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  • FIRST POST
    • Caspeia
    • By Caspeia 16th Jun 18, 12:27 AM
    • 114Posts
    • 140Thanks
    Caspeia
    Losing control, time to take charge.
    • #1
    • 16th Jun 18, 12:27 AM
    Losing control, time to take charge. 16th Jun 18 at 12:27 AM
    I had a diary that I last updated in December but life has changed a bit so thought I'd make a new diary.

    I've really been struggling with my mental health over the past few years and this has resulted in me gaining pounds on the scale and pounds of debt also!

    I hadn't quite realised how bad things have gotten over the 6 months. My husband has had multiple jobs as he could only get short contracts after getting fired last November and I'm on maternity leave right now. He is now working two jobs and I'm due back to work end of July, however childcare is going to be a nightmare so trying to find a better job before then. I had an interview today so I'm hoping I get it!

    Our debt totals stand at:
    Halifax: £523.05 (19.9%)
    TSB: £775 (0% until Sept 2018)
    Lloyds: £3998.66 (some of this was a 0% balance transfer until March 2019 and the rest is 0% until November 2019)
    Sofa: £1122.24 (0% and on monthly payment plan)

    Total: £6418.95

    The halifax card was cleared until a few weeks ago and my car failed its MOT and I had to put it on the credit card as I had no way to pay it. I also had to use the kids savings account this month as tax credits cut our money by £300 this month and my husband got emergency taxed this month so we ended up being completely skint.

    I'm determined to clear this debt so we can start saving up for a deposit on a house. I'd like to be buying our own place by the time the youngest is 5 so that gives us just over 4 years to do it.
Page 7
    • Caspeia
    • By Caspeia 25th Aug 18, 9:33 AM
    • 114 Posts
    • 140 Thanks
    Caspeia
    Still not spent on the credit cards, everything single thing has been paid for in cash. I've made little payments to the TSB card, there's £445 left on it. We've paid £305 off of it last month. My goal for the next month is to clear as much of this as possible as it will start to generate interest of the 26th of September.

    I had my first day back at work yesterday and they had a sign up asking for people to move over to nightshift so I've put my name down. It will be slightly more money and it will be easier for childcare so I'm hoping. They said its not a guarantee to move over as it depends how many people put their name down.

    I'm also down to 213.4lb which means I've lost 19.6lb since May!

    I've finally got round to putting everything in my signature.
    • beanielou
    • By beanielou 25th Aug 18, 8:48 PM
    • 57,981 Posts
    • 238,535 Thanks
    beanielou
    Good news on the TSB card

    Hope you get the nightshift.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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
    • Caspeia
    • By Caspeia 26th Aug 18, 4:08 PM
    • 114 Posts
    • 140 Thanks
    Caspeia
    I found out some good news today! Husbands bus pass covers the whole county we live in, we don't need it to cover that much but the ticket below didnt cover our town but covered where he works. Just read an update that they have rebranded the tickets and now they have included our town! So we currently pay £115.40 a month and now we'll only pay £89! A nice saving of £26.40 a month
    • Caspeia
    • By Caspeia 31st Aug 18, 8:04 AM
    • 114 Posts
    • 140 Thanks
    Caspeia
    Its finally payday! Every single thing in August was paid in cash!
    Theres £136.76 getting paid off the debts via direct debits over the month. I've made an extra £15 payment to the TSB card today. Hoping there should be enough left over from my weekly wage to pay more of it off. £430 to pay off in 26 days.
    • Caspeia
    • By Caspeia 31st Aug 18, 8:06 AM
    • 114 Posts
    • 140 Thanks
    Caspeia
    Just realised its actually £405 to pay off as £25 is set up as a DD to pay out midway through the month!
    • beanielou
    • By beanielou 31st Aug 18, 8:57 AM
    • 57,981 Posts
    • 238,535 Thanks
    beanielou
    Its finally payday! Every single thing in August was paid in cash!
    Theres £136.76 getting paid off the debts via direct debits over the month. I've made an extra £15 payment to the TSB card today. Hoping there should be enough left over from my weekly wage to pay more of it off. £430 to pay off in 26 days.
    Originally posted by Caspeia
    Well done
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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
    • Caspeia
    • By Caspeia 8th Sep 18, 9:56 AM
    • 114 Posts
    • 140 Thanks
    Caspeia
    Not updated in over a week, I've been so tired and this is the first time I've been on my laptop since my last post!

    The cheque for the cashback for plusnet arrived on Monday and was cashed in straight away, that has now cleared and been put on the Tesco card to cover the line rental. I also got my £3 reward payment from my bank account which has also went towards the line rental.

    Payday yesterday and I've paid £100 off the TSB card. £305 to pay off before the 26th, not sure if it is entirely manageable but I want to get that total to under £100 at least!

    I was gifted £80 from a family member which I used to hire out a rug doctor and buy all the cleaning liquids. Wow my carpet was dirty! I want to hire this out every few months (or invest in our own one!) I was amazed how much cat hair it picked up. We do have our own carpet cleaner but its really rubbish. I also think we need a better vacuum, our one doesn't seem to pick up any of the cat hair. I've been looking at a shark vaccum as apparently they are good, this won't be bought for a while though!
    TSB £250
    Lloyds £3840.68
    Tesco £289.63
    Sofa £981.96
    Total: £5362.27
    Pay off line rental in other ways: £96.55/£198.88
    • Caspeia
    • By Caspeia 8th Sep 18, 11:35 AM
    • 114 Posts
    • 140 Thanks
    Caspeia
    I'm starting to get slightly fustrated by adverts from banks when I sign onto my mobile banking. Today it was an advert for an overdraft and the other day it was for a loan saying I could take out a 20k loan! I just click off it but its really not good for people who might end up agreeing to this. They make it sound like its a great thing to take out even more credit!
    TSB £250
    Lloyds £3840.68
    Tesco £289.63
    Sofa £981.96
    Total: £5362.27
    Pay off line rental in other ways: £96.55/£198.88
    • Caspeia
    • By Caspeia 14th Sep 18, 9:35 PM
    • 114 Posts
    • 140 Thanks
    Caspeia
    I've been so focused on paying off the credit card by the end of the month that I completely forgot about two birthdays so a smaller overpayment this week of £55. Hoping to pay off more next week. I won't pay off the TSB card before I get charged interest but I will manage to pay it off at least by the end of next month so I should only be charged one months worth of interest. The credit card is down to £250 now though, I have paid £525 off the TSB card since the start of this diary.

    I've been motivated to get my house tidied up, my friend wanted to come round to drop something off but I was so embarrassed by the state of my house I ended up going to hers to get the item. I have gutted out the livingroom, well not completely theres still hundreds of DVDs and books but they are all hidden away in cupboards now. I've also gutted out the study and I have stuff to take to the skip tomorrow. My task tomorrow is to follow the weeks flylady thread and take the rubbish I've cleared out to the skip, I have 6hr without kids and husband and 4hr of my favourite podcast to catch up on so the plan is to put the podcast on and work through the flylady list (although going to make a separate comment deciding what I'll actually do!). I also have a small pile of things that I can donate to a charity shop.

    Theres no clutter in the livingroom, I didn't even have to clear a spot on the sofa when I sat down this evening
    TSB £250
    Lloyds £3840.68
    Tesco £289.63
    Sofa £981.96
    Total: £5362.27
    Pay off line rental in other ways: £96.55/£198.88
    • Caspeia
    • By Caspeia 14th Sep 18, 10:18 PM
    • 114 Posts
    • 140 Thanks
    Caspeia
    Livingroom
    • Vacuum the floor and under all the furniture I can move
    • Put items away that arenít in their home
    • Take stickers off of wall
    • Clean TV glass

    Hallway
    • Vacuum floor
    • Clean outside of unit
    • Clear letter holder
    • Clean mirror


    Kitchen
    • Clear and wipe kitchen surfaces
    • Sweep and mop floors
    • Sort & clean the fridge
    • Clear and wipe down table
    • Wipe all small appliances: Microwave, toaster, kettle
    • Clean cupboard door fronts and fronts of appliances & kickboards
    • Wash all dishes and put them away
    • Fix out boxes of junk in kitchen and either chuck or donate items
    • Clean out bin

    Bathroom
    • Clean bath, sink and toilet, Outside as well
    • Change toilet seat
    • Clean out nappy pail and toilet training seat and store away
    • Fold up towels as currently stuffed in box
    • Clean towel rail
    • Clean mirror on medicine cabinet
    • Hoover floor
    • Mop floor

    Kids room
    • Put toys away
    • Vaccum floor
    • Fix drawer front that is broken

    Our room (bonus as so bad I'm not sure if I'll have time)
    • Clear everything off of floor
    • Move furniture around so the snuzpod can come out of the room
    • Vacuum floor
    • Clean everything off the top of the drawers

    Every room
    • Wipe down doors and their handles (and take any stickers off) and clean glass on doors
    • Wipe the radiators
    • Clean windows
    • Clean light switches

    Other
    • Take stuff to the skip
    • Take stuff to the charity shop
    • Get all washing caught up

    I'm hoping if I get all this done I start doing some more things that need doing such as decluttering insides of cupboards/drawers, I also really need to clean all the skirting boards.
    TSB £250
    Lloyds £3840.68
    Tesco £289.63
    Sofa £981.96
    Total: £5362.27
    Pay off line rental in other ways: £96.55/£198.88
    • Caspeia
    • By Caspeia 15th Sep 18, 10:08 AM
    • 114 Posts
    • 140 Thanks
    Caspeia
    I want to start donating more to my local food bank, just seen an appeal from them as they have almost nothing left but still families to feed. Its heartbreaking
    TSB £250
    Lloyds £3840.68
    Tesco £289.63
    Sofa £981.96
    Total: £5362.27
    Pay off line rental in other ways: £96.55/£198.88
    • Caspeia
    • By Caspeia 16th Sep 18, 4:40 PM
    • 114 Posts
    • 140 Thanks
    Caspeia
    I didn't get most of my list done, when I changed the toilet seat it wouldn't come off no matter how hard I tried and I got in a bad mood. I decided to watch some TV and take a break and try again but before I knew it the kids were home!

    I've finished reading hypno's first diary. I'm moving onto her second diary and shes just been honest about the true figure she owes. Its inspired me to be honest about my overspend in July, I ended up on a spending spree which meant around £265 within a couple of days and it all went on the credit card. I regretted it straight away and didn't want to admit that I had made such a big mistake. I just kept using my pre overspend amount on here and I paid it off all last month. According to my debt tracker app on my phone (I've been 100% honest to the app) the total for all my debts was at £7224.99 combined but it is now sitting at £5362.27 which means since the end of June I have managed to pay off £1862.72, I'm a bit annoyed at myself that along this journey so far I have increased the debt at some point but I am happy that overall I have decreased the debt.


    So far I have paid:

    Sofa: £140.28 / £1122.24
    TSB: £525 / £775
    Halifax: £594.33 / £594.33
    Lloyds: £157.98 / £3998.66
    Tesco: £445.13 / £734.76
    TSB £250
    Lloyds £3840.68
    Tesco £289.63
    Sofa £981.96
    Total: £5362.27
    Pay off line rental in other ways: £96.55/£198.88
    • beanielou
    • By beanielou 16th Sep 18, 5:18 PM
    • 57,981 Posts
    • 238,535 Thanks
    beanielou
    Dont beat yourself up.
    This is real life & we all make mistakes.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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
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