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
    • Debtnomoreplease
    • By Debtnomoreplease 30th Jan 18, 7:36 PM
    • 96Posts
    • 215Thanks
    Debtnomoreplease
    New diary
    • #1
    • 30th Jan 18, 7:36 PM
    New diary 30th Jan 18 at 7:36 PM
    Thought I'd better start a new diary as mine was deleted! I found logging my thoughts, no spend days etc really helped me.
    Here goes:
    Debt 1-OD of 2500, but will be 2000 (500) will be paid off tomorrow.
    Debt 2-CC 1 of 900
    Debt 3-CC 2 of 600
    Today, 30.1.18 my debt stands at 4,000. However, tomorrow it will be less than 3,500.
    I'm going to pay minimums on my CC need to find the bill to check what they are.
    Will add totally debt tomorrow when paid bills etc.
    Although this debt did start at just over 11,000, sadly, I have only this month found this site. I'm towards the finish line (obviously wishing I was there now) this debt has followed me around like a bad smell for years now, and it's been far from a stroll in the park!
    I'm aiming to be debt free by June at the latest. I've got a second job on top of my full time job, and I'm getting as much overtime as possible.
    Also, I have zero savings, so this is something I need to try and do too-I'm screwed if there's and emergency!
Page 4
    • Debtnomoreplease
    • By Debtnomoreplease 7th Apr 18, 4:06 PM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Saturday-was planning on doing nothing tonight and watching rubbish on TV, whilst regaining some energy. However, my friends sister has messaged me asking if I can babysit tonight (they've been let done by his sister) I've babysat a few times before, so it's not too bad. Try are going at 7pm and said they'll be no later than 12. Said they'll pay 20 and bung a pizza in the oven for me-free tea would of done me just fine! I might as well earn an extra 20 instead of slobbing!

    I can have a lie in tomorrow bad a chill day all day so not too bad.

    Will dig some games out to play with the kids tonight and they've got Netflix-even better! Infact, thinking free tea and films I wouldn't need the 20, but if they're offering ;-)

    Fingers crossed all goes well! :-)
    • Debtnomoreplease
    • By Debtnomoreplease 8th Apr 18, 12:26 PM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Finally a day off!
    • Debtnomoreplease
    • By Debtnomoreplease 8th Apr 18, 12:29 PM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Finally a day off!

    Earnt an extra 20 last night-babysitting. They did get back an hour later than they said , but I didn't mind.

    Feeling tired today, but need to motivate myself and get organised for the rest of the week. Positive on a Monday morning is always a good start to the week!

    Will check in later and fill in how motivated I was-job one is coffee!
    • Debtnomoreplease
    • By Debtnomoreplease 8th Apr 18, 3:54 PM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Managed to motivate myself and get up off the sofa and do something productive!

    *Ironed the pile of clothes for the rest of the week.

    *pasta made for tea and will do for tomorrow's lunch.
    *made soup for the rest of the week (waiting to freeze)
    * decluttered and feels so much better!
    I really do feel happier with less, clutter just makes me feel stressed!

    Candles are lit, feet are up and about to start reading a new book-bliss!

    NSD, I'll pop to the bank tomorrow to put last nights 20 in the bank-better in there than in my purse! It's 20 I wouldn't of had, so going to pretend i don't have it, so can pay another 20
    Off OD. I know it's not much, but better than wasting it on rubbish.

    Happy Sunday!
    • fatrab
    • By fatrab 9th Apr 18, 1:01 PM
    • 837 Posts
    • 1,911 Thanks
    fatrab
    It's the little savings that have had the biggest impact for me so far, all those twenty quids here and there make a big difference!


    I'm also with you on the de-cluttering. I did it a few months ago and it felt great. Even just having a good tidy up helps, spent a good hour yesterday just going through things that were starting to accumulate around the house.


    You must be feeling pretty positive and looking forward to the end of this month, you're on the home straight
    You can have results or excuses, but not both.
    May's targets - Lose 1 stone - 6lbs off, 23/31 AFDs, 14/18 lunches.
    37 x 2 coins (#32) - Wannabe debt free by Dec 2022
    • Debtnomoreplease
    • By Debtnomoreplease 15th Apr 18, 11:46 AM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Sunday again! Not sure where time is going?!

    Managed some more overtime this week, will be worth it at the end of the month! Hoping by end of April to have my debt in the very low hundreds at least (will work on zero!) but might not get there at the end of April, but 100% by the end of May!

    I'm still drawing up saving plans, and for when I'm 100% debt free. I'm so used to paying out large chunks of money on debt, I'll have no problem saving instead. I'm still going to give myself so much a week/month (maybe 50-100) more a month when debt free, but anything by the end of the months that's not spent will go straight into savers account (won't be spending it for the sake of it) will just be nice to have a little extra. I'll also be able to cut down on the overtime a little once I've got my saving pots where I want them. Feel like all I've done since after Xmas is work, work, work-although, im well aware that's all my own fault for getting into debt. I've well and truly learnt the hard way over the years and will not be getting myself back in the mess again! Money or head wise!

    Today, I need to shift my bum and jump in the shower! I've had a very lazy morning reading dairies etc on here, which do 100% focus me and motivate me!

    Today:
    Make lunches for the week
    Sort ironing, clothes etc
    Read next chapter of my book (I make myself read a chapter at least a day-saves staring at the TV)
    Walk to the shops for some milk (1)
    Pop to fiends, but think I'll walk (saves on petrol and much more healthy)
    If time later, look at debt busting for the rest of the month and re-look at savings plans (this motivates me)
    • Debtnomoreplease
    • By Debtnomoreplease 18th Apr 18, 8:53 PM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Wednesday wobbles! I have always hated Wednesday's, it's my worst day at work (busier than the others) And I always seem to have a mid week slump!

    Feel exhausted and work, overtime and other job to fit in this week yet! I can't wait for Sunday! Feel I waste my day off though, as too tired half the time to do anything. But it's not forever, I will be debt free next month! I won't this month now, thanks to two flat tyres I had to replace!!! The joys or British roads-shocking!!!

    Anyway, off to bed, got some overtime in tomorrow, so early start and late finish.

    Oh well, soon be pay day! And my debt will be below the 500 at the minimum, hoping for more!
    • fatrab
    • By fatrab 20th Apr 18, 6:12 AM
    • 837 Posts
    • 1,911 Thanks
    fatrab
    I'm starting to dislike Tuesday almost as much, if not more, than Wednesday! At least on a Wednesday at lunchtime you can tell yourself you're past the half way point!

    Bad news about the tyres, sorry to hear that. I buy mine mail order from either Camskill or Mytyres and have them fitted by a mate so it works out hell of a lot cheaper than using any of the chain tyre and exhaust places.

    You've really got stuck in and smashed your debt so don't be too disheartened that it's not going to be cleared just yet!

    Once you have an emergency fund and some general savings these wee things that are sent to test us will be a lot easier to cope with.

    You can have results or excuses, but not both.
    May's targets - Lose 1 stone - 6lbs off, 23/31 AFDs, 14/18 lunches.
    37 x 2 coins (#32) - Wannabe debt free by Dec 2022
    • Debtnomoreplease
    • By Debtnomoreplease 20th Apr 18, 9:22 PM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Absolutely agree Fatrab...everyone must have a day they dislike, surely?! How are you getting on? Will check in on your diary too x

    Luckily, I don't have an expensive car...cheap banger! But it's paid for and not on finance, which I'm forever grateful for! Still was an unexpected expense!

    I do best myself up a lot over these little blips, but like you said- a good emergency find wouldn't of been a problem or worry. I can't wait to be 100%debt free and have a great emergency fund! Will get there, just takes time.
    • fatrab
    • By fatrab 21st Apr 18, 6:56 AM
    • 837 Posts
    • 1,911 Thanks
    fatrab
    I'm doing ok, thanks for asking x

    I've just got a bigger pile of debt that's going to take longer to shift so slugging it out month to month is going to be monotonous for a while but I hope to be free from my unsecured debts in around a year (assuming I get my car sold and buy a cheaper one) and then my mortgage completely gone in around 3-5 years.

    I know that sounds vague but it all depends on what position I'm in when I remortgage. If the car is sold by then I'm going for a 3 year fix and then going to hammer the overpayments, if not it'll be a 5 year fix and just slug it out. I'll still be debt free before I'm 50 which was always my goal

    I'll be so happy for you on the day you make your declaration of debt freedom! I'm sure, like me, you'll never let things slip again. It's been a tough lesson to learn, but learning it while you're still young enough to sort it out is the important thing.

    As for your car (you know I like rambling on about cars lol) - it may be a banger to others, but it's your wee pride and joy. Look after it and it will look after you.

    Rx
    You can have results or excuses, but not both.
    May's targets - Lose 1 stone - 6lbs off, 23/31 AFDs, 14/18 lunches.
    37 x 2 coins (#32) - Wannabe debt free by Dec 2022
    • Debtnomoreplease
    • By Debtnomoreplease 29th Apr 18, 10:38 AM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Been naughty and not checked in for a while, but not because I've fallen off the wagon, but because I've been working, working, working.

    My first day off today and I'm going to get organised this morning for the week. Then perhaps have a little nap (had to force myself to get up or id of stayed in bed all day, I'm that tired.) and watch some junk of the TV-bliss day!! Not the most exciting, but about all I've got the energy for after the hours I've worked this week.

    Tomorrow can not come quick enough-although it's a Monday, which I usually hate! But it's pay day and the last day I'll ever be in my overdraft because it'll be all paid off-every penny and closed down! 2500-gone!!!

    I've planned my budget this week, so tomorrow I'll be paying 500 off my debt. Will look for a little wiggle room to the extra few pounds off etc. I want my debt at 400 tomorrow, no more.

    I'd love to have it all paid off tomorrow, but with life and expenses I just can't do it. However, on a good note-I'll be debt free next month!!

    I could pay the 200 out of my savings (put in monthly) this month and have my debt at 200, but that debt is on 0% so doesn't make any difference or sense, as if I have any emergencies this month (new tyres! Etc) then I'd be in trouble. So will stick with the plan. And what's 1 more month after, 4+ years of paying this debt off! So nearly debt free and some savings-it's defiantly a new start for me!! Never thought I'd be in this position!

    Although I'll be debt free next month, I'm going to keep working the overtime (maybe not as much) whilst I save my emergency funds etc.
    1) 2000 comfortable emergency fund, which if I do use at any point I will top up again etc-I don't want it under 2000 really.
    2) 3-6months expensive saved just incase etc
    3) car fund-1000. And so on. I will focus more on these when debt free and will continue to update on her with my saving pots-it's good for me.

    I just wanted to say a huge thank you to all of you on here. Especially Fatrab for your constant support.
    Enthusiastic saver you've no idea how much you've helped me with your advice on clearing my overdraft first...I'm just so glad I listened to you as if they took that back off me a few months ago, I'd of been in a massive mess-so thank you for talking sense into me. All your advice and encouragement on here has truly been amazing and extremely invaluble! I thank you again.

    Tomorrow I will make myself a nice tea to celebrate overdraft paid off-a nice piece of meat and veg I think. Cut back on the nice meats etc since Christmas-too expensive! Ha ha.

    Now time for coffee and to plan my weeks food/bills etc.

    Happy Sunday!
    • fatrab
    • By fatrab 30th Apr 18, 12:39 PM
    • 837 Posts
    • 1,911 Thanks
    fatrab
    Absolutely delighted for you! I'm so pleased that you've got the overdraft completely wiped out, I remember being stuck in mine every month, it was horrible.


    Please do keep in touch and let us know how you're getting on. I'm sure other folk will pop up in similar situations to yours and you can tell them your story and that it can be done!


    You've been so determined from the start and it's paid off. Well done
    You can have results or excuses, but not both.
    May's targets - Lose 1 stone - 6lbs off, 23/31 AFDs, 14/18 lunches.
    37 x 2 coins (#32) - Wannabe debt free by Dec 2022
    • Debtnomoreplease
    • By Debtnomoreplease 30th Apr 18, 5:33 PM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    30th April 2018-Overdraft done and dusted! To be no more!!!! Eeekkkkkk!!!

    My debt today stands at 399. I will aim to clear down to 350 by the end of the month.

    Money in savers, a few bits for the rest of the week and my
    Weekly budget set. Feeling super determined! I'm aiming to pay an extra 50 off last CC (luckily 0%) by the end of the month and have another 100 to put into my savers....planning on smashing the overtime in second job.

    January 30th 2018, my debt stood at 4000. I've overcome my biggest, scariest debt...2500 overdraft. I've been so focused to pay it off, as I was scared the bank would just one day take it away and leave me in a huge mess! The letter from Halifax stating they were changing overdraft fees late last year, really made me re-think....was I paying for nice things for myself? Nope, paying a lot of my wage to the bank!!!! Never again!!!

    Feeling chilled, happy and determined to clear 399 and get some serious savings behind me.

    Happy Monday!
    • pidge04
    • By pidge04 8th May 18, 10:32 PM
    • 122 Posts
    • 116 Thanks
    pidge04
    Your diary is so inspiring!

    How well you have done!

    I cannot wait to be in the same position as you one day.

    Amazing!
    CC1 2400/1721 CC2 3000/2589 LOAN 13,000/5916
    • Debtnomoreplease
    • By Debtnomoreplease 9th May 18, 6:37 PM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Thank you Pidge :-)

    I don't know where the last few days have gone!

    Anyway, still doing my nightly budgets and reading up on diaries etc...keeps me motivated.

    Still working second job and overtime, so feeling very tired...always seems to hit me mid week!

    Anyway, by the end of the month I'm hoping to be 100% debt free with minimum of 800 as emergency fund.
    • Debtnomoreplease
    • By Debtnomoreplease 20th May 18, 9:45 AM
    • 96 Posts
    • 215 Thanks
    Debtnomoreplease
    Wow, I can't believe it's the 20th of the month!! Doesn't time fly when you're debt busting!

    Nothing major to report, had a few unexpected bills and thugs to pay for, but I have been so thrilled I've been in a position to help and friend out, who has had a terrible time lately. It's awful, but in the past i have avoided friends sometimes (if it meant putting my hand in my pocket) not because I'm mean with my money, but because not had the money to help. Etc. I don't mean paying loads out, I'm mean being able to buy extra bits of food in to cook for him etc, which I've been able to do this month. I could of used that extra 50 or so I've spent on paying my last 399 off. However, I think it's gone to much better use. As my friend is forever grateful.

    Got me thinking back to all the things I've missed out on,m because of being in debt-what a waste! Never again will I get in such a mess! Remembering all the things I've missed out has really motivated to never be in that position again.

    Things I've gained whilst becoming debt free and lessons I've learnt:
    sleep! Something that is so unbelievably valuble. I'm useless without sleep, so I 100% need it.

    stress and worry is a killer. Feelings I don't handle very well and need to always do my best to not ever create these feelings for myself again. Obviously sometimes things can't be helped, but I created this mess this time and created stress and worry for myself.

    Confidence and determined attitude to not give up! I've had this final 4000 in my sight and been ready to smash it from January! Shame I wasn't as focused when it was at 11,000, but we are here to learn lessons.

    amazing how far a fiver can go (when you have to)

    the value of not wasting food and the value of good food. Sadly, the nice joints of meat etc have gone out of the window (mostly) but that's not forever.

    De-cluttering is so therapeutic and mind relaxing! Also, makes you an extra bit of cash on the side ;-)

    Payday loans-never ever again! Once taken, extremely easy to fall into the dreaded cycle.

    Tomorrow never comes. If you want to do something, do it now and don't wait to start tomorrow or I'll deal with that tomorrow...most of us know, 2+ years later and 1000s more in debt!

    This site is amazing!

    And much more, but the sun in shining and I'm off for a walk. Will update later!

    Happy sunny, Sunday!
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

2,499Posts Today

8,170Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin