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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 22nd Feb 18, 5:58 PM
    • 1,451Posts
    • 5,613Thanks
    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 5
    • Poor_Single_lady
    • By Poor_Single_lady 31st Mar 18, 8:45 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    NSD Today.

    Felt very spendy and looking forward to April.

    Sunday - small top up shop
    Monday- social
    Tuesday - take lunch in and food shop delivered
    Wednesday - take lunch in home after work
    Thursday - take lunch in home after work

    Mon- bank hol
    Tues - most of the bills
    Then no direct debits until 9th.

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

    2018 plans - reduce debt
    • doingitanyway
    • By doingitanyway 31st Mar 18, 9:04 PM
    • 3,294 Posts
    • 17,718 Thanks
    doingitanyway
    You are trying hard and your efforts will pay off. Keep going. Enjoy your shopping delivery
    Emergency fund 500/1000
    If not now then when?
    • Poor_Single_lady
    • By Poor_Single_lady 31st Mar 18, 9:59 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    Lol. Probably not wrong.

    But at least it's real.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • coastalchick
    • By coastalchick 1st Apr 18, 8:59 AM
    • 291 Posts
    • 464 Thanks
    coastalchick
    Ah, yes, then I see it might be difficult. Are you able to find some local friends? If you like reading, there is a FB group called the Poppy loves bookclub and you can either join in online from home (for free so very MSE, esp if you borrow the book from the library rather than buy it), or there are various groups - might be one local to you!

    TBH I think I am going to have to find some new friends(!). In my close friendship group, my MOH has just moved to Aus for a minimum of 2 year(!) and the rest of that group are not going to have kids so there is already a bit of a divide (from them, not me, and not from them in a nasty way, just that the group trips we did previously probably won't happen as they won't be the same). Signing up for NCT classes though in the hope that will allow us to meet some new people!!
    • Poor_Single_lady
    • By Poor_Single_lady 1st Apr 18, 2:53 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    Awwww thanks Coastal. I had a look and might give it a go. Their books like a bit High brow for me but love the concept. Thank you. xx

    Your friends will still want to be your friends but things will be slightly adjusted. My best friend has 2 children under 4 and we manage to do things together and sometimes with kids too* Although when the kids were first born we didn't do very much.

    But we still love each other and we still want to see each other. See how it works out. *most of her friends are mums now and I think sometimes she thinks I don't understand about being a mum. But we both try hard.

    It will be OK. And NCT will be good. My friend has lots of NCT friends and she found it very helpful. You never know you might in time take a trip over to your friend. Although right now it probably seems unthinkable! But see how
    It goes. xx






    I had forgotten it was Easter today and hardly any shops open so will need to pick up a few bits tommorow but means today is NSD. So a good way to start the month.

    Always feel a bit stressed just before mortgage is paid but once most money goes out Tuesday will feel a bit calmer.

    Tomorrow need -

    1)small food top up shop
    2)Social including travel, pub, McDonald's
    3) new toaster

    The last one was producing smoke and has stopped working altogether so need to replace.

    Then need to make lunch for Tuesday so that Tuesday is NSD.

    Then make lunch for wed,Thur,fri and be home for delivery Tuesday.
    So that the week up to Saturday is very very low spend.
    Then see what Happens from Saturday onwards.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 2nd Apr 18, 9:57 AM
    • 2,182 Posts
    • 13,329 Thanks
    Cumbria lass
    You are doing great PSL , hope you have a good bank holiday.
    CC1 221 /3718
    • Poor_Single_lady
    • By Poor_Single_lady 3rd Apr 18, 10:20 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    Thanks Cumbria.
    I have started the month with quite a bit of spending.

    Travel 18
    McDonald's 5
    Pub 28
    Magazine 4
    Home 24
    Foods 30
    And I still haven't yet replaced the toaster

    Made lunch for tomorrow and nothing planned social-wise.
    Should make lunch thur and maybe Friday depending.
    Do have some other costs coming up. Paid mortgage and most of bills.

    Hoping for quiet weekend. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 4th Apr 18, 10:14 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    Food shop came yesterday. Very pleased. The man was really nice and now got lots of loo roll- and cupboards and feeezer are full so that's good. Lots of meals to be eaten.

    Although did buy lettuce, salad creme, real butter, crisps, chocolate, biscuits today and some jelly sweets. Couldn't add lettuce to shop so now have one and can Do lunch for tomorrow.
    Think I slept 8 on food today.
    Not very much else going on.

    Trying hard

    *there is a post above which doesn't make much sense - it was in response to something somebody posted that wasn't great but please ignore- I have trouble quoting on my phone.

    Very tired.

    No social plans till Tuesday.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 5th Apr 18, 6:04 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    NSD Today

    Tomorrow going out for lunch but will not be expensive. Then home in the evening.
    Early night tonight.

    3 weeks till payday and 4 credit cards payments next week.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • coastalchick
    • By coastalchick 5th Apr 18, 6:11 PM
    • 291 Posts
    • 464 Thanks
    coastalchick
    have a nice night in! I'm not out all weekend - just the way I like it!
    • Poor_Single_lady
    • By Poor_Single_lady 6th Apr 18, 6:35 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    Spends
    Work lunch 5 counting as social

    Not sure what the weekend will bring. Hopefully can just stay in and watch TV.

    Then
    Mon- take lunch in then home, possible food TOP up shop
    Tue - take lunch in then out in evening
    Wed- take lunch in and home,
    Thur- take lunch in and home
    Fri - take lunch in and tbc

    Need to keep a lid on the social. It gets all out of hand so quickly.
    Got too many invites but can only afford very little and a lot going on family-wise and best- friend wise.

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

    2018 plans - reduce debt
  • archived user
    Waving hello. You are doing great xx
    • Cumbria lass
    • By Cumbria lass 7th Apr 18, 8:11 PM
    • 2,182 Posts
    • 13,329 Thanks
    Cumbria lass
    PSL hope you have a lovely weekend .
    CC1 221 /3718
    • Poor_Single_lady
    • By Poor_Single_lady 7th Apr 18, 9:38 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    Thank you lovely ladies.
    I took cash out today and it's burning a hole in my pocket!

    Spends
    Toaster -Home 15

    Need some replacement flats but they are very cheap in primark.
    The problem with going into primark is that you want to buy everything.
    Bought a toaster today but then couldn't carry anything else.

    Have hardly bought any clothes in the last few Months. My mum bought me some jumpers including one from Boden which is lovely. But also kind of sad because that is the kind of thing I would buy if I didn't have debt.

    but I could really do with a lot of new things. For tomorrow going to try primark only and small food shop and possibly pick up some DVDs because I am not going out very much and getting a bit bored - but when I am going out it looks like it could be expensive.


    Wish it was closer to payday.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 8th Apr 18, 1:43 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    Spends
    Foods 7
    Orange, lettuce, sultanas, grapes, bananas, cumcumber, chocolate eclairs.

    Toiletries
    Toothpaste 2

    Primark
    21
    3x flat shoes
    2x top
    Blusher and socks


    Need to cook potatoes for lunchx3 and add salad and cheese/chicken the night before.
    Tomorrow should be NSD/pick up milk
    Tues out
    Wed home
    Thur home
    Fri home
    Sat - London pm and food shop am.

    Need to do some ironing and cleaning and prepare for the week.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • archived user
    Hey PSL - do you do any secondhand shopping? I quite often pick up Boden and other nice clothes in the shops round here. I don't tend to buy anything new now, and just go to charity shops for the thrill of the chase!
    • Poor_Single_lady
    • By Poor_Single_lady 11th Apr 18, 8:56 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    Aww Ramble we don't really see much Boden round these parts. My town is a bit like one you might see on a channel 5 show about families with no money. We have food banks that are heavily over subscribed and loads of our restaurants and pubs are empty because people just don't have the money.
    The town centre is full of discount shops, and the homeless population has rocketed.
    We have one of those shops where most people can get credit but the lending rate means that you pay for the thing you have bought 3 times over. This is one of our busiest shops.
    I buy a lot of books and DVDs but not clothes.

    yesterday went out after work - spent

    Foods lunch 3 and Lidl 6.50
    Drinks/pub 12
    Travel 25


    Tomorrow home
    Friday - pick up watch and pay for repair and meet friend for drink, come home after 1 or 2 or possible soft drink depending.
    Sat- pub, small food top up shop

    Very tired. Work is hectic- but the good kind.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • coastalchick
    • By coastalchick 12th Apr 18, 11:24 AM
    • 291 Posts
    • 464 Thanks
    coastalchick
    Could you do eBay for boden and netflix instead of dvds? Or, if you're heading into london anyway sat am root out some charity shops there which might have decent stuff?

    I actually hate clothes shopping (which is quite lucky I guess) so rarely buy anything, but as a result I now have no clothes!!!
    • Poor_Single_lady
    • By Poor_Single_lady 12th Apr 18, 8:47 PM
    • 1,451 Posts
    • 5,613 Thanks
    Poor_Single_lady
    I just kind of shop in primark for clothes as the moment. Kind of going without nice things and making do plus Sainsbury's is ok.

    Spent 12 today
    4 Foods - cereal, carrot, banana
    3.70 toiletries
    4.30 wine


    Going out for lunch tommorow (cheap) and quick post work drink then home and out Saturday. This month is going on for so long.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • doingitanyway
    • By doingitanyway 12th Apr 18, 8:48 PM
    • 3,294 Posts
    • 17,718 Thanks
    doingitanyway
    I just kind of shop in primark for clothes as the moment. Kind of going without nice things and making do plus Sainsbury's is ok.

    Spent 12 today
    4 Foods - cereal, carrot, banana
    3.70 toiletries
    4.30 wine


    Going out for lunch tommorow (cheap) and quick post work drink then home and out Saturday. This month is going on for so long.
    Originally posted by Poor_Single_lady
    I was just thinking the same thing...
    Emergency fund 500/1000
    If not now then when?
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