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  • FIRST POST
    • PositiveBalance
    • By PositiveBalance 1st Jan 18, 10:54 PM
    • 755Posts
    • 3,795Thanks
    PositiveBalance
    Positive Balance: Focused on Budgeting
    • #1
    • 1st Jan 18, 10:54 PM
    Positive Balance: Focused on Budgeting 1st Jan 18 at 10:54 PM
    Hello everyone and happy New Year!

    I'm back. A bit shamefacedly, but here I am.

    I shuffled off to the MFW boards once I bought my house 2 years ago, shiny-faced, naïve and hopeful that I would be able to debt-bust and overpay my mortgage all at the same time.

    Then reality hit and I needed to repay a large chunk of my debt back to source quickly - more quickly than I would have been able to based on my rather meagre wages - so I took out a 0% credit card and paid everything I could against it (bills, shopping etc.), stashing the cash I would have used for those in a bank account and using that to pay back the debt.

    Now it's time to pay the card back.

    I've still got the remaining balance on the debt to repay, but I'm going to focus on paying the CC back first (subject to change if necessary).

    This past year has been financially tumultuous with making sporadic payments on an as-necessary basis.

    This year I need to get a bit more structure. I've also realised that I am not great at creating budgets and sticking to them, so that's also my aim: I need to be sure where every pound and penny is going and be able to stick to it.

    I'll be back soon with more (including SOA) but I just wanted to post this while it was still New Year's Day.

    At time of this first post debt repayments stand as follows:

    Original debt: £11639.02
    Repaid to source: £6000.01*
    Remaining balance due to source: £5639.01
    Credit card balance: £4999.10

    So here's to a structured and thoroughly boring financial year ahead!

    *Yes, I did make an extra payment last night to get it to over £6K repaid in time for the New Year. Call me superstitious if you will!
    Last edited by PositiveBalance; 07-03-2018 at 12:49 AM.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
Page 1
    • PositiveBalance
    • By PositiveBalance 1st Jan 18, 10:56 PM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    • #2
    • 1st Jan 18, 10:56 PM
    • #2
    • 1st Jan 18, 10:56 PM
    *Reserved for SOA*
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 3rd Jan 18, 1:32 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    • #3
    • 3rd Jan 18, 1:32 AM
    • #3
    • 3rd Jan 18, 1:32 AM
    Hi all,

    I just typed a longish post and my computer has eaten it.

    It's too late to write it all again so I will be back to write up today's events at a more reasonable hour when the wind is not quite as lively.

    CC min payment plus £1 extra paid off today bringing balance down to £4887.73.

    Other financial shenanigans today have been less fun, but that's a considerably longer post so I'll deal with that when my computer isn't quite so hungry!

    Sleep tight, y'all!
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • redofromstart
    • By redofromstart 3rd Jan 18, 8:04 AM
    • 1,768 Posts
    • 10,785 Thanks
    redofromstart
    • #4
    • 3rd Jan 18, 8:04 AM
    • #4
    • 3rd Jan 18, 8:04 AM
    Good luck with the diary, and your journey. Its always worth trying pressing 'control and Z' together if MSE eats your post. Sometimes it brings it back.
    • PositiveBalance
    • By PositiveBalance 3rd Jan 18, 8:21 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    • #5
    • 3rd Jan 18, 8:21 AM
    • #5
    • 3rd Jan 18, 8:21 AM
    Good luck with the diary, and your journey. Its always worth trying pressing 'control and Z' together if MSE eats your post. Sometimes it brings it back.
    Originally posted by redofromstart
    Thanks redfromstart - I tried that but alas, it didn't work.

    In better news, so far it has been a NSD! (Won't last, I'm just out of bed. )
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 8th Jan 18, 12:59 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    • #6
    • 8th Jan 18, 12:59 AM
    • #6
    • 8th Jan 18, 12:59 AM
    I'm back - at long last!

    It has been an eventful week and I have a house guest meaning that I don't get a lot of time to myself for plotting, planning and diary updating purposes.

    This week my mortgage moved from my old provider to the new one. This hasn't gone without a hitch as the old provider took out a larger than normal DD from my account for what the payment would have been if it had gone up to the standard variable rate. I need to get this back. Luckily, I've just had written confirmation that my new mortgage won't start until next month so I need so speak to the old provider tomorrow morning to get my money back then pay the remaining mortgage broker fee!

    Alas, the budget I have yet to post on here has not been doing well: due to having a guest has resulted in the budget being blown somewhat in terms of food and spontaneous outings which have not been accounted for. It's lovely having this person to stay, but things are getting arranged with other people without me knowing meaning that I end up finding myself going out for dinner or similar which I have not planned for. Grr!

    Spends today:

    35p fruit (reduced)
    £6.83 lots of Christmas cards, wrapping paper etc, for next year at up to 75% off.

    There has been quite a bit of other spends etc. but I had better get to bed as tomorrow morning will be too soon here.

    I'll update more when I can get online.
    Last edited by PositiveBalance; 08-01-2018 at 1:11 AM.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 8th Jan 18, 11:48 PM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    • #7
    • 8th Jan 18, 11:48 PM
    • #7
    • 8th Jan 18, 11:48 PM
    Old mortgage provider consulted: one refund on the way.

    £250 broker fees paid.
    I need to get my receipts together for the rest - it was an unexpectedly expensive. Grr!
    Last edited by PositiveBalance; 09-01-2018 at 12:19 AM.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 18th Jan 18, 12:09 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    • #8
    • 18th Jan 18, 12:09 AM
    • #8
    • 18th Jan 18, 12:09 AM
    I'm back!

    I've had a houseguest, which has been lovely but totally kept my eye off the ball. My guest has left, which is sad but means I can get myself back on track again.

    Things have been busy and there are lots of big decisions to make over the next few days (more on that later).

    In the meantime, I paid another £200 off my debt, which has pretty much messed up my budget for the month. Couldn't really be avoided, though.

    I'll be back with an update and figures soon.

    Total debt repaid to source as of now: £6200.01 (53%)

    Hope you are all keeping well.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 31st Jan 18, 1:08 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    • #9
    • 31st Jan 18, 1:08 AM
    • #9
    • 31st Jan 18, 1:08 AM
    *Peers over edge of thread*

    Is it safe to come out? I won't get deleted like all the other threads, will I?

    *Climbs over ledge of thread and dusts self off*

    Right, well that was January. And a total wash-out it was, too.

    Perhaps that's a little unfair: I did pay off the remaining £250 to the mortgage broker and £200 to the debt *and* stock up enough washing powder/liquid/fabric softener, kitchen cleaner, toilet rolls etc. and expensive dried cat food at a discount that I should not have to buy any again for the rest of the year (except toilet rolls and perhaps a little cat food).

    Having said that, I should still be relatively rich as I had no mortgage payment last month. And it has vanished. Completely. Utterly.

    I know I had a guest stay and that I've spent more money than normal, but this is *ridiculous*, especially since I had some money from overtime as well.

    This cannot and will not happen again. I should have been able to make a decent start to repaying the CC, but I did not. It has not been in vain, though, as it has been one of the things that has made me reassess my situation very seriously.

    I want to post more (including budget) but this will mean one of my overly-long posts which will probably make you fall asleep so I will return with a few shorter ones tomorrow.

    Sleep tight. Don't let the bed bugs bite etc.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 31st Jan 18, 11:18 PM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    Right: to business...

    Here's the budget I've worked out. Overtime figures are just for this month as they vary monthly.

    I've written down my basic salary and any overtime I will include each month as a separate figure when I know how much it is. (Truly, my workplace goes out of its way to make it as hard as possible to figure out how much you will get paid until you receive your payslip.)

    Basic salary: £1255.83
    Overtime: £242.13
    Total: £1497.96

    Budget:

    Mortgage: £268 (nearest whole figure)
    Council Tax: zero (all this month and all next month )
    Water: £27.90
    Gas & Electric: £50.00 (was less but just upped DD cos winter)
    Food: £200.00 (guestimate)
    T'interweb & landline: £39.50
    Mobile: £10.50
    Public transport: £74.10
    CC min: £109.97
    Union @ work: £8.87
    Xrcise class: £27.00
    Clothes*: £50.00
    Holidays*: £50.00
    Presents*: £50.00
    Fun*: £50.00
    Prescriptions*: £8.60
    Parental expenses: £50.00
    Total: £1074.44
    Difference between base pay and this month's expenses: £181.39 (excluding Council Tax)

    As for the *s:

    Clothes: have only bought the absolute (and I do mean absolute) basics for the past few years: I'm a walking scarecrow. With holes in.

    Holidays: not something I have budgeted for previously, but I'm going to have to make at least 1 trip this year I simply can't get out of, so better to predict it then stick my head in the sand. I'm also cross that I have had to miss the opportunity to go to visit a normally long distance friend in order to sort this out but needs must and maybe this has been a LBM for me to tell me that I need to sort this out.

    Presents: I don't spend this every month (or even close) but it will create a buffer for Christmas/Easter etc.

    Prescriptions: not every month.

    This month's extras:

    Passport photos
    Passport
    Greenhouse plastic cover: £8.00 (apparently)

    Boots (hopefully)
    Spectacles (shunted to next month - I'll be lucky if I get the boots this month)

    The past year of my life has been incredibly reactive in terms of repaying debt, so this year, while the pressure is off (a modicum) I am trying to be proactive and anticipate debts instead of reactive and spend the time chasing my tail down to the last penny as I had to do at some points last year. (It was squeaky to say the least, at times.)

    According to everything I have read, I can see another economic crash coming so I want to ditch the consumer debt in particular ASAP. So my principle aim this year is to pay off the CC.

    The CC is currently at 0% until June, so I will hunt for another deal in May and save as much as I can until then to pay off just before transferring to, hopefully, another 0% deal to help me kill it forever.

    I'm aware that doesn't include the remaining debt due to my parental, but I'm doing what I can.

    I calculated that to pay off the £4999.167 balance in year would mean paying off, initially £416.64pcm and since January was a total washout that has now increased to £454.42pcm. If I keep doing 3 days overtime a month, though, I should kill that, especially if I manage to sell online lots of stuff cluttering up the house in the meantime.

    Since then I have since had a £2.50 refund onto the CC (and should expect a further £30.00 refund in a few days (a refund yet made so not counting chickens until they have hatched yet etc.), reducing the balance to £4997.17 for now.

    So here I go. Many more updates to follow.

    Wish me luck!
    Last edited by PositiveBalance; 31-01-2018 at 11:20 PM.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • enthusiasticsaver
    • By enthusiasticsaver 31st Jan 18, 11:31 PM
    • 6,614 Posts
    • 13,915 Thanks
    enthusiasticsaver
    Ambitious target. Good luck in paying the card off this year. I always find guests throw my budgets too.
    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
    • PositiveBalance
    • By PositiveBalance 31st Jan 18, 11:44 PM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    Ambitious target. Good luck in paying the card off this year. I always find guests throw my budgets too.
    Originally posted by enthusiasticsaver
    Thanks ES!

    Honestly, I should have been SO rich this month (comparatively speaking) but I haven't been. I've stocked up on lots of things that will save me money throughout the year but still...

    I've not been descriptive enough. My minimum payment on my CC is approx. £110 but will naturally go down a little each month. I'm planning on saving the difference between that and £452.52 each month (although I will make an additional £1.00 payment on top of the min. payment so it looks like I am paying more on than the minimum on my credit file.)
    Last edited by PositiveBalance; 31-01-2018 at 11:50 PM.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 2nd Feb 18, 12:38 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    Back again...

    ...so my mortgage, water and union fees have gone out today.

    I tried to make a £1 extra payment on my CC but it is still pending authorisation, apparently. Strange.

    I missed my exercise class this week so that's £6.50 put in the CC pot.

    £65.00 spent on bust pass for the month plus £7.00 for a day pass to get me to the start of the month. This takes me over my monthly budgeted amount already. Grr.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • enthusiasticsaver
    • By enthusiasticsaver 2nd Feb 18, 8:54 AM
    • 6,614 Posts
    • 13,915 Thanks
    enthusiasticsaver
    well done on putting the money saved from missing exercise class into cc pot rather than spending. Aren!!!8217;t you still within your travel budget? £72 spent and £74.10 budgeted?

    Why do you need a month pass and a day pass?
    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
    • PositiveBalance
    • By PositiveBalance 2nd Feb 18, 10:54 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    well done on putting the money saved from missing exercise class into cc pot rather than spending. Aren’t you still within your travel budget? £72 spent and £74.10 budgeted?

    Why do you need a month pass and a day pass?
    Originally posted by enthusiasticsaver
    Hi ES

    I was very tired last night and not doing the sums properly. Essentially, it WILL take me over the budget although it has yet to do so cos the remainder of the budget was for the odd random tram fare I have to take.

    Bus passes where I live are 28 days. If you buy a 28 day one it works out as £7 cheaper than buying the weekly version. I paid the £7 so that I could buy the 28 day pass on the first of the month so I don't have to buy the next before I get paid next. This will only work this month as it is a perfect 28 day month so I'm going to have to figure out a cycle for this. Or get my bike out once the weather improves a bit!

    I forgot to mention that I need to get a new passport this month and therefore passport pics and pay entrance for a charity even I will be doing in a few months. Due to some good luck it will cost me less than expected.

    I"m about to get off the bus to work so I'll update that later, along with everything that has vanished from my account these past two days.

    Bills, bills, bills to quote Destiny's Child.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 6th Feb 18, 1:12 PM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    Hello. Quite a lot has happened since I updated last. I keep meaning to update my diary but I always leave it until the night and find myself falling asleep! !!!55357;!!!56884;

    I'll be back short with a proper update (hopeful tonight) so I can fill all my spending and update my budget as it looks as though I was a bit inaccurate with some bills.

    My updates have been irregular but my light bulb is still burning bright so I. Am. Not. Giving. This. Diary. Up. (Even if I don't fill it in daily like some people do, those good students of finance!)
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 7th Feb 18, 12:18 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    So here I am, promised!

    It turns out that I was out with a few of my figures...

    Budget:

    Mortgage: £268 (nearest whole figure) £263.10. Will be £267ish from next month. Random.
    Council Tax: zero (all this month and all next month )
    Water: £27.90
    Gas & Electric: £50.00 (was less but just upped DD cos winter)
    Food: £200.00 (guestimate)
    T'interweb & landline: £39.50 £40.99 This seems to have snuck up. Again. Au revoir, sneaky provider!
    Mobile: £10.50 £20.47 WTAF! Think you'll be following the sneaky broadband peeps!
    Public transport: £74.10 (hmm...going to be more)
    CC min: £109.97
    Union @ work: £8.87 £8.96 annual increase applied ruthlessly
    Xrcise class: £27.00 (missed 1 - £6.50 - so have put in savings)
    Clothes*: £50.00
    Holidays*: £50.00
    Presents*: £50.00
    Fun*: £50.00
    Prescriptions*: £8.60 (none this month so sent to savings)
    Parental expenses: £50.00 £400.00. Blown out of the water. Wasn't expecting it to be this soon.
    Moggy flea treatment: £4.00 (totally forgot to factor this in)
    Total: £1074.44 £1432.09
    Difference between base pay and this month's expenses: £181.39 £65.87 (excluding Council Tax)

    What a difference a few days makes!

    Right, so the mobile phone bill is huge in comparison to normal. I know I snuck over on data a tiny bit at the end of last month, but that seems extreme, even for that. I've been planning on getting a new monthly deal for a while as I'm only just keeping to my 1GB data allowance, but I could get unlimited EVERYTHING for that kind of money, so I think changing just rocketed up my list of priorities.

    Same with t'internet and landline: I need to have a high number of minutes calling abroad which limits the number of deals I can get, but I've had enough of this provider and how they sneak price increases in a very underhand way. You are also on my sh*t list.

    Parental expense: I was hoping this wouldn't come so early in the year but I should have realised that it probably would, so I think it's fair to say that this particular part of the budget has been well and truly overshot. Thank God I have the money there when I needed it!

    I've just created a 2 page spreadsheet to keep my spending accurate and up-to-date and even a few days into the month I have managed to lose some receipts (I think!) and rack up more of a food bill than I had hoped!

    I won't bore you with any more in this post as it would be far too long but I will come back to it again shortly.

    Before I go:

    Credit card: £4999.67 £4886.20
    Mortgage: £74,100 £73955.82
    Last edited by PositiveBalance; 07-02-2018 at 12:23 AM.
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 7th Feb 18, 9:51 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    From reading another person's diary I have just realised that you can fix the CC DD to take a fixed amount each month. I didn't know that - what a revelation! I've now fixed mine to £110pcm meaning that it streamlines the repayment process making it easier to budget and I don't have to worry about paying the extra £1 overpayment each month to make it look like I'm overpaying on my credit file. Result!

    I've also realised I haven't included my works lottery at £10.00 every 5 weeks in my budget or my monthly savings for my house building and contents insurance, so I'll have to do them when I get home from work.

    Ciao for now!
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • PositiveBalance
    • By PositiveBalance 8th Feb 18, 11:34 AM
    • 755 Posts
    • 3,795 Thanks
    PositiveBalance
    Yesterday's spends £6.50 for my exercise class.

    More updates to make but typing on my phone so I will wait til I get to my laptop else the number of typos will be horrendous!
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £
    3326.64 (£381.64 on existing card: £2945.00 BTed)
    Emergency Fund (#187): £0/£500
    Terrimundi: fleeced!
    • WannabeFree
    • By WannabeFree 8th Feb 18, 11:40 AM
    • 1,625 Posts
    • 14,191 Thanks
    WannabeFree
    Are you in contract for your phone?

    I totally recommend Giffgaff if not. I swapped once my contract ended and I usually do the £7.50 a month one but when I go away etc I change upwards for more data. I like you can change which 'package' when ever you want.

    Worth calling the broadband provider and haggling a better deal?

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
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