Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • mick1234
    • By mick1234 5th Dec 17, 5:00 PM
    • 53Posts
    • 98Thanks
    mick1234
    Its time to sort out this mess!
    • #1
    • 5th Dec 17, 5:00 PM
    Its time to sort out this mess! 5th Dec 17 at 5:00 PM
    Hi,

    I have been around these forums for a long time and posted a few bits but I really need to be made accountable for my debts, I know I have lived in the red for a long time now and a few factors have stopped me moving on, I am lucky that I have a good job and have money spare as some of my friends do not. Being a newly single Dad with 50 / 50 co-parenting gives me more motivation to get myself sorted,

    I am terrible at spending on my debit card and credit cards as you can see, I got credit cards for emergencies and then shuffling the balances round trying to keep 0% has caused more issues of extra money that I have spent on nothing sometimes just living costs when I have no money left at the end of the month and I need shopping or petrol, I don't even go out as in getting drunk or spending on clothes or fast cars

    WORST SPENDING.

    Shopping dinners at work
    Shopping - nipping into the supermarket to buy some tea
    Fueling up at random times during the month



    I need a way to make sure every 1 has a job as everyone says but I can never do it I always have money left over and it just goes,

    I have already started with my bills.

    Virgin Media internet and tv - from 80 to 30
    Phone bill 70 - 12 with 60 cashback
    shopping all done at Aldi - trying to budget this per week.
    Called Barclay card and they took my Apr from 18.6 to 8

    any tips or pointers will help anything you have

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 1
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 1997.23
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1997.23


    Monthly Expense Details

    Mortgage................................ 401
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 104
    Electricity............................. 61
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 40
    Telephone (land line)................... 0
    Mobile phone............................ 12
    TV Licence.............................. 12.37
    Satellite/Cable TV...................... 32
    Internet Services....................... 0
    Groceries etc. ......................... 200
    Clothing................................ 0
    Petrol/diesel........................... 100
    Road tax................................ 0
    Car Insurance........................... 43
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 300
    Other child related expenses............ 100
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 23.53
    Contents insurance...................... 0
    Life assurance ......................... 47.4
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 20
    Haircuts................................ 25
    Entertainment........................... 20
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 1541.3



    Assets

    Cash.................................... 0
    House value (Gross)..................... 130000
    Shares and bonds........................ 0
    Car(s).................................. 1200
    Other assets............................ 0
    Total Assets............................ 131200



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 106000...(401)......2.17
    Total secured & HP debts...... 106000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    BC.............................9800......167...... .8
    Halifax........................1405.89...36.42.... .0
    RBS............................1400......50.81.... .0
    Tesco..........................3500......28....... .0
    NUBA...........................3439.61...33.18.... .0
    Total unsecured debts..........19545.5...315.41....-



    Monthly Budget Summary

    Total monthly income.................... 1,997.23
    Expenses (including HP & secured debts). 1,541.3
    Available for debt repayments........... 455.93
    Monthly UNsecured debt repayments....... 315.41
    Amount left after debt repayments....... 140.52


    Personal Balance Sheet Summary
    Total assets (things you own)........... 131,200
    Total HP & Secured debt................. -106,000
    Total Unsecured debt.................... -19,545.5
    Net Assets.............................. 5,654.5


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
Page 4
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 4th Jan 18, 12:29 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Thanks again, appreciated. Just out of interest have you joined the MSE credit club? It's a big help to see where you are with credit scores and stuff....
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • mick1234
    • By mick1234 5th Jan 18, 8:42 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    Yes, I have thanks, Barclaycard also gives you it for free which is handy.

    Thanks again, appreciated. Just out of interest have you joined the MSE credit club? It's a big help to see where you are with credit scores and stuff....
    Originally posted by CoffeeCakeYarn
    • mick1234
    • By mick1234 5th Jan 18, 8:52 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    So this week has been a great test for me, I had a budget of 70 for fuel and food, the only thing I have spent is 90p which was lying around my car I spent it on free coffee from Waitrose! you need to spend min 30p in order to get a free coffe.


    At the weekend I will have another 70 and I still have a little fuel left, I will adjust this as I go so I am not struggling but this is the first week in my life ( I am 40 ! ) that I have had a budget and stuck to it!! This will probably be the hardest month aswell due to Christmas and the long wait until payday.
    • EssexHebridean
    • By EssexHebridean 16th Jan 18, 11:22 AM
    • 8,716 Posts
    • 45,982 Thanks
    EssexHebridean
    Ahh Mick well done - that was brilliant then - what a flying start!

    How's it going now?
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • mick1234
    • By mick1234 16th Jan 18, 11:37 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    A struggle this month it was all going to plan and the electricity bill got taken from my account 140 ( no funds ) and I went over this has been sent back and I have been charged for the none payment from the bank, I will contact the company and pay them on payday, it was going well until this happened, I had my weekly budget and I have stuck to it in terms of shopping and fuel but this has knocked me back a bit, things have come up which I did not account for 2 kids partys presents and sometimes using more fuel than I thought, and January is always a long month more planning is needed!
    • Kittychick
    • By Kittychick 16th Jan 18, 12:01 PM
    • 248 Posts
    • 632 Thanks
    Kittychick
    I'm sure this is just a temporary hiccup, you are doing really well, if you hadn't put the meal planning etc in place you would have been hit much harder now. Keep going
    • EssexHebridean
    • By EssexHebridean 17th Jan 18, 10:46 AM
    • 8,716 Posts
    • 45,982 Thanks
    EssexHebridean
    Budgeting is a learning curve - it's pretty rare for you to get it spot on right, first time. Learn from the issues you've had this month so far and they won't come up and bite you again.

    Just a thought though - why are you saying January is a long month? It's 31 days, same as March, May, July.....you get where I'm coming from? This is the great thing about budgeting and getting a firm hold on your finances - that "long month" thing is no longer something to be feared - you'll be right there taking charge of it.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • mick1234
    • By mick1234 18th Jan 18, 11:27 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    a long month as in it seems ages since I was last paid, Christmas I probably spent a little more than I should of as I didn't have the right budget in place, but like you say it is a learning curve I have defiantly made leaps and bounds with shopping and fuel, its annoying as now I can see that my car costs me a lot in terms of fuel ! Nearly 200 a month.
    • EssexHebridean
    • By EssexHebridean 25th Jan 18, 12:26 PM
    • 8,716 Posts
    • 45,982 Thanks
    EssexHebridean
    OK - make yourself a stern mental note for next year. If your usual paydate is - for example - the 31st of the month, but in December you get paid 10 days early "because of Christmas" that money needs to become INVISIBLE to you until the usual date, whether this is by shifting it into a savings account so it's out of view, or just leaving it where it lands and ignoring it, doesn't matter - but the key thing is that until your normal paydate that money does not exist. that avoids the "long month" struggle in January, and it's a key part of budgeting properly. Make sense?
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • mick1234
    • By mick1234 26th Jan 18, 8:42 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    yes it does, I need to be a lot more organised which I am getting better at, today I came in early to work to update my budget sheet. I have changed the amount for food and fuel just slightly as it was becoming a struggle, everything is paid so far with a larger payment off my credit card and I still have money left which is the goal at the minute, every month I go over get charged and its a circle so I am trying just to have some money left so I can start a bit of an emergency fund. Rome wasn't built in a day!
    • mick1234
    • By mick1234 21st Feb 18, 11:58 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    so things are going ok, this month even though I had to pay a large unexpected bill I have managed to sell things on ebay and make some ok money which has so far kept me from using my cards.

    I am over paying on my top card which is the highest interest the monthly payments are 167 - and I am paying 250 shall I just carry on or should I focus on the lower cards improve my rating and get another card ? it feels like a real up hill sturggle you pay some off and it just sits at the same, I am getting a lot better with budget etc and in may I will have an additional 400 a month to add to the payments.

    Below are the current Balances and Available credit on the cards( I know its bad )
    8,400.00 Balance 8,192.00 Available Credit 208.00 Percentage Used 97%

    3,200.00 Balance 3,104.00 Available Credit 96.00 Percentage Used 97%

    3,600.00 Balance 3,552.00 Available Credit 48.00 Percentage Used 98%

    1,450.00 Balance 1,383.00 Available Credit 67.00 Percentage Used 95%

    1,400.00 Balance 1,322.00 Available Credit 78.00 Percentage Used 94%

    AccountTotalCredit Limit 18,050.00 Balance 17,553.00 Available Credit 497.00 Percentage Used 97%
    Last edited by mick1234; 21-02-2018 at 1:12 PM.
    • enthusiasticsaver
    • By enthusiasticsaver 21st Feb 18, 1:49 PM
    • 6,616 Posts
    • 13,917 Thanks
    enthusiasticsaver
    Well done. You have cleared almost 2k since December. It will be a struggle to start with when the debt is disproportionately high in comparison to your income but it is going down. Paying extra to the interest charging card is the way to go but you need to get it lower until you are in a position to move it to 0%. Look out for deals on your existing cards to save you applying and being rejected.

    You are still using a high percentage of your available credit but at least most of the debt is 0%. The Barclaycard will take a while to come down because the balance is high and interest is being charged. Dropping the monthly payment would be a mistake though.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • enthusiasticsaver
    • By enthusiasticsaver 21st Feb 18, 1:52 PM
    • 6,616 Posts
    • 13,917 Thanks
    enthusiasticsaver
    Are you dropping the limits on those cards? The Barclaycard was at 9800 in December unless it was over the limit?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • mick1234
    • By mick1234 21st Feb 18, 2:08 PM
    • 53 Posts
    • 98 Thanks
    mick1234
    Are you dropping the limits on those cards? The Barclaycard was at 9800 in December unless it was over the limit?
    Originally posted by enthusiasticsaver
    No they have reduced the amount on the card of available funds, so I was in credit but they reduced it to stop me spending I guess.
    • mick1234
    • By mick1234 13th Jun 18, 10:44 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    My latest SOA It has new debt I know I was in a situation I needed a car for work.

    I am over I am going to try and trim down the food budget and put me into a none negative state,

    At the minute one of my biggest bills is gas and electric, over winter I was paying less and then they hit me with a 580 bill I have now agreed with them to pay 140 a month but its such a big bill, I cant move I dont think and even if I do I will still have to pay that debt.


    My car insurance renewed and thats another thing that is really expensive but again im sure I will get penalised for moving

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 1
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 2067
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 2067


    Monthly Expense Details

    Mortgage................................ 401
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 87.32
    Electricity............................. 70
    Gas..................................... 70
    Oil..................................... 0
    Water rates............................. 40.87
    Telephone (land line)................... 0
    Mobile phone............................ 20
    TV Licence.............................. 12.43
    Satellite/Cable TV...................... 30
    Internet Services....................... 0
    Groceries etc. ......................... 200
    Clothing................................ 0
    Petrol/diesel........................... 160
    Road tax................................ 0
    Car Insurance........................... 75
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 300
    Other child related expenses............ 20.8
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 23.53
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 20.5
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 25
    Entertainment........................... 85.99
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 1642.44



    Assets

    Cash.................................... 0
    House value (Gross)..................... 135000
    Shares and bonds........................ 0
    Car(s).................................. 10000
    Other assets............................ 0
    Total Assets............................ 145000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 106000...(401)......5
    Total secured & HP debts...... 106000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Barclays.......................8250......185.9.... .17.43
    Nuba...........................3500......34.63.... .27.9
    Bank of Scotland...............1373......42.03.....27.9
    Loan...........................8400......175...... .0
    Tesco..........................2982.85...43.56.... .20.9
    Halifax .......................1407......32.27.....27.9
    Total unsecured debts..........25912.85..513.39....-



    Monthly Budget Summary

    Total monthly income.................... 2,067
    Expenses (including HP & secured debts). 1,642.44
    Available for debt repayments........... 424.56
    Monthly UNsecured debt repayments....... 513.39
    Amount short for making debt repayments. -88.83



    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    Last edited by mick1234; 13-06-2018 at 11:57 AM.
    • mick1234
    • By mick1234 14th Jun 18, 9:36 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    My free nursery hours start in September so this will help a lot freeing up over 550 a month in childcare fees.
    • enthusiasticsaver
    • By enthusiasticsaver 14th Jun 18, 10:23 PM
    • 6,616 Posts
    • 13,917 Thanks
    enthusiasticsaver
    Most of that debt is now at a really high interest rate. I am also sure that 8400 loan is not 0%. Looks like you have overextended with buying a car you cannot afford. Getting some free hours for childcare will help although I can't see how it will free up 550 as your soa only shows 300. Do you have some deducted from your salary in form of childcare vouchers?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • mick1234
    • By mick1234 15th Jun 18, 9:07 AM
    • 53 Posts
    • 98 Thanks
    mick1234
    Hi, yes the loan has interest Im still locating it in the paperwork, I understand completely on the car and for months I was back and forth, I had a 12 year old car that I had spent around 400 on in the first few months of owning it with still lots more issues, I travel a lot with my commute to work and to my childs mothers home which is quite a few miles away, When the hub broke on the car that was kind of the final straw the one main thing I need is the car to be safe, I know it is not a good move in my situation but I was kind of stuck in terms of no other options.

    Yes childcare vouchers are deducted from my wage so 243 + the extra I pay per month.
    • EssexHebridean
    • By EssexHebridean 18th Jun 18, 4:55 PM
    • 8,716 Posts
    • 45,982 Thanks
    EssexHebridean
    OK - let's take a look at this then

    My latest SOA It has new debt I know I was in a situation I needed a car for work. Perhaps, but you could have definitely gone for something cheaper, no?

    I am over I am going to try and trim down the food budget and put me into a none negative state,

    At the minute one of my biggest bills is gas and electric, over winter I was paying less and then they hit me with a 580 bill I have now agreed with them to pay 140 a month but its such a big bill, I cant move I don't think and even if I do I will still have to pay that debt. Were you reading the meters monthly and submitting the readings? If so then you might ask the supplier why exactly they let this situation occur rather than asking you for increased payments before this mounted up?


    My car insurance renewed and thats another thing that is really expensive but again im sure I will get penalised for moving Have you actually done a comparison on this? Auto-renewing car insurance and similar is generally recognised as a truly fantastic way of throwing money away...

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 1
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 2067
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 2067


    Monthly Expense Details

    Mortgage................................ 401
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 87.32
    Electricity............................. 70
    Gas..................................... 70
    Oil..................................... 0
    Water rates............................. 40.87 Not sure if we've asked before but if you're not metered then this might be a good thing to look into as that bill seems fairly high.
    Telephone (land line)................... 0
    Mobile phone............................ 20
    TV Licence.............................. 12.43
    Satellite/Cable TV...................... 30
    Internet Services....................... 0
    Groceries etc. ......................... 200 Yes, you really have to trim that down now - look to the Old Style board on here for inspiration and help.
    Clothing................................ 0 This is still not sustainable - even if just pants and socks, you do have to spend here occasionally!
    Petrol/diesel........................... 160 can you cut this at all? Is the new car by any chance a bit more economical? make sure you combine journeys where you can and never use the car for trips where you could walk.
    Road tax................................ 0 Why zero? New car exempt?
    Car Insurance........................... 75 JC on a piece of toast - that is HORRIFIC for a single car! If you haven't done a comparison then just get it done for goodness sake - hopefully you're in a position to either cancel or barter down the policy that has just renewed.
    Car maintenance (including MOT)......... 0 Is this free with the new car or something?
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 300
    Other child related expenses............ 20.8
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 23.53
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 20.5
    Presents (birthday, christmas etc)...... 0 Again, still not sustainable. I just bet you bought your LO a birthday present and intend to buy if only for them at christmas?
    Haircuts................................ 25 This on the other hand is too high. Either find somewhere cheaper or get clippers and learn to do it yourself!
    Entertainment........................... 85.99 allowing for that shortfall in your figures, what can you trim from here?
    Holiday................................. 0
    Emergency fund.......................... 0 You have to start thinking about getting something here - you've got a child a car and a house and with the best will in the world, shi..stuff happens.
    Total monthly expenses.................. 1642.44



    Assets

    Cash.................................... 0
    House value (Gross)..................... 135000
    Shares and bonds........................ 0
    Car(s).................................. 10000
    Other assets............................ 0
    Total Assets............................ 145000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 106000...(401)......5
    Total secured & HP debts...... 106000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Barclays.......................8250......185.9.... .17.43
    Nuba...........................3500......34.63.... .27.9 Throw every spare penny you can scrape together at this.
    Bank of Scotland...............1373......42.03.....27.9
    Loan...........................8400......175...... .0 Need to put the rate in here so you keep it in mind
    Tesco..........................2982.85...43.56.... .20.9
    Halifax .......................1407......32.27.....27.9
    Total unsecured debts..........25912.85..513.39....-



    Monthly Budget Summary

    Total monthly income.................... 2,067
    Expenses (including HP & secured debts). 1,642.44
    Available for debt repayments........... 424.56
    Monthly UNsecured debt repayments....... 513.39
    Amount short for making debt repayments. -88.83



    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    Originally posted by mick1234
    I'm going to be brutal on the car I'm afraid,. It was a mistake. Yes you need a car to be safe, of course you do - in fact we ALL do, it goes without saying, so using that line as some for or excuse doesn't really wash. A car can be safe without costing you EIGHT GRAND that you didn't have. You've put yourself into a real hole here - at least until September you're not going to be meeting your commitments financially. You could have got a 2k car that would still have been perfectly safe and reliable and would not have left you in the red. I know you're saying you can cut back on groceries, but cut back by 90 a month? Really?

    As a priority you need to think about getting a bit more organised. Sort that car insurance - either they're having you over or that car you bought is a mistake in more ways than one. Likewise your fuel spend for the car has increased a lot since your original SOA - was that because you underestimated back then or is the new car a bit more thirsty? Start taking regular meter readings and submit them monthly - set reminders on your phone to do so.

    The thing that worries me more than anything else with you is the stuff that is still at zero on the SOA - there is now NO slack to take up on this - and yet there still looks to be stuff you're not budgeting for. What happens when you get a non repairable puncture on the car for example? It's not the SOA itself that the biggest concern here - it's that you don't *quite* seem to have grasped the problem, to be honest.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/995.38 (22/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,042Posts Today

5,818Users online

Martin's Twitter
  • Ah these care free days of watching #ENG score 5 goals in the first half of a World Cup match. It reminds me of... Never.

  • Then it should be. It's not some accident. It's deliberate grappling https://t.co/UxVTuUSNio

  • Penalty yes but time someone was sent off for these wrestling moves #WorldCup

  • Follow Martin