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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 22nd Feb 18, 5:58 PM
    • 1,385Posts
    • 5,360Thanks
    Poor_Single_lady
    Poor Single Lady Debt Diary - Trying again
    • #1
    • 22nd Feb 18, 5:58 PM
    Poor Single Lady Debt Diary - Trying again 22nd Feb 18 at 5:58 PM
    Hello All.
    Things are changing and moving forward and so I feel it's time for a new debt diary.

    I've recently made a lot of changes and hoping to maintain these but there are also some things that need some serious work.

    Unavoidable's
    £490 mortgage
    £100 council
    £140 management fee
    £12 TV licence
    £40 electric
    £20 water
    £25 Charity Donation (yes I know)
    £13 Lovefilm
    £20 eyebrows
    £47 phone and home internet
    £48 entertainment direct debit
    Tbc overdraft charge if applicable
    IRO £960

    There are a few credit cards on top of these.
    Working on these. I have the totals written down.

    Everything has been reduced and restricted.
    I have changed my diet and drinking less.

    Less clothes and make up and restricting impulse purchasing.

    Less social but still some.
    Ditching toxic problematic friendships. And possibly being a bit more selfish.

    Going on holiday with my parents in June. The are paying for me initially and I will pay them back but haven't been away for years and really looking forward to it.

    This will be boring but having a diary helps me manage things.
    Trying to keep it positive where possible. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
Page 3
    • Poor_Single_lady
    • By Poor_Single_lady 13th Mar 18, 7:36 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    No Spends Today

    Need to have more days like this.

    Need milk, carrots and peas tomorrow but meals are planned. Then no evening plans.
    A bit of social next week.

    Would love so many things right now. Just need to focus and get through to April and then reassess. Trying to be but it does not come naturally.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • doingitanyway
    • By doingitanyway 13th Mar 18, 7:38 PM
    • 3,014 Posts
    • 14,794 Thanks
    doingitanyway
    Well done on your NSD

    Keep your eyes on the prize.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • moneyonmymindsam
    • By moneyonmymindsam 13th Mar 18, 7:42 PM
    • 1,406 Posts
    • 4,276 Thanks
    moneyonmymindsam
    Hi PSL

    I agree with DIA - Keep your eyes on the prize !! I love your honesty



    Good that you have a lot of socials going on. Make sure you keep checking back to let us know how you are doing no pressure

    Sam x
    Emergency Fund Challenge
    • Poor_Single_lady
    • By Poor_Single_lady 14th Mar 18, 9:36 AM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    Thank you both. 2 people who have done very well. I tend to agree with basically everything DIA says!
    And I think I read that sam has savings so it is possible! Both very inspirational.

    Recently I was dating someone and it's not going anywhere and we not seeing each other anymore.
    But I always think I'm quite rubbish as an adult but dating this person made me think actually I'm more accomplished than I might have thought.

    He lives with his mum and she pays his mobile bill. He couldn't understand how my flat doesn't have sky or broadband or why my tv is so small. Or why I don't have a dishwasher.
    And It made me think quite a bit. He was a bit clueless on life.

    Most people understand that living on your own and having a mortgage is expensive but this seemed to have passed him by.

    He also asked me what I paid for the flat which kind of upset me. I felt like that isn't something you should ask someone you are dating. Like you are doing your calculations money-wise. Made me feel sad in my tummy.

    But he has gone now and I am happier on my own. More content and definately more confident. Dating just makes you feel so self conscious and insecure and doubting yourself.
    You go on dates and it's supposed to be enjoyable but it isn't. Then you see your friends and you realise you're actually having an amazing time because you don't have anything to worry about.
    The more I date the more I think this is not for me.
    And it saves money too!
    Food shopping later. Not much else going on which is good.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • maddiemay
    • By maddiemay 14th Mar 18, 10:34 AM
    • 3,464 Posts
    • 31,766 Thanks
    maddiemay
    Lots of young and little less young people now live with their parents because of financial circumstances, this encounter just goes to prove how wall you have done and how grounded you really are. Yes you have blips and want to have and do nice things, most of us do from time to time, but as each month passes you have become more focused on clearing your debt. It must be hard, but in time you will have complete freedom of choice in how to use your money and the impact on your health and well being when you don't have to worry about how every pound spent will affect your ability to pay your necessary outgoings etc will be amazing.
    • Seasidegal58
    • By Seasidegal58 14th Mar 18, 1:27 PM
    • 1,912 Posts
    • 11,708 Thanks
    Seasidegal58
    Emerged out of lurkdom PSL. I agree totally with what maddiemay has posted. I do think you are quite right in not seeing this guy anymore as he sounds very immature for his age - and his mother certainly isn't helping him by paying his mobile bill for him! He appears to have totally no idea of what life is like in the real world - I think if he ever sets up on his own he will be posting on the DFW thread at some time in the future! I feel sorry for younger people who are finding it so hard to buy/rent homes, but so many of them appear to be happy to stay at home indefinitely and, like your friend, have some one else fund their lifestyle!

    You have your feet on the ground and I'm sure will eventually find someone who has the same values and with whom you can build a successful, money-sensible relationship!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • Poor_Single_lady
    • By Poor_Single_lady 14th Mar 18, 4:26 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    Thank you both - and all really- for such supportive posts.
    It can be so hard paying money back and worrying that your decisions are wrong.

    Spends - Food £10.50
    Milk, bread, baked beans, carrots, peas, crisps, chocolate, soup.

    Trying hard.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 15th Mar 18, 5:23 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    Spends £12.50
    Foods £10
    Home - Washing tabs £2.50


    Home tonight.
    Hoover and clean
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 16th Mar 18, 5:58 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    No Spend Day

    But tomorrow need to get wine to take to friends and maybe some flowers.
    Then going out Thursday definately and probably Wednesday and maybe Tuesday so next week is a bit challenging.

    Then Easter is a bit challenging. Pub invites and everything.
    But need to keep focus.

    Feel like there are so many things I want at the moment and spending quite a bit on eating but constantly need foods.
    I think I've been super fussy this month on eating because I don't think I normally spend so much. But I have made meals and put them in the freezer too and making soup later today. Plus had takeaways which I am trying to cut down on but don't want to give up completely.

    Trying hard.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • doingitanyway
    • By doingitanyway 16th Mar 18, 7:19 PM
    • 3,014 Posts
    • 14,794 Thanks
    doingitanyway
    Hi there PSL,

    You are doing just fine and it is so gratifying to see how positive and confident you are lately.

    You have so much more awareness, so even when you are spending more it is not mindless spending.
    If you have a more spendy time coming up that sounds okay. You will sort your needs, wants and can wait until laters. Trust yourself.

    You are young and still need to live, just stay aware and get back on track as soon as you can.

    Enjoy your socialising
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Poor_Single_lady
    • By Poor_Single_lady 18th Mar 18, 5:33 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    Thank you DIA. I am quite boring now tho.

    Spends
    Drinks £12
    Wine, flowers, cereal £9

    Need top up shop tomorrow and then see what happens Tuesday.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 18th Mar 18, 6:04 PM
    • 1,787 Posts
    • 10,723 Thanks
    Cumbria lass
    I love your shopping lists. Would it not be more beneficial to just shop once a week. Or would that not work for you ?
    CC1 £3655 April 2018.
    • Poor_Single_lady
    • By Poor_Single_lady 18th Mar 18, 10:32 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    I don't think I could cope just shopping once a week. I have to go twice to restock on milk - but I can't drive so can only buy what I can carry. And then some shops are cheapest for certain things. Iceland does cheapest tea and good range of chocolate.
    Then you can't get everything in Lidl so need to go to other shops for some brands.
    I am rubbish at sticking to a meal plan as well. And probably eat far too much.
    Got a food plan for tomorrow sorted out and a shopping list.
    Tomorrow is 19th so still quite a lot of money left to go. Will need to dig deep.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 18th Mar 18, 10:33 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    Month not money.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 19th Mar 18, 10:32 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    Today was a bit spendy but on food and drink. Got eyebrows done too but include that as unavoidable (of course it isn't really)

    Alcohol at home £11.50

    Food Total £20.50
    Meat £5.50
    Veg and Milk £6.00
    Peanut butter and salad dressing £5.50
    Popcorn and chocolate £3.50


    Made spaghetti bologese portions to put In freezer.

    Should just need bread, milk and fruit until April.

    1 more credit card due before end of month. Need to try and keep things low key. And need to stay warm! xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • moneyonmymindsam
    • By moneyonmymindsam 19th Mar 18, 11:21 PM
    • 1,406 Posts
    • 4,276 Thanks
    moneyonmymindsam
    Today was a bit spendy but on food and drink. Got eyebrows done too but include that as unavoidable (of course it isn't really)


    Made spaghetti bologese portions to put In freezer.

    xx
    Originally posted by Poor_Single_lady
    Well done

    You doing good to me
    Emergency Fund Challenge
    • coastalchick
    • By coastalchick 20th Mar 18, 7:41 AM
    • 282 Posts
    • 461 Thanks
    coastalchick
    Loving your new diary - will comment properly when time permits (we are having a stress about whether to just throw caution to the wind and get married just the two of us NOW -so lots of planning/deliberations going on) but you're doing great. xx
    • doingitanyway
    • By doingitanyway 20th Mar 18, 8:16 AM
    • 3,014 Posts
    • 14,794 Thanks
    doingitanyway
    Today was a bit spendy but on food and drink. Got eyebrows done too but include that as unavoidable (of course it isn't really)
    Originally posted by Poor_Single_lady
    Think eyebrows are such a boost for such a small amount of money. Totally worth it. They kind of are essential. Mine need doing thanks for the reminder.
    Have a good MSE day
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Poor_Single_lady
    • By Poor_Single_lady 20th Mar 18, 10:44 AM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    Thank you all. I am really hoping that April will be less spending on foods.
    Shouldn't need anything today at least.
    But need some house supplies. It is just never ending at the moment!
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 20th Mar 18, 10:55 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    NSD Today

    I thought there was a post here on doing internet food shopping. (But possibly I read this elsewhere and getting confused).
    So have done an internet food shop to be delivered beginning of April and can edit this up to delivery date.

    I will need some loo roll which is the number one thing I hate buying as a non driver. It's hard to explain to people that drive but everyone who doesn't drive and lives alone understands.
    So have ordered about 6 months supply so don't have to buy any. And then milk and things I buy regularly and some things that are on offer. Never had an internet shop before so see if it helps.

    Trying hard to be .
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
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