feedingboys.co.uk/2017/05/09/ultimate-chocolate-birthday-cake/
    I think there's enough calories to keep us going for a month there! Christmas and birthday have just about done me in terms of money, but I've enough just to keep us afloat throughout January (particularly if we live on stew and pasta!)
    Hope all are well, thanks for dropping by while I've been a bit absent. Screens have not been helping with my ills!

    T&K xx
    #Frugal February : NSDs Target =16
    Started here on 07 September 2017: Total: 20,521 19847
    Barclaycard: 14659 14435 Oct 2017 HSBC Credit Card : 3112 3012 Oct 2017
    Overdraft: 350 0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • Chrystal
    • By Chrystal 10th Jan 18, 8:40 PM
    • 284 Posts
    • 1,882 Thanks
    Chrystal
    Hope things start to improve for you T&K and that you don't have to give up driving altogether.

    Belated Happy Birthday to Kitty!

    I think you can't go far wrong with stew and pasta to be honest. Good wholesome food (use wholemeal pasta) that can be flavoured so many different ways, while being cheap and easy to cook. Enjoy!
    GC. Oct.17 = 261.18/ 300 = + 38.82 NSDs 20/31
    GC. Sept.17 = 354.89/300 = - 54.39

    • Tea&Kittens
    • By Tea&Kittens 10th Jan 18, 9:31 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Stew especially while the weather is cold and miserable! Fortunately neither of us are picky eaters!
    #Frugal February : NSDs Target =16
    Started here on 07 September 2017: Total: 20,521 19847
    Barclaycard: 14659 14435 Oct 2017 HSBC Credit Card : 3112 3012 Oct 2017
    Overdraft: 350 0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • Cumbria lass
    • By Cumbria lass 10th Jan 18, 9:35 PM
    • 1,905 Posts
    • 11,549 Thanks
    Cumbria lass
    T&k hope everything continues to get better health wise . Stew is just what is needed at the moment .
    CC1 3475 May 2018
    • Tea&Kittens
    • By Tea&Kittens 12th Jan 18, 12:03 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    I have a question for the survey-doers out there. I joined prolific academic a couple of months ago. I have not had a single survey which I am eligible for yet. There are more "fill in these questions so we can make sure you get surveys" questions every time I log in.
    Does anyone have any luck actually getting any of their surveys?
    #Frugal February : NSDs Target =16
    Started here on 07 September 2017: Total: 20,521 19847
    Barclaycard: 14659 14435 Oct 2017 HSBC Credit Card : 3112 3012 Oct 2017
    Overdraft: 350 0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • Eager_Elephant
    • By Eager_Elephant 13th Jan 18, 8:28 AM
    • 4,404 Posts
    • 25,228 Thanks
    Eager_Elephant
    When I first joined PA I didn't do any of the of the qualification questions and got tons of surveys, over time I completed them and seemed to get less and less surveys.

    Nowadays I don't get a chance to check the site while at work and by the evenings there are often no surveys.

    The surveys are from academics and are usually posted in the day time (not everyone can check at work) and also have a limited number of participants - some as low as 10, I have seen one which was over 1000 but that is quite rare. You can imagine with all the people signed up that the surveys will be filled pretty quickly.
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
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