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  • FIRST POST
    • Choccygirl123
    • By Choccygirl123 31st Dec 17, 11:35 AM
    • 104Posts
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    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 3
    • Choccygirl123
    • By Choccygirl123 21st Jan 18, 8:31 PM
    • 104 Posts
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    Choccygirl123
    That!!!8217;s brillant elusivelucy! It!!!8217;s draining but the money you can make is definitely worth a bit of work. I!!!8217;ve started a box already abd summoning the motivation to get it all on. Have listed a lot of bits on FB, but had no luck.

    I!!!8217;m still feeling rubbish but had a lovely catch up with my friends today. NSD yesterday which was fab. Only spent £23 abd oddments in Lidl, but stocked up on fruit and veg for the week.

    Can!!!8217;t brlieve it!!!8217;s bavk to work tomorrow and wishing it!!!8217;s be a snow day.
    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 22nd Jan 18, 9:19 AM
    • 104 Posts
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    Choccygirl123
    Iíve been getting a little side tracked as stillfeeling under the weather.

    I am making progress but feel like nothing happening quick enough! I know itís frustrating waiting for pay day, but Iím
    Starting to think about getting a debt free day planned. The first quarter of the year is about good money habits and staying out the od! Well after a new tyre weíre just sat in it now, but we had to fill up my car on Saturday so thatís still to come out. Chatting with hubby donít feel like Iíve done much, but the little bits are the foundations weílre building.

    Positives notes so far this month
    - I have swapped all our dds so they all come out by the 3rd every month
    - cancelled £4.34 lottery did
    - cancelled a £10.58 on appliance plan
    - reduce out Ďpocket moneyí for 3months from next pay day saving £120
    -Limited kids to £50 dinner money a term instead of £50+ a month.
    -chased pot hole damage and should pay out this week
    -chased curryís for horrendous customer service £30 good will refund on its way
    -rang sky for 96p credit owed on old account
    -joined clear view To see free scores
    - reduced my credit limit on next from 5k to £750
    - reduced two unused odís from £1500 / £800 so both only £500
    -made £96 approx on selling on eBay & Facebook need to finalise profit after posting
    -no takeaways or foodout since 28th dec
    -meal planning and using store/freezer supplies up
    -having as many nsd as possible
    -thinking do we really want or need something before buying


    This week I need to get off my bum
    And do my tax return! Have promised myself if I get a rebate (which I should) Iím going to buy myself a mop abd bucket as my steam moped driving me mad! Doesnít seem like a treat,but itíll make my life with the dog a lot easier.

    Tax return wonít take long....itís just sorting the two boxes of paperwork thatíll take the time! I need to make a start this morning and do a little filing/shredding at a time over next few days.
    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 22nd Jan 18, 5:34 PM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Total sales profit for the month is £97.10! I'm chuffed to bits, but know i've still got stacks of stuff to sell. I've spent my morning sorting out the spare room and have a heap of stuff on my bed to list. I think i can easily make an extra £100 if i sell all the stuff. It's hard going but know this month we'd be £97.10 further into our overdraft if i hadn't sold a thing.
    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 2nd Feb 18, 7:50 AM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Wow I!!!8217;ve really fallen off the posting daily wagon. I have been fully mse, apart from updating my ramblings here.

    Have been busy so here!!!8217;s a quick update:
    Have been paid
    Recived a lovely tax refund £926
    Had to replace 2 tyres on car £220
    Have got another part time job starting next week which should boost our income by £75 a week.
    eBay sale of approx £12 profit

    Things to do:
    Reclaim overpayment on stamp duty 2 years ago
    Update all this months accounts
    Move £50 into each of the EF and Xmas fund
    Post eBay sale

    I feel like a weight has been lifted and hoping the temp job last at least a few weeks. It!!!8217;ll help us get back on track and my plan is to save every penny towards the 2k pot.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • ramblehan
    • By ramblehan 2nd Feb 18, 1:33 PM
    • 592 Posts
    • 1,217 Thanks
    ramblehan
    Congrats on the tax refund - that's fantastic - and having seen your lists of what you achieved, I think you should take 5 mindful minutes and just congratulate yourself!! If this is you not doing too much - I'm scared to see what you'll be up to when you are fully on it! Puts me to shame.

    Good luck with your savings xxx
    • Choccygirl123
    • By Choccygirl123 3rd Feb 18, 10:14 AM
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    • 111 Thanks
    Choccygirl123
    Thank you for your kind words rambkehan. I love lists, but never see them as a positive. It!!!8217;s more of reminder we!!!8217;ve been stupid.

    I guess I!!!8217;m super critical of ourselves for getting into this state and frustrated it!!!8217;s so slow going. Hubby earns a decent wage but we manage to blow it all! I earn peanuts really, but my job pays for the kids trips and things. I!!!8217;ve set first part of this year just to get focussed and create good money habits.

    I love reading the dairies here and take great motivation from them, but they do make me realise I!!!8217;m playing at moneysaving. Our debt has built up from
    Buying housey things and the car. I kick myself for not being more controlled abd saving. Hey-ho too late now, but This diary is my turning point.

    I!!!8217;ve moved £50 into my Christmas 18 account abd £75.38 into our EF. The tax rebate is sat in my account untouched. I!!!8217;m hoping every penny can be added to the saving pot as we currently have 0/£2200.

    I crave for a debt free life, one with a safety buffer emgerdabcy
    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 Feb 18, 4:38 PM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Just sat watching the rugby and thought I need to update my targets for the first quarter that I set just before new year, so Iím tracking our progress.

    Emergency fund £126.02 saved/ £400 target
    Christmas saving £100 saved / target £50 a month - on target
    Paying off kids school trips £155 paid / £584 Target
    House repair savings £0 saved / £2200

    I do have my tax refund squirrelled away and am hoping to save £800 into house pot. I have budgeted every penny included two pairs of new school shoes and trainers for youngest. Itís also her birthday and weíve got half term to survive. Iíve got a Ďspareí £126 from
    The tax refund but like the idea of s littke buffer just in case.




    Slow going progress wise as had a pothole wreck a tyre £95 and then a in-fixable puncture. The other rear tyre needed replacing and was advisory on mot, so got the matching pair £220. Three tyres in less than two weeks is gutting. The positive thing is that itís made me realise we need the emergency fund because things do happen!

    The freezer is full once again and tomorrow Iíll just need fresh bits and bobs for the coming week. Hubby working away 4nigtz so just the kids and I, which will save the shopping bill.
    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 4th Feb 18, 7:30 AM
    • 482 Posts
    • 858 Thanks
    Storm89
    That's annoying about the tyres but agree it's why it's so important to have the emergency fund. I'm hoping against hope that I manage to hold on to a lot of my savings for debt repayments later in the year but I forget how things can crop up. The savings look like they're going really well especially with replacing the tyres
    • Choccygirl123
    • By Choccygirl123 5th Feb 18, 9:08 AM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    You!!!8217;re right storm, something always pops up!

    The good news is that all my bills and direct debits have paid, I!!!8217;ve squirrelled £750 into the house savings. I!!!8217;m not going to lie, our joint account balance isn!!!8217;t great, but it could be worse. Hubby took £100 to cover his expenses whilst away with work. The kids and I have nothing planned this week and will eating from the store cupboard and freezer. Feb is going to be a quiet month thankfully and I!!!8217;ll be trying to have as many nsd as possible.

    I start my second job this week, so hopefully will be paid at the end of month. I!!!8217;m not sure how the extra hours will impact the housework, money watching and meal planning but I need to do something. I!!!8217;ll need to be more organised and get into a tountine. I!!!8217;m aiming to keep overdraft use to a minimum.
    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 Feb 18, 9:10 AM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Arrrrghhhh the 8217 thing is driving me mad. It!!!8217;s from the use of apostrophes....perhaps I just need to stop using them
    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 Feb 18, 6:37 PM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Talked dd1 into coming to Aldi to help me the dreaded food shop. Spent a whopping £42 but should be sorted until at least Sunday.

    I did have an eBay sale yesterday if our old kitchen handles for £39 - the profit will go into joint account up try and keep that afloat. The only problem is I do not know where hubby has put them. Not working until tomorrow after do will dig through garage junk and hopefully find them.

    Nothing else to update on the money saving front apart from Hubby took £100 our joint to cover food etc whilst he is working away and then paid for a Burger King on the joint account. Grrrr we will be having words.

    The budget is really tight this month but we!!!8217;re sticking to it. I am hoping this will be our last month creeping into the overdraft - I can not wait! I hate seeing my wages hit the account abd clearing what is o/s that month. My target was to not to touch it from jan, but with some big unexpected bills there has been no choice.

    I am going to try and claim my over paid stamp duty from when we purchased our house - long story but incentives should be deducted from price and stamp pay on lower amount. By my maths I work it out to be around £700 refund. It can takes months but I am happy to wait if they do refund it.

    Currently laid in the bath in agony with my back. It has been grumbling away fir weeks now and I need to see someone, it is all extra expense. I am all for money saving but need to be able to walk after driving.
    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 Feb 18, 8:55 AM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Planning a nsd today as fridge, freezer and cupboards are full. My back is agony so having a lazy morning.

    Have a mortgage telephone appointment at 9:15 and feeling really nervous. Not sure why, is a straight forward new deal with same bank. The list of documents they require is crazy!
    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 27th Feb 18, 12:03 PM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    I have not posted for a couple of weeks and what a month it has been. One of the kid's birthday and all the expensive that goes with that, then school trips and the usual kid related costs.

    Hubby and I chatting and have agreed to work our budget out differently this month. Normally my wages are included and they cover overdraft fees. However, we have decided this month will be slightly different. My wages went in yesterday £405 abd i have moved the £125 from our EF which after over draft is cleared leaves us with £86 in credit. I owe £40 for a scout deposit for trip which I will pay later, so spent the other £46 on big shop. We now have enough food to last the week and are officially starting the month at zero.

    Hubby gets paid tomorrow and hopefully my new second job will also hit the account (around £145) it's going to be a tight month, but we hope that starting at 0 this month will finally get us out the overdraft. We have nothing in our EF which needs sorting, but baby steps!

    Have sold couple of things on eBay around £20, but used the money in my paypal account and bought the groupon 5 cinema tickets for £20. Should have saved the money, but know thus money going to be a long one and it would be nice to take the kids to cinema for a treat.

    That is my update for now.
    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 28th Feb 18, 8:27 AM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Pay day at last!

    I am feeling really positive for first time in a long time and I think it is physiological because we are not playing catch up. Deciding my main wages is to clear overdraft and we have not included it in the budget feels great. We have a realistic budget budget and are going to scrimp, save, sell and budget this month to make sure we end the month in credit.

    The good news is my new job has paid me and that's an extra £144 this month. It is going to be tight as we have a lot of kid expense school trips, scout camp and rugby boots to buy. I have been thinking about posting my soa, but know I have cut it back as far as it will go due to sky and mobile contracts.

    We have a good amount of income but high outgoings too. It seems true when people say you spend what you earn.

    Mini targets this month :
    be in credit at end of month
    Make an extra £50 selling have few bits on eBay but need to list more
    Try and clear as much of kids trips as possible
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • ramblehan
    • By ramblehan 2nd Mar 18, 11:39 AM
    • 592 Posts
    • 1,217 Thanks
    ramblehan
    Hiya - well done for starting at zero. Even if you have to dip in a tiny bit at the end of the month it is all good progress.
    • Choccygirl123
    • By Choccygirl123 4th Mar 18, 11:17 AM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    We survived the snow just!
    Thanks ramble- It's the first time we started at zero in years. It feels like a small victory, but a huge turning point. With the budget so tight, I don't think there will be much left before pay day, but even if it's 10p I'll be the happiest choccygirl ever.

    We have nothing planned socially and planning a quiet month. We have a trip to the rugby in the already in the budget and the groupon cinema tickets I bought with the kids, but that's all in March.

    The snow has been amazing and helped with the spending on food and fuel. One car hasn't moved since Wednesday and the other since lunch Thursday.

    We've had 3/4 nsd and spent £12.36 in one hit in local shop on chocolate treats, milk and bread to get us through the snow. It's made me focus on food planning and my cupboard stocks. We live in a really rural area and we were officially cut off for two days. My food plan for this month is to empty the one full drawer in the freezer, do I can place a muscle food order as have a £20 voucher to spend.

    Today will be a lazy day abd I'm planning on catching up with some household stuff and ironing with another nsd. Secretly hoping school buses cancelled tomorriw as roads bad, but I know that's highly unlikely!
    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 Mar 18, 1:48 PM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    I'm currently polishing my halo for my meal planning. We had three very rude Brian bananas festerungbin the fruit bowl so used them abd random few left over blueberries in a banana loaf.

    I've cleared my veg draw and basket abd made soup, peeled spuds for mash tomorrow and made chips fir the air fryer later. I've done my meal planning until Friday evening and jiggled the menu to suit expiry dates....hence fish and chips tonight! Very strange in our house because we always have a roast!

    I'm looking after my friends daughter Tuesday evening and she won't eat chicken so had to swap meals around.

    I'll need a little top up shop for lunch bits, spuds and bread but hoping to keep it under £10.
    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 Mar 18, 9:43 AM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Time for a target update from 31/12/17 to today
    Apologies already for the long post, but I'm going to update our progress over the first quarter of the year. I know only start of march, but the wages are in and we know the outgoings and budget already.OveralI it's two steps forward and one step back. We've had a bumpy start to the new year with lots of car expense from tyres and general maintenance. We decided the first three months would be us getting back on track, getting control of our budget again, trying to increase our income from selling and work and just being more money savvy. I'm really pleased with our progress, but frustrated it's been so slow going. The EF and Xmas accounts have had money in them, but I made decision that clearing the Overdraft was the priority so we looted them.

    PROGRESS UPDATE JAN/FEB/MAR
    2 ZOPA LOANS COMBINED OUTSTANDING 31/12 £16271.56 - 5/3 £15664.63
    HOUSE SAVINGS SAVINGS TARGET 31/12 £0/£2200 - 5/3 £1000/£2200
    SCHOOL TRIPS OUTSTANDING 31/12 £384 - 5/3 £329
    EMERGENCY FUND TARGET 31/12 £0/400 - 5/3 £0/£400
    CHRISTMAS 2018 - TARGET £50 per month - 5/3 £1.04
    EXTRA INCOME SECOND JOB Feb £144.00 / Mar hoping £200
    SELLING THE CLUTTER - Jan £97.10 / Feb £17.72 / March £15

    I'm really pleased with our progress and hopefully February was the last month of ever using our overdraft! I've found a second job and have been trying to sell the junk. It's hard going but have made a total of £129.82 which has been swallowed up with everyday spending.

    APR/MAY/JUN TARGETS
    NOT USE THE OVERDRAFT
    Earn £200 min every month from second job
    Save £1200 for House Repair (by mid May )
    Pay £329 to clear all outstanding school trips
    Pay £250 for the kid's music lessons for summer term
    Save £250 into EF
    Save £500 towards a summer holiday
    Save £150 towards Christmas 2018

    Wow.....there it is in black and white - the ramblings of a crazy choccygirl. We've a lot of things to save for, so i better keep on track and try and sell, sell, sell!
    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 Mar 18, 12:09 PM
    • 104 Posts
    • 111 Thanks
    Choccygirl123
    Shopping & Nsds
    The snow days has been amazing for my shopping budget and nsd. Have been slowly clearing my store cupboard and have planned our menu until Saturday.

    Quick trip to Aldi and only spent £30.59 so pleased with that to cover the week and my first food spend of March.

    I did have another sale last night from eBay £10....so my total so far in March is £25
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    • ramblehan
    • By ramblehan 12th Mar 18, 10:10 PM
    • 592 Posts
    • 1,217 Thanks
    ramblehan
    Hey Choccy girl. Just catching up - well done you for saving so much in your house pot - and overall I think making the decision to get out of the overdraft is definitely the right thing to do, as you will then be starting on terra firma. Me and DH got rid of the overdraft years ago, but its the CC's that have been our nightmare - I'm building up to get rid of ours completely but need a BIG EF stash before that happens - Perhaps by the end of the year.

    Onwards and upwards - you are doing great xx
    01/03/18: £21,270 DFD: Dec 2035
    2018 challenge - 148.64/£3,670 (4.2%) as of 25.04.18
    Sign up for YNAB via my link if you fancy it - thank you!
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