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  • FIRST POST
    • LegBeforeWicket
    • By LegBeforeWicket 14th Mar 18, 7:14 PM
    • 22Posts
    • 68Thanks
    LegBeforeWicket
    Life on a sticky wicket in 5XL underpants
    • #1
    • 14th Mar 18, 7:14 PM
    Life on a sticky wicket in 5XL underpants 14th Mar 18 at 7:14 PM
    Hi MSE!
    Iím a mid to late 30s chap who has a bundle of debt, little income, a not so straightforward work history, a few ailments, and a rather wobbly backside. I appreciate that this is DFW and some of the things I wish to address fall beyond the debt category, but all these things are linked in some way and I feel like this is the right place for me to empty my little head of various thoughts.

    How have I got where I am today? Well, bad choices and laziness, mainly. Itís true that life has thrown me a couple of curveballs along the way, be they health issues or life events, and it would be uncharitable to fail to acknowledge that they have taken their toll, but I really must stand up and say that I, LegBeforeWicket, am entirely responsible for being in debt to the tune of £9448.71 This is the highest itís ever been and Iím determined to ensure that this is the highest it will ever be. Currently these are spread across six credit cards, all of which are on 0% deals; a couple end in 2019 and the rest in 2020.

    What about an SOA? Well, I canít provide one at the minute. Not helpful I know, but being in a position to post one is one of my goals. My main source of income at the moment is Matched Betting (there is a board about it on MSE if you arenít familiar with it) and a few other scraps elsewhere. Some health issues have made it difficult to work full time in recent years and MB has kept me going (plus piling up debt on CCs) but I canít, and donít want to, do it forever; I want to work again. Full time. Addressing these health issues properly is the only way I will be able to work again, one of which is the fact that I am approximately 110lbs above the upper limit of a Ďnormalí BMI. I know BMI isnít a perfect tool but I canít argue with the general message itís giving meÖas well as the fact that I bought 5XL pants this week. Iím more a 4.5XL but they donít exist!

    Anyway, this is just an introductory post so Iíve tried to keep it short, but Iíll be posting up more.

    Thanks to anyone who reads
Page 2
    • LegBeforeWicket
    • By LegBeforeWicket 21st Mar 18, 7:38 PM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    Afternoon everyone,

    I hope you are all well. I've had quite a busy day but none of it has been wasted; isn't it amazing how much we can get done when motivated?

    Thankyou for the replies and the advice. As ever, your wisdom, experience and advice is very much appreciated.

    With regards to food, diet and my migraines. I do cook and quite enjoy it. I'm no master chef but I'm reasonably competent, but my issue excuse is that I've been too lazy to prepare food or when I have I've made the most calorific versions imaginable. I've had migraines for something like 30 years now and various factors influence how many attacks I have, including some foods which are triggers. Although I can't promise never to have a trigger food again, my plan is for them to be the exception rather than the norm, likewise with the foods which make me want to sit in the bathroom for an hour or two This is something I must do if I want to get back to work and enjoy life, which I do.
    Anyway, I've worked out a 7 day 'diet' which is pretty plain and boring (lots of things have had to be cut to take account of my various health issues) but is perfectly fine and manageable, with the intention to add to it as my health improves and my stomach's tolerance improves. This will commence once my existing food stocks are gone, so in about a week.

    What else? Well, I managed to set up a bank account switch using an account I rarely used for MBing activities, which should earn me £125 in the next seven days. I've made this month's earnings target already so I decided to pay off CC1 today rather than wait until the end of the month, meaning my balances are now as follows:

    CC1 £0
    CC2 £2256.41
    CC3 £741.13
    CC4 £2034.18
    CC5 £2040.91
    CC6 £1908.29

    Total: £8980.92

    Under £9k already! Hurrah! It's never going above that again!
    Also, I mentioned before that I've got working capital of about £4.5k. In some ways having more cash is better, but moving £500 of that out and keeping it as the basis of an emergency fund isn't going to make too much difference on my day to day earnings activities.

    LBW
    • fatrab
    • By fatrab 21st Mar 18, 8:15 PM
    • 739 Posts
    • 1,583 Thanks
    fatrab
    Brilliant move clearing that card. That'll motivate you! Are you closing the accounts as you clear them or saving them in case you need to use any balance transfer offers further down the line?
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 16/20 Lunches - 22/28 AFD - 22/31 TAFD (take away free days)
    31 x £2 coins (#32)
    • LegBeforeWicket
    • By LegBeforeWicket 21st Mar 18, 9:39 PM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    Brilliant move clearing that card. That'll motivate you! Are you closing the accounts as you clear them or saving them in case you need to use any balance transfer offers further down the line?
    Originally posted by fatrab
    Thankyou!

    That's a good question and one which I'm open to suggestions for the right answer. My gut feeling is to keep it open for that very reason but to cut the card up and keep it in the safe so I don't spend on it. I've got a reasonable amount of time left for each 0% deal but keeping it open as a potential option just in case seems sensible.
    • enthusiasticsaver
    • By enthusiasticsaver 21st Mar 18, 11:07 PM
    • 6,255 Posts
    • 12,398 Thanks
    enthusiasticsaver
    Well done on clearing the first credit card. I missed the bit about your working capital so ignore my post about the emergency fund. Getting the switching bonus is another good move.

    When does the CC2 deal expire?
    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
    • fatrab
    • By fatrab 22nd Mar 18, 7:32 AM
    • 739 Posts
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    fatrab
    Personally I'd close the account, but if they're likely to offer you another 0% deal which might come in useful in the future I would consider keeping the account open but completely destroy the card (or at least scrub off the security number on the back and chop the chip) then you can't just use the card willy nilly.

    Or you could wait until you clear CC2 then close CC1, when you clear CC3 then close CC2 and so on?
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 16/20 Lunches - 22/28 AFD - 22/31 TAFD (take away free days)
    31 x £2 coins (#32)
    • One-step-at-a-time
    • By One-step-at-a-time 22nd Mar 18, 9:44 AM
    • 128 Posts
    • 453 Thanks
    One-step-at-a-time
    Butting in for a moment - I still have three credit cards, but only one of them physically exists - the other two are just numbers in a spreadsheet for BT ping-pong purposes. This has been incredibly useful over the past few months as offers have come up that I wasn't expecting to see.
    Jan 2017 CC debt £37,800.21: £29,399.52 / £8,400.69
    Mar 2018 Other debt £7,693: £5,680.84 / £2,012.16
    Debt 22.97% PAID
    Emergency fund £350/£1000 DFD March 2022
    • enthusiasticsaver
    • By enthusiasticsaver 22nd Mar 18, 10:17 AM
    • 6,255 Posts
    • 12,398 Thanks
    enthusiasticsaver
    As I recall most of your cards deals finish in 2019 or 2020. My feeling is that 6 cards are too much and are looked on unfavourably by lenders if you need a mortgage or car loan in the future but if you know you will need a balance transfer then keeping a spare one open in case it offers a deal makes it worthwhile keeping it. I think you will need the long card number so I would not cut it up but just put it somewhere safe. If you are reasonably confident you can clear all the cards before the deals expire then close them as you go. Ideally you would have 2 empty cards at the end when you are debt free. Close the rest. Make one of them the one you have had the longest.
    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
    • LegBeforeWicket
    • By LegBeforeWicket 22nd Mar 18, 1:43 PM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    Afternoon everyone,

    First of all, I've decided that keeping an emegency fund is a good idea. I know that money is money and that keeping it in a different place from my 'work' accounts doesn't stop it being accessible, but I think it's a good idea for my mindset. Removing £500 from the float is going to make very little difference to my earnings but it might just make a difference to my future if it helps me change my thinking. I'd like to build this up to £1000 and I'm going to think hard about how I will do this without diisrupting my plans.

    Thanks everyone including One-step-at-a-time (butting in is always welcome) for the advice about CC1. I think I'm going to keep it open but cut it up (but with the long number still available) and, as fatrab suggests, with the security number scrubbed off. It is the card I've had the longest so I'd probably want to keep it once I am debt free and it has a decent limit which might come in useful for a transfer.
    CC1 and CC2 had/have 2019 deal expiry dates and CCs 3, 4, 5, and 6 are in 2020 (I'm happy to list them if it helps) so I hope not to have to perform a transfer, but keeping CC1 just in case seems wise at the moment, but I will review in the future. The card has come out my wallet already and something I've just done is to wipe my stored details at places I would use it with, such as Amazon, thus removing temptation.

    LBW
    • enthusiasticsaver
    • By enthusiasticsaver 22nd Mar 18, 1:46 PM
    • 6,255 Posts
    • 12,398 Thanks
    enthusiasticsaver
    If you have had CC1 the longest then yes it makes sense for that to be one of the ones you keep. I agree with your thinking re emergency fund.
    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
    • LegBeforeWicket
    • By LegBeforeWicket 27th Mar 18, 7:43 PM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    Evening all,

    It's going to be a brief one tonight but it was important that I pushed myself to post something. I'm finding that putting a few words down on here to be both motivating and cathartic, and I don't want to lose the bit of momentum I have.

    The past few days have been really tough for me. I've been thoroughly down about a few things and I've been ruminating on the past quite a lot. I don't sleep well generally but it's been terrible while I've been beating myself up. I'm not depressed, but at the same time I do wonder if I should find someone to talk to.

    However, it's not all bad and there are some positives. I haven't spent beyond my budget nor been tempted to buy something I 'deserve' to help 'cheer me up'. Food wise, while I've been eating up the remaining less nutritionally dense foods as per my plan, I haven't been out to buy foods to binge eat. In other words, I'm in control.
    Additionally, I received an email from ebay for £1 listings fees so I've listed a couple of items. Hopefully these will raise about £50 in total. I've also switched one of my CC direct debits over to the bank account I recently switched to, meaning that I should get a £3 reward every month. It's not much but over the remaining lifetime of my debt it will add up.

    LBW
    • fatrab
    • By fatrab 27th Mar 18, 9:18 PM
    • 739 Posts
    • 1,583 Thanks
    fatrab
    All these little things really do add up. I noticed a huge difference when I switched over to Lidl for my weekly shopping. I'm eating better for less money. It's quite a bizarre concept to begin with, you need to eat what they sell, not what you want. The little 3 quid savings or earnings here and there, they matter. More than you realise.

    You're sticking to your budget and you've got a plan. So you can stop beating yourself up on that front matey! You're heading in the right direction. When I started my diary I didn't have a clue what my plan was going to be. I didn't even know if I'd make It past the first week on here. The plan probably hasn't fully evolved yet either, and neither will yours have at this early stage.

    I find the hardest part is the bit in between events. Like the days leading up to payday, or the days immediately after I've made a change to something or made a payment. I call it coasting. Just coasting along waiting for payday again or for something to happen.

    What you "deserve" is to get things back on track, and that will also be the thing that "cheers you up" 1000 times more than buying anything ever will.

    I'd be the biggest hypocrite on the planet if I told you to go and speak to someone about how you feel, as I used to bottle everything up and wouldn't speak to anybody about anything. But sometimes just getting it off your chest to a total stranger does help. I've been there.

    As the old cliche goes, "You can't change the past, but you sure as hell don't need to let it ruin the future."
    Last edited by fatrab; 28-03-2018 at 7:20 AM.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 16/20 Lunches - 22/28 AFD - 22/31 TAFD (take away free days)
    31 x £2 coins (#32)
    • fatrab
    • By fatrab 27th Mar 18, 9:37 PM
    • 739 Posts
    • 1,583 Thanks
    fatrab
    I forgot to ask, any news on the ppi yet? That's something I really need to look into.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 16/20 Lunches - 22/28 AFD - 22/31 TAFD (take away free days)
    31 x £2 coins (#32)
    • LegBeforeWicket
    • By LegBeforeWicket 3rd Apr 18, 10:15 AM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    Morning diary.

    I'm feeling much happier today, in fact I've felt much happier since I got the last post off of my chest. Being able to unload my thoughts on here snapped me out of that period of rumination and that's great, but I agree with fatrab that at some point I should probably seek out someone completely neutral to talk to. Like I mentioned before, I'm not depressed but having an outlet will probably be a positive thing.

    Anyway, I've been away for a few days visiting my girlfriend. We always have a lovely time together and it's always beneficial for my wallet and my weight. I don't mean that she pays for everything - I'd never let that happen -just that we can happily spend time together without any thought of spending. An extra to that is that she's never been one who snacks, so that rubs off on me when we're together.

    What about the finances? Well, my ebay items have sold and I should be approximately £65 up in total once postage has been accounted for, I will update with exact figures once I know. I've also received the £125 for the bank switch. Lovely!
    I'm now into the new food budget and plan, so my big current aim is to stick to that. Usually if I make extra money or have a saving somewhere I would deduct that from the next month's earnings target, but my aim with the food budget is to pay off any remaining towards a CC on the last day of the month instead. I know this is really a bit of a mind trick but I might appreciate it more if I see the fruits of my labour do something rather than it go 'unnoticed' by reducing an earnings target on a spreadsheet. Does that make sense?

    What about my weight? Well, yesterday I stepped on the scale for what might be described as an offical weigh-in. I'm not going to embarrass myself by listing the weight, instead I will say that I'm 114.2lbs above creeping into the healthy BMI range. I know the failings of BMI but it's a good point to aim for, not least because I remember when I was just 4lbs over it and I looked, and felt, pretty good I'll step on the scale each Monday.
    • LegBeforeWicket
    • By LegBeforeWicket 3rd Apr 18, 10:17 AM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    I forgot to ask, any news on the ppi yet? That's something I really need to look into.
    Originally posted by fatrab
    Sorry, I posted then instantly remembered that I didn't answer this. No, I haven't heard anything yet. Mind you, when I enquired as to whether I had PPI in the first place (I was sure I had, I just needed the account details) it took weeks and weeks for them to respond. I'll be sure to update the diary when I hear anything.
    • fatrab
    • By fatrab 3rd Apr 18, 1:10 PM
    • 739 Posts
    • 1,583 Thanks
    fatrab
    I'm now into the new food budget and plan, so my big current aim is to stick to that. Usually if I make extra money or have a saving somewhere I would deduct that from the next month's earnings target, but my aim with the food budget is to pay off any remaining towards a CC on the last day of the month instead. I know this is really a bit of a mind trick but I might appreciate it more if I see the fruits of my labour do something rather than it go 'unnoticed' by reducing an earnings target on a spreadsheet. Does that make sense?
    Originally posted by LegBeforeWicket

    Definitely. Juggling numbers doesn't give you anywhere near the satisfaction of making an additional payment. Sure, you can compare last month's spreadsheet to this months and see a difference, but actually physically making an extra payment will give you a boost. It does for me.

    What about my weight? Well, yesterday I stepped on the scale for what might be described as an offical weigh-in. I'm not going to embarrass myself by listing the weight, instead I will say that I'm 114.2lbs above creeping into the healthy BMI range. I know the failings of BMI but it's a good point to aim for, not least because I remember when I was just 4lbs over it and I looked, and felt, pretty good I'll step on the scale each Monday.
    Originally posted by LegBeforeWicket
    I'm not a fan of BMI either, it doesn't compensate for natural body size. When I get down to my target weight of 14st I'll still be classed as overweight (BMI 27). Looking forward to seeing your progress on this
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 16/20 Lunches - 22/28 AFD - 22/31 TAFD (take away free days)
    31 x £2 coins (#32)
    • LegBeforeWicket
    • By LegBeforeWicket 4th Apr 18, 5:00 PM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    Afternoon everyone,

    What a strange day it's been weather wise. It seems to have have done almost everything the weather can do.

    First of all, I've paid the minimum on CC5 today meaning that my new outstanding debt total is £8855.92 and I've already paid off 6.27% of my debt. What's nice is that it actually feels like I'm making progress. I know it's early days and I'm never, ever going to let myself think that I've got this thing beat, but I don't feel like spending and I don't feel like I'm in danger of adding to that debt.

    Also, CC1 sent me a letter today saying that they are planning on increasing the limit on it by £1000. This is the card I'm going to save in case I need to do a BT in the future, plus it will be the one I plan to use when I'm debt free for credit history purposes (using it then paying off immediately). Should I decline this increase or let them do it for now, then reassess when I'm debt free?

    Finally, today's been a fairly quiet MB day and apart from a bit of tiredness, I have felt reasonably well. This has got me thinking about the future and whether/how I should be adding to my skills so that I look/am more employable when I'm ready to get back to work. Further to that, I really need to start thinking about the longer term and having some sort of career. My primary aim is of course to get working again, but 40 will be here in no time at all and I also need to think longer term and what is the best route for my life. I just don't know what to think.
    Debt at LBM: £9448.71 Current debt: £8658.84 (8.35% paid so far)
    Weight loss to date: 4.4 lbs (Currently 114.2 109.8 lbs above a 'normal' BMI)
    • fatrab
    • By fatrab 4th Apr 18, 5:23 PM
    • 739 Posts
    • 1,583 Thanks
    fatrab
    When I was at school I wanted to be a hydrographic surveyor. I left school and did car mechanics for 2 years but the £29.50 on YTS wasn't enough so I went into a construction related support service career at 18 and I'm still doing it. I'm a manager now but this isn't where I wanted to be. And it isn't where I'm staying either.

    Part of my "plan" is to semi retire by 50. I don't mean give up work and spend all day pruning the roses, I mean go and do something that I enjoy. Hopefully for a living wage! But somewhere I can walk to work, not have to drive or sit on a bus/train for hours. Something local. Something fun. Something rewarding.

    I'll let you know if I ever find out exactly what that is!

    Let them increase it. when the time comes to balance transfer you can decide if you're going to use it or not. If not, lower your credit limit to an acceptable level and tell them not to increase it again. You can opt out of future increases at any time.

    My last card kept going up and up. I eventually dropped it to £3k (from £10k) then cancelled it altogether.

    You've knocked nearly £600 off your debt in less than 3 weeks. You're doing just fine
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 16/20 Lunches - 22/28 AFD - 22/31 TAFD (take away free days)
    31 x £2 coins (#32)
    • LegBeforeWicket
    • By LegBeforeWicket 10th Apr 18, 12:01 PM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    Morning diary.

    I hope everyone reading this had a lovely weekend. I didn't do too much except read and watch a little bit of sport, but it was a good weekend.

    Thanks for the helpful and positive words Rab, I really appreciate it. I know I'm not going to have anything like the career I hoped to have when I went to university (I didn't complete my degree because of ill health) and I am absolutely fine with that. Being happy is of course important and we should all strive for that, but I know that I've lost a lot of time and I'll need to work as hard and as smart as I can if I'm going to have a future and a retirement. I also know that I can't expect to walk into any job, and certainly not expect anything other than to start at the bottom, and these are things I acknowledge. I'm just a little overwhelmed with which directions to look, that's all.

    So what about debt news? Well, minimums have gone out and my debt is now down to £8728.72 which means I've now paid off 7.61% which I'm very happy about. My ebay sales made £68.21 and that's now been knocked off my earnings target, which is coming along reasonably well this month.

    I've also decided to attack CC3 rather than CC2. CC3's 0% expiry date does end after CC2 but it's the smallest debt and it would feel positive (to me) to see one less debt and have one less direct debit to keep an eye on. I know it makes sense to pay in order of 0% expiry dates but I've contacted CC2 to double check the dates (there are three BT balances on there, all on 0%) and one of them expires much later than the other two, and with the same level of total payments made as planned before then it will still clear before their expiry. It just feels better that CC3 could be gone in August or September rather than sometime next year after CC2 has gone - it's another mind trick, I know.

    Finally, my weight. I'm 2.4lbs down on the week. I know this is partly a water weight thing, but I'm still happy.
    Debt at LBM: £9448.71 Current debt: £8658.84 (8.35% paid so far)
    Weight loss to date: 4.4 lbs (Currently 114.2 109.8 lbs above a 'normal' BMI)
    • fatrab
    • By fatrab 10th Apr 18, 2:41 PM
    • 739 Posts
    • 1,583 Thanks
    fatrab
    Not be long til you hit 10% off the debt, that'll be a good milestone. And each 10% thereafter will be too!

    As long as you have a plan in place for CC2 then the mental boost from clearing CC3 might not be a bad thing.

    Have you had a look for any careers advice on line? There's aptitude tests that you could fill out that would throw up some career ideas. Like you say, there's no point being unhappy in what you do. Best find something you're suited to and enjoy doing.

    Regarding the diet, I'm really struggling to shift any more weight. What are you changing in your lifestyle? I think my next move is to have a clear out of the cupboards, re-stock with some healthier options and try to get the portion sizes down a bit.
    Last edited by fatrab; 10-04-2018 at 2:56 PM.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 16/20 Lunches - 22/28 AFD - 22/31 TAFD (take away free days)
    31 x £2 coins (#32)
    • fatrab
    • By fatrab 16th Apr 18, 10:05 AM
    • 739 Posts
    • 1,583 Thanks
    fatrab
    Hi, just realised that we'd not heard form you in a few days so thought I'd pop by and see how things are going?


    Hope all is well!


    Cheers, Rab
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 16/20 Lunches - 22/28 AFD - 22/31 TAFD (take away free days)
    31 x £2 coins (#32)
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