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  • FIRST POST
    • lonelyrat
    • By lonelyrat 18th Oct 17, 7:48 PM
    • 425Posts
    • 1,033Thanks
    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 : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
Page 8
    • lonelyrat
    • By lonelyrat 19th Mar 18, 6:44 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Rachel24 I work in a call centre for a bank... Sometimes the customers are really lovely but there's just quite a lot of getting shouted at for other people's mistakes. Got called "useless" then hung up on today... Suppose it's better than last week where I was called "f***ing useless" Hope your day wasn't too bad!!

    Made a little payment to the credit card today 3.30. I bought some french toast at work for breakfast (decided to treat myself as I had a long day with the overtime - 1.70) so just rounded the purchase down. May not get the card to 1000 but I will do my best. Although now I've written it down I feel a bit guilty about it... I'm too poor for french toast!

    Anyway cc now sitting at 1096.70 so onwards and downwards.

    Off work tomorrow so planning to do some laundry and then go hunting in the shed for things to sell. Am imagining I will find loads of great stuff and make loads of cash but I know this is not likely to be the case.

    I know I have a Tassimo coffee thing but I had wanted to keep that for when OH and I move into our own place. Thinking about it though it isn't really necessary. It's been sitting in the shed since we moved in with his parents and I haven't missed it so maybe it should just go. Also how likely is it we'll get our own place in the near future? Not very

    I've also got a polaroid camera and an old analogue one so I'll check prices on them and maybe try and sell them.

    89 days
    Last edited by lonelyrat; 19-03-2018 at 8:14 PM.
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • lonelyrat
    • By lonelyrat 20th Mar 18, 3:24 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Ok - So I've checked and the Tassimo is currently selling for over 100 in shops but only around 20 - 30 on Ebay. I'm going to try and sell it on Gumtree and I guess I'll price it at 35 and hope for the best.

    I've checked the Polaroid camera as well and I think I can sell it for 20 - 25. I might have to do that on eBay though as I don't think there'll be much interest locally.

    Checked prolific and I've got 10.55 there so fingers crossed for some more studies. If I can get to 20 then I can cash out and pay it off the Santander card.

    Paid 1.70 off the Santander card so it's now at 1095. Ideally I want to get it down to 1000 before next payday but I really don't think I have enough stuff to sell Will see how I get on.

    88 days
    Last edited by lonelyrat; 20-03-2018 at 3:30 PM.
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • onedaysomeday
    • By onedaysomeday 20th Mar 18, 4:18 PM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    Thought i'd pop over and say hi, have just read through!

    As well as the dentist we have similar views regarding wine, naps, once upon a time and greys anatomy

    Well done on everything so far x
    Just trying to make up for past mistakes and work towards the future I want
    • Silver Queen
    • By Silver Queen 22nd Mar 18, 4:42 PM
    • 465 Posts
    • 2,120 Thanks
    Silver Queen
    Hi lovely. How are you doing? Haven't posted in here a while so thought I'd pop in. Hope everything is going well on your end.
    Debt Totals September 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,250 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • Silver Queen
    • By Silver Queen 22nd Mar 18, 4:45 PM
    • 465 Posts
    • 2,120 Thanks
    Silver Queen
    Just had a quick read...Sorry to hear about Samwise it is tough isn't it but think about what a wonderful lovely life you gave him xxx

    Well done about the job interview! Hopefully good things will come of it!
    Debt Totals September 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,250 500 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 24th Mar 18, 6:07 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Hi onedaysomeday! All my favourite things! What good taste we have I started watching Station 19 yesterday. It's a new Shonda Rhimes show... It seems OKish, but nothing will ever replace Grey's for me! I read that Arizona and April will be leaving the show this season - I'm not too fussed about Arizona but I really have a soft spot for April and am quite concerned what they're going to do to her (I'm so lame).

    Silver Queen thanks for your thoughts about about Sam. It was just such a shock! He did definitely have a good life though, especially for a rat. He was my favourite and as a result he got treated like an actual king! I'm quite happy there's only one more left as I don't think my nerves can handle much more

    Not heard about the assessment centre... Someone was supposed to call with the details but I haven't heard anything and neither has the other guy in my team who applied for it. The lady who interviewed me was off on annual leave this week and someone else was supposed to get in touch so not sure if maybe there's been some crossed wires. We'll see what happens on Monday and if I haven't heard anything I'll give them a call.

    MSE wise things are fine... I'm trying to keep myself motivated by looking at flats for sale. Every time I want to buy something I look at flats instead, it's actually working quite well. I just want this whole debt business to be over already

    I do seem to be running out of spending money faster than last month somehow. This month I just took most of my spending money/ grocery money out in cash and am thinking maybe this isn't the best way to go for me. Paying by card I think I pay attention more to what I'm doing. I do seem to have an inordinate amount of coins now so will need to sit down and work out how much I actually do have. Am running quite low on spending money so will need to relax with the tesco trips a bit. I really do need to sort out meal plans! It's something that I always say I'm going to do and never end up sticking to.

    Off work tomorrow and OH will be working on dissertation all day (hopefully) so I may go out for a walk myself. Need to do laundry and also want to hoover. We have a really light grey carpet in our room and I swear it gets so messy so quick. I regret choosing a light colour as am far too lazy for all this hoovering. I am the least domestic of domestic goddesses

    84 days
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • lonelyrat
    • By lonelyrat 2nd Apr 18, 9:59 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Feeling shattered and a bit dejected today. I've felt really, really sad the last week or so. Unsure why but it's kind of all encompassing. Will get out of it but struggling to see any light or positivity at the moment.

    Not sure if it's related or not but I've spent money that I haven't budgeted and gone 50 into the HSBC overdraft. Not spent it on anything but food and booze so feeling pretty ashamed.... It's my first big, big slip up and it just feels crummy. I will sort it out when I get paid, I've already rejigged the spreadsheet so it isn't the end of the world but at the same time it does feel like it.

    In good MSE news Scotrail currently have some sort of promotion thing where if you have a smartcard and buy another ticket online they will give you 89. So today I got a single ticket for from one station to to the next and submitted the claim online. They give you the money direct onto your payment card not as a credit to your smartcard which is pretty cool. Will take the 50 I !!!!ed up off of that.

    Going to see my Dad on Sunday so that will be nice, maybe? We sometimes can have a strained relationship so in two minds about how it will go. I love seeing him but always feel like a bit of a disappointment. Will try and pull myself together for when the time comes. It will be good money wise as it will likely be 3-4 NSDs as we usually just read/ go on walks and watch films.

    Did some overtime today for the bank holiday and it's 2.5 x so should be an OK month wagewise.

    Unsure where I stand with the new job. Got an email about the assessment centre and it's scheduled for when I'm in England so will need to try and reschedule it. Was speaking to my friend about it again though in person and she really, really didn't like it. I know that what's not for her could be for me... But it's still got me a wee bit nervous.

    I also applied for another role. It's basically what I'm doing now but for our more "affluent" customers. Basically means it would almost be the same job but for a lot more money, because the customers have a lot more money. Would be an extra 3000/ 3500 a year but would be going back to fully flexible shifts again which would be difficult. But I could suck it up for a while maybe. Then I could really make inroads into saving a deposit once the debt is gone.

    I'm just all over the shop and don't really know what to do. Have been bouncing back and forth but will try and maybe make a pros and cons list and ask my dad for advice.

    Looking forward to maybe getting some good weather in the next few weeks. Been snowing heavily here again this evening and I can't hack much more of it! I need some sun and warmth in my life

    75 days
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • lonelyrat
    • By lonelyrat 2nd Apr 18, 10:13 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Ok - I'm sorry that was a really negative post. It isn't all doom and gloom. I feel that way in my head but logically it isn't.

    Thins I have to be positive about

    1. Things are still going well with the debt busting. My total debt will reduce come payday, even with my overdraft hiccup.
    2. My OH is lovely and kind and got my a lovely M&S Easter Egg yesterday and some roses. They egg was/ is very tasty and the flowers smell and look beautiful.
    3. Even if my relationship with my dad can be strained at least he is still here to have a relationship with. I am lucky.
    4. Having different job opportunities is good and there won't be a right or wrong answer.

    Chin up.
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • Silver Queen
    • By Silver Queen 13th Apr 18, 1:27 PM
    • 465 Posts
    • 2,120 Thanks
    Silver Queen
    Hi my dear, hope you're ok, it's hard when you just can't shake a bad mood. Hope you feel better now xx
    Debt Totals September 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,250 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • dustydigger
    • By dustydigger 13th Apr 18, 9:40 PM
    • 595 Posts
    • 2,010 Thanks
    dustydigger
    Hope everything is OK,LonelyRat. I think you are down into the 60s now.The days till freedom are shrinking,though it may seem a long time to you. Well done on all your efforts

    SPC 2018 # 012 -
    2 Savers 2018 #19 154 Tesc* Xmas Savers 25.85
    Icel@nd bonus card 16 House & Home Fund 2018 - 277 (plus 174 from 2017 = 451)
    weight loss :3/7lb AF Mar-Aug 178 days+ Sep 18/24 Books read Sep 9/12 Prolific 4.75

    • lonelyrat
    • By lonelyrat 13th Apr 18, 10:59 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Hello again! Sorry for the radio silence. Been a bit in my own head the last few weeks and I was just down visiting my dad for a few days in England there so have been off the grid

    He's keeping well and we had a nice visit, with no head butting about anything which was really lovely. I also didn't spend any money while gone (apart from an airport wine each way ) which was a big plus! Flights were good nerves wise, but both outbound and return were delayed which wasn't ideal.

    Finances as they stand at the moment are pretty low. I have 12.06 in my direct debit account and about 5 in change in my purse. The change should be good to tide me over until payday which may be either Tuesday or Wednesday next week. Even with the bank holiday shift and the overtime I don't think my takehome will have increased by more than 100. Will be able to check on Sunday when payslips are up.

    With regards to the job interviews.... I've withdrawn my application for both of them It really wasn't the right time. I was getting really anxious and yeah, just wasn't great. I feel a weight has been lifted from me since pulling out. I know it's not great money-wise but I went part time to try and focus on my health (mental AND physical) and I don't feel I'm there yet.

    New jobs are always being posted so the plan is to keep at what I'm doing and spend time focusing on my health then, when the time is right, apply for something else. OH will finish University in the next few weeks and in May probably start looking for a job. So that will take some pressure off my wage if he's successful. Even if he has trouble getting something I can support us on my current wage OK at a stretch (again, thanks to his parents letting us stay - honestly don't know what we'd do without them!)

    My dad mentioned that when OH starts looking for a job we should consider looking in England where he stays. Might be nice to have a change of scenery/ weather and give OH's parents a break! We'll see when the time comes.

    Thanks for checking in Silver Queen and Dusty, I really appreciate it. I am feeling better, it was just a little bit of a blip I think. Happens from time to time and sometimes it's harder to see the light. I've been off MSE for a bit (not even been lurking which isn't like me!) and haven't checked in on any diaries recently so that's my plan of action for tomorrow. Am off work so aim to have a productive day

    You're right Dusty! 64 days and counting... It's getting close!

    On that note I'm not sure if I may change my debt busting plan. I can clear it all in the time frame I aimed for, but it will be tight. I will definitely have the Santander card fully paid off in June BUT I think it may be a bit of a struggle with the Virgin card. I'm toying with the idea of potentially pushing the debt free day back by 2 months, then paying equal amounts off Virgin and into my regular saver to start building up my savings pot. Would mean I would have more of my wage left for unexpected things. This would mean my new debt free date would be 17th August... A whopping 126 days away!

    I'm really not decided as of yet. I do like the idea of being debt free in under a year, BUT I also like the idea of not being completely skint and mucking up (like with the overdraft this month) then feeling guilty.

    I swear my thoughts bounce around like I'm playing tennis!

    Finally got a response from Easyjet about the cancelled flight so have sent that off to the Insurance company and am just waiting to hear back. Should be a cool 265 coming at me in the next few weeks

    Feeling a bit poo as it's my time of the month and this month seems worse than normal. Was getting quite concerned as was actually late by 47 days. Really have no idea what happened and am thinking perhaps need to see a doctor. I'm usually quite regular so was strange when it never turned up. Took a fair few tests but they kept coming back negative so don't know if it was maybe stress related. Since I've been back I've been soliciting back rubs from OH on a regular basis so think he may wish I would go away again

    Anyway, that's enough of a ramble from me for now. Am feeling in a more positive headspace so will get back to lurking/ posting more regularly again.

    Plans for tomorrow:
    1. Go on walk
    2. Wash and sort laundry
    3. Read and edit OH's dissertation (he managed to get an extension, jammy !!!!!!?!)
    4. Sort out chest of drawers as is, once again, a mess
    5. Go to pet shop to get rat bedding and treats for remaining rat
    6. Message friend who lives abroad as have left her hanging for a few weeks
    7. Check in on diaries and update spreadsheet
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • coastalchick
    • By coastalchick 14th Apr 18, 8:05 AM
    • 291 Posts
    • 464 Thanks
    coastalchick
    Not read your whole diary yet but intend to. From what I've read you sound great and are doing really well! So subscribing. Hopefully will read whole thing over weekend. x
    • Silver Queen
    • By Silver Queen 14th Apr 18, 8:50 AM
    • 465 Posts
    • 2,120 Thanks
    Silver Queen
    Morning. Sometimes it is hard, you're right. Glad you had a good time with your dad though. If you didn't feel ready for a new job there's no point pushing it and making yourself feel worse.

    I think your money plan sounds good, I had a very similar train of thought recently and have decided to cut myself some slack too! The extra couple of months will be worth it if you think it will help you mentally.

    Have a good weekend!
    Debt Totals September 2018::
    350 Natwest Credit Card / Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 9,250 500 train ticket loan from parents / Now 0 (paid off 16/02/18) 2,000 Overdraft Now 0 (paid off 09/03/18)
    • dustydigger
    • By dustydigger 14th Apr 18, 9:52 AM
    • 595 Posts
    • 2,010 Thanks
    dustydigger
    Hi LonelyRat! The whole thing about MSE is balance in life,so your plans to reduce stress by extending your deadline sounds very sensible and beneficial to me. You know now that you CAN follow plans for your finances and have done extremely well,so easing the pressure will be good for you. There are folks on here who took as much as 11 years to get rid of their debts,so a few extra months is absolutely nothing.
    Remember you pretty much pulled your figures for repayment out of the air in a time of desperation,now you have knowledge and experience to make considered decisions. As long as the debt is going steadily down that is the main thing. A little extra money in your pocket to make you feel good will be a tonic,as you have the control now to not go overboard.Plans for finances are meant to be a help,not cause you more stress.
    Remember the Ninja Saving Turtles? Yes they advise putting the debt repayments prominently in your sights,but equally emphasize hobbies,and physical spiritual and mental health,mindfulness,working on relationships and gratitude for the good things we do have.All wise advice. Chin up,and soldier on.

    SPC 2018 # 012 -
    2 Savers 2018 #19 154 Tesc* Xmas Savers 25.85
    Icel@nd bonus card 16 House & Home Fund 2018 - 277 (plus 174 from 2017 = 451)
    weight loss :3/7lb AF Mar-Aug 178 days+ Sep 18/24 Books read Sep 9/12 Prolific 4.75

    • lonelyrat
    • By lonelyrat 16th Apr 18, 9:19 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Hello Coatstalchick thank you for reading my ramblings! I'd be impressed if you make it through without nodding off. Had a wee nosey at your most recent diary - congratulations on the wonderful news!!!!! I'm starting to get so broody it's quite ridiculous.... Am surprise my OH hasn't gone running yet! I was firmly in the 'no kids' camp when I was younger but as times gone on I've done a 180. I wonder if that happens to a lot of people? I'll subscribe to your diary as well and come cheer you on from time to time

    Hi Silver Queen - yeah I think it's for the best with work. I'm quite content where I am. I don't like the job per se, but I like my colleagues and my manager and the hours are very ideal so am quite happy staying where I am. Focusing on trying to get a bit more healthy then will re-visit in a few months. If OH gets a full time job I would feel a bit cheeky being part time but we'll see what happens!

    I get what you mean about easing up a little bit. I do feel like it would help with the guilty feelings and also having more of a life. I went out for food/ drinks with my friend from University a few weeks ago and it was so lovely. I didn't spend very much, about 35, but I was wracked with guilt about it as it had been unplanned. I really don't want to feel that way... It was the first time we've seen each other in months and I should have just been able to enjoy it.

    I do get it's all about balance and being mindful on what you're spending and I do still aim to do that, but I want to give myself a bit more breathing space. In turn should reduce the amount of times I mess up and ease my guilty feels!

    Dusty thank you for your lovely post I do 100% agree with what you're saying. I feel since I started this journey I have the discipline to manage my (limited ) money so easing up a bit seems like the best option. I will still be debt free in the near future BUT I have the option of not stressing too much.

    Equally emphasize hobbies,and physical spiritual and mental health,mindfulness,working on relationships and gratitude for the good things we do have.
    I really like this... I think I may write it on my calendar

    Went for a lovely long walk on Saturday on my own. We have some fields near where we stay so I walked through the fields listening to music and just daydreaming. Was really very nice. Managed to get over 10,000 steps for the first time in a LONG time. I used to go on epic walks when I lived in the city because I just loved exploring... But everything here is just quite same-y and boring. I'm going to do some research and see if I can find some nice walking routes nearby and go on an exploration tomorrow. Plan is to do +10,000 steps on the 3 days I have off, then +6,000 on the days I am working. It's not great, but it's a start!

    OH and I took the doggo a walk yesterday and went through the fields where we buried all the rats. There's a lone tree in the field that they're buried under and there's now green grass sprouting all around the tree but no where else which is nice. When we buried Sam I planted some daffodil bulbs with him... It snowed really heavily the next day so was sure they wouldn't make it but when we went yesterday they are in full bloom! Was very lovely Am considering maybe planting some more flowers around there at some point. I know nothing about gardening though so again, will need some research. Not even sure if you're allowed to plant flowers in a public field? Bit cheeky of me really

    Off tomorrow and no real plans other than my walk. Potentially edit OH's dissertation as it's still not finished. Getting quite stressed again as it's due in 2 days and still not a finished piece of work.

    Still haven't properly gone through diaries as I've been MIA for a while and there's a lot to catch up on so will do some more lurking tomorrow!

    Plans for tomorrow:
    1. Go on walk
    2. Wash and sort laundry (still not done from the weekend, eek)
    3. Read and edit OH's dissertation
    4. Check in on diaries
    5. Make list of things I want to purchase when I get paid to avoid overspends.

    New trainers and work shoes as both have holes in them, tights (as again they've all run away) and a new cc cream as I'm almost out. Also may look at seeing if I can get a groupon for a haircut. My hair is down to my bum and I usually just trim it myself (I find going to the hairdresser really stressful for some reason so prefer to avoid) but I would like to lob it all off and go shoulder length. Last time I did that I got OH to put it in a pony and do it and it looked v. wonky.

    122 days
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • onedaysomeday
    • By onedaysomeday 17th Apr 18, 9:01 AM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    Nice to see you back
    Just trying to make up for past mistakes and work towards the future I want
    • lonelyrat
    • By lonelyrat 17th Apr 18, 10:24 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Hello onedaysomeday! It's good to be back... Posting on here really does help me feel more in control so I aim to not vanish again. Will hop over to your diary in a minute

    Today
    1. Go on walk
    Was lovely... Am very, very achey now though and didn't quite make 10,000 so am a bit disappointed. Currently at 9,193 so not sure if I should maybe just pace up and down the hall a bit
    2. Wash and sort laundry (still not done from the weekend, eek)
    Again, not quite done. Tomorrow - tomorrow will be the day!
    3. Read and edit OH's dissertation
    He finally got it finished! I've edited it a wee bit, formatted it correctly and sent him off on the computer to have another read through. He needs to hand it in tomorrow before 4 so plan is to go in and get it printed/ bound/ submitted then go for brunch as a treat
    4. Check in on diaries
    Half done!
    5. Make list of things I want to purchase when I get paid to avoid overspends.
    Not done! Will do tomorrow.

    Just checked the bank account and I've been paid - happy days! More than I expected at 917. I like to always be conservative in guessing what I'll get paid to avoid disappointment and this time seems I got an extra 60 from somewhere

    Have updated the spreadsheet and now will just wait for the dd's to come and take it all away Made a payment to the Santander card so it's now under 1000! I haven't managed to pay off as much as I would have liked this month, but it's still going down which is good.

    Updated Balances
    Santander CC 950 / 2770.90
    Virgin CC 700/ 700

    Total Debt 1650 / 7203.13

    Very is now paid off fully which is good as the BNPL ended next month. Feels really good not to have it there anymore. 2 credit cards seems totally doable. I aim to have the Santander card paid by my original debt free date of June so will need to pay between 400/ 500 to it next month. I think I can manage this though if I don't mess up this month and go back into the HSBC overdraft. I may try to manage another 100 to the Santander card with this months money but will need to see how tight it is. If I can just reign in my food shopping then I think it would be doable... I will have the 89 coming from Scotrail at some point (no idea when?!) and have just requested for a payout from Topcashback which is 30.15.

    The insurance saga continues... Easyjet just sent me an email with the information I needed but turns out I actually need it to be sent to me in writing so have contacted them again and asked them to post something to me. Who knows when it's going to get sorted?!

    Tomorrow will be a pretty chilled day I think. Off work again so spending the day in town with OH. Will be going and handing in the dissertation and need to go pick up his suit as he got measured a few weeks ago and was getting a suit made. He has a few things coming up including his graduation and a communion so will get a lot of wear and am hoping it looks good. I'm going to get him a new tie so will need to keep my eyes peeled for a nice, but cheap, one

    That's enough rambling for the evening... Going to start pacing around the house to get my steps up then going to watch something on the laptop in bed.
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • onedaysomeday
    • By onedaysomeday 18th Apr 18, 8:11 AM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    I do it too if I get home and I haven't hit my steps I keep going upstairs and downstairs and pacing around

    Chilled days are always good, is it sunny where you are today? It's lovely here! Always makes things seem better when the sun is shining, or that could just be me

    Well done on paying off Very, it feels great to have a debt disappear doesn't it
    Just trying to make up for past mistakes and work towards the future I want
    • lonelyrat
    • By lonelyrat 18th Apr 18, 9:50 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Haha! Glad I'm not the only one It just seems such a waste when you're so close! I'm at 9,700 at the moment so going to get pacing again!

    It was not sunny today unfortunately It was quite warm, but very grey. All I want is just a wee bit of blue sky! I do find it makes my mood so, so much better when it's sunny out.

    It does feel good! I kept meaning to pay it off in a one-er in case I mucked up and couldn't pay it in time and got hit with all the interest BUT I kept putting it off. Anyway - it's done now and I'm down to just two debts! Hallelujah!
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • lonelyrat
    • By lonelyrat 18th Apr 18, 10:07 PM
    • 425 Posts
    • 1,033 Thanks
    lonelyrat
    Went into town with OH today and got his dissertation printed and bound. Looked very professional and smart when it was done.... I'm proud that he managed to do it as he's struggled quite a bit at Uni this year. There was a wee hiccup where he put the name of his department on the cover page wrong! Had to run and find a computer to fix it

    The plan had been to find somewhere for brunch after but the place we wanted to go was actually shut down so we just found somewhere else that was close... Was not good though, we both got burgers and they were pretty awful. Overpriced too at 32.85 I had told OH I would treat him so that's money out of my available spends on food that wasn't even any good!

    Picked up OH's suit but he didn't want to try it on in the shop so no idea how it looks. Fingers crossed it fits him well as the trousers had been far too baggy before.

    I'm going to need to find something to wear for his graduation as well. I never buy new clothes so don't have anywhere in my budget for them currently! Going to put some money into my savings out of this months spends budget and then add to it next month.

    Going to get in bed now, watch some Grey's Anatomy and hang out with remaining rat.

    120 days
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
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