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  • FIRST POST
    • lonelyrat
    • By lonelyrat 18th Oct 17, 7:48 PM
    • 374Posts
    • 902Thanks
    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 : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
Page 2
    • lonelyrat
    • By lonelyrat 24th Nov 17, 10:07 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    I'd really love a holiday so maybe that's something I can aim towards... Be debt free by summer and get a cheeky autumnal weekend away?! Or maybe I'm being too optimistic? A girl can dream though!
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 29th Nov 17, 9:35 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    New bed has arrived and I am in heaven! I never want to leave (but in a good way for once)! It's firm and wonderful and our new duvet we got is lovely and cosy. Got some cheap candles from Tesco and the new room looks very inviting Also I noticed walking from the train station to work today that my back didn't hurt and I can't remember the last time it didn't! Best (early) Christmas present ever!

    Balances are unchanged. Sorted my Christmas gift for OH now though which feels good. Available balance for spends is dwindling so fingers crossed for no unexpected costs until payday on the 18th. Not likely considering my recent track record!

    Shifts for Christmas got posted today and I'm off the 25th, 26th AND 27th which is really very lucky. There has been communication about potentially having to work boxing day though as the company didn't have enough volunteers for it *eek* ideally I don't get scheduled in. Technically shifts shouldn't change when posted, but it's happened to me before.

    I've got £50 pending on pay pal from a sale I made on eBay so waiting for that to clear and I'll have about £160 coming in from my OH when he gets his student loan as I've subbed him some this month so that's going straight to OD1.

    Virgin card arrived - requested the balance transfer from the Santander CC and then me and OH had a ceremonial card cutting. We recently cut up his CC's and my cards for the current accounts with the Overdrafts so we have a fairly large pile of coloured plastic lying around. It would make a good mural.

    OH has recently got on board more with the debt busting he's been keen to help me as much as possible but hasn't considered his own debt situation so much. I've created a sheet for him on my Excel document and i'm going to help him try and get organised. He very much buries his head in the sand with money things and if he doesn't understand something he just ignores it. Not ideal but together we will bust his debt too! Thankfully his is A LOT smaller than mine - £1200 . I snowballed him and we have a solid plan of action. This is helping me to feel more positive as well. Obviously I want to clear my own debt, but I also want us to move forward together debt free and him taking more of an active interest in sorting everything else out makes the future seem brighter

    Nothing much else to report. Plodding along... always plodding along!
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • 117pauline
    • By 117pauline 6th Dec 17, 8:00 PM
    • 656 Posts
    • 7,314 Thanks
    117pauline
    Hi lonely rat

    Sorry I haven't popped in recently but glad to hear your OH is now on board and even better to get the time off over Christmas.

    You don't realise just how bad a mattress is until you get a new one.
    Hope the Christmas plans are going well
    Take care
    Pauline

    My birds and squirrel are outside friends. They give pleasure every day
    Don't get it perfect - Get it going
    Better Than Before
    • lonelyrat
    • By lonelyrat 8th Jan 18, 10:58 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    2018!
    Hello again!

    Another fail on keeping this updated eh? Oh wellÖ Maybe I should make it a resolution to post more? Probably best not to though as my track record isn't greatÖ

    Hope everyone had a lovely Christmas

    Iíve still been slogging awayÖ slowly bringing my overall balance down. Overdraft 1 has now been paid off fully - which is a massive relief! Got a letter from RBS saying that the they were going to start charging interest on it as of the 6th of Feb so it feels pretty good to already have cleared it. All my debt now (bar the loan) is interest free which makes things easier. The loan has three more payments then itís done thankfully! Never again!Ö itíll make a difference having an extra £100 a month not already committed to something.

    This month will be my first month with a lower pay after going part time. I did some overtime in December though so this should be added on. Been checking at work and currently they're not offering any which is a bit of a blow Every other month itís been available but now it seems thereís finally enough staff. Fingers crossed this changes as I had hoped to bag a healthy amount of OT every week.

    Until I know what my wage will be next month my plans for payments are a guesstimate. So far Iím tentatively thinking:

    £100 Santander CC
    £100 Very account
    £102.81 RBS Loan
    £25 Virgin CC

    If I do have spare money itís going to go to the Santander card as the interest free period runs out the soonest - September.

    Iím also going to put £150 in Savings as the emergency fund has never really taken off (£12.80 in it currently). Now that everything's on zero interest I think this would be the best.

    Seeing the Santander balance be under £2000 will feel like a positive step. Iíll get another bonus payment in March which should be £400 - £500 so that will be going straight to the Santander card.

    My work offer a season ticket loan so Iíve taken that out for a six month rail ticket. I do pay the same monthly but it comes direct from my wage which means one less thing to have to worry about/buy which is always good.

    Balances:
    Current Debt / Debt at first DFW post

    Loan £289.28 / £770 (nearlyÖ nearly!)
    Santander CC £2000 / £2770.90
    Very BNPL £250 / £288.98
    Virgin CC £800/700 **
    -------------------------------------------------------
    Overdraft 1 £0 / £1950
    Overdraft 2 £0 / £450
    Capital One (1) £0 / £404.25
    Capital One (2) £0 / £179
    Barclaycard £0 / £390

    Total Debt £3339.28/ 7203.13

    ** This jumped up as I booked a holiday (not very MSE I know...) I put everything on the card but paid the majority of it off at the same time. This extra £100 is the remained of the flights. This is the reason for the £150 a month going to savings as wellÖ I want to sort out spending money before we go. Itís been two years since I last left the UK so I actually canít wait. I booked up Copenhagen for our anniversary in March - I haven't told OH yet and donít plan on telling him till weíre almost at the airport. Weíre flying from Edinburgh and I have family there so Iím going to tell him weíre going to stay with them for a few days (hence the need for a suitcase). Only issue is getting his passport from him without arousing suspicion! Any tips fully welcome! **

    If I make the payments I plan next month then the debt should be hovering just over £3000. Iíve set myself little mini targets to meet as well as I found paying off the smaller CCís a lot more satisfying. Seeing a balance drop down to nothing was motivation to keep going but with the Santander card it just seems so massive. The plan is to pay £300 in feb so thatíll bring the total down to £1600. If possible Iím going to see if I can make another £100 somehow so itíll be at £1500. I donít really have anything to sell but Iíll do my best!

    OHís debt repayment is going OK as well. Heís got less coming in than me (£700ish) but Iím now allocating where the money goes so itís more effective. Heís a bit scatterbrained sometimes and didnít always leave the funds in his account for ddís so he was getting charged left, right and centre I got him to cancel the ddís so now he just pays a certain amount into our joint account and I make manual bill payments to the ccís for him. Itís working a lot better and gives me something else to focus on which I quite like. It takes the stress off as well as before I was always worried about the state of his account/cards and now I know everything is ticking along nicely. Iíve got him to withdraw his spending money in cash as well (and just leave £25 in his bank account for bits and bobs) and thatís working a lot better. Iím going to start doing it too as it is so much easier to manage physical money I thinkÖ It just seems more real when youíre spending so I feel like I question what it is Iím actually buying.

    My New Year hasnít gone as well as I would have likedÖ I was planning on dieting and cutting booze out for January but Iíve already had a slip up on that front. Had a bottle of wine last night which was fun at the time but I paid for it today. I just get so, so hungover and then work is a nightmare. It needs to stop!

    Iím going to need to work out some kind of pattern as well for eating as my shifts now mean I finish at 1 or 2 pm. Itís lunch time but if I go home I just end up snacking then snack all evening as well. I think I need to have one set lunch I eat when I get home then have an early dinner as well. I read someone elses post about the Savvy Shoppers Cookbook so Iíve gone and bought that and Iím going to be converting all my shops to Aldi now Thereís one right next to the train station I get off at when I come back from work so it should be ideal really. When I get paid Iíll need to stock up on some stuff but after that Iím going to record my food spend diligently and see how it goes. Food and booze is what I end up frittering my money away to the most so I really need to make some changes.

    I am feeling very motivated at the moment. Me and OH had a bit of a pregnancy scare before New Year and it made me think long and hard about our situation. Iíve gone a bit baby mad (friends in work all seem to have fallen pregnant at the same time so thereís a lot of baby talk!) but thereís no way I could justify bringing a baby into the world with this level of debt / no assets / no place of our own. Itís something both of us do want going forward so the sooner we sort the debt the better. Once itís gone itís all about saving and getting a place of our own.

    I now have a debt free day in my mind: 19.07.18

    That will be 12 months since I made my trusty spreadsheet and started this journey. It doesnít seem that long in the grand scheme of things and I think if I keep thinking about this date (and how close it is) it will make the hard days easier.

    Very will be paid in March.
    Loan will be paid in March.
    Santander CC will be paid in May.
    Virgin CC will be paid in July.

    Let's do this
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 9th Jan 18, 6:51 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    Off work today and haven't done anything productive so feeling a bit useless... not a NSD as well as I bought baked beans. On my days off I think I need to come up with plans as if I end up just lazing in bed watching stuff I always feel really dejected at the end of the day.

    Working tomorrow but finish at 2 so the plans for tomorrow are:
    1. Go to boots in town when I finish
    2. 30 minute walk after work
    3. Do the (very neglected) pile of laundry and organise closet/ drawers
    4. Hoover
    5. Meal plan for the week after I get paid (try and budget what it should cost)
    6. Take something to an Amazon locker to return (never done this before... not really sure how?)

    Fingers crossed there's some overtime been posted as well as I really need to do some otherwise next months wage will be too low. I've got a monthly meeting with my manager as well so need to go in early to prep for that. I don't start till 9 which isn't great as the commute is really busy. Ideally there's overtime posted and I can just start at 7 for the foreseeable future. I can dream

    Plans for this evening only include having a shower - it's so cold though the idea of getting out of my duvet isn't appealing.

    I've got £18 (excluding my sad little savings pot) to last till payday which is in 8 days which is very doable. I've got a freezer full of food which I need to work through. I need to go through it and take stock of what I actually have as I don't have a clue at this point! Maybe i'll add that to tomorrows plans as well
    Last edited by lonelyrat; 09-01-2018 at 6:55 PM.
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 10th Jan 18, 10:39 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    OK... not the best day. All I did was go to boots. The rest of my to do list didn't get done unfortunately.

    Work was fine. No overtime posted yet. My £18 is now £16.

    I made lemon curd fairy cakes this evening which are actually quite tasty. I'm not very culinary but I'm trying. I'm racking my brain trying to remember a sweet treat my Mum and I used to make when I was younger... I'm sure it involved lemon curd and fairy cake but it's not what I've made. It may have involved pastry but I'm not sure. I've spoke to my dad to see if he can remember what it was but he can't either. It's been plaguing me for months now and I'm really disappointed in myself for not remembering. My mum was an amazing cook and baker and I'm just useless... Makes me feel like a right failure! Oh well...

    Off work tomorrow so will aim to do all the tasks I failed to do today. Tomorrow will be better.
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 11th Jan 18, 5:21 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    TODAY:
    1. Return Amazon parcel to Amazon Locker
    2. Laundry
    3. Wash dishes
    4. Organise closet/ drawers
    5. Hoover (will try and rope OH into doing this)
    6. Meal plan for the week after I get paid and try and budget what it should cost
    7. Buy nail varnish remover (will do this when I return the Amazon parcel as there is a locker next to Morrisons).
    8. Go through freezer/ fridge/ cupboards
    9. Shower and dry hair

    Made a list of everything in the cupboards/ freezer. Basically I have enough food to feed a small village for a month. OK, slight exaggeration there but I do have a lot. I have a lot of quorn chicken so I plan to use most of that up. Based on what I have we'll mostly be eating stir frys / fajitas for the immediate future. I was going to use my new cookbook and plan meals for when I get paid next week but I think instead I'll try and use up as much food I have in the freezer as possible. This month is going to veeeeery tight money-wise I think (still don't know what I'll be paid so not sure how bad it's going to be yet) so the less I buy the better.

    I think I will buy some frozen veg when in Morrisons - carrots, onions and peppers. These will bulk meals up a bit. I have £10.60 in my purse which I hadn't included in how much money I have left so if I can use some of that, then my £16 will remain £16 which would be ideal.
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 11th Jan 18, 5:33 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    My £16 is actually not £16 now.. It's down to £12 as I just noticed I had some cashback paid onto my credit card and it made the balance look funny. I have a weird thing about balances being in multiples of 5. Can't wait till the loan is gone then everything will be in nice round numbers. I do the same with my spending account... Anything that isn't a nice number gets taken off and fired into a savings account and I don't look at that balance! I'm a nut job.

    The balance after the small payment on the card is £1490 - this isn't real though as I put the £500 I got from work for my rail season ticket on the card and I haven't bought the ticket yet. Even though the balance isn't a true reflection of my debt it still feels good seeing it that low. Going to use it as motivation for it to actually be the case!
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • 117pauline
    • By 117pauline 11th Jan 18, 10:17 PM
    • 656 Posts
    • 7,314 Thanks
    117pauline
    Late again checking in.... happy New year

    It sounds as though you are doing fine. Don't forget there is a funny lull in January when nothing seems worth the effort.

    I understand about multiples of five look so much better on a statement. Also it might reduce your debt a teensy bit.

    Personally I would plan to use up what you have and then buy what you need as you go. That way you will know exactly what you have and then you can replace it.

    You know you don't have to re-invent menu plans each month. Once you have eaten down your stores, you can spreadsheet your menu plans so you can keep using the bits that work well.

    Regarding finishing at 2.. what I would do is take a healthy sandwich to work with you and eat it when you finish work. Then you will avoid that awful over-hungry feeling you can get which leads to over-eating and over-spending.

    How did your meeting with your manager go? And also how is poorly rat?

    Take care honey,
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • lonelyrat
    • By lonelyrat 11th Jan 18, 11:18 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    TODAY:
    1. Return Amazon parcel to Amazon Locker
    TRIED to return the parcel.... Unfortunately the locker wasn't playing ball. I scanned the barcode on the returns label but it didn't recognise it and said my return wasn't registered. I tried manually putting in the code but no joy. Eventually I got cold and decided to give up! Got home and did a chat with Amazon to get some help and the guy just gave me a refund and said not to bother returning it. Free things!
    2. Laundry
    3. Wash dishes
    Feeling pretty guilty - OH's dad came home from work and asked where his curry was... I scraped it in the bin when I was tidying! In my defence it was an uncovered half plate of curry sitting next to the sink and I was trying to be helpful by doing the dishes I will need to get him a replacement at some point.
    4. Organise closet/ drawers
    Not done - I've run out of steam so will do this tomorrow.
    5. Hoover (will try and rope OH into doing this)
    Not done - will try and rope OH into doing this tomorrow
    6. Meal plan for the week after I get paid and try and budget what it should cost
    Done and done!
    Tomorrow: Quorn chicken, pepper and onion fajitas (FREE)
    Saturday: Quorn chicken, brocolli, onion and pepper stir fry (FREE)
    Sunday: Steak, brussels and roasties (will get OH to make the roasties as his are v. good) (FREE)
    Monday: Quorn chicken, sage and onion stuffing balls, carrots, leeks and veggie gravy (FREE)
    Tuesday: Repeat Saturday (FREE)
    Wednesday: Repeat tomorrow (FREE)
    Thursday: Steak, onion, baby potatoes (FREE)
    I did buy veg today (carrots, peppers, onions)... but means I don't spend during the week right? Had to buy some olive oil as well which was pricy so it totalled £6.20 BUT the veg is frozen so should last. Everything else I already have so I'm going to attempt to have a No Spend Week if that's a thing.
    7. Buy nail varnish remover (will do this when I return the Amazon parcel as there is a locker next to Morrisons).
    Didn't need to buy this as OH's mum had some
    8. Go through freezer/ fridge/ cupboards
    9. Shower and dry hair
    Will let hair air dry and get OH to braid before bed.

    I've now also laid out my clothese for tomorrow, set my alarm and am going to settle down with a show on netflix then ideally fall asleep quickly. Got a good day at work tomorrow - I finish an hour early. I'm silly and I got my times wrong on Monday and came in at 8 rather than 9 so they want me to take an early finish tomorrow. I wish they would have just paid me for the extra hour but unfortunately not. Will be nice getting away even earlier though.

    Plans for tomorrow:
    1. 30 minute walk after work
    2. Organise closet/ drawers
    3. Hoover
    4. Paint nails
    5. Clean ratties cages
    6. Make little party hat for birthday rat (have everything I need to do this already so no spends)

    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 14th Jan 18, 2:28 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    Hi Pauline - thanks for checking in. Iíll go have a wee snoop on your diary now too.

    Donít ever worry about lateness - considering Iím usually so sporadic there usually isnít much to check in on. I am really trying to keep this more updated now. Writing down my goals for the day (financial or otherwise) is very useful and is perhaps motivating me to post more I think. I used to have a wee notepad Iíd jot down what my plans for the next day were before I went to sleepÖ Somehow through the years Iíve gotten out of that habit and just sort of bob along so Iíd like to get back to it.

    Oft, I am 100% feeling the January lull. I know my wage wonít stretch very far this month and itís worrying me quite a bit. Also still no overtime posted at work so likely going to be the same next month

    Thatís a good idea with the meal plans. I will use it going forwardÖ I definitely do love a spreadsheet. I am trying to be more culinary and creative and make food from scratch. I usually used to just buy chicken nuggets and the sort (not very nutritious I know) but I am making an effort. For New Years day I made my first homemade Steak and Ale pie for me, OH and his parents. It was a lot of fun and turned out really well, for a first attempt anyway.

    I am currently just using up everything in the freezer and stores and will do until everything runs out. I like the idea of a sandwich for after work as well. I do well with routine so maybe I could always make my sandwich the night before and then eat it on the train home. Then no snacking until I make dinner. I think that would work as for me it seems when I get home Iím so hungry I just eat anything and then once Iíve started I canít really stop.

    Meeting with manager was fine. We have monthly performance meetings to discuss the previous month. All went well and Iím on target for all KPIís which is always good. Iím guaranteed my bonus in March but Iím not sure of the amount yet, probably wonít find that out until the end of Feb. Last time it was just over £650 but now Iíve gone part time I think it will be reduced. But, having said that, I did perform better last review period than the previous one so who knows? Iíve put in £300 on my spreadsheet just to be safe as I would always rather plan for the worst and then have a nice surprise.

    Oh the rattiesÖ Itís not going so great. Iím a bit weepy and broke down yesterday. The lady rat who has the mammary tumour is doing OK. The plan of action was to monitor and then decided if it started to impact her quality of life to either have surgery of have her put to sleep. Sheís still leaping around and having a great time but the lumps gotten quite big now and is starting to annoy her so weíd decided that this coming Monday we would take her to the vet for a check up/ ask their opinion and ideally schedule surgery - which is all fineÖ.

    Unfortunately other lady rat (Lonelyrat - my namesake) has been acting a bit funny. Sheís just been slower and seems to have trouble balancing. From her symptoms I think itís a pituitary tumour which isnít curable. Weíre now thinking she needs the vet so they can check and see if that is the case. If it is she will likely have to be PTS. I was sitting cuddling her yesterday and I just couldnít stop crying. Just thinking about it makes me weepy. I love all the ratties so much. They have their own individual personalities and stories and itís all just over far too soon. I feel a little heartbroken.

    Lonelyrat was never actually meant to be her name and we never actually meant to get her. We were in the pet shop getting rat food and she was there and she was all on her own. Rats are really social so they shouldnít be on their own really so we debated getting her but decided against it and were sure someone else would. A week later we went back and she was still there. A few days later we went back and she was still all on her lonesome. At that point I broke - I was like, ďLonely rat youíre coming with me!Ē She fit in with our other two ladies straight away and they all became pals. Sheís our youngest and we decided she would be our last. I really didnít expect her to be getting sick as sheís still so young. It's just rubbish

    Have shoogled around the spreadsheet a little for this month and the next few to deal with the cost of the vet. Iíve no idea how much everything will cost so Iíve reduced certain payments and will leave a spare £200 in one account as a buffer. From my spreadsheet it shouldnít really affect my Debt Free Date as long as Iím extra extra careful with my spending for the foreseeable future. Worst case scenario it may be pushed back a month which would be frustrating but not the end of the world.

    Bleugh. Today I feel crappy. I feel crappy that Iím in debt. I feel crappy that I may lose two of my babies. I feel crappy that Iíve done nothing with my day off. I feel crappy about my job.

    I need to stay positive. While today may be crappy, maybe tomorrow will be less so.
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 14th Jan 18, 2:38 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    Plans for today:
    1. 30 minute walk
    2. Research walking routes near where I live to see if there are any nice walks I can go on. I'm bored of walking around estates / through town.
    3. Organise closet/ drawers as I've still not done this
    4. Clean out makeup box
    5. Make dinner
    6. Make little party hat for birthday rat (have everything I need to do this already so no spends) Not done this but don't really feel in a party mood re: ratties.
    7. Shower

    Some of the things I put on here shouldn't really need to be on a to do list. Who needs to remind/ force themselves to make dinner or shower? Me - unfortunately. When I'm in a bad place I don't want to do anything other than stay in bed and sleep life away. Writing down things (even small things) makes me more likely to do them.
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • doingitanyway
    • By doingitanyway 14th Jan 18, 3:49 PM
    • 3,143 Posts
    • 16,493 Thanks
    doingitanyway
    Don't worry. Write the small things down. When I am down or overwhelmed I list everything I do as it motivates me. I can then look back and see at least I have done SOMETHING with my day
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • lonelyrat
    • By lonelyrat 16th Jan 18, 4:27 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    Thanks doingitanyway... I do find it helps me feel less useless! Sometimes I think I even need to write "get out of bed" but I feel that could be a step too far Not been particularly productive the last couple of days. Woke up to a winter wonderland outside today though - very snowy! Planning on going for a snowy walk soon if OH wakes up

    Today
    1. Snowy Walk
    2. Organise closet/ drawers as I've still not done this
    4. Laundry (wash AND sort when dry)
    5. Make little party hat for birthday rat (I think this will be off the cards indefinitely. I just can't bring myself to do it).
    6. Shower (OHs parents had a new shower fitted today... very excited to try it. The old one was more of a dribble than anything else and I have really long hair so was quite awkward washing it).
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 16th Jan 18, 5:57 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    Today
    1. Snowy Walk
    Was lovely Went out for about an hour. There's some fields and woodland near where we stay so we walked through them. Very, very freezy cold now after getting caught in what felt like a blizzard on the way back! Managed to get stuck in a field as well and had to walk for ages to find a gate to climb!
    2. Organise closet/ drawers as I've still not done this
    Finally! Feels good getting everything sorted. I can be quite messy sometimes so really need to stay on top of keeping things organised.
    4. Laundry (wash AND sort when dry)
    5. Make little party hat for birthday rat (I think this will be off the cards indefinitely. I just can't bring myself to do it).
    This just isn't going to happen.
    6. Shower

    OH currently making me eggy bread and I'm snuggled up in bed defrosting

    Plans for this evening are watch a film with some popcorn and have a couple of glasses of wine.

    Watched a film yesterday called "Hector". It follows a homeless mans journey from Scotland to London at Christmas time... It had some really sad moments in it and made me consider just how lucky I really am and made me want to do something more to give back. It made me consider my situation and how privileged it really is. My debt isn't crippling me anymore (although sometimes it still feels that way), I have a roof over my head, I have my OH and I don't have many outgoings thanks to OHs parents letting us stay at theirs. I am really, really very lucky and I wan't to do something productive with my newfound free time. Not sure what though - will need to have a think / Google.

    Potentially payday tomorrow - not so sure, it could be Thursday. Ideally it's tomorrow so I can get cracking making some payments. Small payments unfortunately this month but payments nonetheless. Will keep all the extra rat money in savings and then we'll see where we stand once they've both visited the vet. Maybe nothing will be too pricey but I'm prepared for the worst
    Last edited by lonelyrat; 17-01-2018 at 11:26 PM.
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 16th Jan 18, 9:38 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    Today was such a lovely day.

    Snowy walk was really good and felt nice to get out and about doing something other than going to work or the shops. I've just had a lovely shower so feeling very cosy. New showers got an adjustable head so I could make it really powerful which was great! Currently in my dressing gown in bed with a glass of wine researching how to make candles

    I noticed recently I spend far too much money on candles £2.50 at least a week usually (apart from towards payday when all spending stops!)... Not very MSE so I'm going to start making my own. I need a hobby as I feel like I spend a lot of my time just faffing about. I'm also thinking of starting to knit a big blanket now for OHs Christmas this year.I always start knitting when it begins getting cold but never end up finishing anything! Probably will take me almost the whole year to get it done

    My New Years resolutions were very limited: Drink more water and be Debt Free . But upon reflection I think I will add to them. I want to use my new free time well. I went part time to help my mental health but having free time and not doing much with it probably wont help much

    Going to spend this year learning new things and getting creative. I want to: make candles, knit the blanket, learn to cook well and maybe start painting again. May make myself a wee list!

    Just realised today was an NSD. I have so few of them ... it really needs to change. But feeling proud nonetheless
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • doingitanyway
    • By doingitanyway 17th Jan 18, 10:33 AM
    • 3,143 Posts
    • 16,493 Thanks
    doingitanyway
    Love a powerful, hot shower. One of life's pleasures
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • lonelyrat
    • By lonelyrat 17th Jan 18, 2:52 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    That's very true doingitanyway! It's beautiful outside today. Snow's still on the ground but got lovely blue skies so think I'm going to go another snowy walk and then have a roasty shower

    Feeling a bit worse for wear after my wine last night so very tempted to have a nap... hmmm.

    Not been paid yet so it must be tomorrow. I feel like all I do with my life is wait for payday to come around
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 17th Jan 18, 10:18 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    Got paid! Woohoo

    I only got £715... First part time wage and I'm already stressed out. I had budgeted for £700 this month though so an extra £15 to play with (lucky me!) My rail ticket payments already come off the wage as well so that's £93 I don't need to worry about.

    Transferred money to RBS to cover my loan payment and 52p of overdraft interest (this will be my last lot of overdraft interest - feels good). Two more loan payments after this then I'm FREE! Consolidation loans are silly.

    Put £200 in Monzo for groceries and misc. spending this month and put some money in a savings account for ratties vet visits. Bills money is sitting in my direct debit account prepped and ready to go.

    I think this is my favourite thing about getting paid... It's not so much having money again but being able to organise everything. I find it very satisfying. I'm such a nerd

    Once the dd's have gone out my new balances will be -

    Current Debt / Debt at first DFW post

    Loan £194.11 / £770
    Santander CC £2000 / £2770.90
    Very BNPL £150 / £288.98
    Virgin CC £775/700
    -------------------------------------------------------
    Total Debt £3119.11/ 7203.13

    Not a great reduction but it will have to do at the moment. Still no overtime posted so slightly worried next month will be the same... Fingers crossed though!

    Any spare money this month will go to the Santander CC. I had thought it was £2000 last month but got myself muddled. I think I got my calculations wrong I had paid the rail season ticket money to it so the balance wasn't a true reflection of my debt and I think I was confusing myself. Anyway just actually bought my rail ticket and made a payment to the card of £50 and we're sitting at £2000.

    I do have a spare £50 in my direct debit account (in case anyone takes the wrong amount) but if everything goes as it should I may transfer that to the credit card. We shall see!

    Feeling positive (as always when I've just been paid ) .. Just hope I can make it through the month without any emergencies as my spreadsheet leaves very little wiggle room!
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
    • lonelyrat
    • By lonelyrat 18th Jan 18, 4:01 PM
    • 374 Posts
    • 902 Thanks
    lonelyrat
    Today:
    1. Email HR with proof of rail ticket purchase
    2. Figure out my Clubcard (got the Tesco Pay+ app but never actually got a physical Clubcard so can't find the number anywhere so can't access the Clubcard app. I'm confused )
    3. Go to Hobbycraft
    3.1 See if it will be cheaper buying my wool there or on Amazon
    3.2 Buy felt tip pens
    4. Make steak and ale pie for dinner (Get OH to make roasties)
    5. Shower AND dry hair AND straighten hair

    Try not to go crazy spending all my limited money
    Total Debt : 625 / 7266.93
    Weight Loss: 16.9kg / 45kg
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