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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 22nd Feb 18, 5:58 PM
    • 1,388Posts
    • 5,365Thanks
    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 6
    • coastalchick
    • By coastalchick 13th Apr 18, 8:14 AM
    • 282 Posts
    • 461 Thanks
    coastalchick
    I'm still so amazed by how much food shopping is. Was reading an article on it yesterday and it is clear that the rising cost of food is outstripping wages. And it's not only that, everything else too. I got a 500 pay rise this year which translates to b*gger all after tax/NI yet all of our monthly bills (elec, water, council tax, telephone) are going up! Basically means I am less well off than I was last year. Not to sound all doom and gloom - I just mean that life is expensive and probably going to get worse, at least until Brexit really beds in!

    Hope you have a lovely weekend - very envious of your social plans. x
    • KxMx
    • By KxMx 13th Apr 18, 9:21 AM
    • 7,369 Posts
    • 10,615 Thanks
    KxMx
    Having looked at the total of my forecast fixed bills for April & May I'm definitely reassessing my general spending and priorities to compensate. Will be trying that little bit harder as well to make things balance and make the money stretch.

    How has the online food shop worked in terms of reducing your day to day food spends?
    • Poor_Single_lady
    • By Poor_Single_lady 14th Apr 18, 8:16 AM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    Food is so expensive. The food delivery was amazing and made my life a lot easier and probably did save me a bit of money but not a giant amount. But more improved my life.
    Got a few things to do today. Having a very busy time.

    Got a lot of sausages in the freezer and meals I have made so have sausages for lunch and spaghetti bolognese for tea. But going out in the afternoon.
    So need to remember to come home at a reasonable hour for tea, casualty and bed.

    And not to spend too much money but today is unlikely to be cheap. Need to keep focus and not lose it towards the end of the money. ( although I am struggling to believe it is only the 14th and it's another 2 weeks 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 14th Apr 18, 8:19 AM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    Forgot to note spends.

    Lunch 5.50 - work
    Drink out 8
    Lidl and Tesco 15
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • ramblehan
    • By ramblehan 27th Apr 18, 8:50 PM
    • 592 Posts
    • 1,218 Thanks
    ramblehan
    Long time no post lovely lady. Hope you are OK xxx
    01/03/18: 21,270 DFD: Dec 2035
    2018 challenge - 148.64/3,670 (4.2%) as of 25.04.18
    Sign up for YNAB via my link if you fancy it - thank you!
    • Poor_Single_lady
    • By Poor_Single_lady 28th Apr 18, 7:16 AM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    Thank you Ramble. I am ok just very busy and got a lot of specifics going on that I am struggling to write about. Worried about my nosy sister joining the dots asking me if PSL is me.
    My brother and sister were talking about this website a few weeks ago -saying how good it was and I was getting a bit worried!

    I'm not going out very much at the moment but heading to the pub today. Really need to lose some of this weight gain as a lot of clothes are too small for me so that needs some work.

    Just plodding along and trying hard. Worryingly there are no balance transfer deals available. So 2 of mine expire in August. There was a post of debt free wannabee where sonetimes if you phone the credit card company they can reduce the interest.
    I'm not sure. Been thinking about DMP also but not sure either.

    I know staying in helps. Big food shops help. Drinking less helps. And staying out of John Lewis and TK max helps. And making lists of what you need to buy.

    It was pay day yesterday but can't get too excited or think about spending until a lot of the bills are paid.

    I do read the diaries. But I'm such a disaster on the spending that I don't necessarily have much to add. But other people's diaries are helpful.
    Will try and post more leaving out the specifics. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 28th Apr 18, 7:35 AM
    • 1,791 Posts
    • 10,802 Thanks
    Cumbria lass
    I was wondering what had happened to you as well. Glad you are ok. I hope you are able to keep posting.
    CC1 3655 April 2018.
    • Poor_Single_lady
    • By Poor_Single_lady 12th May 18, 11:48 AM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    Not been up to much. Mostly food shopping and staying in. Watching DVDs and trying to be good till pay day.

    I can pay all the credit cards this month but there is zero room for any overspend mostly due to 2 expensive days out and holiday next month.

    Will need to be extremely good between coming home from hol and payday.
    Then make a plan for July. (Which could be just watching films and staying out of the pub)
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Magpie100
    • By Magpie100 12th May 18, 3:44 PM
    • 111 Posts
    • 254 Thanks
    Magpie100
    I know you are reluctant to post debt figures, but it is hard to offer advice without seeing the numbers involved. A DMP could be a good idea, or it could not - all we know I think are your rough outgoings in the first post, but without knowing your income/the percent of income servicing debt it is tricky to offer meaningful solutions.

    Obviously it's up to you whether you post more info, and I can see that you are working hard to bring the debt down, but I wonder if putting the actual figures here might help with the advice offered and to help you work out a way forward.

    Good luck!
    • doingitanyway
    • By doingitanyway 12th May 18, 6:54 PM
    • 3,025 Posts
    • 14,982 Thanks
    doingitanyway
    You are doing great PSL. This diary is for you. Use it the way you feel most comfortable. Keep going
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Wraithlady
    • By Wraithlady 12th May 18, 7:01 PM
    • 3 Posts
    • 22 Thanks
    Wraithlady
    Hi PSL, I've just joined the forums.

    Re Lovefilm, I don't know if you've switched after it folded but if you haven't, Cinema Paradiso offer the same service starting at 5.18 per month for 2 dvd's a month - not a huge saving but it's 7 a month.
    • Poor_Single_lady
    • By Poor_Single_lady 15th May 18, 6:57 AM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    The thing is not everybody is posting for advice.

    I've not read this anywhere but I thought the debt diaries page was set up first and foremost to give people an outlet.

    There are too many people who have massive debts that they keep a secret and tell nobody. Not because they have nobody but because it's VERY hard to talk about.

    So when I post here it doesn't reduce my debts but it makes me feel less alone. Even when nobody replies and it's just me posting.

    And not to be dramatic but the papers are still printing stories of people who can't cope with their debts, see no way out and take their own lives. And I don't think it's dramatic to say that it's sites this are working to stop that happening.

    It should really get more exposure so that people know they are not alone with their debt problem.

    The advice is kind of the same anyway. DMP or not and spend less. Simple as that really. Easy on paper, harder in real life.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • ramblehan
    • By ramblehan 15th May 18, 7:13 AM
    • 592 Posts
    • 1,218 Thanks
    ramblehan
    Amen to that. Xxx
    01/03/18: 21,270 DFD: Dec 2035
    2018 challenge - 148.64/3,670 (4.2%) as of 25.04.18
    Sign up for YNAB via my link if you fancy it - thank you!
    • Cumbria lass
    • By Cumbria lass 15th May 18, 5:46 PM
    • 1,791 Posts
    • 10,802 Thanks
    Cumbria lass
    Amen number 2
    CC1 3655 April 2018.
    • Poor_Single_lady
    • By Poor_Single_lady 20th May 18, 7:20 AM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    Have so many invites and texts from people wanting to do stuff that I can't Afford.
    My diary is full enough but still more coming in.
    Going on holiday in June and that's my excuse at the moment for saying no.

    Yesterday a lot of people I know went drinking in London and I had to say that I was busy elsewhere because that would have been expensive. But rarely for me i have major fear-of-missing-out.
    Even tho I know really it wouldn't have bee that exciting. But I still feel this FOMO.

    Ironically the thing I said I was doing was drinking in London with a wealthy friend whose Bar and restaurant bill will easily come to around 250 per person. But glad I wasn't there for that one.

    So I have a clean flat which is good. Went to pub Friday and stopped at 2 which is quite unheard of so pleased with that.

    Now just need to get through to Friday
    Pay day.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
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