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  • FIRST POST
    • lonelyrat
    • By lonelyrat 18th Oct 17, 7:48 PM
    • 272Posts
    • 673Thanks
    lonelyrat
    LonelyRat's (not so lonely) Road to Riches
    • #1
    • 18th Oct 17, 7:48 PM
    LonelyRat's (not so lonely) Road to Riches 18th Oct 17 at 7:48 PM
    Hello everyone I have been posting for a few months now over on the general Debt Free Wannabe board but have decided what I'm wanting to do seems more like a Debt Free Diary, so here I am!

    I started trying to tackle my situation in June with around 7,500 of debt and no clue what to do about it. I made a basic, confused, sort of plan to tackle it and got cracking... I managed to make a tiny dent but wasn't doing particularly much and still felt completely overwhelmed. One night, after a few (read: many) wines, a desperate internet search for "help, debt" brought me here. I began reading through other people's threads and started to get a better idea of what I should be doing (hello snowballing - how had I not heard of you?!). In August I got the balls together to post my first thread. I got some good advice, began to feel more motivated and focused and, above all, started to feel like there was light at the end of the tunnel

    There are a number of reasons why I want to start this diary. Most importantly I feel like it will help me be more accountable for my actions. I've made a series of poor decisions which have led me to the money mess I'm in now. I need to unlearn bad habits and by writing everything down and checking in a few times a week I'm hoping to start reprogramming myself.

    Some general info about me and my life:
    I have just turned 27 *shudder* and am partnered up with OH. We have been together a few years and live together with his parents in Bonny Scotland. A few months ago as we used to rent a flat together but really couldn't afford it so we've moved in with his parents to reduce outgoings and get this debt busted with the ultimate aim of saving towards a deposit (something that seemed completely unattainable even just a few months ago). I work in a dead end customer service role at a bank and he is a student who is currently in his last year of study (hallelujah)!

    Hobbies for me include drinking wine, but I am attempting to cut this down and have gone sober for October. Hopefully I can carry it on indefinitely!

    I got paid yesterday so money has been allocated to where it needs to go and here are my most up to date balances:

    Current Debt / Debt at first DFW post

    Overdraft 1 950 / 1950
    Overdraft 2 83 / 450
    Loan 472.29 / 770
    Santander CC 2744.45 / 2770.90
    Very BNPL 263.98 / 288.98
    Capital One (1) 0 / 404.25
    Capital One (2) 0 / 179
    Barclaycard 0 / 390

    Total Debt 4513.72 / 7203.13

    If anyone is interested in my short journey so far it can be found here: http://forums.moneysavingexpert.com/showthread.php?t=5690629#topofpage
    Last edited by lonelyrat; 01-05-2018 at 9:19 AM. Reason: Edited to make less lengthy
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
Page 13
    • lonelyrat
    • By lonelyrat 15th May 18, 8:41 PM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    Yeah Silver QueenI'm starting to lose my cool a bit though

    13,306 steps today. Was about 7,000 to/ from the station and work which is OK. Made OH come with me to take the dog a walk when I got home and he couldn't keep up with us Am feeling a lot fitter which is really nice... I knew I was unfit before but really hadn't clocked by how much. Am taking the stairs at the train station and at work as well and I think that's helping a wee bit too.

    Did not take the dresses to the post office but will do this on my walk tomorrow morning. Sun stopped shining by the time I was out of work as well so no lounging happened (). Fingers firmly crossed for tomorrow.
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • onedaysomeday
    • By onedaysomeday 16th May 18, 8:08 AM
    • 418 Posts
    • 619 Thanks
    onedaysomeday
    Hope you get some sunshine today! I put my sunglasses on to leave the house this morning and realised I was being slightly optimistic as its grey and windy and horrible today

    Glad you are feeling fitter!
    Debt paid 1780.76 / 7180.59 (24%)
    CAR SERVICE CHALLENGE: 21/154 BY 5/6/18 (13.5 %)
    EMERGENCY FUND: 0 SAVINGS POTS: 0
    • lonelyrat
    • By lonelyrat 16th May 18, 9:00 AM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    It looks pretty sunny! I've made that mistake with sunglasses many times haha!

    Just put my suncream on then going to go on my walk. Sorted the ASOS and New Look parcels so have put them in OH's rucksack which I will borrow.
    OH came to bed at half 7 this morning... I'd already been up and had my breakfast by the time he came in. Don't really know what to do to try to help. I'm finding it a bit frustrating that even though I've stopped drinking I'm still having to spend money on booze for him almost every night. I've decided when I get paid (maybe tomorrow?!) to just withdraw some cash and give it to him. Then it's up to him what he spends it on and if he runs out, he runs out.

    Rant over
    Last edited by lonelyrat; 16-05-2018 at 9:02 AM.
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • onedaysomeday
    • By onedaysomeday 16th May 18, 11:07 AM
    • 418 Posts
    • 619 Thanks
    onedaysomeday
    You're kinder than me I'd be having stern words if I was going to bed and waking up by myself and paying for his booze
    Debt paid 1780.76 / 7180.59 (24%)
    CAR SERVICE CHALLENGE: 21/154 BY 5/6/18 (13.5 %)
    EMERGENCY FUND: 0 SAVINGS POTS: 0
    • Silver Queen
    • By Silver Queen 16th May 18, 1:30 PM
    • 376 Posts
    • 1,773 Thanks
    Silver Queen
    I would definitely be having very stern words with him if I were you... I know he's letting off steam from uni but there is a limit and I would make it known that you won't be subsidising him anymore. You need to nip it in the bud!
    Debt Totals May 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 10,250 500 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 16th May 18, 9:19 PM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    Haha Onedaysomeday/ Silver Queen words have been had but they weren't necessarily "stern" I don't do stern very well it seems! He's not drinking for a week which makes me happy. I think it would improve his mood a lot and hopefully he'll feel motivated to start looking for jobs.

    Had a lovely day. Did my 10,000 steps when taking the parcels to the post office then came home and went and sat outside with OH's parents (while he slept ). Was nice hanging out with them and then OH's sister came over with his niece and their dog. When OH finally woke up we went another walk with the doggo so managed another 4,500 steps. Felt it was needed as I ate more chocolate than I had planned today May have gone slightly over my 1260 calorie goal... Will have a better day tomorrow.

    Potentially getting paid tomorrow so will join up to the gym and make a payment to the Santander card. Excited for both those things Not so excited about work though

    92 days
    Last edited by lonelyrat; 16-05-2018 at 9:23 PM.
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • lonelyrat
    • By lonelyrat 17th May 18, 7:41 AM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    Payday! Balances?

    Santander CC 450
    Virgin CC 675
    Total Debt 1125 / 7266.93

    Getting there! Will update my signature later... Am going to walk to the train now. But at the risk of being late I wanted to make payments and update on here

    Have a nice day everyone

    91 days
    Last edited by lonelyrat; 17-05-2018 at 8:01 PM.
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • Rachel24
    • By Rachel24 17th May 18, 7:58 AM
    • 160 Posts
    • 558 Thanks
    Rachel24
    Sorry lonelyrat I agree with the other 2. There is no way I'd be putting up with it. Especially as your having to buy him booze and you're trying to pay off debt at the same time. That's good he's not going to drink for a week, hopefully he'll stop after that. You are doing so well and not long left before debt free yay!
    • Lucifa73
    • By Lucifa73 17th May 18, 2:40 PM
    • 7,318 Posts
    • 9,158 Thanks
    Lucifa73
    You are a SAINT! Pretty sure I wouldn't be subsidising OHs drinking and weird sleep schedule if he's not even looking for a job yet! I get that he was winding down from the stress of finals etc, but that was a month or so ago wasn't it? I would've had more than 'stern' words by now! But then I can be a bit hard-nosed apparently (aka total biatch)


    Great stuff on the walking and weight loss. I am still ploughing through Insanity - 3 weeks to go - and considering whether I am ready for the Max 30 workout once I'm done!
    Don't give in; Don't you dare quit so easy
    Give all; That you got on the soul
    Don't say
    That you want it forever
    I know, I know
    Snow Patrol. 'Don't give in'. 21.3.18
    • Silver Queen
    • By Silver Queen 17th May 18, 4:06 PM
    • 376 Posts
    • 1,773 Thanks
    Silver Queen
    I am a total b!tch as well to be honest my OH was briefly unemployed when we first got together and within two weeks I'd whipped him into shape and made him get a job. I think it can be hard to be firm with them especially when you're not married i.e. are 'just' BF and GF but think about how much better it will be for him and his own career prospects etc once he gets a job, let alone how much easier it will be for both of you money wise!
    Debt Totals May 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 10,250 500 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 17th May 18, 4:19 PM
    • 418 Posts
    • 619 Thanks
    onedaysomeday
    I'm in the b!tch club too
    Debt paid 1780.76 / 7180.59 (24%)
    CAR SERVICE CHALLENGE: 21/154 BY 5/6/18 (13.5 %)
    EMERGENCY FUND: 0 SAVINGS POTS: 0
    • lonelyrat
    • By lonelyrat 17th May 18, 8:47 PM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    Hi Rachel24 - I'm so useless I haven't checked in on your diary in ages. I'm very absentminded Forgive me! Will have a nosey once I'm done writing this.

    I do agree with everyone... My foot needs to firmly be put down. Happy that he's off booze for this week at least and am hoping a few days with a clear head will make him think twice about drinking again. I am going to be firm though if he does decide to drink. Just going to take out a certain amount of cash and say that's his lot. If he spends it all he spends it all - not my problem! (I'm a pretty passive aggressive bit** aren't i?! happy to be part of this club haha!)

    I'm off tomorrow so going to have a look at his CV with him. His dad works as a nurse in the hospital near us and apparently they're hiring porters and it pays pretty well. Was thinking he could maybe go for that for the time being until he figures out what he actually wants to do.

    Work was meh today, everyone was excited at getting paid and I was a wee bit jealous of their full time wage... My 714 won't get me very far Needed to remind myself that I chose this for a reason and I'm feeling in a good headspace. Wouldn't have the energy to focus on my health (mental and physical) if I was still full time at the moment.

    Very, very sunny here again today so got of the train 2 stops early and walked home in the sun. Did 10,097 steps... So only just made it over! Will make up for it tomorrow and try and go on a longer walk. Went with OH's niece to her riding lesson which was fun... She was trotting and trying to get the hang of moving in time with the horse. Was very cute indeed!

    Got a new water bottle for work and the gym (joining Monday!) at Tesco today but filled it up and there's a cap bit missing from it so it leaks everywhere. Will attempt to take it back tomorrow but I chucked away the receipt They probably won't exchange it for me, but I will try and be brave enough to ask anyway.

    Off tomorrow and Saturday which I'm very happy about. Going to be warm and sunny again so will endeavour to be outside as much as possible. Will aim for a long walk and try and sort through some washing. We have a pool in the back garden (which I bought two years ago in a fit of sheer madness - Scottish summer is never long/ good enough to justify a pool!) which needs a clean. OH started it the other day but didn't finish it so hopefully I can persuade him to finish it tomorrow and start filling it up.

    Saturday will be weigh in day so will take the train in to town (won't cost anything as I have my season ticket) and go to Boots. Will also pick up my toner and moisturiser while I'm there as they're doing a 3 for 2 offer. Can't decide what I should get two of though... Probably moisturiser. I've made a new spreadsheet for stuff (skin care/ vitamins/ shampoo and bodywash etc) with columns for prices, date last bought and date finished. SO each time I get something I will note the date and see how long it lasts. Hope this will help inform my budget when I'm debt free as currently my budget is basically throw as much as I can at the debt and hope for the best for the rest of the month. Not exactly sustainable or wise

    It will be a tight month this month, but then again it always is! Am thinking with me off the booze and OH off it for at least a little while I should have enough of my food/ drink money to make an extra payment to the Santander card. We shall see
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • lonelyrat
    • By lonelyrat 18th May 18, 7:26 AM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    Went to sleep with a headache last night and woke up with one today am going to have breakfast then go hunting for paracetemol!

    90 days
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • onedaysomeday
    • By onedaysomeday 18th May 18, 9:05 AM
    • 418 Posts
    • 619 Thanks
    onedaysomeday
    Hopefully they will just exchange the water bottle for you!

    Yay for having a pool you can put in the back garden - hopefully you get some use from it this weekend!

    Love the idea of the spreadsheet
    Debt paid 1780.76 / 7180.59 (24%)
    CAR SERVICE CHALLENGE: 21/154 BY 5/6/18 (13.5 %)
    EMERGENCY FUND: 0 SAVINGS POTS: 0
    • lonelyrat
    • By lonelyrat 18th May 18, 2:16 PM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    Yeah am quite excited for the pool now! Definitely hadn't discovered MSE when I originally bought it haha OH still sleeping but will wake him up at 2.30 and ask him to sort cleaning it. The cover for it got damaged so going to see if B and Q have a tarp we can peg over it.

    Done 2 loads of washing and pegged them out Just love washing on the line Have just put my trainers in the wash as they are bogging so hopefully they'll look lovely and shiny when I get them out.

    Went for a walk this morning so have managed my ten thousand. May see if OH wants to go to the Loch with the doggo later on if the weather holds. It's quite warm but not as sunny as I would like. Have checked the weather for tomorrow though and looks like it'll be in the 20's and sunny. Deffo pool weather
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • onedaysomeday
    • By onedaysomeday 18th May 18, 2:35 PM
    • 418 Posts
    • 619 Thanks
    onedaysomeday
    Fingers crossed by now your pool is being cleaned very envious, the closest I get to that is an outdoors public pool but they're always so busy and noisy!

    Well done for hitting 10,000 already! My car is at home as OH collected me last night and drove down this morning so will be walking home & hopefully hitting 10,000!

    Loch sounds lovely & hope weather stays nice for you
    Debt paid 1780.76 / 7180.59 (24%)
    CAR SERVICE CHALLENGE: 21/154 BY 5/6/18 (13.5 %)
    EMERGENCY FUND: 0 SAVINGS POTS: 0
    • lonelyrat
    • By lonelyrat 19th May 18, 6:51 AM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    It was quite cloudy but still warm! OH did come to the loch with me with the doggo which was lovely. She just loves puddles though, she's an absolute menace! Every puddle she sees (no matter how small) she needs to roll in. Very messy! Was doing quite well to shout her over whenever she started making a beeline but wanted to show OH something on my phone. As soon as we were distracted it was like she sensed weakness and ran straight for a muddy puddle. She was bogging! Backseat of the car is now less than clean Will need to give it a once over later today!

    OH did not sort the pool yesterday (my fault though as I was too keen for another walk - ended the day on 14,567 ). I'm heading in to town today about half 7/ 8ish and he has agreed to get up when I go and sort it. Then when I come back we'll jump to B and Q and see if we can get a tarp/ pegs.
    Will not be an NSD as need to get a few bits from Boots, pay for the weight machine ( fingers crossed for me!) and then spend in B and Q. Was also going to walk to B and Q from the train station via Asda and print out the photos for OH's birthday gift.

    89 days
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • lonelyrat
    • By lonelyrat 19th May 18, 8:31 AM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    So I was potentially too keen to get going today... Shopping centre that Boots is in doesn't open until 9 Have just gone into a supermarket and got a bottle of water and am now sitting outside in the sun. Not the end of the world
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • lonelyrat
    • By lonelyrat 19th May 18, 6:44 PM
    • 272 Posts
    • 673 Thanks
    lonelyrat
    Lost 2.2 kg. So I've lost just over a stone in total which feels nice. Just another 2 or 3 to go Need to keep motivated... Did 14,894 steps today and will aim for ten again tomorrow.

    Got what I needed in Boots so am set for skincare for the foreseeable future. Cut my hair this evening as well - now 4 inches shorter. Am still wanting to chop it all off but will save that for in a few months time.

    OH sorted the pool, hallelujah! Went to Argos as well and got some chlorine and other stuff for it to try and keep it clean. Didn't actually go in the pool today though by the time OH was done it was quite cloudy but have popped the tarp on and will go in next time it's sunny/ warm.

    Do not want to go to work tomorrow. I'm not sure why but I'm full of dread about it. I had a cry in the shower earlier and I'm not sure why exactly. I do feel quite positive and happy about the changes I'm making to myself/ my life so no idea where the tears came from.

    Chin up
    Total Debt: 1125 / 7266.93
    Outstanding Debt: Santander CC 450 - Virgin CC 675
    Weight Loss: 7.1kg/ 38kg
    • onedaysomeday
    • By onedaysomeday 21st May 18, 3:55 PM
    • 418 Posts
    • 619 Thanks
    onedaysomeday
    Wow massive congrats on the stone weight loss
    Debt paid 1780.76 / 7180.59 (24%)
    CAR SERVICE CHALLENGE: 21/154 BY 5/6/18 (13.5 %)
    EMERGENCY FUND: 0 SAVINGS POTS: 0
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