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  • FIRST POST
    • onedaysomeday
    • By onedaysomeday 13th Feb 18, 10:25 AM
    • 560Posts
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    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 5
    • lonelyrat
    • By lonelyrat 17th Apr 18, 11:01 PM
    • 425 Posts
    • 1,030 Thanks
    lonelyrat
    Hello again!

    Catching up on your diary has made me very happy! So many positives! Congratulations on passing your test and on finding a decent car. First time pass as well! Very impressive Also wonderful news on OH's ex coming around. Good luck on finding him somewhere bigger so you can meet the bambinos!

    I really like your areas for improvement. I may try and write something like that out for myself! I want to start working on my appearance more as well as I can be quite lazy, I'd rather stay in bed for 15 minutes in the morning than straighten my hair . My skin can get quite bad and my hairs a poofy mess most of the time so I want to spend more time looking after myself.

    On the debt front I wouldn't worry about it too much... You have a plan in place and are still super focused. Life happens and all we can do is try our best!
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • onedaysomeday
    • By onedaysomeday 18th Apr 18, 8:19 AM
    • 560 Posts
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    onedaysomeday
    Ha ha hello lonelyrat!

    Thanks for all the congratulations! Going to take a second look at the car again today as I lost all faith in being able to assess it myself once I got there but I do know that the engine starts and it goes into first gear okay as long as he can drive it around a little then I'll take over and drive it back the rest of the way around the block and he can help me check all the lights etc

    Ah I always set myself areas for improvement but I rarely stick to it lol but I'm hoping as it's out on the internet now I may feel more inclined! My skin can get quite bad so I starting using Clinique and it's fab as long as I remember to do it every morning and evening and I can be quite lazy forgetful sometimes.

    I printed off my most accurate snowball calculator last night so I know what I'll be paying to which debt going forwards so I feel much more in control
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 18th Apr 18, 8:23 AM
    • 560 Posts
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    onedaysomeday
    To do list for the day:
    - appreciate the fact it's nice and sunny outside
    - pay in some money at the PO for someone at home
    - have second look at car with my brother after work
    - give said brother birthday pressie from March
    - make a start on the next module of my course
    - pop into NWest to see if my cheque has arrived
    - pay 10 into my current account to pay off of CC1
    - count small change when I get home to see if I can pay any into the bank
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 18th Apr 18, 2:30 PM
    • 560 Posts
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    onedaysomeday
    To do list for the day:
    - appreciate the fact it's nice and sunny outside had a nice stroll in the sun
    - pay in some money at the PO for someone at home done
    - have second look at car with my brother after work
    - give said brother birthday pressie from March
    - make a start on the next module of my course started
    - pop into NWest to see if my cheque has arrived done - nothing yet and very rude lady
    - pay 10 into my current account to pay off of CC1 found 8.00 in my purse so paid off 20 instead
    - count small change when I get home to see if I can pay any into the bank
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 19th Apr 18, 8:27 AM
    • 560 Posts
    • 817 Thanks
    onedaysomeday
    To do list for the day:
    - appreciate the fact it's nice and sunny outside had a nice stroll in the sun
    - pay in some money at the PO for someone at home done
    - have second look at car with my brother after work done - drove it around the block with him and drives nicely enough. There is a part on the exhaust that will cost me about 50 to sort out so have asked if they can take this off the cost just waiting to hear back
    - give said brother birthday pressie from March also done at last - he was very grateful and will apparently finally give me the 20 for my birthday present in feb
    - make a start on the next module of my course started
    - pop into NWest to see if my cheque has arrived done - nothing yet and very rude lady
    - pay 10 into my current account to pay off of CC1 found 8.00 in my purse so paid off 20 instead
    - count small change when I get home to see if I can pay any into the bank counted and I can almost pay some in - I need 15p in 5ps to make a 5 bag and a few more pennies for 2 in copper

    Oh I do love it when I managed to get a to-do list fully completed!

    I'm glad I took my brother with me yesterday as he got under the car and noticed a bit on the exhaust that would need sorting and the rear bumper is a bit loose but will stay on so that can wait a little to be sorted out, but otherwise its good the mileage is good for it's age I managed to start it without stalling when I pulled away and the gear changes feel good, so provided they will knock off the 50 (or get it sorted beforehand and I then pay the full 450) then I'll be going back to get it end of the month

    I don't have much in the way of a to-do list today, just pop into town and get some purple shampoo and conditioner with my boots points (so no spending) and then make some headway with my coursework module. I get 4 weeks to do it so going to do a few questions a day and hopefully it'll come back with no adjustments to be made

    Oh also I should be able to cash out enough from PA in the next few days to make my (small) payment on CC3. I'm hoping I will have enough spare pennies to buy my clinique moisturiser at the end of the month - it goes through so quickly and not cheap but nothing else really works
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 19th Apr 18, 11:29 AM
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    onedaysomeday
    So I have been looking at car insurance again today now that I have decided I will be buying this car. I have pretty much decided on getting a telematics insurance as I'm not in the position to pay anually, and they work out at the cheapest overall cost which is handy and I'm not stung with a stupidly high deposit for the insurance so I have a quote that is valid for a month ready to purchase when I buy the car - yay!
    Just trying to make up for past mistakes and work towards the future I want
    • lonelyrat
    • By lonelyrat 19th Apr 18, 3:46 PM
    • 425 Posts
    • 1,030 Thanks
    lonelyrat
    A fully completed to do list is so nice I rarely manage it haha! Car sounds good and was defo a good idea to take your brother to have a look at it. Hope they're OK with reducing the price by 50 for you.

    I've never used Clinique but my mum used to and she always had lovely looking skin. I recently got a Clearasil scrub which is working quite well for me at the moment... Felt a bit embarrassed in the aisle in the shop though buying spot cream! Felt like I was a teenager
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • onedaysomeday
    • By onedaysomeday 19th Apr 18, 4:58 PM
    • 560 Posts
    • 817 Thanks
    onedaysomeday
    Yeah I hope they agree to it, I can still afford it paying 450 then sorting it, but I think it would be the right thing for them to do considering they didn't mention it when I went to look.

    Ah I know what you mean I fully feel at the age of 26 I should not be having skin problems
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 23rd Apr 18, 2:43 PM
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    onedaysomeday
    I only really have one MSE related thing to announce and that is that they have agreed to deduct the 50 for the exhaust part on the car which is great, just need to shop around to find somewhere to fix it now.

    That will not be done today. Today, I haven't had a coffee until just now and I am suffering with a massive caffeine headache that is killing me. I'd forgotten how bad they are from when I cut down my coffee previously. Didn't have time to drunk one at OH's this morning and didn't have time to buy milk on the way into work. So no staring at spreadsheets, no coursework, just trying to get through my shift, at least until the coffee and pain pills kick in

    Only 7 days to go until payday, with how I am going to do my insurance now, I will be able to "treat" (save my sanity through not being spotty!!) myself to my Clinique moisturiser, I'll just make sure that I go through a cashback site or at least use a decent boots voucher to get a good chunk of points from it.

    I've stuck to my budget quite well this month! I don't have more than a few quid left but I won't be getting the train to OH before payday, and I've got my lunch in for the week at work managed 13 NSD's this month!

    It did cross my mind earlier too that my 150 allowance a month will go less on travel now, at least 20 a week was train fare but I'll be able to drive up there soon and in my budget I have allowed for 50 petrol so it's only the extra I go over that (30 tops maybe?) that will actually come out of my allowance

    Whilst I'm thinking about how I don't need to spend anymore this month, I'll pay the 15 for CC2
    Just trying to make up for past mistakes and work towards the future I want
    • snorfing along
    • By snorfing along 23rd Apr 18, 2:55 PM
    • 71 Posts
    • 161 Thanks
    snorfing along
    Hi Oneday, just finished reading your diary. Massive well done on passing your test and getting a car. I have a really bad habit of buying lunch from a shop rather than taking it in so I brought some soup to work today and I'll do the same for the rest of the week and try get a few more NSD's, not sure I'll manage as many as you but I'll try my best
    Barclaycard: 8905 Tesco: 2925
    Total debt: 11,830
    • onedaysomeday
    • By onedaysomeday 23rd Apr 18, 3:04 PM
    • 560 Posts
    • 817 Thanks
    onedaysomeday
    Thank you!

    I used to pop to a rice/noodle van probably 2/3 times a week and spend a fiver - was a bit of a shock realising I was spending around 60 a month just on that let alone the trips to greggs and tesco I keep all my lunch supplies at work so I have no excuse lol x
    Just trying to make up for past mistakes and work towards the future I want
    • lonelyrat
    • By lonelyrat 23rd Apr 18, 9:11 PM
    • 425 Posts
    • 1,030 Thanks
    lonelyrat
    Good news about the car!

    Glad you can get your clinique! My skin is magically not that bad at the moment... Im sure now I've tempted the gods by saying that I'll have a massive break out *sigh* life.

    Well done on making an extra cc payment. I'm thinking I'm going to have about 25 left in my dd account once the final one has gone out and I've decided that's going to go straight to my card.
    7 days is so soon! Woohoo!! 23 for me
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • onedaysomeday
    • By onedaysomeday 24th Apr 18, 8:14 AM
    • 560 Posts
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    onedaysomeday
    I ended up buying two bottles last night as there was a 10% cashback offer on TCB ending in 2 days and i go through it so quickly compared to the rest - I think I've had two bottles of the toner (although admittedly I spilt about 2/3rds of a bottle of one.... ) and the same soap bar since I bought it all came out of the car money but I can replace that comfortably once I've been paid

    My mindset is definitely different now with all little extra bits I get going straight onto the debts, small though they may be! I also have a money tin with around 30 in at home, I don't think I've ever managed to scrape together more than a fiver in change before spending it before
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 24th Apr 18, 9:23 AM
    • 560 Posts
    • 817 Thanks
    onedaysomeday
    Went to cinema last night with OH to watch Truth or Dare - we're definitely making the most of our cinema cards now that we're trying to do less expensive things

    Nothing much on the MSE front, just need to sit down and work out how much I need to pay back into my car account come payday, which I'll do when I get in tonight as I will need to swing by an ATM to check the balance and then work it all out and look at my budget again for next month.

    On the to-do list today:
    - Work on coursework module now that I am caffeine-headache free
    - Catch up on diaries
    - Chase up some contractors at work
    - Work out how much I need to pay into my car account to balance it again
    - Recalculate budget
    - Watch for surveys like a hawk
    - Pop into NWest and chase up cheque If i get time
    - 30 day shred!
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 24th Apr 18, 7:19 PM
    • 560 Posts
    • 817 Thanks
    onedaysomeday
    - Work on coursework module now that I am caffeine-headache free done 10 out of 25 questions so will be finished pretty soon
    - Catch up on diaries
    - Chase up some contractors at work slowly getting stuff done!
    - Work out how much I need to pay into my car account to balance it again more than I thought but still very manageable
    - Recalculate budget
    - Watch for surveys like a hawk done some and still watching
    - Pop into NWest and chase up cheque If i get time still not arrived......
    - 30 day shred! shredded

    Another completed to-do list

    Hopefully seeing OH tonight after he has finished work, otherwise I won't see him until next week. I may see him on Saturday but for reasons that are being kept secret until it's confirmed

    A quiet night planned up to then - chilling out in front of the TV I guess and checking for surveys.

    On a good note - checked my clubcard account online after discussing vouchers with my OH and discovered I have 8.50 worth of unused ones so printed those off
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 25th Apr 18, 8:27 AM
    • 560 Posts
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    onedaysomeday
    Morning everyone!

    The sun is shining here again and it's hard to be in a bad mood when it's out!

    My Clinique order will be coming today which is great as I literally scooped the last of my moisturiser out today
    I also have a maxi dress and sunglasses (bought on giftcard) to collect from Next today but will do that when I finish as I need to run to the shop and get some bread and yoghurts for lunch but want to still be able fit in 30 day shred so don't have time to go to Next as well

    All set to be a quiet day again at work, which means I want to get through a few more of my module questions - just a few though as I want to take my time with them and do them well enough the first time around. I'll probably be able to get some reading done too and keep an eye on surveys - the bonus of working alone I guess!

    Today's to-do list:
    - get lunch supplies
    - do 3/4 module questions
    - watch for surveys
    - 30 day shred
    - collect order from Next
    - bath with face & hair mask tonight
    - run/walk 20 minutes again this evening

    My foot still feels fine after my run/walk on Sunday (run 1 min, walk 1 min) so going out again tonight and will do it again on Saturday, then provided all feels okay increase to 2 min run, 1 min walk next week and bump it up until I'm running the full 20 minutes. It will take time but I'd rather get back there slowly than not get back running at all shouldn't take more than 10 weeks to build to twenty minutes if I'm doing an extra minute each week. Week 2 will be 2 min run 1 min walk for 20 minutes (so 7 times) week 3 will be 3 min run 1 min walk for 20 minutes (so 5 times) week 4, 4 min run 1 min walk for 20 minutes (so 4 times) and so on. You can apparently move up quicker if you can do it pain free but we'll so how I get on
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 25th Apr 18, 10:29 AM
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    onedaysomeday
    So.. thinking ahead slightly to what I need to do once I have made my debt repayments once I've been paid as I'm making the adjustments to savings and debt repayments once I've paid for my car and sorted insurance tax etc on the 1st.

    To do:
    - Change CC1 DD to 150 instead of 100
    - change EF pay-in from 30 to 60
    - change pay-in to account that holds health and car maintenance from 20 to 40 (25 for car 15 for health atm)

    Im undecided at the moment whether I'm going to go with the snowball calculator way of repaying the rest or how I had originally planned to do it - I guess if I am doing it the snowball way debts will disappear quicker which will motivate me more

    If I decide to do that then everything else stays the same really, other than EE I think I had put in to pay 50 a month to, and minimal payments to the OD until some of the interest accruing debts are clear. I need to input it again actually and save it so that I can keep coming back and updating where necessary
    Just trying to make up for past mistakes and work towards the future I want
    • lonelyrat
    • By lonelyrat 26th Apr 18, 10:56 AM
    • 425 Posts
    • 1,030 Thanks
    lonelyrat
    It's torrential rain here again... At least it's not snow

    The Next stuff sounds lovely and summery I was reorganising my wardrobe yesterday and all I seem to have is shoddy old work clothes which is quite depressing! Definitely nothing summery so if it does actually show up i'm in trouble!

    Your plan for after you get paid sounds good. I'm still really struggling with having an Emergency Fund. There's been so many times in the past that there's been unexpected expenses and I haven't had one and been really annoyed at myself... Definitely need to start as it's just silly not to have something.

    I found the snowball method really helpful. For me I was quite lucky that my lowest balances were the highest interest which worked out. I think that getting rid of small debts really helped me to stay motivated to bust the bigger ones
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • onedaysomeday
    • By onedaysomeday 26th Apr 18, 12:05 PM
    • 560 Posts
    • 817 Thanks
    onedaysomeday
    Hi lonelyrat

    The Next stuff was okay the material on the top half wasn't what I was expecting but will try it on and decide if I'm keeping it and the glasses feel a bit loose but I may be able to sort that

    I'm quite impressed I've managed to actually keep my tiny EF of 30 untouched I used to transfer 100 a month in savings and end up spending but that was at a time I guess when I didn't really budget or keep track of my spending, and it didn't help that I knew it was there if I needed it too. I look forward to when my debts are repaid and I can save better amounts but some is better than none!

    Yeah I think im sold on snowballing it means in a couple of months two of my CC's will be clear so that'll be nice to look at! One is cut up anyway so won't be used again the other is a Tesco one that I plan to just use now and then and pay off to get the points, CC1 will be kept open but I will not have access to it

    Counting down the days until the 1st to get the car! Could get it on the 30th of this month but reluctant to pay road tax for April when it's the last day
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 26th Apr 18, 12:17 PM
    • 560 Posts
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    onedaysomeday
    Today will definitely not go as planned - I'm meeting my nan for lunch today, which is fine but I try and get an answer for which day she wants to lunch so that I can get to work in the morning half hour earlier to workout as I know I can't do it on my lunch, but she's only just messaged me so won't be doing that today

    Also put off my run/walk yesterday to today but now been invited to go for a carvery as a treat so that will go out of the window too! Unless I run at silly o clock once I've digested my food

    Quiet day today - survey watching and coursework writing. Have a lovely day to anyone who reads
    Just trying to make up for past mistakes and work towards the future I want
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