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  • FIRST POST
    • Robin09
    • By Robin09 7th Jul 18, 9:20 PM
    • 89Posts
    • 360Thanks
    Robin09
    Back to try again..
    • #1
    • 7th Jul 18, 9:20 PM
    Back to try again.. 7th Jul 18 at 9:20 PM
    Good evening,

    I come on here to read the diaries pretty much every day, such inspiring people on here! I did have a very short lived diary last year but have come back now as a new member to start afresh.

    We are on a DMP and have been since February 2016. Our debt when we started were just under 30000 and as of this month is just under 18000. I am hoping one day soon we may be brave enough to go self managed.

    A bit about us. DH and myself both work. DH is full time and my hours are varied part time hours. We have two beautiful children, DS 14 and DD 5.

    As I said I one day hope to go self managed. To be fair, I am a bit of a wimp and like the one payment we make but also do not like that we cannot make overpayments if we wish..

    Budgeting wise, I have always tried my best at this. DH on the other hand has taken a long time to get his head around it all, so for many years I have just been playing catch up on what he has spent and re jigging things as we go along. But, at the beginning of the year I tried a different budgeting technique that has worked so well and DH has stuck to and has admitted is easy! So much so, that the last few months we have saved money and had money left in the bank at the end of each month.

    My plan is to continue to save and at some point go self managed and start over paying our debts and get it paid of sooner and to get on with our life without debt.

    Please join my journey if you wish.

    Robin. X
Page 1
    • Robin09
    • By Robin09 8th Jul 18, 5:51 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    • #2
    • 8th Jul 18, 5:51 PM
    • #2
    • 8th Jul 18, 5:51 PM
    Hello,

    Sunday is our shopping day. We have a budget of 75 a week to get everything including toiletries, cleaning products etc. I know this is a lot and I am trying to get it down. Today's delivery came to 71.45. I know it would be cheaper to go to the cheaper shops but we do not have any close by so would cost quite a bit in time and petrol. I also cannot think of nothing worse than taking a trolley into a shop to get so much stuff. We pay monthly for delivery.

    Today has been hot hot hot. I was walking around the house seeing what I could wash as didn't have enough to do a full load, but no luck.

    Spends today (this is from my weekly amount of 20)
    * 2.50 - given to DS as he was off out to the pool with his friends. (he took lunch and drinks with him)
    * 1 - 5 books for DD from car boot
    * 1 - summer dress for DD from car boot

    The car boot was the 1st we have been to this year, we are not usually in that direction but as we was dropping DS off we thought we would have a little look around.

    My 20 weekly money is working well. It mainly goes on the DC but I am happy with how well it has been working. If I run out, that's it until the following week. But usually I have 1 or 2 pounds that I put into my money tin.

    The other week I got an online voucher code for arg0s from a survey site. 3 of my nephews have birthdays this week. Have budgeted for all. Today I used the voucher code to order 1 of their presents and have put the 10 budgeted into the school uniform pot, this now stands at 155. We do not have a arg0s nearby but my mum is away this weekend so I checked where she was and ordered it for her to pick up tomorrow .
    • Robin09
    • By Robin09 9th Jul 18, 10:51 AM
    • 89 Posts
    • 360 Thanks
    Robin09
    • #3
    • 9th Jul 18, 10:51 AM
    • #3
    • 9th Jul 18, 10:51 AM
    Good morning,

    Another hot day today. I have the day off so have polished and hoovered the whole house, cleaned the bathroom and mopped the floors and hung a load of washing out. Watered and tidied the garden. So now sat in the shade with a coffee. Will have time for a nice walk now this afternoon before picking DD up from after school club.

    Our debts - I realised I made a mistake in my first post and our total now is just below 19000 not 18000 as I stated. These are the estimates, we haven't rang any of them lately to get an exact figure..

    HSBC (now Cabot Financial) 12,199.63
    Barclaycard 2,733.82
    MBNA (now Pra Group) 2,311.12
    Tesco (now Robinson Way) 588.31
    Lloyds (now Wescot) 420.77
    Halifax (now Moorcroft) 393.18
    Next 114.34

    Total - 18,761.17

    Our incomings on a basic month -
    Wage 1 - 1400
    Wage 2 - 100
    Child Benefit - 136
    Child Tax - 300
    = 1936

    Outgoings -
    Rent - 558
    Council Tax - 162 (10 months)
    Shopping - 300
    Petrol - 100
    DMP - 210
    Gas/Elec - 111
    Car insurance - 35.88
    Car tax - 24.50
    Water - 31.90
    Mobiles - 30 (mine, DH and DS's)
    Phoneline - 24
    Scouts - 14
    Prescription card - 10.40
    Sky - 27.11 (TV and Internet)
    TV licence - 12.37
    Netflix - 5
    Contents insurance - 7.97
    Petrol - 50
    Food delivery - 6.99
    = 1721.12

    Our wages are on occasion this low, but usually we have more.
    • Robin09
    • By Robin09 9th Jul 18, 7:15 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    • #4
    • 9th Jul 18, 7:15 PM
    • #4
    • 9th Jul 18, 7:15 PM
    Was a no spend day today. Didn't go out for a walk as the heat was just to much. DD came home with a lost button off her school summer dress, managed to find an old shirt of DH's and used the buttons from there so they all match. Only three more weeks until the summer holidays.
    Did a couple of surveys, I only have my phone so most I cannot do but I have had a few vouchers and cash payouts throughout the year.
    Hoping for another NSD tomorrow.
    • Robin09
    • By Robin09 10th Jul 18, 12:22 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    • #5
    • 10th Jul 18, 12:22 PM
    • #5
    • 10th Jul 18, 12:22 PM
    So much cooler and a lovely breeze today, shame I do not have a full load again to get out on the washing line today.

    A few hours at work this morning. Nothing much to do at home, so having a sit down with a coffee before I start our picnic. After school we are going with friends to the local stream. It is DD's most favourite place to go. Trying to get in a few more visits before the school holidays as it is a big tourist spot and gets so busy. Sometimes we have the place to ourselves during term time. So picnic tea there before DS goes to Scouts this evening. Have all the stuff here for picnic so a NSD again today.

    DMP payment went today so another 210 off the total. Transferred 10 over to the savings account, have added this to the school uniform 'pot'
    Since April I have managed to get the saving account to over 450, save 375/500 for DS's trip and buy my new phone. I know this may be seen as a want and not a need but we do not have a computer and I need a phone to be able to check banks etc, I did not get an overly expensive one, it cost 149 but it works well and that's all I need. Hoping to be able to put at least another 100 over into savings before the end of this month.
    • dustydigger
    • By dustydigger 10th Jul 18, 2:07 PM
    • 594 Posts
    • 2,009 Thanks
    dustydigger
    • #6
    • 10th Jul 18, 2:07 PM
    • #6
    • 10th Jul 18, 2:07 PM
    Hi Robin,its good to see you are doing well with the savings,and that the DMP lifts some of the load from your back. Slow and steady will get there in the end

    SPC 2018 # 012 -
    2 Savers 2018 #19 154 Tesc* Xmas Savers 25.85
    Icel@nd bonus card 16 House & Home Fund 2018 - 277 (plus 174 from 2017 = 451)
    weight loss :3/7lb AF Mar-Aug 178 days+ Sep 18/24 Books read Sep 9/12 Prolific 4.75

    • beanielou
    • By beanielou 10th Jul 18, 5:21 PM
    • 56,783 Posts
    • 230,974 Thanks
    beanielou
    • #7
    • 10th Jul 18, 5:21 PM
    • #7
    • 10th Jul 18, 5:21 PM
    Happy shiny new diary
    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
    • Robin09
    • By Robin09 11th Jul 18, 11:34 AM
    • 89 Posts
    • 360 Thanks
    Robin09
    • #8
    • 11th Jul 18, 11:34 AM
    • #8
    • 11th Jul 18, 11:34 AM
    Good morning,

    Hello Dustydigger and Beanielou, many thanks for dropping in on my diary. Hope you both have a lovely day.

    dustydigger, it has been from lurking on your diary over the months, that I finally found a budget that works for us. Breaking it down into weeks and not monthly, so thank you! No more hanging around waiting for payday to come around again. Myself and DH have been together for 16 years and this is the first budget he has stuck to. Seeing the savings finally taking shape has been amazing. Mostly pleased about the trip money for DS.

    Had to change shift today as had a letter yesterday to say I was due a gas check today, bit late notice but never mind. Of course I missed him whilst out for the 10 minutes on the school run but thankfully he came back and was a lovely man who got the job done and tidied up after himself.

    I woke this morning feeling dreadful, coughing up lots of green gunk and my ears and throat hurting so I am glad not to be going into work today.

    Spends today
    * 2.50 for DDs movie night at school.

    Also had a letter to say the school would like raffle prizes plus money for tickets but will do that next week.

    Have taken some paracetamol and going to have a sit down and rest and hopefully I will feel a bit better soon. I do hope so as have a busy weekend coming up.
    • Robin09
    • By Robin09 11th Jul 18, 7:07 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    • #9
    • 11th Jul 18, 7:07 PM
    • #9
    • 11th Jul 18, 7:07 PM
    Couple more spends today..

    * 69p menthol throat sweets
    * 11.45 Explorer shirt
    * 1.20 drink

    Have paid for the shirt from the school uniform pot. It is second hand but from the photos and description looks in very good condition and new ones go for 25+ in size DS needs. The price includes postage so was happy with that.

    A friend asked if we wanted to meet at the park after school. Don't feel 100% but wanted to see her before they were off home for the holidays...
    Our DMP has never been a secret with any of my family and friends and they are aware I like to find free things or bargain days out with the children. This friend also knows of our situation but is constantly asking us to go on big days out or dinners with the children. I frequently turn her down because of this. Today's plan was a run around the park, but when we got there they were already eating in the cafe. DD had already had a drink and snack on the way and DH was getting dinner sorted. Ended up buying DD another little drink just so we could sit in the cafe. I really do like this friend but also her DS gets what he wants most of the time and brags a lot to my DD. Bragging is not a good trait for a 5 year old I do not think. I also do not want my DD to start thinking she's hard done by. As we left today she did say 'he wasn't very friendly today' don't think friendship should be this hard.

    Rant over, sorry.
    • Robin09
    • By Robin09 12th Jul 18, 1:18 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    Feel like I'm swallowing razor blades today so not much productive stuff going on..

    Checked bank and budgets. All are where they should be. Going to sit down and price up school uniforms and see how much more we will need in that 'pot'

    Hoping to feel better by the weekend.
    • Robin09
    • By Robin09 13th Jul 18, 12:13 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    Must look as bad as I feel today as they tried to send me home from work but agreed I could stay if I stayed away from them all

    Spendy day. Have taken money out for 2 DN's birthdays, money out for the coming week and posted other nephews present and card, I rarely do this but this is the first time we will not be seeing him on his birthday as we are going to an event this weekend. All budgeted so that is good.
    • Honeysucklelou2
    • By Honeysucklelou2 13th Jul 18, 11:35 PM
    • 1,065 Posts
    • 4,947 Thanks
    Honeysucklelou2
    Hope you are feeling better.
    paydbx #93 804.50/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Robin09
    • By Robin09 15th Jul 18, 8:03 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    Many thanks honeysucklelou2, I am getting there..

    An amazing day yesterday, a group of us went to our first Pride event. I am so lucky to have such great family and friends who support our son. It was quite emotional as everyone was just so full of happiness, was lovely to see. I paid for everyone's tickets and train fare a few months back so I hadn't budgeted spending money as knew I would be getting the money back from them all, it was enough to cover our day out. Mainly spent on drinks, it was soooo hot!!.

    Today, DS spent the day with his group who are going away to Europe next year so paid in the money we had saved. Then on to a birthday party for DD.

    Shopping this week came to 72.03, so only just under budget. Still trying to get this down.

    My weekly 20 has not lasted long at all this week. I spent some getting a nice photo frame for a present we are making for DS Scout leaders, as he is leaving there this week after 8 years. Also used some to buy ice creams today after the party. Have enough left for raffle tickets at the school. But I do not need anything this week hopefully so can wait until it resets next week.

    MIL gave us a big bag of clothes today for DD, so grateful. Plus there was 3 school dresses in there that is the size I was planning on getting. So that has been ticked off the school uniform list
    • Robin09
    • By Robin09 17th Jul 18, 11:57 AM
    • 89 Posts
    • 360 Thanks
    Robin09
    Yesterday I felt truly awful, finished work with a migraine that lingered for the rest of the day. DH needed the car so my dad gave me a lift to and from work. Which was good as wouldn't have wanted to drive home feeling like that.

    DH gave me strict orders to rest today but the house needed doing and I hate letting it slip as then it's just so much more work to catch up on. So spent a couple hours this morning blitzing the place and now I can sit with a coffee and relax properly.

    I am going to take some money out of the 'extras' pot from our savings today. 10 to get DS scout leaders some flowers and choc to go with the gift we have made them to say thank you and goodbye. DS has had such an amazing 8 years there and it's truly amazing how much time and effort the leaders give up to give our children such brilliant experiences.

    Have another DN birthday this week (budgeted for) not a month goes by without a birthday in our family. Between DH and myself we have 11 brothers and sisters and 34 nephews and nieces. We do not buy for all the adults and some of them are older now and have kids of their own so we get the little ones something instead.
    • Robin09
    • By Robin09 18th Jul 18, 8:36 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    A NSD today..

    As well as feeling poorly, yesterday I had a fall. So was coughing and hobbling around work today! Getting fed up of it all now.

    After yesterdays unbudgeted spend, I am hoping to not have any more until next month. Will see how that goes..

    DS got sent home from school today, was so close to getting 100% this term too. Seems to have perked up once he had a rest. The shirt I ordered him from E8ay came today and annoyingly it is too small. Will have to try to sell it on. Weird sizing on the shirts. The medium size is smaller than the size small he has now.

    Payday tomorrow for me so will be able to add to the various pots
    • Tink_04
    • By Tink_04 18th Jul 18, 10:35 PM
    • 968 Posts
    • 5,019 Thanks
    Tink_04
    Hi Robin!

    Popping in to have a read - seems like your doing really well with your new budget and seems so organised with the present buying too!

    I always struggle with the budget and find the money runs out before the month has! How did you change yours to make it work out better for you?

    I have friends who only like to do big expensive things too and we just try to work around and do our own thing - usually meeting at out house or aomewhere after lunch etc so we are not caught out. I always have my snack bag too! Most of my friends understand but it's awful when people just don't even try to understand at all!

    Good luck & ill subscribe to keep up!

    Tink
    1p savings challenge 2018
    2 savings challenge
    • Robin09
    • By Robin09 18th Jul 18, 11:42 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    Hi Tink,

    Many thanks for stopping by and subscribing The new budget is nothing new or exciting and very simple, although I doubt I am going to explain it very well, apologies. DH is paid the beginning of every month and we were the same for a long long time.. Just waiting for the next payday to come around.

    Basically I figured out what our essentials were (rent, council tax, any set bill etc) and worked out what we were earning on minimum pay. This is so I know that on these months we will have enough for the essentials if nothing else.
    I then break down a chunk of the remaining into weekly amounts. For example, before DH would get his money out at the beginning of the month and it would be gone within one or two weeks, then he would be getting more cash out or paying by card and I would have to redo the whole budget again. Now he has set weekly amount and rarely even takes his card out with him anymore. It doesn't seem to bother us as much if we run out within 2-3 days because then it resets itself a few days later. Better that than waiting 2-3 weeks.
    I am not saying it was all DHs doing (although for sure he was a lot worse ) things like needing 1 for something school related would see me going to take out 10 and not accounting where the other 9 went to. So, to have my weekly 20 works really well for things like this.
    Our income is variable so some months we have been able to save more than others but the most important thing to me is that we have been able to save something and not be waiting around for more money to come in.

    Robin x
    • Tink_04
    • By Tink_04 19th Jul 18, 10:10 AM
    • 968 Posts
    • 5,019 Thanks
    Tink_04
    That's a good idea - the simple ones are always the best! DH takes his money on payday too - he gets paid 29th and me 24th! Might give it a go for next month and see how it works out.

    I'm always taking money out of another account and putting it back later or forgetting about it etc. We have put the joint account cards away and use our own cards or the shopping account (monthly shopping allowance) might try to do the shopping account weekly too as I have been going to ald* and get loads more for the money from them!

    I'm trying to work out money for the 6 weeks holidays abut we are trying to keep it as simple as possible and do cheap or free things! It's the feeding them that's hard - they eat all the time! Might make packed lunches up for the fridge then that's the stuff for the week!

    Tink
    1p savings challenge 2018
    2 savings challenge
    • dustydigger
    • By dustydigger 19th Jul 18, 11:15 AM
    • 594 Posts
    • 2,009 Thanks
    dustydigger
    I too have a lot of family to buy for,though fortunately not as many as you do,Robin!Only (!) 14.
    We are pensioners on Pension credit so are paid weekly and I arrange the finances fortnightly,and our direct debits are spread over the month,so theres not a horrific clump of DDs to come out at the start of the month,it doesnt feel so much of a strain.And only having to go 2 weeks to the next ''pay day'' is less strain too.
    I have a ''birthday fund'' on my fortnightly budget,usually put away 10 a fortnight. Our birthdays seem to come in masses,then big gaps,so having a fund building up is a blessing. September is the worst,with a daughter,2 granddaughters and Mr Dusty all in a space of 9 days at the end of the month,thats about a 100 quid. Ouch.
    I just emptied the fund with DS1 and his partners birthdays this week,and I have 5 fortnights so that makes a nice round 20 a fortnight.I do a zero sum budget each fortnight,put down every expense,putting a reasonable sum in the household cash box which we take cash from as necessary.and then I immediately transfer anything left to the various savings accounts,even if only a fiver . I am a real Scrooge once money goes in the bank,I dont want to touch it,I will bend over backwards to make do and mend,or improvise,or eat out of the freezer,etc etc rather than remove any.If I left it in the purse for a while,it would mysteriously melt away.And you know what its like,think,oh I need milk,get a tenner from the ATM,and somehow the whole tenner mysteriously vanishes in a day. Spooky.Putting excess away at the start and living strictly from the money box really shows up whether things are a ''want'' or a ''need''.

    SPC 2018 # 012 -
    2 Savers 2018 #19 154 Tesc* Xmas Savers 25.85
    Icel@nd bonus card 16 House & Home Fund 2018 - 277 (plus 174 from 2017 = 451)
    weight loss :3/7lb AF Mar-Aug 178 days+ Sep 18/24 Books read Sep 9/12 Prolific 4.75

    • Robin09
    • By Robin09 19th Jul 18, 7:24 PM
    • 89 Posts
    • 360 Thanks
    Robin09
    Hi Tink,

    It's always worth a try. I have tried so many different ways over the years. Works for us but maybe not for others. Just have to find out a way to work it to each individual circumstances I guess.

    We do our shopping weekly now. Used to do a big shop at the beginning of the month but found it just went quicker and would end up spending more throughout the rest of the month. I wish we had some of the cheaper shops around here but I also really dislike actually going into the shops to buy it all.

    I asked mine for some ideas of what they would like to do in the holidays and most of their ideas are free thankfully. They are happy to spend the entire day hiking in the woods or playing in the stream. DD did put two paid items on the list - trampoline park and Pottery painting so will try and get them done. We are lucky to live in such a beautiful place with lots of free places to visit but it does get so so busy in the holidays. We do have a big day out this weekend though, was DS's main birthday present.

    Yes, mine eat non stop too. Specially DS who is definitely having another growth spurt and is a bottomless pit. I usually get them to make lunch together in the holidays if we are at home, as it gives them something to do. But I feel these holidays are going to be slightly different as DS is at the age where he wants to be out with his friends whenever he gets the chance. I am sure I will be fed up of picnics come September. DD only has 5 weeks holidays which makes it easier.

    X
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