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  • FIRST POST
    • FaceHeelTurn
    • By FaceHeelTurn 9th Jul 18, 12:08 PM
    • 38Posts
    • 48Thanks
    FaceHeelTurn
    Getting a grip on my life...
    • #1
    • 9th Jul 18, 12:08 PM
    Getting a grip on my life... 9th Jul 18 at 12:08 PM
    Hello All!

    I’ve been a lurker on MSE for about a decade, and after finding myself in debt over the last couple of years, I’ve finally joined up and am starting my Debt Free Diary. At 33 years old, I feel like I need to get a better grip on my life and I hope my diary will help, even if just a little.

    Since moving into my own rented place in summer 2012 I’ve had growing credit card debt. I owe the following…

    CC1 - £3209.11
    CC2 - £1675.83

    I also owe my partner approximately £700. Thankfully she is not in any rush for me to pay this back, and I’ve set up a direct debit to her account for £20 per month, so slowly it’s reducing.

    I’ve paid off a good whack of my CC debts so far this year, and I was really pleased to see my credit rating jump up a bit because of this. To further improve my rating, I have a 3rd CC which I have used only for small amounts twice and have paid off completely at the end of each month.

    After moving into my own place, what really got me into debt was…action figures. I’m a big comic book fan and amassed an embarrassing amount of those little Funko Pop vinyl figures in a short period of time. They’re generally £10 each so didn’t feel like too much of a splurge, which then led to me buying more and more. About a year ago, I finally completely stopped buying them and have been slowly selling them all on ebay. Thankfully, as I was so obsessed with these little figures, I knew the market quite well and managed to sell some for a decent profit. I still own about 30 and am still going through the process of selling them.

    I joined up to the following survey sites at the end of May; I-Say, Swagbucks, Onepoll, Prolific, Crowdology, GFK, YourSayPays, and Populous and in about 5 weeks, I’ve earned approximately £20 in Amazon vouchers, and £30 in cash which I’m really delighted with.

    Now to throw a spanner in the works…I have 2 big holidays (New York in Oct and Copenhagen in Dec) coming up before the end of the year. You might be thinking “Well she’s a bit of a plonker for going on 2 big holidays while she’s in debt” and you’d be kinda right The holiday to NYC is with my mum. My parents aren’t aware of my financial problems and I really don’t want to tell them. Mum recently received a redundancy package (which she was happy with btw!), has wanted to go to NY for years and thinks now would be a good time while she is fit and healthy. That holiday is now completely paid for; flights, hotel, insurance, coach transfers etc. I’m going to Copenhagen with my partner, who is aware of my debt; after recently coming out to our parents, we’re finally in a place where we can go on a foreign holiday. We avoided this for years for various reasons; what if one of us got sick and had to contact the other’s parents? We couldn’t buy our folks little holiday gifts, or even share holiday photos and stories with them, so we knew we just wouldn’t enjoy it. So although it’s not the best time money-wise, after 5 years of keeping our relationship a secret, we just really wanted to treat ourselves. My partner has paid for this trip (I’ll be paying her back as mentioned above).

    So as I'm trying to save a little spending money for the holidays and for Christmas, for the rest of year, I'll only be paying the minimum off my CCs, while trying to avoid running into more debt. It feels like an almost unrealistic task so I’d be really grateful of any advice and support!

    Sorry for the long post and thank you for reading!

    Clare
Page 2
    • FaceHeelTurn
    • By FaceHeelTurn 1st Aug 18, 12:43 PM
    • 38 Posts
    • 48 Thanks
    FaceHeelTurn
    Good luck for the interview!
    Originally posted by GlendaSugarbean
    Thank you It didn't go all that well but nor was it a complete disaster. Not getting my hopes up though. At least it's over with!
    Debts: CC1 £3269.46 £3138.46 | CC2 £1637.40 | Partner £833.64
    • SavingAFuture
    • By SavingAFuture 2nd Aug 18, 11:48 AM
    • 114 Posts
    • 228 Thanks
    SavingAFuture
    Every interview is good practice for the next one!
    Well done for going for it x
    Proudly on my debt free journey
    CC1: £0/2120.60 CC2: £860/£3239.99
    • FaceHeelTurn
    • By FaceHeelTurn 2nd Aug 18, 12:10 PM
    • 38 Posts
    • 48 Thanks
    FaceHeelTurn
    Every interview is good practice for the next one!
    Well done for going for it x
    Originally posted by SavingAFuture
    Thank you! You're right, at least it's some more interview experience, if nothing else!
    Debts: CC1 £3269.46 £3138.46 | CC2 £1637.40 | Partner £833.64
    • FaceHeelTurn
    • By FaceHeelTurn 10th Aug 18, 2:59 PM
    • 38 Posts
    • 48 Thanks
    FaceHeelTurn
    I think I mentioned in my first post, my main aim for the rest of the year, is bumping up my income so I can avoid going into debt as a result of my 2 upcoming holidays and Xmas. So I've been going hell for leather on a number of the survey sites, and since the end of May I've managed to earn over £75 cash, and over £100 in Amazon vouchers. I am over the moon with that amount and hope to keep it up for the rest of the year at least. If I do, I pretty much won't have to spend any of my main income on Christmas presents....which means less credit card spending on holidays...which means avoiding further debt...which means in the new year, I can focus all my attention on paying off the CCs again. Really hoping to be debt free by 2020!

    The surveys are deadly boring but I've just been forcing myself to get through them!

    Still no word on the job interview...so not hopeful there!
    Debts: CC1 £3269.46 £3138.46 | CC2 £1637.40 | Partner £833.64
    • FaceHeelTurn
    • By FaceHeelTurn 10th Aug 18, 3:39 PM
    • 38 Posts
    • 48 Thanks
    FaceHeelTurn
    Also forgot to mention I'm doing my first ever mystery shopping assignment next week too! Actually pretty nervous about that but worth doing once to see how it goes.
    Debts: CC1 £3269.46 £3138.46 | CC2 £1637.40 | Partner £833.64
    • FaceHeelTurn
    • By FaceHeelTurn 14th Aug 18, 12:37 PM
    • 38 Posts
    • 48 Thanks
    FaceHeelTurn
    Some good news....I got the promotion/job I interviewed for recently! It won't be an immediate change to my income but as I was at the top end of my previous grade, I'm now the bottom end of my new one so my annual salary will continue to grow over the next few years. Really chuffed and very surprised!!
    Debts: CC1 £3269.46 £3138.46 | CC2 £1637.40 | Partner £833.64
    • FaceHeelTurn
    • By FaceHeelTurn 6th Sep 18, 11:39 AM
    • 38 Posts
    • 48 Thanks
    FaceHeelTurn
    Just checking in as I haven't done much in the way of debt busting recently; minimum payments are still being paid off, and I'm still in the midst of sorting out holidays. At this stage, I'm actually hopeful that I'll be able to avoid credit card spending on both holidays (hopefully no disasters will pop up). I also have the bulk of my Christmas shopping done, all thanks to surveys and Amazon vouchers! So while I'm really looking forward to my hols, I also really can't wait for the new year so I can really get my teeth into getting rid of my debts!
    Debts: CC1 £3269.46 £3138.46 | CC2 £1637.40 | Partner £833.64
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