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  • FIRST POST
    • Choccygirl123
    • By Choccygirl123 31st Dec 17, 11:35 AM
    • 113Posts
    • 123Thanks
    Choccygirl123
    2018 New year, new focus and new mission
    • #1
    • 31st Dec 17, 11:35 AM
    2018 New year, new focus and new mission 31st Dec 17 at 11:35 AM
    With the new year arriving tomorrow I've decided to start a new diary. My old was depressing me, as you could track the debt increasing slowly over time so I'm starting over. Fresh new diary to keep track of my spending and keeping us afloat.

    My main aim this year is to stop adding to the debt! No more credit card use or falling into the overdraft at the end of the month. Our debt stands at £16271.56 over two Zopa loans. I'd love to overpay, but the reality at the minute is there's no spare cash as have large expenditure coming up in first half of the year. We have a good income, but money is tight. Have trimmed and cancelled everything I can and without giving the children away, i know we can't cut back anymore.

    So this is my plan, it's official and in writing so set in stone for Jan/Feb/Mar
    - save £2200 for much needed house repair, have set target needs to be done by MAY
    - pay as much as possible off kids school trips £200 / £384 owed
    - save £50 a month towards an emergency fund £400 target
    - save £50 a month towards christmas, to avoid panic next year and hope to increase
    - withdraw £75 a week to food wallet and only spend cash on food - hope to decrease shopping budget massively, use up freezer supplies and get inventive with my meals.
    - only shop once a week and stop 'topping' co-op and meal plan
    - declutter and sell, sell, sell
    - try and look for a part time job to fit around my current role
    -have as many NSD as possible - at least 20 a month


    Need to stay focused, meal plan and keep logging on here for motivation. Right choccy....this is my kick up botty you need!

    Happy New Year!
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
Page 1
    • adaptimproviseandovercome
    • By adaptimproviseandovercome 31st Dec 17, 6:27 PM
    • 8 Posts
    • 18 Thanks
    adaptimproviseandovercome
    • #2
    • 31st Dec 17, 6:27 PM
    • #2
    • 31st Dec 17, 6:27 PM
    Good luck on your mission for 2018 !!! It's sounds like you are off to a good start . All the best for 2018
    • Choccygirl123
    • By Choccygirl123 1st Jan 18, 12:57 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    • #3
    • 1st Jan 18, 12:57 PM
    Happy New Year!
    • #3
    • 1st Jan 18, 12:57 PM
    Thanks for popping in to say hello adapt. Your name does make me laugh as hubby uses the expression all the time.

    I am feeling positive and am enjoying some much needed time at home. The children are busy playing Mario, hubby studying so I get a chance to read other people's diaries. Wow, what an inspiration you lovely people are!

    Aims this year It's not all debt busting, but more debt prevention
    -stay afloat at the start of the year and don't use overdraft or credit cards
    -get the big expenditure out the way using money we save
    -squirrel money away for Christmas and the emgerency fund regularly no matter how small the amount
    - hopefully start over paying the Zopa loans in the second part of the year.


    Good moneysaving points about today
    - Checked all online banking
    - Won't spend a penny (Still have £14.29 left in shopping wallet)
    - Made huge amount of yorkshire pudding batter ready for later - as eggs needed using, will freeze spare yorkies if I can find space!
    - Started collecting a few bits in a to sell box
    - relisted 3 things on ebay that didn't sell last year (bookcase has 9watchers already so fingers crossed.
    - Talked to hubby about freaking out £2200 needed by May (Problem shared, problem halved)
    - Being completely inspired by other DFW diaries (Thank you )
    -starting to clear the post-crhistmas washing mountain (will rope kids into putting stuff away later)
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • elly68
    • By elly68 1st Jan 18, 1:15 PM
    • 2,440 Posts
    • 6,184 Thanks
    elly68
    • #4
    • 1st Jan 18, 1:15 PM
    • #4
    • 1st Jan 18, 1:15 PM
    Good luck choccy hope its a happy new year for you and your family x
    Barclay card 0% 566/9000 set payment 266 a month 35 months bos cc 20% 300/900 virgin cc 32 months 0% 200/6990 Santander loan 2000/10,000
    =total £23,846 .I am going to be at transfer queen no more wasting my hard earned cash .
    Lifes a beach...go walk on one Arbroath, Blackness, Crammond , Dunbar, Eyemouth , ..........
    • Choccygirl123
    • By Choccygirl123 1st Jan 18, 1:49 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    • #5
    • 1st Jan 18, 1:49 PM
    • #5
    • 1st Jan 18, 1:49 PM
    Thanks elly, same wishes to you. X
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 3rd Jan 18, 12:02 AM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    • #6
    • 3rd Jan 18, 12:02 AM
    • #6
    • 3rd Jan 18, 12:02 AM
    Day 2 in the big money saving house

    A planned spending day unfortunately and a local eBay bargain!

    Have been looking for a cabinet for few weeks and have £70 Christmas money to buy one. Not seen one I liked until today. Local seller listed the most perfect oak one for £22. Collected tonight abd it!!!8217;s perfect!


    Points of the day
    -checked banking
    -checked union membership and after pay cut can reduce monthly payments by £1.20 a month
    - food top up shop £12.02 bread, butter, pop, bin bags abd food bags (only wanted to buy bags)
    -used 1/3 beef from joint and bulked out with leftovers from frozen Quorn
    -last few ice-cream bites and beef stock used up
    - froze 2/3 beef after blitzing ready for spag Bol next week
    -grrrrr hospital parking for checkup £2.80
    -drink and mints for 1x child as waited so long in hospital £1.98 leaving 29p in food wallet
    - total nsd in jan 1
    -£22 on cabinet out of Christmas gift cash balance going into joint account

    Got to admit I!!!8217;m feeling a little blue. Christmas is over and the tree needs to come down. Always hate first week in jan, but pay day just iver 3 weeks away so crossing off the days abd trying to stay focussed. I nirbally have a post Xmas shopping spree, but not this year!
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 3rd Jan 18, 2:08 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    • #7
    • 3rd Jan 18, 2:08 PM
    • #7
    • 3rd Jan 18, 2:08 PM
    Day 3 of 2018

    I!!!8217;m feeling rubbish and very grumpy! Have been busy tidying up and sorting the post-Christmas chaos. feel horrendous so have come back to bed to catch up on Mse and watch a film on amazon. Hubby decided to take the kids to the cinema tonight as a treat and to give me a bit of peace and quiet. They!!!8217;ve both been poorly over Christmas and we!!!8217;ve hardly been out. It!!!8217;s cinema on a budget...meerkat code, free cinema ticket and a child!!!8217;s ticket so £9.41 for all three of them. Little one seems to be a money saving expert and announced she!!!8217;s going to take a bag of crisps and some of the Christmas chocs. It!!!8217;s a proud moment in the choccy house !!!55357;!!!56838;
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Storm89
    • By Storm89 3rd Jan 18, 2:11 PM
    • 583 Posts
    • 1,323 Thanks
    Storm89
    • #8
    • 3rd Jan 18, 2:11 PM
    • #8
    • 3rd Jan 18, 2:11 PM
    Hi Choccygirl I am in pretty much the same position debt wise as you and about to start a new diary. Our debt is over £16k so I'll def be keeping track of how someone else is doing in similar position. Good luck !
    • Choccygirl123
    • By Choccygirl123 3rd Jan 18, 5:13 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    • #9
    • 3rd Jan 18, 5:13 PM
    • #9
    • 3rd Jan 18, 5:13 PM
    Hi storm, thaBjs for popping by. How long are you hoping to pay yours off? We!!!8217;ve given ourselves 6mijths to get our emergency fund built up, save for the house stuff and sort kids trips out. We!!!8217;ve drawn a live in the slabs and will not add to the debt.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Storm89
    • By Storm89 3rd Jan 18, 6:29 PM
    • 583 Posts
    • 1,323 Thanks
    Storm89
    I'm aiming for December 2019 although it was August 2020 before. How long are you planning ? I like the idea of drawing money out to spend on food , it's so easy to use a card and then not really pay attention. I am aiming for £60 a week on weekly shop since I bought the savvy shoppers cookbook, that includes cleaning stuff etc. I think that's a good idea to have little targets like 6 months for emergency fund. We had no savings last year & wish we had done similar. We had a lot less money and ended up using the credit card a few times so although we didn't add to the debt, we didn't get it down much. Now we have a little more money we can get some savings built up and not have to use the credit card. I think January is a great time to get into the spirit of making changes !
    • Choccygirl123
    • By Choccygirl123 4th Jan 18, 5:38 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    I've not set a date yet because I know we need to concentrate on creating a emergency fund and good money saving habits. It's so easy to fall back on overdrafts and credit cards, so for us the next 6months is about learning to manage and budget properly.

    From June 2018's pay day I'm going to see how much we can throw at the debt. The good news is that after this month's repayments our debt is under 16k - It's only just scraped under, but feels like a huge step in the right direction. I'm hoping 3/4 months time we'll be in a lot better place with meal planning and budgeting and we can make a stat of the debt. Fingers crossed!

    O/s Loan 1 - £11068.29 (payment £197.65 - 3.0% finishes Aug 2022)
    o/s loan 2 - £4905.51 (payment £100.11 - 3.8% finished Jan 201)
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 4th Jan 18, 5:53 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    Woke up feeling groggy and the text from First direct with our bank balance didn't help my mood!

    £367.39 in credit and it's only the 4th of the month. It's not great, but the good news is that all the direct debits and mortgage etc have gone apart from our 2 x phone bills which leave around 24th. The realisation we're skint has definitely sunk in, but that's why i'm here. Need to stay focussed and It's given me a kick up the bum today and i've spent 2hours sorting out admin things.

    - checked all banking
    - emailed union for discount on membership as wouldn't do on phone
    - chased vet after statement after pooch's op and found we're £106-45 in credit (requested it back)
    - going to get hubby to close halifax cc account as no longer needed and get the £3.60 credit back
    -chased ebay seller for refund of faulty item, kept item and discount refund of £10 (will withdraw tonight when it clears)
    -complained to currys about tv we bought in sale with hubby & mine christmas cash. Is scratched on stand...it's ok but not happy. Would take discount or new stand, but want to keep tv.
    -email co-op to see how much i've in share account (never get vouchers) and will withdraw to add to EM
    -printed off an old tesco voucher worth £3.00 which was sat on my account. Added it to the £15 one I received after making a complaint and start a voucher stash. - Planning on using at the end of month to save cash in the food wallet
    - No Spend day number 2 this month
    -posted overtime claim form for random 2nd job - 8h 15 mins which should be paid end of Feb


    Baby steps I know, but still keeping on track.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 4th Jan 18, 8:10 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    Well another bonus tonight - hubbys monile bill jumped up couple of months ago abd I couldn!!!8217;t understand why. Have given them a call abd it was because his Apple Music free 6months trial ended. Orange were fab and have given me a £20 credit on the next bill. Really pleased as its £20 less to find when direct debits go on.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 5th Jan 18, 4:07 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    Itís friday!!!! Normally a takeaway treat night but not tonight. Weíre eating the randomness left over in the fridge from Christmas. Posh breaded cheeses with cranberry sauce and bake your own breadsticks for starts, homemade celery and potato soup with bake your own bread bun and shop bought pancakes with ice-cream! Hubby was gobsmacked with the menu, but told him itís warming and filling and all Iíve made!

    Tomorrow is our food shop day and my balance of £0.29 will be added to next weeks £75. Iíve got a few meals already planned using store cupboard abd freezer stocks do really hoping to keep our spend low.

    Iíve got loads of satsumas left over do think Iím going to make jam tomorrow. Should do it tonight but still feeling a poorly girl, so embracing the blanket on the sofa today!

    No spend today number 3 this month
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 5th Jan 18, 8:16 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    Oh bu88er! Vets sent me a copy of my account abd they don!!!8217;t owe be £106.45.....just £14 something. Their account department made a mistake. I!!!8217;m still not convinced this amount is right so will chase them up on Monday. Talk about one step forward and two back!
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 6th Jan 18, 8:11 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    Had a lovely lazy day catching up with my best friend and a weekly shop.

    Withdrew £75 and spent £65.23 in Aldi and £5.50 in Tesco. Was hoping it!!!8217;d be a low spend, but had to buy kitchen towel, bleach, toiletries for 3/4 members of our family, loo rolls and cleaning stuff. Totalling all those bits up it was £20, but they!!!8217;ll last until at least pay day.

    Food wise I!!!8217;ve bought some staples for lunches for kids to avoid school meals -soup, cereals and stacks of fruit. With the weather so cold I!!!8217;ve also stacked up 12pints of milk....just in case of snow.

    Balance from today and remaining last week means I!!!8217;ve got a whopping £4.56 in the food wallet until next Saturday!
    Last edited by Choccygirl123; 06-01-2018 at 8:54 PM. Reason: typos
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 7th Jan 18, 11:41 AM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    I love Sundays for Choccy Towers, it's a family day of chilling out and spending time together. The kids are back to school tomorrow, so we're going to make the most of our day. We've had a luxurious brekkie of bake your own choc-a-paaaaains (according to child2) smoothies made with half a bag of frozen fruit, some left over home grown straws, a banana blended with apple juice. The kids feel like they've won the lottery as smoothies are a treat. In reality I need the space in the freezer, but i'm not going to tell them that.

    We're off to a local village for a walk and to take some pictures. I've scrabbled around in the car and found enough change for a paper, so going to pick one up when we're out. I love a Sunday paper, but cut back last year so for me this a real treat! It;ll come in handy once hubby ready for the sports bit, as I need to clean the kids shoes. There's a last couple of bits of homework to do and I've got to nag and make sure school uniform is ready and school bags packed. Getting them up and ready out the house for 8:10 is going to be a challenge.

    Hope everyone having a good sunday x
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 7th Jan 18, 8:48 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    Enjoyed a lovely day of walking out with kids, making a huge roast and some marmalade with my leftover Christmas oranges.

    Spent a total of £1.80 on a newspaper, which was a real treat.

    My eBay items finished and I!!!8217;ve sold one thing for £29 which is being collected next weekend. I!!!8217;ve also managed to sell a bit of furniture on a local gumtree for £30. Chuffed to bits and after costs on eBay will put £50 in my E fund and oddmebts in the joint account.

    I have been thinking about the E fund and thinking about buying premium bonds. The interest on our savings isn!!!8217;t worth having and physiologically if money tied up, will mean less likely to break into it for trival things.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 8th Jan 18, 5:20 PM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    Day 8 of 2018 and it!!!8217;s nsd number 4.

    Kids back to school today, so all is back to normal in the house.

    I need to keep a to do list or I lose my motivation. This is my January list
    - do my tax return before deadline
    - counting to declarer the house
    - keep listing the clutter on eBay and other selling sites
    - blitz the house abd catch up post Christmas cleaning & ironing
    - tidy the spare room and put crap in loft or sell it!
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • Choccygirl123
    • By Choccygirl123 9th Jan 18, 10:49 AM
    • 113 Posts
    • 123 Thanks
    Choccygirl123
    Lazy morning before work this afternoon catching up on some recipe ideas for next week. Another nsd today number 5 for Jan....could be fact we have no money to spend!

    Need to be inventive next week with meal planning and cut right back if I can. We!!!8217;re all on health kick and finding fruit and veg very expensive and huge part of shop. I!!!8217;ve got 6kgs frozen chicken breasts in the feeezer, some proper butcher sausages, some blitzed roast beef so going for a no meat shop on Saturday. It!!!8217;ll be just fresh healthy stuff, milk and bread. The kids like cereal bars so going to have a look at recipes to make my own.

    I!!!8217;m determined to keep on track and not hit that overdraft thi month, but it!!!8217;s going to be hard! Looking at expenses coming up it!!!8217;s going to be impossible, so I!!!8217;m going to minimise the damage. I!!!8217;ll use the £30 cash I made on selling site and £29 from eBay when stuff collected for food next week.

    Fed up feeling skint all the time. That!!!8217;s why the diary is helping so much. It!!!8217;s keeping me focussed and on track. Have £211 in joint account. Roll on pay day is all I can say.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
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