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  • FIRST POST
    • mitch2509
    • By mitch2509 19th Jun 18, 6:00 PM
    • 41Posts
    • 58Thanks
    mitch2509
    We need a cow......
    • #1
    • 19th Jun 18, 6:00 PM
    We need a cow...... 19th Jun 18 at 6:00 PM
    I swear we need a cow with the amount of milk we get through! 6 pints a day = 45 a month I wonder if this is where most of our debts come from.

    I'm not much of a writer and my spelling is awful so I appoligise if I make your eyes bleed.

    We are a family of 6 plus 2 dogs, 2 rabbits and numerous fish, we have been in debt twice before this and have not learned our lesson so this time were debt busting the long way with the hopes we will learn to live within our means.

    I'm not doing an SOA as I've read enough diaries to know what we should cut but I'd rather keep sky as we never go out drinking or for meals (except birthdays) and we don't smoke. We save quite a lot of money each month birthdays and Christmas as these are the only times we spoil our kids. I use YNAB every day and have done for a good couple of years so I have a good handle on what we spend and where.

    We have a Caravan as we both work full time and this is our pleasure but when we Caravan we go on cheap sites and take the food we would have used at home.

    My OH earns a decent amount of money and as I'm self employed my earnings aren't bad either but this has only been over the last 12 months that our money has gone up and given us a breather!

    Our debt busting plan can't start until end of July as we have loads to pay out, like car and Caravan services, main family holiday etch but these are all budgeted for and I can still make the minimums on our debts.

    From July payday I'm going to be paying the minimums on our debts which is 830 plus the 150 that is left from my OH wages and then all my earnings can be sent to debt payments as well (I'm going to do this bit dailey as and when I get paid). Our dfd is 2 years away if we only pay 1200 a month (including minimums) which is the lowest we Will ever pay (fingers crossed).

    This diary is to keep me accountable and so I can track my debt busting, when I can figure out how to do my signature I will put my debts on there.
Page 1
    • MeenaM
    • By MeenaM 19th Jun 18, 7:52 PM
    • 271 Posts
    • 483 Thanks
    MeenaM
    • #2
    • 19th Jun 18, 7:52 PM
    • #2
    • 19th Jun 18, 7:52 PM
    hello and welcome,

    could read your post fine and i wouldnt notice spelling as its not my strong point either!

    sounds like you have a plan , good luck with getting out of debt
    Sealed Pot 11. #199Next1170Barclays Credit Card 4891.20/0- 0% ends April 2019 virgin 0% ends july 2020 4138 570.09AA Credit Card 860 0- 0% ends Dec 2017 Sainsburys Credit Card 521.27-0 0% ends Feb 2018 STARTED Nov 17AIM TO BE DEBT FREE JULY 2019Emergency Fund 614/1000
    • beanielou
    • By beanielou 19th Jun 18, 8:00 PM
    • 58,054 Posts
    • 239,063 Thanks
    beanielou
    • #3
    • 19th Jun 18, 8:00 PM
    • #3
    • 19th Jun 18, 8:00 PM
    Happy shiny new diary

    I cant spell either
    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
    • Honeysucklelou2
    • By Honeysucklelou2 20th Jun 18, 3:30 AM
    • 1,182 Posts
    • 5,596 Thanks
    Honeysucklelou2
    • #4
    • 20th Jun 18, 3:30 AM
    • #4
    • 20th Jun 18, 3:30 AM
    Similar milk consumption in my house...a real eye opener to think that's 45 a month!
    paydbx #93 899.50/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • mitch2509
    • By mitch2509 20th Jun 18, 2:25 PM
    • 41 Posts
    • 58 Thanks
    mitch2509
    • #5
    • 20th Jun 18, 2:25 PM
    • #5
    • 20th Jun 18, 2:25 PM
    Thanks for your comments.

    So today I've cut up all credit cards and I'm thinking of burning them as some sort of ceremony !!!55357;!!!56834;
    • mitch2509
    • By mitch2509 20th Jun 18, 2:26 PM
    • 41 Posts
    • 58 Thanks
    mitch2509
    • #6
    • 20th Jun 18, 2:26 PM
    • #6
    • 20th Jun 18, 2:26 PM
    Similar milk consumption in my house...a real eye opener to think that's 45 a month!
    Originally posted by Honeysucklelou2
    It's a massive amount of money it's 550 a year!
    • beanielou
    • By beanielou 20th Jun 18, 2:27 PM
    • 58,054 Posts
    • 239,063 Thanks
    beanielou
    • #7
    • 20th Jun 18, 2:27 PM
    • #7
    • 20th Jun 18, 2:27 PM
    [QUOTE=mitch2509;74432051]Thanks for your comments.

    So today I've cut up all credit cards and I'm thinking of burning them as some sort of ceremony !!!55357;!!!56834;[/QUOTE

    Good idea
    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
    • mitch2509
    • By mitch2509 21st Jun 18, 1:22 PM
    • 41 Posts
    • 58 Thanks
    mitch2509
    • #8
    • 21st Jun 18, 1:22 PM
    • #8
    • 21st Jun 18, 1:22 PM
    Signature updated!

    Crickey it's a bit shocking but doable and I'm not going to let it scare me. We can do this and hopefully within 2 years.
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • onedaysomeday
    • By onedaysomeday 21st Jun 18, 5:16 PM
    • 560 Posts
    • 819 Thanks
    onedaysomeday
    • #9
    • 21st Jun 18, 5:16 PM
    • #9
    • 21st Jun 18, 5:16 PM
    Good luck
    Just trying to make up for past mistakes and work towards the future I want
    • mitch2509
    • By mitch2509 22nd Jun 18, 4:02 PM
    • 41 Posts
    • 58 Thanks
    mitch2509
    Thanks I need all the luck I can get.

    So today I got a 5 tip from a client and paid it straight off the CC.

    Love this forum it's brilliant for ideas and motivation!
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • mitch2509
    • By mitch2509 22nd Jun 18, 7:08 PM
    • 41 Posts
    • 58 Thanks
    mitch2509
    I hardly ever get a tip and I've just got another 1, so I've sent that off to the CC as well! Better than nothing
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • mitch2509
    • By mitch2509 27th Jun 18, 9:33 PM
    • 41 Posts
    • 58 Thanks
    mitch2509
    Nothing much to report, Signature updated.

    Pay day tomorrow, thank all that is holy! It's been a long month, 1 month to go till we can properly start paying down the debt!
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • mitch2509
    • By mitch2509 30th Jun 18, 9:16 AM
    • 41 Posts
    • 58 Thanks
    mitch2509
    Love, love, love Saturdays!

    Was owed 25 from sky since Feb and never bothered to chase it up, well the new debt busting me has rang them and now it's being deducted off my next bill. Also just claimed my first 10 from swagbucks.

    I've got loads to list on eBay tonight, whatever I make will go towards new trainers for the kids.
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • dawnybabes
    • By dawnybabes 30th Jun 18, 11:10 AM
    • 1,585 Posts
    • 3,885 Thanks
    dawnybabes
    That!!!8217;s what spellcheckers are for !
    Sealed pot challenge 822

    Jan - 176.66
    • mitch2509
    • By mitch2509 30th Jun 18, 7:24 PM
    • 41 Posts
    • 58 Thanks
    mitch2509
    19 items listed fingers crossed it's sells well.
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • mitch2509
    • By mitch2509 3rd Jul 18, 8:59 AM
    • 41 Posts
    • 58 Thanks
    mitch2509
    10 collected from swagbucks so I've paid that of next account, couldn't pay it off visas so went for next best thing.

    I need to get doing more surveys and swagbucking as it's money for nothing!
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • mitch2509
    • By mitch2509 6th Jul 18, 8:43 PM
    • 41 Posts
    • 58 Thanks
    mitch2509
    Over 100 made on eBay so that's going to the kids clothing fund as I have nothing budgeted for this and one of them has holes in his trainers!
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • MeenaM
    • By MeenaM 7th Jul 18, 7:29 AM
    • 271 Posts
    • 483 Thanks
    MeenaM
    you're doing really well! all these little amounts add up and before you know it that debt will be gone
    Sealed Pot 11. #199Next1170Barclays Credit Card 4891.20/0- 0% ends April 2019 virgin 0% ends july 2020 4138 570.09AA Credit Card 860 0- 0% ends Dec 2017 Sainsburys Credit Card 521.27-0 0% ends Feb 2018 STARTED Nov 17AIM TO BE DEBT FREE JULY 2019Emergency Fund 614/1000
    • mitch2509
    • By mitch2509 12th Jul 18, 9:31 AM
    • 41 Posts
    • 58 Thanks
    mitch2509
    Been overpaid tax credits by 2500 so they are halting my award each month until it's paid back! Going to put us back a bit in the debt busting stakes !!!55357;!!!56877;
    Debts at LBM (June 18):-

    Capital 1 - 413.46 Vanqqquis - 1676.43,First D Visa - 1578.73, Next - 2083.12, TSB - 5326.59,Barclaycard - 5195.01, Capital one me - 1359.99, Loan - 5702.31, Loan - 2739.99, Total 26,075.63
    • MeenaM
    • By MeenaM 13th Jul 18, 10:52 AM
    • 271 Posts
    • 483 Thanks
    MeenaM
    Been overpaid tax credits by 2500 so they are halting my award each month until it's paid back! Going to put us back a bit in the debt busting stakes !!!55357;!!!56877;
    Originally posted by mitch2509
    if the over-payment is their fault then you can claim that you don;t have to repay it , that is if you gave all the correct information and they have made the mistake,otherwise can you challenge it ? have they worked it out right ?
    Sealed Pot 11. #199Next1170Barclays Credit Card 4891.20/0- 0% ends April 2019 virgin 0% ends july 2020 4138 570.09AA Credit Card 860 0- 0% ends Dec 2017 Sainsburys Credit Card 521.27-0 0% ends Feb 2018 STARTED Nov 17AIM TO BE DEBT FREE JULY 2019Emergency Fund 614/1000
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