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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 3
    • Onebrokelady
    • By Onebrokelady 4th Mar 18, 5:40 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    This really brings home the importance of having an emergency fund,I would now always prioritise putting spare money in my emergency fund over paying off debt,a lot of the debt I have is because I;ve never had an emergency fund so anything unexpected ended up on the CC,I feel safer now I have my emergency fund
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 636.00 Total Now Owed = 16,994
    Emergency Fund = 400.00 Xmas savings = 200.00
    • LiveLifeFull
    • By LiveLifeFull 5th Mar 18, 12:53 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Thirteen
    Okay, so, I've been away from MSE for a couple of days as I've been super busy. But its time for an update, so I don't fall too far off track.


    Good news re leak: The leak is now fixed! We had to spend abit of the emergency fund money (around 20) for some drainage cleaner stuff, we left it over night, and Voila!! Everything is running smoothly again! Thank god. and we didn't have to spend a fortune.


    Bad news re leak: The floor is ruined in the kitchen. We have vinyl flooring in the kitchen and it is damp now because of the leak. We were planning on getting the floor downstairs done with laminate flooring anyway, so it will just have to be done sooner rather than later. Its a good job we have an emergency fund now. It was sitting at 308, but because we aren't paying council tax this month or next month, it is now currently at 416 and by the end of the month will be at a total of 524, which is MORE than enough to buy the flooring we want and get it fitted.
    ALSO.. because of the leak, our washing machine has broken. Grr. Just some rubber banding from the inside of the door has come off. We think its easily fixable, and can be put back. My OHs dad is such a good handyman, so hopefully he can do that soon.


    Apart from that - its not been a spendy weekend at all! I didn't spend anything yesterday on my day out for my Aunties birthday. I also cancelled my gym membership at the beginning of February, and I thought they were going to take the last direct debit out this month, but they haven't, so that another 20.00 saved. Also, because of the snow, we haven't been food shopping. We did have a takeaway the night of the leak as all our appliances got covered in water, but we ordered from a local pizza business rather than dominoes, and went through TCB! The rest of the time we have been using what we have got in and just making do.


    I did have to buy lunch for work today though - I used 5 from the food shopping budget which can be from the underspend last week - as I went away with my mum yesterday and left my bag in her car! So this morning when I went to make lunch - I didn't have anything to put it in. But that's only the second time since the 20th Feb that I've bought lunch at work, when it used to be everyday, and I actually HATE that I had to do it.


    I really feel like mine and my OH attitudes have really changed. We are SO ready to be debt free!


    TO - DO LIST
    - Food shopping with list DONE
    - Buy birthday car for Aunty and go to her house for half an hour DONE
    - Pay car tax DONE
    - Meal plan for the next few days DONE
    - Tidy living room/bathroom/kitchen DONE ISH
    - Put dry washing away NOT DONE
    - Arrange to fix washing machine NOT DONE
    - Go over account balances with OH for the rest of the month DONE
    - Read at least three chapters of the book I'm currently reading NOT DONE
    - Make dinner from stores DONE
    - Prepare lunches for tomorrow DONE
    - Change bed sheets DONE
    - Have a nice looonngg bath DONE


    Have a good Monday everyone!
    Last edited by LiveLifeFull; 06-03-2018 at 10:19 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 5th Mar 18, 12:56 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    This really brings home the importance of having an emergency fund,I would now always prioritise putting spare money in my emergency fund over paying off debt,a lot of the debt I have is because I;ve never had an emergency fund so anything unexpected ended up on the CC,I feel safer now I have my emergency fund
    Originally posted by Onebrokelady

    Completely agree! We are so lucky that we started saving for the EF this month! Even though it super small right now (416), we actually feel so much safer knowing we have it there!
    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 5th Mar 18, 12:57 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    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!
    Originally posted by jvr

    Thanks JVR! Yes, we feel a lot more secure knowing we have that money there now. We are porbbaly going to have to spend it now to replace are damp kitchen floor, but I guess that is what it is there for. We will then focus on rebuilding it asap.
    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 5th Mar 18, 1:03 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    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?
    Originally posted by savingholmes

    Thanks SavingHolmes! I really do feel like we have finally screwed on our heads. I'm happy that I found this website now, while I'm still only 26, and I can nip this in the bud earlier on in my life!


    Definitely! If we didn't have this small EF, we would have had to use the credit card, and we definitely would have, without question as it was for an emergency! Even though it was annoying that in our first month of trying to be good with our money, the money demon started laughing, we still felt quite pleased that we had that EF fund there!


    Our phone bills are high! We have two iph0nes between us, and mine is up in Jan 2019, which I'll go to sim only, but my OH isn't until the end of 2019. To be fair, we are on them ALOT, including work. So we don't feel too bad about paying for a lot of usage, but when the time does come, we will change our payment plans!
    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 6th Mar 18, 10:34 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Fourteen
    Morning! I'm only two weeks into this debt busting ride and I feel like I've come such a long way already. Me and my OH have paid off debt this month, we've started an emergency fund, and we've been battling against the odds of Mothers day/birthdays/drainage leaks! I'm so proud of us


    We went shopping last night for the next few days (we shop for about three/four days worth of food, as we were having too much waste when we shopped weekly) and we spent 29 in Ice!and. I usually shop at Ald! but I nip into Ice!and occasionally for the Slimming W0rld range. So we are right on track with our food budget for the month so far.


    I have bought my own lunch to work again today - I'm am saving a fortune doing this honestly. I want to experiment with different lunches though, as I'm sick of yogurts, batches and fruit. Maybe some nice soups?


    I also paid my car tax yesterday, with is 30.00 for the year - and that was all budgeted for. So that's done and dusted until next March. Andddd, we got a letter through the post saying that they are fitting Smart Metres in our area, so we are currently looking into the benefits of doing that if we decide to. Does anyone else have a smart metre? What are they exactly?


    Only half way through the month and I can't wait until next pay day already so I can play with all my spread sheets I've got going on.


    TO - DO List
    - Make dinner from stores DONE
    - Make lunch for work tomorrow DONE
    - Put dry washing away NOT DONE
    - Clean bathroom/living room/kitchen DONE ISH
    - Sort out broken washing machine before we fall behind too much on washing NOT DONE
    - Read at least SOMETHING of the book I've started NOT DONE


    MEAL PLANS Tuesday - Saturday
    - Slimming W0rld burgers and Veg
    - Slimming W0rld Sausages and Mash with Veg
    - Ham and Mushroom spicy Frittata with Side Salad
    - Homemade Burger in a Bowl with Big Mac Sauce
    - SpagBol/Chilli with a side of Veg


    Happy Tuesday!
    Last edited by LiveLifeFull; 07-03-2018 at 10:10 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 7th Mar 18, 10:26 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Fifteen
    Quite a scary morning, my local hospital has had a major fire and the hospital has had to be evacuated. Apparently, there are no injuries though, thank god. I hope everything sorts itself out.


    Me and the OH went to the cinema last night to see Red Sparrow. It was actually really good and I have a bit of a girl crush on Jennifer Lawrence We pay 17.40 per month, as we go ALL the time, and it stops us from going other places where we would spend more money. We have earned our money back twice over on this. We spent 2.70 on a drink there, got a small, and it was all budgeted for in our "entertainment money" fund. So really happy with that. Before, we would have a got a large drink, two hotdogs or a popcorn A bazillion pound just for the cinema


    Took my lunch to work again today. Same old boring sandwich, fruit and yogurt. I need some nice and healthy soup recipes, filled with lots of veg. I have no idea what's nice or not, but I just have a big, fat craving for soup


    Money is all accounted for in the bank, no unexpected purchases. We are being so good.


    TO - DO LIST
    - Keep on top of work DONE
    - Tidy living room/kitchen/bathroom NOT DONE
    - Put dry washing away (why cant I do this?) NOT DONE
    - Read some of my book NOT DONE
    - Make dinner from stores DONE
    - Make lunch for tomorrow DONE
    - Figure out what to do with the washing machine NOT DONE


    Mid week
    Last edited by LiveLifeFull; 08-03-2018 at 10:19 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
    • Mnd
    • By Mnd 7th Mar 18, 3:11 PM
    • 503 Posts
    • 607 Thanks
    Mnd
    Re your lunches..
    Get a soup maker if you can afford one 50 approx but makes it so easy even my wife uses it.
    She takes soup for her lunch at least 3 times a week
    She takes a lot of wraps with hard boiled eggs or cheese.
    I treat I make her is her Quorn sausage in a wrap..like a healthy sausage roll
    Last edited by Mnd; 07-03-2018 at 4:57 PM.
    • LiveLifeFull
    • By LiveLifeFull 7th Mar 18, 3:39 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Re your lunches..
    Get a soup maker if you can afford one 50 approx but makes it so easy even my wife uses it.
    She takes soup for her lunch at least 3 times a week
    She takes a lot of wraps with hard boiled eggs or cheese.
    I treat I make her is her Quorndon sausage in a wrap..like a healthy sausage roll
    Originally posted by Mnd

    Thanks Mnd! I'll see if I can find a cheap soup maker!
    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 7th Mar 18, 3:44 PM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Mortgage Free Wannabe
    I know I definitely want to be debt free, with a substantial amount of savings before I even CONSIDER over paying the mortgage, but the over payment calculator is so addictive.


    As soon as the opportunity presents itself to over pay, I will be. I know the feeling of being Debt Free will be AMAZING, so I can only imagine the feeling of being Mortgage Free.


    At the moment, on my mortgage, if I over pay by only 16.00 per month, it would knock a year off our mortgage date. 16.00!!!! Its totally worth it!


    Debt first though. Focus LiveLife.
    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
    • Toni'sfriend
    • By Toni'sfriend 7th Mar 18, 3:45 PM
    • 1,246 Posts
    • 12,133 Thanks
    Toni'sfriend
    My son takes home made soup in a flask every day. Current favourites are chicken and rice (good for using up leftover rice), chicken noodle and lentil. Basic recipe soften onion, celery and carrot (or any combination thereof) add chicken or vegetable stock (made with stock cubes is fine) and then throw in whatever you fancy (lentils, noodles, rice, broth mixture etc). Great for using up all those annoying tiny bits of left over chicken and a chilli added at the softening vegetable stage gives it a little bit of kick. Basically just experiment. It will save you a fortune rather than buying tins.
    • LiveLifeFull
    • By LiveLifeFull 8th Mar 18, 10:41 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Sixteen
    Morning!


    Not much to tell at the moment. Everything is running along nicely (except my washing machine )
    Had another NSD yesterday, brought my lunch to work again today. So far so good!


    I think I'm so focused on clearing this debt, I've lost focus elsewhere. I've had clean washing in the spare bedroom for about two weeks now


    Googled some soup recipes last night. I really like the idea of a butternut squash soup, or tomato and basil. So next time we go shopping, I'll make sure to get the ingredients for that to batch cook over the weekend.


    I need to stop being lazy and actually finish my to do lists that I'm setting for myself. I don't think the weather helps. I just want to get a blanket and watch TV. My OH doesn't help either, hes watching Fr!ends for the first time through (I've seen every episode multiple times) but I just end up watching them with him.


    TO - DO List
    - Keep on top of work at job DONE
    - Tidy kitchen/living room/bathroom NOT DONE
    - Make dinner from stores DONE
    - Make lunch for tomorrow DONE
    - PUT DRY WASHING AWAY NOT DONE
    - Read some of my book (1 chapter at least) NOT DONE
    - Have a nice, long bath but share water with boyfriend DONE


    Almost Friday everyone!
    Last edited by LiveLifeFull; 09-03-2018 at 10:48 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 8th Mar 18, 10:43 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    My son takes home made soup in a flask every day. Current favourites are chicken and rice (good for using up leftover rice), chicken noodle and lentil. Basic recipe soften onion, celery and carrot (or any combination thereof) add chicken or vegetable stock (made with stock cubes is fine) and then throw in whatever you fancy (lentils, noodles, rice, broth mixture etc). Great for using up all those annoying tiny bits of left over chicken and a chilli added at the softening vegetable stage gives it a little bit of kick. Basically just experiment. It will save you a fortune rather than buying tins.
    Originally posted by Toni'sfriend

    Thanks Toni'sFriend, this is a great idea. We ALWAYS, have left over rice and noodles. We always just threw them away, which I absolutely hate doing as I'm trying to reduce our waste. Thanks for the tip! I'm going to give some a go this weekend.
    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 9th Mar 18, 11:02 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Seventeen
    Morning!


    Nothing much to report still! I had a NSD yesterday. The OH didn't, as he nipped to the shop for some light mayo, and then told me he bought a 1 Easter egg and ate that on the way back But I've took that out of the food money, and we are still on track with that, so I won't call it a disaster. I've bought my lunch to work again today, so proud of myself this week.


    Our washing machine is still broken. We have one option left to try and fix it, if not, we are going to have to buy a new one. Bye bye emergency fund.


    Our budgets are ticking along nicely this month. For the first time ever.


    We have a meal out tomorrow for my Aunties 50th birthday, but we've both checked what we are having on the menu, and it will be less than 20.00, which is what we budgeted for it. Its then Mothers Day on Sunday, with I've budgeted 55.00 for. But I really don't want to spend that. After my disaster with group0n, I decided to just ring a place and book us directly. Its 36 for the both of us, so a little saving will be made there too.


    TO-DO List
    - Go cinema tonight and not buy any drinks/snacks (We pay 17.40 monthly, and go about 5 times pm)
    - Make dinner from stores
    - Tidy Living room/kitchen/bathroom
    - PUT DRY WASHING AWAY
    - Read some of my book
    - Generally chill out and have a little pamper. (Paint nails, pluck eyebrows, facemask)
    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 9th Mar 18, 11:23 AM
    • 420 Posts
    • 1,304 Thanks
    jvr
    How have I only just discovered mortgage overpayment calculators... it's addictive! Total priority once out of debt!
    Debt: 10,006 now 8698.38
    Emergency Fund: 456.17/ 1000


    • LiveLifeFull
    • By LiveLifeFull 13th Mar 18, 9:47 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Twenty One
    I am so annoyed at myself.


    I overspent on my Aunties birthday and on Mothers day. Both due to alcohol. I honestly think I'm rich when I've had a few drinks. PLEASE tell me someone has a solution to help me stop throwing my money away when I'm a little merry. It ruins everything. I know some people will say "just don't drink" but I'm young, I'm not in LOADS of debt, and I want to enjoy my life. I also refuse to leave my card at home, because if any emergencies happened, I don't know what I could do. I just need to rein it in. I spent 25.05 more than I had budgeted for this weekend. I know its not loads of money, but it all adds up. Considering I budgeted 55.00 for Mothers Day, there was no need to spend any more than that, but did I? Yes. Though, it was probably the best day me and my mum have had in ages. But still!!


    Never mind, as long as I'm not spending on my credit card, which I haven't. I have nothing more coming up this month, so I have to be good. Its payday next Friday, so just have to make it until then.


    Well, I also have to renew my car insurance this month on the 17th. But I've found some really good deals on TCB, so I will be doing that. We need to call the plumber out to fix out washing machine, with is going to cost a bit. But that's what we have the emergency fund for.


    Still up to date with our food money. Both me and OH are still bringing lunch to work, we've actually saved lots of money doing this tbh.


    I'm just going to draw a line under last weekend, and continuing going forward. Its the first time since I started my diary that I sort of took my eyes off the prize - even if it was only for a second.


    TO - DO List
    - Keep on top of work at job (went on a management course yesterday, I hope to be promoted within the next year or two, so I'm doing everything I can to increase my chances. DONE
    - Tidy kitchen/livingroom/bathroom DONEISH
    - Collect washing from parents house DONE
    - Put away clean, dry washing NOT DONE
    - Make dinner from stores DONE
    - Make lunch for tomorrow DONE
    - Hoover kitchen/living room NOT DONE
    - Write checklist of things that need doing to the house and find out costs NOT DONE
    - Read a bit of a book NOT DONE


    Have a good Tuesday everyone!
    -
    Last edited by LiveLifeFull; 14-03-2018 at 9:53 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 14th Mar 18, 10:00 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Twenty Two
    Morning everyone,


    I didn't get much done last night, as I ended up going to my mums for a cuppa. She's currently washing mine and OH clothes as our washing machine is broken. Its 70.00 just to get someone to come and look at it.


    I spent 1.50 this morning on a drink. I haven't done that in ages and its made me feel slightly guilty. I do like paying off debt and watching the numbers go down but I hate this feeling of guilt. I never had that before I found MSE. I guess I'll just have to get rid of the debt faster. At least then, when I spend any money, its MY money.


    I quit the gym at the beginning of my diary - I didn't see the point in paying for it when my OH is qualified as a personal trainer - we have a first session tonight. I wonder if HE will survive?


    Also, my OD charges are so expensive! Its really annoying! 22.82 was taken from me last night. Boo I think I'm going through a "feeling sorry for myself" stage at the moment, and really lacking in motivation.


    TO - DO List
    - Work hard in job DONEISH
    - PT session with OH (I think he mentioned boxing?! DIDNT DO as OH was home late
    - Cook dinner from stores DONE
    - Make lunch for tomorrow DONE
    - Read some of book DONE
    - Have a nice long bath and pamper myself (try and get into the spirit again) DONE
    - Hoover downstairs and mop. DIDNT DO


    Have a good Wednesday
    Last edited by LiveLifeFull; 15-03-2018 at 10:43 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
    • jvr
    • By jvr 15th Mar 18, 10:45 AM
    • 420 Posts
    • 1,304 Thanks
    jvr
    How close are you to paying off your overdraft, it could be worth looking at getting a 0% money transfer card to pay it off so you stop paying interest and then the discipline is to actually close your overdraft!


    I have linked savers in my app for the account so if its a big night out and I know OH in particular starts to get very generous, I only put in the amount budgeted and then have more in the linked account so in an emergency can transfer it over but it takes me actively choosing to steal the money from there and puts me off!


    Good luck with pt session.... I would end up murdering my OH!
    Debt: 10,006 now 8698.38
    Emergency Fund: 456.17/ 1000


    • Suffolk lass
    • By Suffolk lass 16th Mar 18, 5:11 AM
    • 1,971 Posts
    • 20,631 Thanks
    Suffolk lass
    Re your OD charges, they do seem extraordinarily high. Is this an arranged OD? If not, that is your first step. This means you only get charged the agreed interest rate and no fee each month. If your bank won't do it, look to swap to one that offers a free OD up to x amount and then work to stay inside that.

    You mentioned taking your card as an emergency fallback on nights out.

    I used to do several things.
    1. Put 100 in cash, in an envelope or some sort of zipped compartment and keep that as your "get stuck emergency fund" - taxi home if left stranded, that sort of thing.
    2. Put your card in a sealed envelope with a note to yourself on the envelope that reminds you what you are doing if you use it
    3. Intersperse the reckless-inducing alcohol with a glass of water - it is marvellous for your wallet and your head the next day

    Re the suggestion of a soup-maker. In your financial circumstances this should be a saucepan, which I am guessing you already have. A wand mixer could be added for a fraction of the cost if you don't have a liquidiser/mixer. Anything else is a gadget that takes up space in your cupboard to do one thing, where your mixer/liquidiser can do multi things (smoothies, milk-shakes, etc)

    Have you checked out the self-help forums regarding your washing machine? I managed to find out what the actual problem was for mine on the white goods forum (the door would not release at the end of the cycle). I bought the part on-line but it remains in its packaging because the forum interim no-cost fix just continues to work (two years on)
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save 12k in 2018 #53 - after March 19.96% 1,996.19/10,000 5.04% behind
    OS Grocery Challenge 2018 spent 721.33/3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • LiveLifeFull
    • By LiveLifeFull 16th Mar 18, 10:31 AM
    • 83 Posts
    • 227 Thanks
    LiveLifeFull
    Day Twenty Four
    I don't know where my post from yesterday has gone?? Looks like its been deleted. Oh well.


    I went through the food money pot yesterday, to check if we had enough in there to get us through until Thursday 22nd - as I get paid on Friday! and we had 55.00 in there!! That is MORE than enough! I'm so proud of me and OH. We've both religiously took lunch to work everyday (Except maybe 2 or 3 days) and we've really noticed how much our bank balances have improved. Its so much easier to budget your money when you're not trying to remember what you've whacked on contactless.


    SO, because we've been such good little we both agreed this morning that we can take 5.00 each and buy ourselves a nice lunch. I know that 10.00 could go towards debt, but I do think we really deserve this. And at least we are discussing it, and budgeting for it, instead of just doing it.


    Need to buy my car insurance tomorrow. That will be done through TCB, so I'm hoping to get a good deal and a little bit of money there.


    I've been really looking into how to be more productive through the day, because I find I'm just so lazy when I get home from work everyday. I reaaalllyy want to be a morning person, everyone seems to get so much done in the mornings, but I can just never bring myself to get out of bed before 8am. But I've been watching YT videos, and I want to give it go. I feel that if I get up, exercise, make my bed, have a nice breakfast, tidy the house a little, then go to work, I will feel SO positive and motivated, I wouldn't want to eat s*** because I've exercised, helping my weightloss, making me feel good about myself, therefore spending less money, and it all just makes sense in my head. I'm rambling.. Sorry


    TO DO List
    - Make dinner from stores
    - Put clean, dry washing away (MUST do this today)
    - Menu plan up until Thursday
    - Tidy living room/ kitchen/bathroom
    - Get rid of cobwebs on ceiling if there is any
    - Read some of my book
    - Research ways into how to get out of bed early
    - Pluck my own eyebrows (instead of paying for someone else)
    - Paint my nails
    - Try not to put the heating on (we haven't had the heating on all week )


    Happy Friday 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
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