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
    • 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 12
    • 117pauline
    • By 117pauline 13th Jan 18, 8:51 AM
    • 653 Posts
    • 7,282 Thanks
    117pauline
    I hope you are managing well with your ills. Sometimes it feels as though it is one thing after another.

    Now I really fancy stew and dumpling for tea. Last night I put a chicken pie and jacket potatoes in th oven before I went for a shower and hairwash etc. Somehow I managed to fall asleep and rescued the food two hours later! Now I know charcoal is good for you but there are limits.

    Did your daughter enjoy her birthday? It seems such a milestone doesn't it?

    And how are you getting on with the life coaching activities?

    Have a great weekend, take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Nicnak
    • By Nicnak 13th Jan 18, 7:23 PM
    • 923 Posts
    • 5,165 Thanks
    Nicnak
    Hope you start to feel better soon x
    September 6th 2017 - Updated 13th May 2018
    Credit Card 0 now: 0 Tesco Loan 7500 = 0 Consolidation 15,000 = 13,855 Total = 25,330 13,855 43% gone EMF #252 = 700/1000
    Sealed pot challenge #589
    Pay off all your debts by Christmas #71
    • Tea&Kittens
    • By Tea&Kittens 14th Jan 18, 11:43 AM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Wow, I hadn't realised some of the PA survey things had such a small number of participants. I guess that explains why they get filled up so quickly. I have other survey sites to fill in though, slowly building up to a little pot of something!
    Oh Pauline, it sounds like you must have been really tired the other day to have fallen asleep! I hope you managed to get some tea
    Kitty had a lovely time for her birthday, she just needs to sort out which day she wants to go for her spa as her present from me.
    Life coaching is progressing, but slowly now I'm back at work, I don't want to overdo things and end up making myself ill again.
    Hope everyone is having a good weekend! I've been playing boardgames with friends yesterday. Doing a bit of pottering around the house today, and I should also do a bit of food shopping. Might have to consider a different flavoured stew for this week, much as chicken is easy and tasty, we have had it rather a lot lately!
    #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 Jan 18, 5:51 PM
    • 1,897 Posts
    • 11,573 Thanks
    Cumbria lass
    Good to heat you are back at work , as you say take things at your pace and look after yourself.
    CC1 3475 May 2018
    • EssexHebridean
    • By EssexHebridean 16th Jan 18, 12:04 PM
    • 8,716 Posts
    • 45,977 Thanks
    EssexHebridean
    Good to hear that things are improving a bit healthwise and fingers crossed for the driving thing working out OK.

    Glad Kitty had a fabulous 18th as well - that cake sounds amazing!

    Mmmm...stew and dumplings. we've not had that so much as usual over this winter as yet as it's not fitted in so well with me tracking and logging my food - I'm planning to relax a bit on that next month though so will factor it in to a meal plan there I think!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Tea&Kittens
    • By Tea&Kittens 22nd Jan 18, 11:30 AM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Feeling more energised this week, ready to plan and go!
    Managed a walk out in the countryside with friends yesterday, despite the miserable weather!
    Doing better financially than I usually am at this time of the month.
    Starting a little extra thing later, doing an hour or so of reception duties at the dance studio. If this works out, I'll have more money for saving/doing other things as it'll cancel out the monthly fees!
    #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!
    • Tea&Kittens
    • By Tea&Kittens 23rd Jan 18, 12:48 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Almost the end of the month! It's been a struggle, with Christmas and Kitty's 18th.
    I really need to have a couple of more careful, frugal months to get some savings growing!
    #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!
    • Nicnak
    • By Nicnak 23rd Jan 18, 8:32 PM
    • 923 Posts
    • 5,165 Thanks
    Nicnak
    Nearly there now x
    September 6th 2017 - Updated 13th May 2018
    Credit Card 0 now: 0 Tesco Loan 7500 = 0 Consolidation 15,000 = 13,855 Total = 25,330 13,855 43% gone EMF #252 = 700/1000
    Sealed pot challenge #589
    Pay off all your debts by Christmas #71
    • Tea&Kittens
    • By Tea&Kittens 24th Jan 18, 1:18 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Plan for this weekend - readjust and rejig the budget!
    Going to try and put aside some of the monthly child benefit into separate account to try and have something stashed away for when Kitty leaves.
    #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 25th Jan 18, 12:44 PM
    • 8,716 Posts
    • 45,977 Thanks
    EssexHebridean
    The Forum team tweeted the link to your diary yesterday T&K! That;s nearly your 15 minutes of fame right there!

    Good plan to try to have some of the CB stashed for the future if you can - either to assist with her running costs while she's still at home but no longer eligible for CB payments or as you say, for when she leaves home altogether.

    Come and join me in #Frugal February if you want to dial things back a bit - all comers will be welcome!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Tea&Kittens
    • By Tea&Kittens 26th Jan 18, 4:12 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Oooh! Forum fame
    That's what I was thinking with the CB money. I've about a year and a half to see what I can do.

    I'll certainly give #Frugal february serious consideration!

    Thanks EH!
    #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!
    • Tea&Kittens
    • By Tea&Kittens 31st Jan 18, 3:24 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    OK, so I'm ready for #frugal february!
    I have a friend visiting on the 10th/11th, but she totally understands the money saving thing, so I'm allowing myself a small social spend that weekend.
    It's also my brother's birthday at the end of the month, and parents are paying for us to fly to Berlin, so there will be some extra food expenses at the end of the month, but if I'm good for the rest of the month I will have earned it I feel!
    #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!
    • Tea&Kittens
    • By Tea&Kittens 1st Feb 18, 2:52 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    I'm about a month behind with the "new beginnings" stuff, but now here I am, ready and budgeted for #frugal february!
    Things I need to do this month:
    - sell the old car now I get provided with one from work
    - sort out the spare room into a more relaxing space (there's a single bed with drawers underneath to sell, so that should help a little)
    - have a proper sort out of clothes
    - rent out a rugdoctor carpet shampooer thing (one of the cats has used the back room as a toilet and I can't get rid of the smell, hoping this will help!)
    - check spending every day (though I'm much better than I was, and do it most days I don't do every day)
    #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 2nd Feb 18, 11:27 AM
    • 8,716 Posts
    • 45,977 Thanks
    EssexHebridean
    Ooh excellent to have another FrugalFeb'er along for the ride!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Tea&Kittens
    • By Tea&Kittens 2nd Feb 18, 1:09 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Really need to knuckle down with it. January was a loooong month after an early pre-christmas payday, and with Kitty's 18th as well. I'm a little off track, but hoping frugalfeb will start things going in the right direction.
    #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 2nd Feb 18, 1:28 PM
    • 171 Posts
    • 395 Thanks
    NelliePie
    Sounds like a good plan. Keep the positive attitude going and you'll hot your goals in no time
    Little One's due date 18/12/18
    5/5/18 I became Mrs Pie
    FTB June '17 - 144k motrgage
    • Tea&Kittens
    • By Tea&Kittens 5th Feb 18, 11:27 AM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    #Frugalfeb day 5!
    Food theme this week: pasta with various sauces. Ratatouille type stuff. And probably a beef stew.
    Cats sorted for wet food for the month - Felix big boxes on offer woop! I just need to get some "old lady cat" dry food and they're done.
    Went to collect old car from friends house, and battery has died, so need to pop round with work car and jump leads and try and get it going so I can sell it! Hoping it doesn't need new battery, needs to sell this month as I don't want to have to MOT it.
    Keeping going with spending log by making nice pretty colour coded page in my journal
    #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!
    • Tea&Kittens
    • By Tea&Kittens 6th Feb 18, 12:50 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    I don't have much to say today, other than popping my head in to keep myself accountable!
    #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 Feb 18, 9:16 AM
    • 171 Posts
    • 395 Thanks
    NelliePie
    I don't know if it's useful but I've just received a Jamie Oliver recipe book for 5 ingredient meals. It's got some really tasty simple ideas that don't require a lot of effort or lots of fancy ingredients and there's a wide range of choice. You might be able to see a copy online or borrow it from a library. There's a great cheap recipe for a sausage bake (sort of a casserole) that we made a large batch of and it kept well for 3 days.

    I've stolen your idea for ratatouille and will be making that for my other half this evening with some grilled pork chops that were on offer

    Keep going, you're doing great
    Little One's due date 18/12/18
    5/5/18 I became Mrs Pie
    FTB June '17 - 144k motrgage
    • Tea&Kittens
    • By Tea&Kittens 11th Feb 18, 4:09 PM
    • 195 Posts
    • 731 Thanks
    Tea&Kittens
    Ooh I'll have a look for that Jamie Oliver book Nellie! Sounds like it might have some useful recipes!
    Trying a new tactic this week, I told Kitty what the food budget was and got her to plan meals and what we needed to make it all. She's done well, 6 under budget good practice for her for when she leaves home!
    #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!
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

3,309Posts Today

6,884Users online

Martin's Twitter