Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Homegrown0
    • By Homegrown0 25th Jun 18, 11:34 AM
    • 786Posts
    • 4,052Thanks
    Homegrown0
    Getting it together...one at a time!
    • #1
    • 25th Jun 18, 11:34 AM
    Getting it together...one at a time! 25th Jun 18 at 11:34 AM
    Quite a few of you will have likely read my old diary but after a moment or two of paranoia at the level of detail I was sharing and how easily identifiable I'd be if anyone who knows me stumbled across my diary, I'm going back to the beginning to try to keep my journey safe.

    I've been on here battling with my debt since January 2017 and I'm coming up to a bit of a transitional period where some things will be changing financially so i'll start below with my end of June roundup to set the scene and talk about plans from September onwards.

    June round-up
    Balances and paid amounts
    Loan: 10,001.79 / 15,792.30 (5,790.51 paid off - 37% paid)
    CC1: 3,257 / 3,807 (600 paid off - 16% paid)
    CC2: 4,421.14 / 5,031.14 (660 paid off - 13% paid)

    Total: 17,679.93 / 24,630.44 (7,050.51 paid off, 29% paid)

    Milestones reached in June
    • Dropped into the 17k bracket
    • Paid over 7k off debt

    Changes coming up
    Youngest child will start to get some funded hours in nursery from September onwards so we will save 104p/m by averaging out the funded and non funded months and paying the same monthly sum into our childcare account.

    When our eldest went to school at the end of last year, we decided this year would be holiday filled since it's the first we've been able to afford it since we had the kids. We are going away again soon with family and once we're back, the disposable income that's going towards holiday related things (like spending money and paying flights and accomm) will be free to go towards overpaying debt and towards a much needed replacement car for my husband.

    I'll come back with a post for planning ahead fur July as well as exploring an overpayment plan for September onwards...
    Last edited by Homegrown0; 25-06-2018 at 3:21 PM.
Page 15
    • DawnW
    • By DawnW 12th Jan 19, 2:25 PM
    • 5,520 Posts
    • 43,894 Thanks
    DawnW
    Your meal plan sounds lovely - certainly better than cheap chicken nuggets and waffles!

    • doingitanyway
    • By doingitanyway 12th Jan 19, 2:30 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    I agree. A lovely balanced meal plan.

    I don't think the nuggets and waffles would feed the family. processed food and high carbs just triggers a more, more, more response so your children would be permanently hungry.

    Do you use metal skewers?

    Have you got a garden?
    Could you plant some basic fruit trees or bushes this year?

    Wishing the little one better.
    • kindofagilr
    • By kindofagilr 13th Jan 19, 10:09 AM
    • 6,601 Posts
    • 22,264 Thanks
    kindofagilr
    Shopping list done!
    I've been reading foxglove's diary (about 30% through) and have really picked up a few tips from her, one of which i used today. I wrote my meal plan, wrote the corresponding shopping list then went through all the cupboards, freezer and fridge to score off all the things we already have. I then substituted a planned meal (that we had nothing in for) for something we already had in the freezer.

    I still eye roll at the cost for the volume of fruit and veg that we eat but I'd rather have a higher shopping bill and eat well than the alternative. It just grates me that I can get a pack of 50 chicken nuggets for 2 and waffles for 1 that would feed my two for over a week when I'd be lucky to get two days worth of meals for them eating vegetables. We eat frozen veg where we can to minimise cost and waste.

    Anyway, I'm hoping that tonight/ tomorrow's shop will be less than 50 for the 32 items we need.

    Meal plan:
    1. Chicken, bacon and leek pasta with veg
    2. Tandoori chicken skewers, cous cous and salad
    3. Vegetarian sausages, gravy with onions, mashed potato and peas
    4. Slow cooker beef stew (packed with veg) and potatoes
    5. Chicken curry, rice and sugarsnap peas
    6. Fish cakes, broccoli, peas and potatoes
    Originally posted by Homegrown0
    Yay well done this is what I do too, it's really good at combating food waste, and just ordering the same things for the sake of it, your menu sounds lovely xx
    Current Debt 40,612.00/44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 3915.85
    POAMAYC 2018 #87 13,912.57

    POAMAYC 2017 #87 10,380.18
    POAMAYC 2016 #87 7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    82,278.27/104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled 750/Christmas Savings 19: 0
    Cyprus 19 Savings: 0/2000 ~ Centre Parcs 19 Savings: 125/500
    Emergency Fund: 50 ~ America Savings 2022: 0


    My Debt Free Diary (Link)
    • Homegrown0
    • By Homegrown0 13th Jan 19, 1:21 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    Thanks DawnW, don't get me wrong, they have chicken nuggets now and again! Just making the most of them happily eating the good stuff.

    DIA - yes, we use reusable metal skewers. We do have a garden but it's a complete state. The previous owners left it to die years ago so all we have done it get rid of all the rubbish since we moved in. I also have no clue whatsoever about gardening and keeping things alive but funnily enough yesterday I was googling how to grow herbs outdoors. We are time poor and knowledge poor so if I can do some small things that don't cost a lot of money and time then I may do that. Thanks for the idea!

    Thanks kindofagilr- I'm normally so disorganised that I go shopping without writing a list and doing a meal plan so I'm making a concerted effort to be more organised all round. It sounds simple checking the cupboards and amending the list before shopping but it's taken me reading it on a diary here to hammer home the importance.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • kindofagilr
    • By kindofagilr 14th Jan 19, 12:46 PM
    • 6,601 Posts
    • 22,264 Thanks
    kindofagilr
    Thanks kindofagilr- I'm normally so disorganised that I go shopping without writing a list and doing a meal plan so I'm making a concerted effort to be more organised all round. It sounds simple checking the cupboards and amending the list before shopping but it's taken me reading it on a diary here to hammer home the importance.
    Originally posted by Homegrown0
    I used to be like that too then I started getting weekly asda deliveries and only buying what I needed that week, it's working a treat xx
    Current Debt 40,612.00/44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 3915.85
    POAMAYC 2018 #87 13,912.57

    POAMAYC 2017 #87 10,380.18
    POAMAYC 2016 #87 7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    82,278.27/104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled 750/Christmas Savings 19: 0
    Cyprus 19 Savings: 0/2000 ~ Centre Parcs 19 Savings: 125/500
    Emergency Fund: 50 ~ America Savings 2022: 0


    My Debt Free Diary (Link)
    • Homegrown0
    • By Homegrown0 14th Jan 19, 4:21 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    A new week...
    My poor little guy is still not well, so it's been an interesting day trying to work with a 3 year old attached to me. Thankfully my work is pretty flexible so i got urgent things out the way earlier and will catch up when I can.

    Good things:
    • Dinner is in the slow cooker, simmering away (beef stew packed with veggies)
    • Managed to get two washings done and hung up with the help of enthusiastic but sick 3 year old
    • Husband's work are considering another round of night shift next week which is rubbish for him (zzz...) but good for the bank balance as he gets double time
    • Husband has also got another couple of enquiries for extra work so if they come off then late this month/ early next month we should have some more money for the savings pot (which is right now going towards holiday spends)
    • Reading someone else's diary made me inquire with my local library whether they do online services - they do! So i'm now registered and able to access the range of online magazines and audio books that they have! Can't wait to get stuck into them.
    • I'm still using my planner that I got for Christmas and it's working really well. I put everything in there from important things like calls I need to make down to doing dishes and washings. I think ticking things off motivates me
    • Managed a 30 minute run yesterday (with eldest son cycling alongside me) and booked in my next two days work of work outs to keep me on plan.
    • Soup made, so lunches for the next couple of days sorted.

    Not so good things:
    • We decided we will take the kids to Disney for 2 days while on our summer holiday (we will be an hour away) - priced up the cost of tickets only for the four of us...508!! Upping the holiday target as although expensive, it's a one off and they're at a good age to go
    • Spent more than planned this weekend thanks to hubby - he took my son for a treat lunch for doing so well at school, and spent out on some snacks that weren't really necessary or budgeted for
    • Pay day is still so far away...

    Days until pay day: 16
    Number of childcare payments: 19
    Number of loan payments: 13
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • abba1772
    • By abba1772 14th Jan 19, 4:58 PM
    • 5,840 Posts
    • 22,962 Thanks
    abba1772
    Disney is expensive just to get in.....we took in packed lunches and the small diluting juices you get in homebargains and just asked for iced water which was free xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 4299 NOW 1530.81
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 13039.59
    POAMAYC 2019 3573.77
    • Homegrown0
    • By Homegrown0 14th Jan 19, 9:05 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    Disney is expensive just to get in.....we took in packed lunches and the small diluting juices you get in homebargains and just asked for iced water which was free xx
    Originally posted by abba1772
    We will definitely be doing all of that too Abba. We'd never go on a holiday just to Eurodisney so this seems like a good way to do it, despite being expensive. Also, who can turn their nose up at fresh baguettes, meat, cheese etc from the local LeClerc or Super U? We'll definitely be doing packed lunches.

    Aside from saving up for the tickets, i'll be holding off buying them in case there's any deals to be had in the mean time. Fingers crossed...
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • Homegrown0
    • By Homegrown0 15th Jan 19, 12:25 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    The wind is blowing a gale outside and I'm feeling a bit low (no particular reason why, just a bit blah...) so I thought I'd take a break from working before a busy afternoon of calls ahead and do a little mid-month recap of how things are looking.

    Paid to date so far in 2019: 111.39 / 10,000 target 1.1% (and I still have two DDs totaling 586 to be paid aside from any other little payments I can make)

    Qmee: 0 (just cashed out and paid to CC)
    Onepoll: 5.60 / 25
    PA: 2.05 pending
    Topcashback: 101.21
    Xmas fund: 100
    CU savings: 200

    133 left in our spending account to cover two more weekly shops and a dinner out for me with friends at the weekend... Need to get my creative hat on for the next couple of meal plans!

    I'm doing ok with my day to day list of stuff to do - the ticking off effect has a lot to answer for. And miraculously, i remembered to take chicken out of the freezer last night to cook for tonight's dinner!

    Off to grab some lunch, which is leftover stew with microwaveable rice. Nice and filling which will help later since I'm gymming at 6pm.
    Last edited by Homegrown0; 15-01-2019 at 1:58 PM.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • kindofagilr
    • By kindofagilr 15th Jan 19, 1:17 PM
    • 6,601 Posts
    • 22,264 Thanks
    kindofagilr
    I hope you had a nice lunch, I feel you on the money left in the bank lol, we have 115 left in ours and 2 weekends of food needed and petrol eep, I put a cheque in from christmas for 70 last friday so I am hoping that clears this friday, or monday then we will be fine

    Trying not to panic though lol xx
    Current Debt 40,612.00/44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 3915.85
    POAMAYC 2018 #87 13,912.57

    POAMAYC 2017 #87 10,380.18
    POAMAYC 2016 #87 7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    82,278.27/104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled 750/Christmas Savings 19: 0
    Cyprus 19 Savings: 0/2000 ~ Centre Parcs 19 Savings: 125/500
    Emergency Fund: 50 ~ America Savings 2022: 0


    My Debt Free Diary (Link)
    • doingitanyway
    • By doingitanyway 15th Jan 19, 6:56 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    Disney sounds exciting and as you say the children are at the right age. Combining it with an existing holiday sounds like a sensible plan.

    If anyone can make your remaining budget stretch it is you
    • Homegrown0
    • By Homegrown0 15th Jan 19, 9:04 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    Thanks kindofagilr - unfortunately, my nice lunch vibes were shattered when I realised my husband put the leftover stew in the freezer instead of the fridge. I could've defrosted it but I had soup in the fridge so thought best to use that up before it goes off. Oh well, i'll tap into the stew later in the week.

    DIA - it's an extra lot of money that we hadn't budgeted for, but it'll be worth it. The next time we do something like this it'll likely be Florida - quite a number of years off!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • Homegrown0
    • By Homegrown0 15th Jan 19, 9:13 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    2 into the sealed pot this evening, leaving a few pounds in my purse for odds and ends if required. Had to stop in for milk today - 1.60 - but managed to leave with just milk! Miraculous.

    Put in an hour at the gym tonight in a weights class so feeling good after getting those endorphins flowing.

    Youngest seems to have perked up a lot - he's not 100% but getting there. Back at nursery which meant I managed to get some work done today thankfully.

    Watching some old school 1994 ER tonight since I never did get round to watching it. It's not quite Greys (yet) but i'll keep going with it.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • Homegrown0
    • By Homegrown0 16th Jan 19, 1:33 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    Wages
    Another week, another late salary payment for my husband. It was due to be paid yesterday (normally in by lunchtime) but is still not in the bank now. The only saving grace is that no bills are dependent on this (yet) and we do have the overdraft there as a cushion if it wasn't in on time for a bill to come out. But it irritates me that his boss doesn't see it as important to make sure wages are in on time. Humph.

    Also, when he gets paid, i'm paying a chunk to the CC and I feel like this month has dragged so far in terms of progressing debt repayments so i'd quite like the nice fuzzy feeling of seeing the balance numbers go down and the Paying debt off before Xmas 2019 challenge numbers go up!

    Credit card
    I mentioned this on here before, but due to complete ignorance, I hadn't noticed that one of our credit card 0% interest deals was ending until it had ALREADY ended and I saw the interest on our account.

    Anyway, it's bad timing because we are in the process of remortgaging and this should be complete at the end of the month (fingers crossed) but it means that I've been reluctant to seek out a new 0% deal until this is complete in case it affects our credit score and availability of a good mortgage product.

    We have just signed all of the legal paperwork and sent it back to the solicitors so I'm hoping it'll be complete sooner rather than later so i can BT and stop being charged interest. It's not horrific amounts (I think it was 28 in both Nov and Dec) so i'm expecting one more month's worth of interest and then as soon as I get the go ahead from the solicitors, i'll be BTing onto a new card.

    Fingers crossed this will be the last time we'll do this! The CC will hopefully be gone before the next period expires!

    Get up and go
    I'm really struggling to find my motivation this week - not so much at home, as i'm keeping on top of things as much as possible, but with work. I'm just struggling to get things going. I wish there was a switch that would knock my brain into gear and just get things done!

    On that note, I'm off for some lunch and then I will most definitely be writing a short PM to-do list that I MUST get finished this afternoon. Maybe short, sharp lists will do the trick? More achievable?
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • Homegrown0
    • By Homegrown0 16th Jan 19, 1:45 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    Qmee
    Just managed to cash out another 3.36 from Qmee. I'm finding this little and often thing takes the edge off the fact I've often got a fortnight in between any significant payments towards my debt so this is helpful. Off to update over on the challenge board.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • Homegrown0
    • By Homegrown0 17th Jan 19, 9:01 AM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    Its Thursday and still no wages...

    How annoying. I want to overpay the CC and I want to do it now! (In the voice of the bratty kid in Charlie and the chocolate factory...violet?)

    I've got a really busy day ahead so really must get my head in the game. So much to do and so little time.

    I do need to buy potatoes today, unless I can think of something better and filling to go with the fish cakes that I took out the freezer last night. We have broccoli but one fish cake and some broccoli isn't going to cut it. Maybe for me (just) but not for the three hungry males in my house!

    Right, off to get some work done!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • abba1772
    • By abba1772 17th Jan 19, 4:19 PM
    • 5,840 Posts
    • 22,962 Thanks
    abba1772
    Hopefully hubby's wages have been paid now xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 4299 NOW 1530.81
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 13039.59
    POAMAYC 2019 3573.77
    • foxgloves
    • By foxgloves 17th Jan 19, 5:29 PM
    • 4,721 Posts
    • 26,207 Thanks
    foxgloves
    Thank-you for reading my diary, Homegrown. I'm glad you found that the bits about meal planning & shopping from your own cupboards first was helpful.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 55
    • doingitanyway
    • By doingitanyway 17th Jan 19, 6:28 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    I hope you managed to achieve today. I still wasn't motivated to work!!

    I think I read on another diary that your hubbies wages have arrived? Hope so
    • Homegrown0
    • By Homegrown0 17th Jan 19, 7:12 PM
    • 786 Posts
    • 4,052 Thanks
    Homegrown0
    Abba, thankfully the wages arrived late afternoon! Phew.

    Thanks for stopping by foxgloves. I do love reading other diaries and picking up little things to try. The shopping from home first is definitely ingrained in my brain now. I must've scored 10 things off my shopping list by checking while writing my meal plan. I'll keep dipping in to your diary, as your motivation is infectious

    DIA - I managed to maximise the time I spent at a desk today which was good but spent quite a lot of time at meetings and on calls today which eats into time. Annoying as motivation was high. Just need to hit the ground running tomorrow and not get side tracked.

    Hope you get a motivational boost soon. Start small and build up sounds silly but how about a rewards system? Like hive yourself a list of 5 things to do and do them first thing. Once you complete them you can reward yourself with say a coffee out or a movie snuggled on the couch to relax? Just something to consider.

    Money
    As above, husband was finally paid late this afternoon so managed to pay 150 into the credit card.

    I'm tracking all of my payments this month and noting which are normal dds and what are overpayments. I think motivation to overpay will be really high when I see the figures! I've already overpaid more than 200 this month with another couple of weeks to go so excited to see what I can achieve this month.
    Last edited by Homegrown0; 17-01-2019 at 9:56 PM.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

472Posts Today

4,812Users online

Martin's Twitter