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  • FIRST POST
    • LexieLou
    • By LexieLou 25th Apr 18, 5:10 PM
    • 638Posts
    • 1,083Thanks
    LexieLou
    When you owe more than your annual net salary
    • #1
    • 25th Apr 18, 5:10 PM
    When you owe more than your annual net salary 25th Apr 18 at 5:10 PM
    Today I cried, so many, many times. The fabulous lady at Step Change, the lovely man at Step Change, the lovely man at Halifax, Barclaycard, Aqua, I cried because they were all so kind. So fabulously lovely and I never expected them to be nice

    I cried because it will take me 6yrs and 3 months to clear my debt on a DMP. I will be 48 and 11 months old when I am finally debt free. By that date I will have spent 30 years in debt. I have sacrificed so much due to the debt I owed...I've given up the chance to have more kids, to fall in love, to buy a house...If only I had been brave enough to go on a DMP 10 years ago I might have had a chance to have all of the above now.

    So I intend to feel sorry for myself all night, to cry a bit more. Then tomorrow I will get up, put on my fabulous face and kick the world into touch.

    I have no-one to blame for this but myself. Its all my doing. I earn a really good salary and if I wasn't in so much debt I could afford nice clothes, a new car (paid for) and a home. Thats what makes this all the more heartbreaking.

    I owe the grand sum of 38k and some loose change. Thats slightly more than my net annual salary.

    I have 7.50 in my sealed pot.

    I intend to join the 1% challenge, now that there is a plan of attack for the debt

    I need to build up an emergency fund - which I think will be the 1% challenge

    I will also bore you all with my diary.

    Day 1 is nearly done xx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
Page 4
    • LexieLou
    • By LexieLou 7th Jun 18, 12:19 AM
    • 638 Posts
    • 1,083 Thanks
    LexieLou
    I'm here, I was away and needed to take some time out to get a few things in place.

    I will update all tomorrow

    Night

    LL xx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
    • pidge04
    • By pidge04 7th Jun 18, 1:40 AM
    • 478 Posts
    • 1,297 Thanks
    pidge04
    Have been thinking about you- hope you are ok.
    CC1 2400/422 CC2 3000/2269 CC3 600/233 LOAN 13,000/5235
    • Purplemumof2
    • By Purplemumof2 7th Jun 18, 11:33 AM
    • 6,476 Posts
    • 24,185 Thanks
    Purplemumof2
    Hi Lexie,

    Hope that you are ok? It does good sometime to have a break and clear your thoughts xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 5860.00 BC: 395.64 Cap One: GONE Lloyds: 10,150.00
    OD 0/500 LC 150/1500 Washer 50/309.99
    POAMAYC 2018 #041 PD 7219.86/7000
    Savings for Christmas 344.80/400
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • LexieLou
    • By LexieLou 8th Jun 18, 8:17 PM
    • 638 Posts
    • 1,083 Thanks
    LexieLou
    Have been thinking about you- hope you are ok.
    Originally posted by pidge04
    Thanks Pidge, how are you?
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
    • pidge04
    • By pidge04 8th Jun 18, 8:49 PM
    • 478 Posts
    • 1,297 Thanks
    pidge04
    Some days I feel like I am on top of this and there is an end ... other days not so hopeful. I am selling, selling, selling like mad! Everything I see at home, I wonder if I can flog it for a couple of quid! How are you?
    CC1 2400/422 CC2 3000/2269 CC3 600/233 LOAN 13,000/5235
    • LexieLou
    • By LexieLou 1st Aug 18, 11:54 PM
    • 638 Posts
    • 1,083 Thanks
    LexieLou
    I'm back....
    Hey

    I'm back after my much needed absence

    DMP set up and due to start in a few months

    Life is good.. xx

    Night all

    LL xx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
    • LexieLou
    • By LexieLou 7th Aug 18, 11:41 PM
    • 638 Posts
    • 1,083 Thanks
    LexieLou
    keep meaning to write in this daily.

    Instead of a pay rise I got the option to work from home two days a week. Might sound like my employer got the better option, but I commute for up to 4 hours a day and I also spend 25 a day commuting. So two days a week at home equals an extra 2,400 into my hand annually. Well into my savings account. But you all know what I mean

    Anyway, just into bed, wrecked.com

    Night all

    LL xxx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
    • pidge04
    • By pidge04 8th Aug 18, 7:23 AM
    • 478 Posts
    • 1,297 Thanks
    pidge04
    That is good news!
    CC1 2400/422 CC2 3000/2269 CC3 600/233 LOAN 13,000/5235
    • beanielou
    • By beanielou 8th Aug 18, 10:03 AM
    • 57,411 Posts
    • 234,984 Thanks
    beanielou
    That is good news both financial & time wise.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • LexieLou
    • By LexieLou 8th Aug 18, 12:25 PM
    • 638 Posts
    • 1,083 Thanks
    LexieLou
    Hi Pidge and BeanieLou,

    Hope you are both well.

    Had a super stressful few hours, just realised my fuel amount for the month was wrong...hugely wrong...like 130 wrong. Want to cry

    Have gone back to SC to ask them to amend the budget. So cross with myself. No idea how I managed to give them that stupid figure. Wrote them a novel of an e-mail with my calculation sums etc in it as well. LOL

    I'm away to rock in a corner and recover

    Talk soon

    Lots of Love

    LL xx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
    • beanielou
    • By beanielou 8th Aug 18, 1:18 PM
    • 57,411 Posts
    • 234,984 Thanks
    beanielou
    Hopefully they will come back to you soon & put your mind at rest.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • lindez
    • By lindez 8th Aug 18, 5:18 PM
    • 317 Posts
    • 1,115 Thanks
    lindez
    Hi Lexilou
    don't beat yourself up with getting the numbers wrong, hopefully SC will help you sort it out. Good news on working from home two days a week that will help with your emotional well being less stress from commuting, and less finance cost in that you will not have to spend as much on fuel.
    Hope you are feeling better today
    x
    Payment A Day Chapter 18:
    MFWB#44
    • LexieLou
    • By LexieLou 9th Aug 18, 9:47 AM
    • 638 Posts
    • 1,083 Thanks
    LexieLou
    Hi All

    Just celebrated my birthday, had a cry this morning, feeling sorry for myself and hormones aren't helping. Woke up yesterday morning really sad that I had no-one to wish me happy birthday. Ridiculous really. I've had loads of years of waking up alone on my birthday, yet this year was hard. Miss my ex...but he's not coming back.

    Anyway, on a positive, I'm in the mood to ebay...like lots of ebay, so think I will spend Saturday doing that as I'm fed up looking at the mountain of stuff I have to put on ebay.

    Also need to get my ETSY shop up and running, keep putting that off....pure lack of motivation on my part.

    My folks and brother gave me money for my birthday, so that will go into an EF fund as soon as I get myself close to an ATM or Post Office.

    Now that I've whinged, I'm away to motivate myself to do some work

    Happy Thursday all

    LL xx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
    • DMP_Tiger
    • By DMP_Tiger 9th Aug 18, 9:53 AM
    • 175 Posts
    • 494 Thanks
    DMP_Tiger
    Happy Birthday to you Lexie Lou!!!

    August 2018: Secured Debt 70,003 Unsecured Debt (DMP) 34,657 Total 104,660 DFD: March 2031
    October 2018: Secured Debt 69,317 Unsecured Debt (DMP) 34,682 Total 103,999 DFD: March 2031
    • beanielou
    • By beanielou 9th Aug 18, 3:31 PM
    • 57,411 Posts
    • 234,984 Thanks
    beanielou
    Happy birthday Lexie Lou
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • LexieLou
    • By LexieLou 18th Aug 18, 1:19 AM
    • 638 Posts
    • 1,083 Thanks
    LexieLou
    Thank you both for the Birthday wishes

    I've been busy beavering away, started putting money into the correct accounts and started to build up money in my DMP pot. I get paid weekly, so need / want to have a months payment built up in advance prior to starting.

    Catch up soon

    LL xxx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
    • pidge04
    • By pidge04 18th Aug 18, 8:58 AM
    • 478 Posts
    • 1,297 Thanks
    pidge04
    Good for you Lexie Lou! These are very important actions.

    It looks like I missed your birthday - belated best wishes to you.

    Have you started to work from home 2 days a week now?
    CC1 2400/422 CC2 3000/2269 CC3 600/233 LOAN 13,000/5235
    • LexieLou
    • By LexieLou 18th Aug 18, 1:24 PM
    • 638 Posts
    • 1,083 Thanks
    LexieLou
    Good for you Lexie Lou! These are very important actions.

    It looks like I missed your birthday - belated best wishes to you.

    Have you started to work from home 2 days a week now?
    Originally posted by pidge04
    Thank you my little Pidge

    Working from home starts this week, but I've had to spend money this weekend (agh), so any savings from that have been used up already....but even getting some of my own free time back is a huge bonus

    I've nothing to report, I'm tired, mentally and physically and I'm crying lots, so I'm wondering if my depression is coming back...have to watch this carefully.

    I'd love to spend an unspecified amount of time in an Ashram in India somewhere, just to get away, decompress and get my head sorted. If only I had the money

    Have fab Saturday lovely MSE's.

    Me xx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
    • Rebecca01
    • By Rebecca01 18th Aug 18, 1:31 PM
    • 672 Posts
    • 1,021 Thanks
    Rebecca01
    Good luck lexie.

    Keep an eye on how you feel and don!!!8217;t hesitate to go to the doctors.

    Hope you feel better soon.
    • pidge04
    • By pidge04 19th Aug 18, 4:12 AM
    • 478 Posts
    • 1,297 Thanks
    pidge04
    Take great care of your fabulous self Lexie Lou. Can totally understand the appeal of an ashram in India!
    CC1 2400/422 CC2 3000/2269 CC3 600/233 LOAN 13,000/5235
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