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  • FIRST POST
    • LiveLifeFull
    • By LiveLifeFull 20th Feb 18, 10:52 AM
    • 83Posts
    • 227Thanks
    LiveLifeFull
    Trying to do everything all at once!
    • #1
    • 20th Feb 18, 10:52 AM
    Trying to do everything all at once! 20th Feb 18 at 10:52 AM
    I have been reading everyone's debt free diaries for years now, and finally had my lightbulb moment about a year ago. Since then, I have paid off around £1500, whilst still going on holiday, being accepted for a mortgage and generally still trying to live my life.


    I can't thank everyone enough for the all the tips and ideas they have given me! It has really helped me stay on track. However, I can feel myself slipping back into old habits lately, so I think its time I started my own diary.


    You will have to accept my apologies as I lay out my plans: I am a dreamer! But I keep telling myself, the faster I pay off debt, the faster I can start saving, and the sooner I will be off travelling the world!


    So, here we go as it stands:
    - £1250.00 Overdraft
    - £849.69 Credit Card
    - £4131.25 Car Finance 0%
    - £381.60 Glasses Finance 0%
    - £2800 Windows Finance 0 %


    A little background: Basically, I met my partner around two years ago, and we instantly fell in love. In August last year, we got accepted for a mortgage and moved in together, and we had to do a few things to the house (hence the windows). But we want to get married in 2021 and try for a baby, but still go on holiday in between all that, and generally do 'relationshippy' things. My overdraft and credit card happened before I met my boyfriend, as I went travelling in Africa, but shouldn't have really, as I'm still paying for it now.


    Our plan, which has been working so far, is for my partner to pay all house related costs (mortgage, bills) etc, and I use my money to pay off debt and put money towards savings. I know our debt isn't as big as others, but I also want to be mortgage free eventually, and save for a campervan so I can travel the world with my love!! (cringe haha). But we both have quite a bit of disposable income, so it should be manageable.


    If you've read this far, thankyou! I will post the SOA as soon as I've finished it!


    Thanks Everyone!
    Last edited by LiveLifeFull; 22-02-2018 at 11:51 AM.
Page 2
    • LiveLifeFull
    • By LiveLifeFull 23rd Feb 18, 2:25 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    I have a question.


    I am unsure what the best option would be for me. When we get out 1% pay rise, and when I go up an increment at work, I want to save the extra £20/30 I will get. However, I am not sure if it would be better to either stick it in a savings accounts with the highest interest I can get, or to increase my monthly payments to my work pension.


    I'm kind of leaning towards a savings account, because if anything happens, that money can become available to me in an emergency, but then the down side of that is, that money can become available to me in an emergency. At least in my work pension, it cant be touched.


    Hmmm, I will need to think on this.
    • Suffolk lass
    • By Suffolk lass 23rd Feb 18, 3:34 PM
    • 1,951 Posts
    • 20,901 Thanks
    Suffolk lass
    I have a question.


    I am unsure what the best option would be for me. When we get out 1% pay rise, and when I go up an increment at work, I want to save the extra £20/30 I will get. However, I am not sure if it would be better to either stick it in a savings accounts with the highest interest I can get, or to increase my monthly payments to my work pension.


    I'm kind of leaning towards a savings account, because if anything happens, that money can become available to me in an emergency, but then the down side of that is, that money can become available to me in an emergency. At least in my work pension, it cant be touched.


    Hmmm, I will need to think on this.
    Originally posted by LiveLifeFull
    Good luck with your aspirations, I thought I would take a look at your diary after you posted on TOPM's

    Personally, I would put that money into a stocks and shares ISA. If you go to somewhere like Charles Stanley Direct or Hargreaves Lansdowne, you can set up a low-cost online account, then put those amounts in there and buy small pieces of funds or shares (if you are confident enough to do that). At your age it will grow over time in what is known as the magic snowball effect (that means you get the capital growth and added dividends which you reinvest, so it starts small and grows faster and faster. You could check out slowlyfading's blog called The Frugal Cottage for a really accessible explanation of her journey to FIRE (Financial Independence and Retire Early)- there is a link here
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after May 45.81% £4,581.38/£10,000
    OS Grocery Challenge 2018 spent £1,021.80/£3,000 including stores so far 34.06% of my annual budget at the end of May
    My DFD is here
    • LiveLifeFull
    • By LiveLifeFull 26th Feb 18, 9:47 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Six
    Had a really productive/good weekend! Spent £66 out of £250 of our food shopping money so far, and that included toiletries (a new £10 razor), all done at Ald!, so I'm quite pleased with that.


    I have spent a little bit of the emergency fund. We had a little bit of damp at the front of our house a while ago, so we had to dig a trench outside the front, as it was caused from a blockage of the vents. But over the winter, this trench has filled up with so many leaves/rubbish, I was worried it would cause the damp to return/rot/attract unwanted pests, so we cleared it all out, and filled it with membrane and lovely white stones. I think "damp" is classed as an emergency. And we bought the cheapest stones we could find.


    I DID however, also buy a candle from Ald! for £10, it was one of them HUGE ones, that look like their from Jo Ma!one, so it will last me ages. So, all in all, over the weekend, additional costs from the emergency fund came to: £64. The fund is now sitting at £308.00 atm.


    I wasn't going to include my OH debt in this, as this is my diary, but I guess it makes sense as we put our money together anyway, and I'll be paying his debt off from my own money as he pays all the bills.


    We have other debt like windows/my car/my glasses but we are focusing on our credit cards and overdrafts, as that is what we are the most uncomfortable with having. We both have one credit card and one overdraft.
    My CC - £834.74
    My OD - £1250
    OH CC - £1500
    OH OD - £400
    Total: £3984.74


    After our holiday to Bali in May, we will be paying off a minimum of £500 per month, more likely £600, so we are looking at being debt free by the latest November 2018.


    I just really want to get a handle on our debt now, while we are quite young and before we start a family.


    TO- DO LIST:
    - Keep on top of work DONE
    - One load of washing DONE
    - Clean all of downstairs NOT DONE
    - Wipe down kettle/microwave/toaster NOT DONE
    - Look into shares NOT DONE
    - Make dinner from stores DONE (Not a very productive day today)


    Happy Monday everyone!
    Last edited by LiveLifeFull; 27-02-2018 at 9:52 AM.
    • jvr
    • By jvr 26th Feb 18, 11:46 AM
    • 420 Posts
    • 1,311 Thanks
    jvr
    Hi


    No use on the stocks and shares stuff so could be worth looking into, but with low debt and fact your are managing to save towards an emergency fund I would add it to pensions as you won't even notice since you never had it before
    Debt: £10,006 now £8698.38
    Emergency Fund: 456.17/ £1000


    • LiveLifeFull
    • By LiveLifeFull 26th Feb 18, 12:16 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Hi


    No use on the stocks and shares stuff so could be worth looking into, but with low debt and fact your are managing to save towards an emergency fund I would add it to pensions as you won't even notice since you never had it before
    Originally posted by jvr

    Yes, I agree. Either that, or to shove it in the emergency fund for now until its got a sufficient amount of money in there, as I have hardly anything in that, and our boiler is on his last legs.
    • LiveLifeFull
    • By LiveLifeFull 26th Feb 18, 1:11 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Quite proud of myself - I had originally budgeted £55 to spend on Mothers day. Just had a look on group0n, and I've just bought "sparkling afternoon tea for two" for a whopping £29.00! I'll spend £1.00 on a card.. and there we go! My mum LOVES afternoon tea too, so I know she'll really enjoy herself. Its a really nice, historical site, so we can make a day of it.


    £25.00 saved this morning!
    • LiveLifeFull
    • By LiveLifeFull 27th Feb 18, 9:47 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Seven
    Well, I was all excited yesterday, thinking I'd got a bargain for mothers day, but silly old me forget to check the dates that the voucher could be used. Mon - Thurs 9-4pm. I've requested my refund, which has been accepted. Back to the drawing board I go!


    Had a long discussion with my OH last night about the holidays we wanted to go on over the next 3 years. We were originally going to go Florida next May 2019, and then Greece in 2020. However, now we are determined to get out of debt, we feel Florida in May is going to be too much of a stretch, and we don't want to be tempted to spend anything on the cards while we are out there. With this in mind, we've decided to go to Greece next year instead, which is half the price of Florida, and then when we get married in 2021, we will go Florida for our honeymoon (which will be gifted by parents, they've paid all my brothers honeymoons). So, lots of money saved there. I feel like its the responsible decision, to save up for the holidays.


    I've felt like a lot of the reason we haven't got out of debt before, is the fact that we want everything to happen right now. Right this second. So we just used all our available money on experiences. We want to make memories, instead of being stuck at home. I guess its just trying to find that balance, isn't it?


    FYI - I bought my own lunch to work yesterday AND today. I also had a NSD yesterday.


    TO- DO LIST
    - Keep on top of work NOT DONE (Going to need to catch up tomorrow)
    - Tidy downstairs DONE
    - Make dinner from stores DONE
    - Make lunch for work tomorrow DONE
    - Get at least 100 SB on BagSwucks. (Just started this, haven't decided what to do with the money yet. DONE


    Hope everyone has a good day.
    Last edited by LiveLifeFull; 28-02-2018 at 10:41 AM.
    • LiveLifeFull
    • By LiveLifeFull 27th Feb 18, 1:06 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    YESSS!


    Not sure what happened, but for some reason, me and my OH thought that he owed £1500 on his CC, but he actually only owes £976.00!! I only found out because I asked him to check, so I could update my signature. I've calculated it all, and with the saving of £524, its took another month off our goal of being CC and OD free, which now sits nicely at October 2018. Winning!


    Happy Tuesday
    My CC - Feb 18 £849.69 Mar 18 £839.95 Apr 18 £705.78
    My OD - Feb 18 £1250.00 Mar 18 £1250.00 Apr 18 £1250.00
    OH CC - Feb 18 £976.00 Mar 18 £901.00 Apr 18 £802.00
    OH OD - Feb 18 £500.00 Mar 18 £500.00 Apr 18 £500.00
    TOTAL OD/CC DEBT: Feb 18 £3575.69 Mar 18 £3490.95 Apr 18 £3257.78
    OD/CC DEBT FREE DATE: OCTOBER 2018
    • LiveLifeFull
    • By LiveLifeFull 27th Feb 18, 7:11 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Had a bit of a win/lose situation this evening.

    Just had an email, and our council tax is going up £11.00 in April. Which is annoying Is that the same with everyone?

    BUTTTT.. I think I have just discovered that we pay our council tax over 10 months, when I thought it was 12. And if thatís the case, we now have a spare £108.00 for the next two months to throw at debt!

    Not getting my hopes up just yet, until Iíve seen that the direct debit hasnít gone out the account.

    What does everyone else spend their two free months without council tax money on?
    My CC - Feb 18 £849.69 Mar 18 £839.95 Apr 18 £705.78
    My OD - Feb 18 £1250.00 Mar 18 £1250.00 Apr 18 £1250.00
    OH CC - Feb 18 £976.00 Mar 18 £901.00 Apr 18 £802.00
    OH OD - Feb 18 £500.00 Mar 18 £500.00 Apr 18 £500.00
    TOTAL OD/CC DEBT: Feb 18 £3575.69 Mar 18 £3490.95 Apr 18 £3257.78
    OD/CC DEBT FREE DATE: OCTOBER 2018
    • enthusiasticsaver
    • By enthusiasticsaver 27th Feb 18, 11:06 PM
    • 6,608 Posts
    • 13,897 Thanks
    enthusiasticsaver
    I have a question.


    I am unsure what the best option would be for me. When we get out 1% pay rise, and when I go up an increment at work, I want to save the extra £20/30 I will get. However, I am not sure if it would be better to either stick it in a savings accounts with the highest interest I can get, or to increase my monthly payments to my work pension.


    I'm kind of leaning towards a savings account, because if anything happens, that money can become available to me in an emergency, but then the down side of that is, that money can become available to me in an emergency. At least in my work pension, it cant be touched.


    Hmmm, I will need to think on this.
    Originally posted by LiveLifeFull
    Are you maximising your employers pension contribution? In terms of long term growth putting it in your pension will give you a better return. Very few cash accounts pay high interest but regular savers would be best option if you go that way.
    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
    • enthusiasticsaver
    • By enthusiasticsaver 27th Feb 18, 11:08 PM
    • 6,608 Posts
    • 13,897 Thanks
    enthusiasticsaver
    Had a bit of a win/lose situation this evening.

    Just had an email, and our council tax is going up £11.00 in April. Which is annoying Is that the same with everyone?

    BUTTTT.. I think I have just discovered that we pay our council tax over 10 months, when I thought it was 12. And if thatís the case, we now have a spare £108.00 for the next two months to throw at debt!

    Not getting my hopes up just yet, until Iíve seen that the direct debit hasnít gone out the account.

    What does everyone else spend their two free months without council tax money on?
    Originally posted by LiveLifeFull
    Car insurance on one of our cars is paid for by February's council tax money. We pay our telephone line rental upfront for the year with March payment.
    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
    • jvr
    • By jvr 28th Feb 18, 8:30 AM
    • 420 Posts
    • 1,311 Thanks
    jvr
    I pay over 12 months.. but tempted to switch to 10 just for that lovely feeling of having two months off! All psychological ha
    Debt: £10,006 now £8698.38
    Emergency Fund: 456.17/ £1000


    • LiveLifeFull
    • By LiveLifeFull 28th Feb 18, 10:48 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    I pay over 12 months.. but tempted to switch to 10 just for that lovely feeling of having two months off! All psychological ha
    Originally posted by jvr

    Its true! I felt so good after I found that out! The way I was acting, it was like I'd won the lottery.
    If you use the money to overpay on debt too.. It would be a HUGE boost.
    My CC - Feb 18 £849.69 Mar 18 £839.95 Apr 18 £705.78
    My OD - Feb 18 £1250.00 Mar 18 £1250.00 Apr 18 £1250.00
    OH CC - Feb 18 £976.00 Mar 18 £901.00 Apr 18 £802.00
    OH OD - Feb 18 £500.00 Mar 18 £500.00 Apr 18 £500.00
    TOTAL OD/CC DEBT: Feb 18 £3575.69 Mar 18 £3490.95 Apr 18 £3257.78
    OD/CC DEBT FREE DATE: OCTOBER 2018
    • LiveLifeFull
    • By LiveLifeFull 28th Feb 18, 10:56 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Eight
    Morning! Nothing really to report today. I haven't spent a penny all week so far (I know its only Wednesday), but I will be going out for a top up shop tonight, for some fruit and sandwich stuff. When you take your lunches to work, the bread, ham and cheese disappears ALOT quicker..


    That's all coming out of the food budget though. So, would people still count that as a NSD? I mean, I'm not wasting the money, its all been allocated. I'm counting it.


    My OH got paid a bit more this month that we expected too. So there is the potential that we could pay an extra £160 off the debt this month. We said we won't do it straight away, keep the money there just in case, and then use whatever is left at the end of the month. I'm hoping he doesn't just fritter it away!


    TO-DO LIST
    - Keep on top of work NOT DONE AGAIN (Get off MSE)
    - Tidy downstairs DONE
    - Put dry washing away NOT DONE
    - One load of washing DONE
    - Make dinner from stores DONE
    - Make lunch for tomorrow DONE
    - Go food shopping at Ald! and STICK to the list DONE
    - Research cheap holidays for 2019, I'm thinking Italy/Greece DONE


    Food List:
    - Ham
    - Cheese
    - Normal bread for OH
    - 400g wholemeal bread for me
    - Pop
    - Eggs
    - Oranges
    - Mushrooms
    - Crisps for OH
    - Chocolate for OH
    Last edited by LiveLifeFull; 01-03-2018 at 10:28 AM.
    My CC - Feb 18 £849.69 Mar 18 £839.95 Apr 18 £705.78
    My OD - Feb 18 £1250.00 Mar 18 £1250.00 Apr 18 £1250.00
    OH CC - Feb 18 £976.00 Mar 18 £901.00 Apr 18 £802.00
    OH OD - Feb 18 £500.00 Mar 18 £500.00 Apr 18 £500.00
    TOTAL OD/CC DEBT: Feb 18 £3575.69 Mar 18 £3490.95 Apr 18 £3257.78
    OD/CC DEBT FREE DATE: OCTOBER 2018
    • LiveLifeFull
    • By LiveLifeFull 28th Feb 18, 12:00 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Are you maximising your employers pension contribution? In terms of long term growth putting it in your pension will give you a better return. Very few cash accounts pay high interest but regular savers would be best option if you go that way.
    Originally posted by enthusiasticsaver

    No, I'm not at all. I think I'm only paying the minimum 1% at the moment, something like £20.00 a month, and then I think my employer is only paying 2%. So I definitely think I can improve this.


    I will get a pay rise in April, and then go up a salary increment in August. It makes sense that with the money from one of these, I should just shove into my pension. I'm just worried, because pensions get cut etc all the time don't they! At my work place, there's actually a strike going on right now, and one of the pension schemes here has been cut.
    My CC - Feb 18 £849.69 Mar 18 £839.95 Apr 18 £705.78
    My OD - Feb 18 £1250.00 Mar 18 £1250.00 Apr 18 £1250.00
    OH CC - Feb 18 £976.00 Mar 18 £901.00 Apr 18 £802.00
    OH OD - Feb 18 £500.00 Mar 18 £500.00 Apr 18 £500.00
    TOTAL OD/CC DEBT: Feb 18 £3575.69 Mar 18 £3490.95 Apr 18 £3257.78
    OD/CC DEBT FREE DATE: OCTOBER 2018
    • LiveLifeFull
    • By LiveLifeFull 1st Mar 18, 10:26 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Nine
    It is SO cold here We've been lucky, that we haven't got a lot of snow yet, but it is SO COLD!


    It makes me want to go to out and buy lots of cosy blankets and candles. Must. Not. Leave. House.


    Spent less that £20 on our top up shop yesterday, which is a first for us haha. £86/£250 spent this month so far. Which is really good for us, seeing as I got paid on the 23rd this month, and we have enough food in now until at least Monday. ANNDDDD I've took my lunch to work again today (that's everyday this week so far) ANDDDD I've had a NSD everyday this week (yesterdays food shopping doesn't count because it was all budgeted for. I really am an angel


    I have to pay my car tax today though, so that's £30. But that was also budgeted for this month, so I'm not counting that as spending either, as its a bill that I put money aside for. It runs out literally today, I wanted to wait until the last second.


    Also got my £29.00 refund back from Group0n, so back to the drawing board for my Mothers Day present.


    I think I'm going to start doing a meal diary on here too. Just so I can plan what meals we have so nothing goes to waste. It might not be weekly, but if I keep at least a few days ahead, it should work out okay.


    Thursday - Cheesy Chicken Pasta Bake
    Friday - Chicken and Ham Frittata and Salad
    Saturday - Friend is cooking us dinner Sausage and Mash
    Sunday - I'm out for dinner this Sunday with my mum for my Aunties 50th birthday and its not costing me a penny. As I told my mum I couldn't go because I can't afford to go to this thing AND her birthday meal the weekend after. But my mum really wants me there, so she's paying for me. And my OH is taking HIS mum out for mothers day this Sunday, which is planned and saved for, so neither of us will be eating in the house.


    TO-DO List
    - Keep on top of work (Need to catch up, as I've been spending too much time on MSE
    - Pay car tax NOT DONE
    - Two loads of washing (and then I'm at the end of the basket) DONE HALF
    - Tidy living room, bathroom, kitchen DONE
    - Put dry clothes away NOT DONE
    - Cook dinner from stores DONE
    - Make lunch for work tomorrow DONE
    - Look more into my pension NOT DONE


    Almost Friday people!
    Last edited by LiveLifeFull; 05-03-2018 at 2:08 PM.
    My CC - Feb 18 £849.69 Mar 18 £839.95 Apr 18 £705.78
    My OD - Feb 18 £1250.00 Mar 18 £1250.00 Apr 18 £1250.00
    OH CC - Feb 18 £976.00 Mar 18 £901.00 Apr 18 £802.00
    OH OD - Feb 18 £500.00 Mar 18 £500.00 Apr 18 £500.00
    TOTAL OD/CC DEBT: Feb 18 £3575.69 Mar 18 £3490.95 Apr 18 £3257.78
    OD/CC DEBT FREE DATE: OCTOBER 2018
    • enthusiasticsaver
    • By enthusiasticsaver 1st Mar 18, 12:37 PM
    • 6,608 Posts
    • 13,897 Thanks
    enthusiasticsaver
    How exciting that you will be debt free by the end of the year. Getting your finances straight now before you have a family is so paramount. Savings too are important so I am glad to see you are saving an emergency fund.

    I think you are right postponing the Florida holiday and using that as your honeymoon and saving instead.

    The rest of your life plans look good except for renting out property. I am not a fan of buy to let, too littered with problems if you get dodgy tenants who either don't pay on time or trash the property. It is also not as tax efficient as it used to be. If you are higher rate tax payers do you have to pay 40% on any rents received? I don't think mortgage interest can now be offset against income for tax purposes either. Personally I would explore overpaying into your pension and stocks and shares isas as Suffolk Lass suggests to cover retirement plans. We did this and have been able to retire at 58 with around £2500 per month and a large savings buffer by using booster pensions, avcs, sipps and stocks and shares isas.
    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
    • LiveLifeFull
    • By LiveLifeFull 2nd Mar 18, 4:15 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Ten
    We have had an absolute nightmare. Its true that the UK is just not cut out for snow I was just hopping into the bath last night when the OH called to say the whole kitchen was flooded. There was a leak that seemed to be coming from the washing machine/sink. My heart literally sank. Its one step forwards, two steps back.

    We called our house insurance company, and its £100 for them just to come out. But when we were on the phone, they asked if it was a emergency, and we told them it wasn't. (It was to us, but we felt like there was going to be people a lot worse off than us at the moment). So we didn't bother asking them to come out in the end.

    We've tried to figure out what it could be and we THINK that its the outside drain that is blocked. So, before we spend loads of money on a plumber coming out, we are going to try and unblock the drain. HOPEFULLY, this works, as I really don't want to spend our emergency fund when we've only started it this month haha!

    We actually decided yesterday that we would put our spare council tax money from this month and next month, into our emergency fund! So its currently sitting at £416.00! Lets hope it stays that way.

    I'm not doing a to do list today, as everything is just all over the place in the house at the moment because of the leak.

    Wish me luck everyone!
    My CC - Feb 18 £849.69 Mar 18 £839.95 Apr 18 £705.78
    My OD - Feb 18 £1250.00 Mar 18 £1250.00 Apr 18 £1250.00
    OH CC - Feb 18 £976.00 Mar 18 £901.00 Apr 18 £802.00
    OH OD - Feb 18 £500.00 Mar 18 £500.00 Apr 18 £500.00
    TOTAL OD/CC DEBT: Feb 18 £3575.69 Mar 18 £3490.95 Apr 18 £3257.78
    OD/CC DEBT FREE DATE: OCTOBER 2018
    • jvr
    • By jvr 4th Mar 18, 3:59 PM
    • 420 Posts
    • 1,311 Thanks
    jvr
    Fingers crossed you can get it sorted... Just remember these things happen in life and the point of emergency fund is that when they do we don't get further in debt... Frustrating but awesome you actually have that money to pay for it if needed!
    Debt: £10,006 now £8698.38
    Emergency Fund: 456.17/ £1000


    • savingholmes
    • By savingholmes 4th Mar 18, 5:09 PM
    • 8,955 Posts
    • 17,015 Thanks
    savingholmes
    LiveLifeFull - just caught up on your diary. I always amazing me how unexpected bills come out of the woodwork when we try and get on top of our money... then I remember that we just whacked them on a credit card before and barely noticed them while now we are trying to be more careful and use cash we feel the pinch more.

    It sounds like you are making great strides forward.

    Your mobile phone bill on your soa seems quite high - is this something you could reduce?
    Today is a new day £93/310 £10 a day Mar Challenge DFD August 2021
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