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  • FIRST POST
    • Brookside88
    • By Brookside88 3rd Apr 18, 1:55 PM
    • 298Posts
    • 385Thanks
    Brookside88
    Auf Wiedersehen Debt
    • #1
    • 3rd Apr 18, 1:55 PM
    Auf Wiedersehen Debt 3rd Apr 18 at 1:55 PM
    Hi!


    I've been reading some of the diaries for a while now and thought it was about time I started my own.
    So here it is


    Introduction: I'm 30 years old and live in Leicester with my partner and almost 2 year old son.


    I've had debt since I turned 18 but it's never really been an issue. I've never defaulted on anything and my credit report is pristine. Here lies the issue, because it's never been an issue I've just let it grow and grow and now my total at the beginning of the year (personal CCs and loans) was ... drumroll... 19,838.56.


    That figure doesn't include 17k on finance for the double glazing or our 107k mortgage but I'm not worried about those. My focus is the CCs and loan.


    I have just moved a 5.3k Barclaycard CC to a virgin CC on a 0% until Jan 2020. minimum payment is around 65


    I have an MBNA CC with 2 BTs on, 1.5k expires aug 18 and 4.8k expires april 2020. Unfortunately since I did the bigger and longer BT first, the payments I'm making are going towards that balance meaning there will still be a balance at the end of the smaller offer. total balance 6.3k
    at the moment I'm paying 350 off that each month


    I have a Zopa loan for my car which is 5.7k at 4% paying 129 a month


    Finally, I have a Tesco CC at 0% with 1.9k on it until dec 2020


    So very little of my debt is accruing interest.


    I can afford at the moment to spend about 500 a month servicing debt but I have to pay about 800 a month into the joint account since my partner doesn't earn as much as me (I also have childcare vouchers at 243) so I'm pretty much paying a grand a month into the joint account which leaves me really tight after the cards are paid.


    I'll stop rambling now


    I'm just sick of this cloud of debt hanging over me and we also want another baby but there's no way we can do it while my repayments are so high.


    Phew!
    Last edited by Brookside88; 15-06-2018 at 2:33 PM.
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
Page 3
    • sashybo
    • By sashybo 14th Apr 18, 11:38 PM
    • 2,878 Posts
    • 21,069 Thanks
    sashybo
    Another vote for PA, I got a 7 survey a few weeks ago. Onep0ll is good as surveys are really quick, most are 10-15p but it adds up quickly as long as you remember to check a couple of times a day, I do it on my phone too.

    As for am@zon shopping, have you heard of Kidstart? You can get cashback for am@zon there, wish I'd known about it when I was buying loads of baby stuff when I was pregnant! I'm pretty sure I saw it on someone's diary around here but can't remember whose. Baby brain. Anyway, I've only recently started using it but it has tracked my purchases so far.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 11,420 extra paid off debt. Total Debt paid off 55,410
    Loan 1087.20, CC 0% BT 350, Car loans 20,025.59

    Have a Debt Free Diary to try & keep spending in check.
    • Brookside88
    • By Brookside88 15th Apr 18, 7:17 AM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Hello

    PA is fab!

    I 'Thank' as I read along, I don't always pop out to post but I do always thank to show at least it's being read

    You've made a brilliant start

    x
    Originally posted by WannabeFree
    Thanks, I'm definitely going to check out pa if the tiny dictator has a nap today
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Kitten868
    • By Kitten868 15th Apr 18, 8:01 AM
    • 1,061 Posts
    • 2,543 Thanks
    Kitten868
    Hello!

    I always find all online forums like a club I can't join. Particularly the mum ones. It doesn't matter how many times I post other members are friends on fb and or just interact more with each other and ignore me. This forum is much better - people reach out to you and support you as you've seen here. It's hard as it's so fast moving to find everybody and because some people *cough cough* disappear for a bit as they get spending again. But you'll get your own rythym. PLEASE PLEASE read other people's diaries. They have a wealth of experience in there to help you keep going through the long slog. They will give you tips that will relate to you. I always make sure to read jwils diary as she is the queen of decluttering and that's the kind of debt busting that helped me. Some diaries are meal plans over and over and I don't find that as interesting but I am pants at meal plans. Plus if you're on here reading diaries you're not elsewhere on the net spending money.

    Great news on on hubbys new job. And great job on your debt so far. You're doing brilliantly. And don't worry about the McDonald's. You're still learning and they certainly save the day - I just buy for the kids if I go in there now. Unless I've really messed up lol. Keep up the great work xxxx
    Loan 1 5400/8000
    Loan 2 3400/5800
    Total 8800/13800 36% PAID

    And CC 1475/1900
    • Brookside88
    • By Brookside88 15th Apr 18, 8:45 AM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Another vote for PA, I got a 7 survey a few weeks ago. Onep0ll is good as surveys are really quick, most are 10-15p but it adds up quickly as long as you remember to check a couple of times a day, I do it on my phone too.

    As for am@zon shopping, have you heard of Kidstart? You can get cashback for am@zon there, wish I'd known about it when I was buying loads of baby stuff when I was pregnant! I'm pretty sure I saw it on someone's diary around here but can't remember whose. Baby brain. Anyway, I've only recently started using it but it has tracked my purchases so far.
    Originally posted by sashybo
    7 Is huge for a survey! I'll definitely be checking this out. I'm finding the qmee ones a bit flaky at the moment. I had a good run about a month ago where I made about a fiver in an evening but since then they seem to have dried up a bit.

    I hadn't heard of kidstart, that looks interesting. Does it have to pay into the child's account? (Controversial)
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Brookside88
    • By Brookside88 15th Apr 18, 8:50 AM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Hello!

    I always find all online forums like a club I can't join. Particularly the mum ones. It doesn't matter how many times I post other members are friends on fb and or just interact more with each other and ignore me. This forum is much better - people reach out to you and support you as you've seen here. It's hard as it's so fast moving to find everybody and because some people *cough cough* disappear for a bit as they get spending again. But you'll get your own rythym. PLEASE PLEASE read other people's diaries. They have a wealth of experience in there to help you keep going through the long slog. They will give you tips that will relate to you. I always make sure to read jwils diary as she is the queen of decluttering and that's the kind of debt busting that helped me. Some diaries are meal plans over and over and I don't find that as interesting but I am pants at meal plans. Plus if you're on here reading diaries you're not elsewhere on the net spending money.

    Great news on on hubbys new job. And great job on your debt so far. You're doing brilliantly. And don't worry about the McDonald's. You're still learning and they certainly save the day - I just buy for the kids if I go in there now. Unless I've really messed up lol. Keep up the great work xxxx
    Originally posted by Kitten868
    It's difficult isn't it. I generally read on my lunch break at work and by the time I get round to commenting it's time to get back to work! Must try harder.

    I couldn't possibly go to Maccys and not get myself something too
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • sashybo
    • By sashybo 15th Apr 18, 9:59 AM
    • 2,878 Posts
    • 21,069 Thanks
    sashybo
    I hadn't heard of kidstart, that looks interesting. Does it have to pay into the child's account? (Controversial)
    Originally posted by Brookside88
    No, it says on the site it can be paid into any bank account so you could set it up as another cashback site basically.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 11,420 extra paid off debt. Total Debt paid off 55,410
    Loan 1087.20, CC 0% BT 350, Car loans 20,025.59

    Have a Debt Free Diary to try & keep spending in check.
    • Rachel24
    • By Rachel24 15th Apr 18, 10:21 AM
    • 201 Posts
    • 753 Thanks
    Rachel24
    Hi I just wanted to pop by and say hello! Im terrible for reading diaries and never commenting. I started my own diary ages ago and never bothered to update it because I'm too lazy! Love reading everyone else's. I started about the same debt as you. I'd love to have a baby but with my level of debt I'm wanting to clear as much as I can by the end of the year. You are doing so well! Have you got any goals of when you want to clear it?
    • onedaysomeday
    • By onedaysomeday 15th Apr 18, 10:41 AM
    • 560 Posts
    • 820 Thanks
    onedaysomeday
    I read lots and rarely comment too but hello and good luck!
    • Brookside88
    • By Brookside88 15th Apr 18, 10:59 AM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Hi I just wanted to pop by and say hello! Im terrible for reading diaries and never commenting. I started my own diary ages ago and never bothered to update it because I'm too lazy! Love reading everyone else's. I started about the same debt as you. I'd love to have a baby but with my level of debt I'm wanting to clear as much as I can by the end of the year. You are doing so well! Have you got any goals of when you want to clear it?
    Originally posted by Rachel24
    Hi! thanks for dropping in. I think next xmas is achievable. Providing nothing catastrophic happens with the house or car! (touch wood). I'd love another but there's just no way at the moment with my repayments. what's your target to clear yours?
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Brookside88
    • By Brookside88 15th Apr 18, 11:00 AM
    • 298 Posts
    • 385 Thanks
    Brookside88
    I read lots and rarely comment too but hello and good luck!
    Originally posted by onedaysomeday
    Thanks! I must try harder!
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Brookside88
    • By Brookside88 15th Apr 18, 4:27 PM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Just done my first prolific academic survey. 1.15! Which is more than I've earned in a week on qmee! Thanks for the recommendations guys.

    Went to asda earlier for a few bits. Spent 23.20 which is about what I expected. Spotted a nice long receipt in the car park trolley bay but somebody was watching so I left it to pick up when I came out but it had gone. Gutted. Kicking myself now! Hopefully my own receipt will be worth something!

    Just cooking up my weekly Bolognese for the freezer and defrosted some chicken for tonight. Got a fajita kit in the cupboard so we'll use that. Hope you're all having a lazy Sunday
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Rachel24
    • By Rachel24 15th Apr 18, 4:37 PM
    • 201 Posts
    • 753 Thanks
    Rachel24
    How does the receipt thing work brookside? I shop in Asda all the time!
    • Brookside88
    • By Brookside88 15th Apr 18, 4:44 PM
    • 298 Posts
    • 385 Thanks
    Brookside88
    How does the receipt thing work brookside? I shop in Asda all the time!
    Originally posted by Rachel24
    You type in asda price guarantee on Google and put in the long number just above the bar code, it then compares it with the other big 3 and gives you a voucher to print of its not 10% cheaper.

    You can also hunt down other people's dumped receipts and put them in too. I've had a 6 quid voucher from someone else's shopping before!

    I think you can do it up to 14 days after so if you have any receipts lying around you can check those and you can also do online shops too

    Let me know how you get on!
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Rachel24
    • By Rachel24 15th Apr 18, 5:03 PM
    • 201 Posts
    • 753 Thanks
    Rachel24
    Omg thank you how have I never known about this! Just got a voucher for 2.18! Will do this from now on thank you!
    • Brookside88
    • By Brookside88 15th Apr 18, 5:24 PM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Omg thank you how have I never known about this! Just got a voucher for 2.18! Will do this from now on thank you!
    Originally posted by Rachel24
    Amazing! It's now a disappointment to find out my shopping was cheaper elsewhere because I like the satisfaction of a voucher! you'll be scouring the car park like a womble in no time!
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Brookside88
    • By Brookside88 15th Apr 18, 9:19 PM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Well i'm very impressed with prolific academic. I've done 3 surverys and earned 2.75 since about 2pm! add that to the 1.40 on qmee and I think that's a fairly successful day!
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Brookside88
    • By Brookside88 16th Apr 18, 8:20 PM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Another 75p on prolific at lunch time today.

    I've been doing a bit of reading about matched betting. I'm intrigued and fearful all at once. I think I understand the concept and have read a few bits on here about it. I might dip my toe. Anybody have any experience of it as a newbie? was it easy to pick up?
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Brookside88
    • By Brookside88 18th Apr 18, 1:51 PM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Hi all,


    Up to 6.50 in the prolific account now, really impressed with it. Bit gutted to see a 10 study this morning that I didn't have time to do. Average completion time was 112 mins with 100 places available, I've been watching the available spaces go down today hoping that there would still be a couple available after work but alas, it wasn't to be!

    Hey ho! There will be more opportunities I'm sure.

    In other news, my car needs 4 new tyres (500 approx) and new brake pads (100) , so that's just marvellous!


    8.5 days until payday!
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • Brookside88
    • By Brookside88 19th Apr 18, 6:20 AM
    • 298 Posts
    • 385 Thanks
    Brookside88
    Just changed the title of my thread to something a little more eye catching. It came to me in moment of genius this morning. May not resonate with those under a certain age lol. I checked there weren't any others with the same title and couldn't believe there wasn't!
    Barclaycard CC 5,912.12/0___Virgin CC 5,536.81/5,536.81___Zopa Loan 5,680.83/4,906.17___Tesco CC 1,922.46/1,772.46___MBNA CC 6,323.15/5,696.73
    Total 19,838.56/17,912.17 (9.7%)
    • redofromstart
    • By redofromstart 19th Apr 18, 7:49 AM
    • 2,061 Posts
    • 12,816 Thanks
    redofromstart
    I spotted the name change, great choice and so much more positive than your old one.

    Prolific can be variable and I have to admit that I lose the will to live on those really long ones. You can pick up bits via surveys if you have time, Joeyjimbles swears by e-reward which generates nectar points for example. Pinecone is good if you can get on. Swagbucks is poor return for the time but its still useful - there is usually a referral link from MSE that gets you a lot more bonus points than a personal referral and that would let you bank up Amazon vouchers for presents.
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