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  • FIRST POST
    • pidge04
    • By pidge04 26th Mar 18, 6:18 PM
    • 606Posts
    • 1,745Thanks
    pidge04
    I want to believe I can do this!
    • #1
    • 26th Mar 18, 6:18 PM
    I want to believe I can do this! 26th Mar 18 at 6:18 PM
    Is this how I start a diary? I don't know whether anyone would want to read it but I hope it will keep me focussed and on track to becoming debt free. I am inspired by the diaries I've read here and would welcome advice when I get started.
Page 20
    • Kitten868
    • By Kitten868 5th Nov 18, 6:40 AM
    • 1,129 Posts
    • 2,798 Thanks
    Kitten868
    Check entitled to. I think you'd have more money if you left him. Maybe even get some advice at the cab. And find out his income and do a csa calculator. Obviously do all of this on secret browser. I'm not bossing you about although it sounds like it. I just hate hearing you struggle and being put in awkward positions with rude people when all you want to do is look after your little girl xxxx
    Loan 1 £5000/£8000
    Loan 2 £3000/£5800
    Total £8000/£13800 42% PAID

    And CC £1300/1900
    • efes shareholder
    • By efes shareholder 5th Nov 18, 9:05 AM
    • 472 Posts
    • 1,178 Thanks
    efes shareholder
    Thanks for this. It is a very dysfunctional set up we are in. From January, I will be saving £200 a month towards my exit from this very dysfunctional set up. I can’t afford at the moment to move apart but it is coming. For everyone’s sake, it needs to happen. I am going to ask for his financial support this month. I’ve been in some debt or other the whole of my adult life but this last lot of debt (maxing out 2 credit cards in 18 months) comes from giving up a well-paid part time job because it was completely untenable and taking a less well paid part time job but still continuing to pay more or less half of everything. Food shopping, petrol and phone bills went into those debts which is ridiculous. I’m heading towards financial freedom and then personal freedom from the situation I am in.
    Originally posted by pidge04
    Good luck with this , It's as important as paying off your debts that you get yourself out of a situation that no longer serves you happiness
    A healthy mind is just as important as healthy finances x
    • ftbwannabe
    • By ftbwannabe 5th Nov 18, 10:59 AM
    • 218 Posts
    • 755 Thanks
    ftbwannabe
    Next December my signature will be:
    Loan £1830
    Credit card £1000!
    My goodness...that's really something to look forward to!
    Originally posted by pidge04
    Wahoo! That's something to grin about
    got the mortgage - now to clear the cards.
    • Chrystal
    • By Chrystal 5th Nov 18, 5:20 PM
    • 621 Posts
    • 4,444 Thanks
    Chrystal
    Brilliant advice from Kitten, and I'm so glad you've decided to do something about your situation. ((hugs)) X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • Kitten868
    • By Kitten868 5th Nov 18, 6:17 PM
    • 1,129 Posts
    • 2,798 Thanks
    Kitten868
    Sorry I was a bit brief this morning but I got called away by kids.

    I think it's great that you're going to ask him to pay his half on some of the expenses this month. Maybe he should be the one to take her school shoe shopping?

    I'm assuming from how you're speaking you've made or are making a plan. I think that's great. You can definitely do this.

    I'm really impressed how far forward you're projecting with your debts. Definitely a great feeling seeing that all your efforts are having a great impact even though it just feels like slog in the here and now.

    With Christmas trees I remember there were some bargains on the Argos eBay outlets. There's also loads on my local Facebook selling pages at the moment. We got ours from Tesco and I love it but the two year old broke one of the branches. Typical when I finally get one that doesnt look like Charlie Brown's Christmas. We don't do much beyond the tree but I think it's all you really need. Xxxxx
    Loan 1 £5000/£8000
    Loan 2 £3000/£5800
    Total £8000/£13800 42% PAID

    And CC £1300/1900
    • pidge04
    • By pidge04 5th Nov 18, 9:52 PM
    • 606 Posts
    • 1,745 Thanks
    pidge04
    Check entitled to. I think you'd have more money if you left him. Maybe even get some advice at the cab. And find out his income and do a csa calculator. Obviously do all of this on secret browser. I'm not bossing you about although it sounds like it. I just hate hearing you struggle and being put in awkward positions with rude people when all you want to do is look after your little girl xxxx
    Originally posted by Kitten868
    Oh I will do so. I assumed that I wouldn't be entitled to anything. I will definitely check. Thank you.
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • pidge04
    • By pidge04 5th Nov 18, 9:53 PM
    • 606 Posts
    • 1,745 Thanks
    pidge04
    Good luck with this , It's as important as paying off your debts that you get yourself out of a situation that no longer serves you happiness
    A healthy mind is just as important as healthy finances x
    Originally posted by efes shareholder
    Very true...thank you.
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • pidge04
    • By pidge04 5th Nov 18, 9:57 PM
    • 606 Posts
    • 1,745 Thanks
    pidge04

    With Christmas trees I remember there were some bargains on the Argos eBay outlets. There's also loads on my local Facebook selling pages at the moment. We got ours from Tesco and I love it but the two year old broke one of the branches. Typical when I finally get one that doesnt look like Charlie Brown's Christmas. We don't do much beyond the tree but I think it's all you really need. Xxxxx
    Originally posted by Kitten868
    I sold a brand new tree last Christmas which I had bought in the sale the previous year to raise some cash...could kick myself now! Totally agree. I do love a tealight too - always bring some cheer. Simpler the better!
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • Kitten868
    • By Kitten868 10th Nov 18, 10:02 PM
    • 1,129 Posts
    • 2,798 Thanks
    Kitten868
    That is so typical! I was only asking about the real tree because of the ikea deal.

    Hope you're doing alright Pidge. Keep checking for an update. Xxxx
    Loan 1 £5000/£8000
    Loan 2 £3000/£5800
    Total £8000/£13800 42% PAID

    And CC £1300/1900
    • pidge04
    • By pidge04 16th Nov 18, 2:19 AM
    • 606 Posts
    • 1,745 Thanks
    pidge04
    Just to commit my current thoughts and plans to a schedule...

    Next week - pay off half (of the smallest) credit card debt.

    Just before Christmas Eve, pay off the remaining balance.

    From the end of January until December 2019, give my Mum £80 a month to save for me to pay off my overdraft. Every 4 months, pay £320 off overdraft.

    From 25th January, set up a direct debit to pay £100 a month off remaining credit card.

    From January 25th, save £200 towards my independence.

    That’s my plan!
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • pidge04
    • By pidge04 17th Nov 18, 11:07 PM
    • 606 Posts
    • 1,745 Thanks
    pidge04
    I am back to babysitting tonight. Feels like a more positive experience than before.
    I shall be extremely grateful for the extra cash.
    About to work out my monthly budget for December. Yikes!
    Feeling ok though... at the moment I can see a glimmer of light in the distance.
    I absolutely MUST list a bunch of stuff on eBay. Why do I find it so hard to find the time to do that? Any tips? Just got to stop the procrastinating and get on with it!
    Ok, to my monthly budget and working out how I can work some miracles!!
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • pidge04
    • By pidge04 18th Nov 18, 2:06 PM
    • 606 Posts
    • 1,745 Thanks
    pidge04
    I’ve listed 40 items on eBay.
    40 things!! How wasteful I have been.
    Most things are very low value and i would be surprised if half of the items sell to be honest.
    Oh well. Onwards and upwards!
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • Kitten868
    • By Kitten868 18th Nov 18, 4:30 PM
    • 1,129 Posts
    • 2,798 Thanks
    Kitten868
    Wowee Pidge! Well done you 40 things and another go at baby sitting. Fantastic work. Love your plans too.

    I find with eBay ask for what you want. Do an auction. Then do an auction from 99p. Then give to charity. Otherwise it's there forever. Now is a great time to sell. So great timing. Black Friday week is definitely the way to go.

    All sounding really good. Keep it up!!!
    Loan 1 £5000/£8000
    Loan 2 £3000/£5800
    Total £8000/£13800 42% PAID

    And CC £1300/1900
    • pidge04
    • By pidge04 19th Nov 18, 7:41 PM
    • 606 Posts
    • 1,745 Thanks
    pidge04
    My eBay sale is going well!

    I have 48p in one of my current accounts and 52p in the other ahead of payday on Friday.

    No cash on me.

    Success for me would be having a minimum of £100 in my account before payday.
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • Kitten868
    • By Kitten868 19th Nov 18, 8:49 PM
    • 1,129 Posts
    • 2,798 Thanks
    Kitten868
    Well you're not just worrying about it - you're doing something about it and that's fantastic. I don't even have 48p in my account you're doing fantastically at this! X
    Loan 1 £5000/£8000
    Loan 2 £3000/£5800
    Total £8000/£13800 42% PAID

    And CC £1300/1900
    • pidge04
    • By pidge04 20th Nov 18, 12:11 AM
    • 606 Posts
    • 1,745 Thanks
    pidge04
    Well you're not just worrying about it - you're doing something about it and that's fantastic. I don't even have 48p in my account you're doing fantastically at this! X
    Originally posted by Kitten868
    Thanks for willing me on!
    Sorry to hear you don’t even have 48p...hope your payday is imminent!
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • pidge04
    • By pidge04 23rd Nov 18, 4:15 AM
    • 606 Posts
    • 1,745 Thanks
    pidge04
    Just paid (gulp) £270 off credit card.

    £267 left to pay on the 21st December then that debt will be paid.

    I am feeling pretty buzzy about this one.

    I will have really proved something to myself when this debt is cleared next month.

    It was £2400 at the beginning of this year.
    O/D £900 … to be £400 in December 2019
    CC £3050 …. to be £1999 in December 2019
    LOAN £3692 … to be £1876 in December 2019!
    • monz
    • By monz 23rd Nov 18, 8:28 AM
    • 3,530 Posts
    • 12,078 Thanks
    monz
    Wow you are up early! You can do it xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    car PCP - £1,908.89/£11,848.25 mum and dad £3,710/£4,000 mortgage - £81,450 o/s currently - paid £3,718.14 (£103.63 overpayment)
    Emergency Fund - £10/£500
    • GlendaSugarbean
    • By GlendaSugarbean 23rd Nov 18, 8:45 AM
    • 485 Posts
    • 3,693 Thanks
    GlendaSugarbean
    Brilliant progress
    • efes shareholder
    • By efes shareholder 23rd Nov 18, 9:06 AM
    • 472 Posts
    • 1,178 Thanks
    efes shareholder
    Fantastic

    I hope next year i can say the same as you
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