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  • FIRST POST
    • hugglemonster
    • By hugglemonster 3rd Dec 17, 1:27 PM
    • 580Posts
    • 2,644Thanks
    hugglemonster
    Hugglemonster's homemade happiness diary
    • #1
    • 3rd Dec 17, 1:27 PM
    Hugglemonster's homemade happiness diary 3rd Dec 17 at 1:27 PM
    A new diary for a renewed enthusiasm for clearing the debt, reducing the mortgage and getting my home finished instead of the shambles it's in.

    I have a few bits of debt left after a nice lump sum from my in-laws cleared the main overdraft these are:
    * Hally overdraft currently 1012.19 - need to pay this off first due to the daily fees plus I still seem to pay 30 monthly fee! Need to check that out.
    * MBNA credit card currently 2083.42
    * Car finance last balance on statement in August this year was 9400.36 so 3 other payments since then will have left a balance of 8825.44.
    * Hubby's computer stuff 293.10 - I could save the full balance and pay off.

    I'm aiming to pay off the overdraft, the credit card and hubby's computer stuff at least in 2018, plus I also want to get my ds bedroom finished and my bedroom decorated too.

    On Tuesday I will get CB payment so this will be the last money that is need for dh to go on his trip next week, I also need to use any money between now and Xmas for presents so main focus on debt busting won't be until after the festive season. I will have a budget for each person I need to buy for plus I will be making some items to reduce costs.

    Some good changes for the new year:
    * My repayments to HMRC for overpaid child tax credit ends in January, so an extra 10 a month back in the budget.
    * DS after school club sent home a letter to say their charges are going up from 9 a day to 10.50, after chatting to dh and dd we will pick him up from school between ourselves therefore saving 144 a month based on current fees. I will do a letter for him to take tomorrow to say we are stopping his place and then there will only be 3 weeks left to pay. This will be lots back in the budget!
    * I'm still waiting to hear if I've got an extra day fund through work, this will be lovely!

    So my mission is to ensure that I use ynab properly and stick to budgets plus reduce food expenditure, continue doing surveys and use vouchers/money earned for birthdays and treats, reduce/re-use/recycle, and seek out the best offers/money back/discounts on all purchases.

    H x
    Debt:Overdraft 2 2400 now 2200 Credit card 2200 now 1990 Car - Purchased 11,518.40 now 5557.56 Barclays loan 3000 now 2403.11 Dad 300 now 100
    PAID - Computer 646.52, Overdraft 1 2200
    Emergency fund: 0 General savings: 0 Debt paid 2019 6.57% current debt 12,250.67
Page 11
    • pennywisepoundstupid
    • By pennywisepoundstupid 16th Apr 19, 7:27 PM
    • 5,061 Posts
    • 18,316 Thanks
    pennywisepoundstupid
    Hi Huggle, glad your DS got sorted at the Dr, we seemed to have had parallel lives today I have had DS to the Dr to, spent the morning ironing.

    Agree surveys are really slow at the minute and i'm close to cash out on 2 and they seemed to have dried up which is typical.
    I'm also counting down to payday but I don't get paid until the 30th.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • hugglemonster
    • By hugglemonster 17th Apr 19, 7:51 PM
    • 580 Posts
    • 2,644 Thanks
    hugglemonster
    A very productive day, cleaned and tidied all of down stairs, finally potted the fuchsias that ds gave me for mother's day they are looking nice down the garden. Two loads of washing down and hung outside plus lots put away. Popped out to the shop to get a couple of bits needed for tea and stuck to the list. Kids got some money from grandparents in the post and ds treated us to an ice dream from the ice cream van!

    When dh got home he cut the grass in the back garden and then I cut the front whilst he made the dough for the pizzas, we each topped our own and they were delicious.

    Been out to run club and that's the day done, as well as bits of work in between.

    Some survey money went into the account but I'm going to leave it for now, loan is now down to just a smidge over 2400. Total debt is 12,250.67 with 6.57% paid off so far this year, since we're near the end of April it's going to take a miracle to pay off all the debt by Xmas. next week I'm going to work out if I can reduce the overdraft by 200.

    I'm hoping May will now be a quiet month since dh is not going away (no chance of selling ticket as friend is not responding to any messages) and no birthdays, we have 2 next week - mine and m-i-l but they will be low cost except fuel to get down to in-laws.

    H x
    Debt:Overdraft 2 2400 now 2200 Credit card 2200 now 1990 Car - Purchased 11,518.40 now 5557.56 Barclays loan 3000 now 2403.11 Dad 300 now 100
    PAID - Computer 646.52, Overdraft 1 2200
    Emergency fund: 0 General savings: 0 Debt paid 2019 6.57% current debt 12,250.67
    • hugglemonster
    • By hugglemonster 18th Apr 19, 1:58 PM
    • 580 Posts
    • 2,644 Thanks
    hugglemonster
    Afternoon another lovely sunny day, started the morning by starting to strip the wallpaper in my bedroom but after a few minutes the steamer stopper working. I changed the fuse but still nothing. I will have to wait until next week now to get a new one but I carried on stripping the top layer off so that it's easier to do.

    DH phoned this morning to let me know that ex friend has said not to pay the money, great result, and also sent another barrage of horrible texts. All completely unnecessary and untrue.

    Just getting BBQ ready and chill out in the garden.

    Pop back later.

    H x
    Debt:Overdraft 2 2400 now 2200 Credit card 2200 now 1990 Car - Purchased 11,518.40 now 5557.56 Barclays loan 3000 now 2403.11 Dad 300 now 100
    PAID - Computer 646.52, Overdraft 1 2200
    Emergency fund: 0 General savings: 0 Debt paid 2019 6.57% current debt 12,250.67
    • beanielou
    • By beanielou 18th Apr 19, 2:19 PM
    • 62,561 Posts
    • 270,619 Thanks
    beanielou
    At least good news on not having to pay the money.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • abba1772
    • By abba1772 18th Apr 19, 3:28 PM
    • 5,921 Posts
    • 23,441 Thanks
    abba1772
    I hope so called friend has a long look in the mirror and realise what a horrible person they are xx

    Great news about not having to pay for flights shame your hubby has to miss out........is it something he can do next year without said friend??
    NEXT TARGET BARCLAYCARD WAS Jan 19 4299 NOW 0
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 13039.59
    POAMAYC 2019 6429.51
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