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  • FIRST POST
    • onedaysomeday
    • By onedaysomeday 13th Feb 18, 10:25 AM
    • 506Posts
    • 721Thanks
    onedaysomeday
    Debt Free By 2019?
    • #1
    • 13th Feb 18, 10:25 AM
    Debt Free By 2019? 13th Feb 18 at 10:25 AM
    Well - i attempted one diary and failed at that

    Debts are in my signature and have not changed much but trying to juggle repayments with driving lessons and savings for a car - PS first time car insurance judging by quotes - ouch

    The CC has been brought down and back up again as I've paid a chunk and then had to use it again as I used all my disposable to pay the chunk then left nothing for food etc however, silly me has only just sussed out the APR is annual and not monthly - that is embarrassing to admit but now I know I can pay a set amount and not use all of my money and then use the card again.

    So - car insurance is expensive! Did some test quotes cheapest one around 500 upfront and then 80 a month. 80 a month is fine but 500 - ouch. Had I anticipated that I probably could have saved from the start of my lessons to pay it annually in one go but no one mentioned the extortionate insurance

    On the plus side I should have between 500 and 600 for a car by the time I take my test which I didn't want to spend any more than that, so happy just to hopefully hit my target savings.

    That's about all for now - just saying hello on this new diary really
    Last edited by onedaysomeday; 19-04-2018 at 10:04 AM.
    Just trying to make up for past mistakes and work towards the future I want
Page 1
    • Nob0dy
    • By Nob0dy 13th Feb 18, 11:54 AM
    • 20 Posts
    • 44 Thanks
    Nob0dy
    • #2
    • 13th Feb 18, 11:54 AM
    • #2
    • 13th Feb 18, 11:54 AM
    Insurances charge extortion rates, if you can do without the car for a bit and save to pay in one go it would be way better.

    For quotes check every comparison site, takes a few minutes to do a search and in half an hour you can have quotes from at least 3 of them, once you have the best results don't take them for granted, use the link to go to the insurance website and verify the quote on there, then call and talk to an advisor.

    It's important to talk to someone as they have the power to give you further discount, I have just recently renewed my insurance and the best quote online was 610, calling I was offered a reduction to 541.

    Judging by the amount I suspect you might be a young one, lookup black box insurances, they're a pain the in the !!!! but they can save you money and are an incentive to drive safer.
    • Cumbria lass
    • By Cumbria lass 13th Feb 18, 12:11 PM
    • 1,904 Posts
    • 11,534 Thanks
    Cumbria lass
    • #3
    • 13th Feb 18, 12:11 PM
    • #3
    • 13th Feb 18, 12:11 PM
    Done forget if you do insurance online to go through a cash back site.

    Good luck with the insurance it sounds very expensive, can you add another driver on to make it cheaper.
    CC1 3475 May 2018
    • onedaysomeday
    • By onedaysomeday 13th Feb 18, 12:57 PM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    • #4
    • 13th Feb 18, 12:57 PM
    • #4
    • 13th Feb 18, 12:57 PM
    I've been on so many sites the last few days looking at insurance - believe it or not the quotes have been with my OH with his 16 years driving and 7 years no claims added on to it - maybe a trusty third driver?!

    I'm 26 - some of the quotes have been offered with the box but they don't actually seem to be much cheaper. I'm going to start putting some extra money aside where I can, but I'm hoping once I can actually fill in an insurance quote for the car I'll actually be getting and be able to fill in the license number of my full license things may look a little different...

    I did not think of going via a cash back site though - thank you!
    Just trying to make up for past mistakes and work towards the future I want
    • enthusiasticsaver
    • By enthusiasticsaver 13th Feb 18, 1:02 PM
    • 6,609 Posts
    • 13,862 Thanks
    enthusiasticsaver
    • #5
    • 13th Feb 18, 1:02 PM
    • #5
    • 13th Feb 18, 1:02 PM
    Re car insurance, Just to say 80 per month is 960 almost double the cost of paying upfront. Putting it on a 0% card is better than paying monthly. On a cheap car you also need to budget for maintenance costs as it is more likely to break down. Car ownership is expensive.
    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
    • natsplatnat
    • By natsplatnat 13th Feb 18, 1:51 PM
    • 2,800 Posts
    • 2,498 Thanks
    natsplatnat
    • #6
    • 13th Feb 18, 1:51 PM
    • #6
    • 13th Feb 18, 1:51 PM
    So - car insurance is expensive! Did some test quotes cheapest one around 500 upfront and then 80 a month.
    Originally posted by onedaysomeday

    500 + 12 x 80 = 1460 annually = ouch!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending 99.80, paid ??*


    • onedaysomeday
    • By onedaysomeday 13th Feb 18, 1:59 PM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    • #7
    • 13th Feb 18, 1:59 PM
    • #7
    • 13th Feb 18, 1:59 PM
    It was still over 1100 as one annual payment and I definitely cannot get a 0% deal :/
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 13th Feb 18, 2:28 PM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    • #8
    • 13th Feb 18, 2:28 PM
    • #8
    • 13th Feb 18, 2:28 PM
    Oh to be clear - the quotes were saying 500 for the first instalment and then 80 for the next 10 or 11

    I'd definitely be happy paying 500 for the year
    Just trying to make up for past mistakes and work towards the future I want
    • Nob0dy
    • By Nob0dy 13th Feb 18, 4:21 PM
    • 20 Posts
    • 44 Thanks
    Nob0dy
    • #9
    • 13th Feb 18, 4:21 PM
    • #9
    • 13th Feb 18, 4:21 PM
    I've been on so many sites the last few days looking at insurance - believe it or not the quotes have been with my OH with his 16 years driving and 7 years no claims added on to it - maybe a trusty third driver?!

    I'm 26 - some of the quotes have been offered with the box but they don't actually seem to be much cheaper. I'm going to start putting some extra money aside where I can, but I'm hoping once I can actually fill in an insurance quote for the car I'll actually be getting and be able to fill in the license number of my full license things may look a little different...

    I did not think of going via a cash back site though - thank you!
    Originally posted by onedaysomeday
    If black box insurances are any cheaper, check the terms and go with it.

    In the short term as a young new driver they are more likely to drop the the prices on renewal, if you drive well, whereas regular insurances might take might take longer before they start dropping.

    Age is definitely a big factor.
    • onedaysomeday
    • By onedaysomeday 13th Feb 18, 4:26 PM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    Definitely something I will look into if it works out much cheaper
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 14th Feb 18, 5:31 PM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    Well today has been an up and down day!

    Woke up to the sale of my old laptop on eBay (yaaay) and soon figured out it was a scammer (booo)
    I also have a garmin watch for sale on there that someone was interested in buying if they could arrange some kind of click and collect as they won't be in the country until the 20th so would prefer to pick it up from somewhere like that - I think we have just about come to an arrangement that I can send it in a few days so it arrives just after him as eBay are telling me I don't have enough active listings for click and collect

    On a happy simple straightforward note - my balance on Prolific Academic yesterday morning was 1.70 and now including my pending payments it's over 18 I seem to have been very fortunate in the last 24 hours and they are all clearing relatively quickly. I only managed 21.00 for the entire month last month!

    I spent around a fiver on lunch today as I was sulking about watching everyone else get flowers for Valentine's whilst I'm at work so I needed cake
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 16th Feb 18, 10:48 AM
    • 506 Posts
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    onedaysomeday
    So my running watch has finally sold on eBay after much back and forth with a buyer and going above and beyond to be able to accommodate him the money is pending at the moment so I am in no hurry for it but a little will go into my car pot, and the rest will see me to the end of the month and anything left over will be used towards a debt - there's a Lowell one that has about 20 ish pound left on it until it is settled so I imagine it will probably be that!

    I'm spending more than usual on food at the moment, I have a running injury and whilst sulking about that all I want to do is eat junk food so rather than bringing in pasta meals for my work lunch that I've made at home, I'm going out and buying unhealthy sandwiches, biscuits and cake really hoping I can get back to running soon as it depresses me not being able to - I'm good at it, and it's one of the few social things I do (I'm in a running club) and generally just miss being out and about exercising! I still walk to and from work and to town etc but it's not the same. OH doesn't take it seriously that I'm moody because I can't run but running was my social/time to myself and not have to think time!

    Oh well, at least it's Friday today. We are going out to dinner with my family but it's a cheap and cheerful pub dinner so shouldn't cost much at all. Happy Friday
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 19th Feb 18, 4:06 PM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    Feeling kind of blue today...

    Getting really irritated not being able to run! IT shows too as I seem to be picking fights left right and centre with my poor OH where I'm just stressed and tense from doing nothing other than sitting around resting my foot, eating because I feel miserable, and feeling miserable because I'm eating so much food.
    Running is literally my saving grace - ten minutes to myself if I needed a quick jog to clear my head, the bonus of that happy feeling after exercising, about the only social stuff I do other than see my OH, and there's not much else really I can say that I'm good at. I have contemplated starting to write a book whilst I've got a lot of free time (I've had two ideas for a while I just need to test the waters and see if I can actually write).
    I think I will see it until the end of the month with no running which will have been a whole month out, bar one day. Hopefully the injury will have completely healed by then!

    On the plus side, in my driving lesson yesterday my instructor said that we might not need a few of the lessons we have packed in for next month and upto my test day. Initially my ears perked up at the idea of saving some money as it's costing me a lot next month, but then I pretty much decided the cost will be worth it if I pass, rather than go into the test nervous and wishing I'd taken the extra practice when I had a chance. All my lessons are budgeted for, so it's not like I'm going to miss the money if i don't drop a couple of lessons

    I'm looking forward to payday, mainly so I can pay off the block booking for my lessons and just know that it's done for the month, and also to knock a little off of the figures in my signature.
    Just trying to make up for past mistakes and work towards the future I want
    • savingholmes
    • By savingholmes 19th Feb 18, 8:34 PM
    • 8,955 Posts
    • 17,015 Thanks
    savingholmes
    Just popping in to wish you good luck on your journey
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • onedaysomeday
    • By onedaysomeday 20th Feb 18, 9:06 AM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    Just popping in to wish you good luck on your journey
    Originally posted by savingholmes
    Thank you very much
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 20th Feb 18, 9:40 AM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    Right - so today I am tired of feeling miserable and I am determined to feel motivated instead!

    My plan for when I finish work is to go through my stuff and put a load of it on eBay. I've been meaning to do this for a while but I tend to sit down, eat dinner and end up in front of the tv for the evening. I've definitely got some shoes and dresses that can be sold and bring in a little bit of money! I've got so much makeup from various kits too that I will never use so I may buy some little boxes and sell them as makeup bundles? (not really sure if that's a thing or will work). Equally I got a Ghost gift set for my birthday that I am unlikely to ever use, and lots of DVDs that I can probably sell as a bundle too.

    Until I get back running I can just work out at home. I literally have no excuse. I have kettlebells at home, I have resistance bands, I have workout DVDs etc. The only excuse I have for not getting up for a half hour work out in the morning is that I simply cannot be bothered - but it's now more important that I can't be bothered to sit around feeling fat and miserable!

    I also want to try and start a little bit towards my book, even if I just write a chapter. I do have a lot of free time at work in front of a computer and the office applications on my PC are linked to my onedrive so I can just work on my writing whenever.

    That's pretty much all for now - I've thrown away the biscuits and eclairs in my staff room and will have a healthy, cheap lunch!
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 21st Feb 18, 12:22 PM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    Well, I had set out yesterday to put some things on eBay last night and then wake up and work out this morning. I achieved 50% of that
    I have 7 items listed on eBay which should bring in a minimum of 40, possibly a little more. I have some more things I can put on over the next few days but to be honest it was a little exhausting trying to sort through all the stuff in my cupboard in the wall that I have to call a wardrobe (I try to avoid going in there too often ) but I know there's definitely a couple of bags that I can put on eBay too.

    Today's task is to send off my laptop that finally sold yesterday, bought the postage from eBay yesterday and it's been up in the staff area resetting this morning so all I need to do is quickly package it and then take it down to the post office. Lunch today will be bought from Boots using points

    I bought a new mouse from Amazon last night for work as the one I had before kept doube clicking every time you clicked once, which was tolerable when it only happened occasionally, but this week its been happening the majority of the time which was making me want to throw the computer at the wall

    I think I will have to cancel my emails I get from the National Lottery at the moment that I get when there are big jackpots - pretty much the only times I play are because of these emails, and it's not cheap

    Constantly keeping my eyes peeled for surveys on PA at the moment - I made 20 in a day about a week ago and had next to nothing since... oh well! Think positive!
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 22nd Feb 18, 10:12 AM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    Having a good morning so far!

    I had a quick sale on eBay last night for some unopened perfume for 15.00 which is going to get posted on my lunch hour today, more pennies to go into my car fund or off of a debt, haven't decided how things well get allocated when I get paid yet.
    I was also looking at my current accounts at the moment I have a Barclays current account with two savings accounts linked to it, one holds the money for my driving lessons and one holds the money I'm putting together for a cheap car. I'd already decided to move the car money over to a basic Nationwide current account that I have, as I seem to keep dipping into it because it takes seconds to transfer over, and my driving lessons stay where they are as I know that money is important. For some reason I chose Lloyds to look at to see if I could get an account (my Barclays was basic to start with and is now a full account I believe, the Nationwide I have had for less than a year and was only offered a basic account) when I saw the switch sign and was reminded of switch bonuses! So I went over to Halifax instead and applied for a rewards account and was accepted for the full account including 125 switching bonus

    Productive morning already! So that will leave me with the new Halifax account from the 5th of March, and my NW one. I also have a PO online saver so my plan going forwards is to put proper (like EF) savings into there, and transfer money to the NW account for monthly savings for insurance presents etc etc.

    I look forward to seeing how the rest of the day goes!
    Just trying to make up for past mistakes and work towards the future I want
    • savingholmes
    • By savingholmes 22nd Feb 18, 10:10 PM
    • 8,955 Posts
    • 17,015 Thanks
    savingholmes
    Great news on switching. That's on my to do list too
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • onedaysomeday
    • By onedaysomeday 23rd Feb 18, 11:01 AM
    • 506 Posts
    • 721 Thanks
    onedaysomeday
    Great news on switching. That's on my to do list too
    Originally posted by savingholmes
    Thanks! I've seen all the people that jump around banks to get the bonuses but never thought I would be able to do it to be honest. It'll be something I keep an eye on in the future too
    Just trying to make up for past mistakes and work towards the future I want
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