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  • FIRST POST
    • WelshKitty85
    • By WelshKitty85 22nd Jul 18, 1:03 PM
    • 847Posts
    • 6,941Thanks
    WelshKitty85
    £29,303...Enough is enough!
    • #1
    • 22nd Jul 18, 1:03 PM
    £29,303...Enough is enough! 22nd Jul 18 at 1:03 PM
    So, Iíve had ďlightbulb momentsĒ before, but today Iíve reached breaking point. The realisation that we could lose everything, including a roof over the childrenís heads, has slapped me in the face. From £4844 of debt 18 months ago, we are now at an all time high of £29,303. Yes, we have things to show for it. Weíve bought a new house and immediately spent £12,000 on repair work and decorating (we had budgeted around £7,000 but lots of cracks had literally been papered over). We also have 3 cars on the drive (Iíll come back to this later). But Iíve had the realisation that we could lose it all in a heartbeat as weíre living beyond our means.

    Today is the day that things have to change. Iím off to brew up, cry into my cup of tea, then make a plan. Iíll be back...
    Enough is enough...
    £29,603 (22/7/18) £22,906
Page 11
    • WelshKitty85
    • By WelshKitty85 6th Oct 18, 10:19 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    I've just paid £5.01 off the cc to tidy up my total owed to £23,370.
    Also changed my payment date so the dd will go out earlier in the month and I can see the balance coming down sooner .
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • Treadingonplaymobil
    • By Treadingonplaymobil 7th Oct 18, 5:41 AM
    • 1,751 Posts
    • 17,944 Thanks
    Treadingonplaymobil
    I'm sure the childminder drop off will improve - my eldest was a total disaster area to drop at childcare, but it did gradually improve until one day I realised there was just no drama with it any more.

    Well done on the bulb planting - I have some indoor christmas ones that I really must plant or they won't stand a chance of flowering in time!
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: £38,608 unsecured debt/£20,000 parental loan/£173,282 mortgage = £231,890
    debt on 1st Sept 2018: £12,221.27 unsecured debt/£19,940 parental loan/£191,003.72 mortgage = £223,165
    • Igamogam
    • By Igamogam 7th Oct 18, 11:21 AM
    • 5,585 Posts
    • 45,861 Thanks
    Igamogam
    A wardrobe sort out is always good! I am not a follower of fashion in any way.... I dont like to be dictated to Sell as much as possible. Get rid of anything that does not 'spark joy' - take a look at the Kona Mari thread to see what that means and then maybe go for a capsule wardrobe - a very good late friend was an exponent of this idea and it makes perfect sense and may work for you........and you may not need to spend £300!
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • Honeysucklelou2
    • By Honeysucklelou2 7th Oct 18, 1:54 PM
    • 1,157 Posts
    • 5,393 Thanks
    Honeysucklelou2
    It will get easier with drop offs. My youngest used to have to be prised off me every morning and still does at the start of each term ( when he's had the holiday to get used to having me at home again!). It is horrible but I also see it in reverse at work and know full well that the crying might last for 5 minutes and then they're busy and active.
    paydbx #93 £899.50/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £2994 in Aug 18
    • WelshKitty85
    • By WelshKitty85 7th Oct 18, 3:05 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    Thanks for the reassurance about the childcare drop offs. He's been really clingy again today - wouldn't go to my Mum (who he adores) and cried when I went out of the room.

    Regarding my wardrobe, I've got 3 carrier bags full of things ready to sort/sell/charity shop. I'll have more to get rid of once I have the replacements but don't want to walk round naked in the meantime . I'm looking online for ideas and making a list of items i really want. I'm hoping not to spend anywhere near £300, although DH is a terrible influence when it comes to shopping!

    Busy day today. DC2 played rugby this morning. The game got abandoned as a player on the other team was seriously injured. No sign of an ambulance when we left 40 mins later, but I've heard he is now in hospital. I'm praying it looked worse than it actually is.

    We then went to watch some of the rally cars in town and took mums dog for a walk at the same time. Quick pit stop now to warm up, then back out to pick up DD from performing arts.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WelshKitty85
    • By WelshKitty85 7th Oct 18, 8:54 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    DC2 played rugby this morning. The game got abandoned as a player on the other team was seriously injured. No sign of an ambulance when we left 40 mins later, but I've heard he is now in hospital. I'm praying it looked worse than it actually is.
    Originally posted by WelshKitty85
    Devasted to have just heard the child has broken his back.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • Treadingonplaymobil
    • By Treadingonplaymobil 8th Oct 18, 4:55 AM
    • 1,751 Posts
    • 17,944 Thanks
    Treadingonplaymobil
    Oh my gosh, how awful. What an upsetting end to the weekend.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: £38,608 unsecured debt/£20,000 parental loan/£173,282 mortgage = £231,890
    debt on 1st Sept 2018: £12,221.27 unsecured debt/£19,940 parental loan/£191,003.72 mortgage = £223,165
    • Igamogam
    • By Igamogam 8th Oct 18, 5:05 PM
    • 5,585 Posts
    • 45,861 Thanks
    Igamogam
    Devasted to have just heard the child has broken his back.
    Originally posted by WelshKitty85
    Dreadful! Child hurt at the rally yesterday too
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • WelshKitty85
    • By WelshKitty85 8th Oct 18, 8:29 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    Dreadful! Child hurt at the rally yesterday too
    Originally posted by Igamogam
    I heard about that. I didn't see the display but can't understand health and safety allowing a 7 year old on a motorbike. So sad .

    We heard the rugby player is "ok" - as ok as you can be with a broken back - and there's no nerve damage. I've not stopped thinking about him all day.

    Work has been manic today - mainly clearing up other people's mess, but at least the day flew.

    I've had a letter regarding my 2nd PPI claim and they are sending me a cheque for £273. I have to pay a % to the claims company so think I will be left with about £250 from my 2 refunds, which I'm happy with .
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • loopybecs
    • By loopybecs 11th Oct 18, 6:39 AM
    • 667 Posts
    • 2,525 Thanks
    loopybecs
    Hey lovely! Iíve just finished catching up on your diary and subscribed Youíre doing so well! Your batch cooking posts are inspiring me to do some. Unfortunately I hate cooking & Iím not the best at it Your baby boy will be ok at drop off after a while. Both my daughters went to nursery at 10 months old and they did the same, but not for long
    Mortgage: £88,000.00 £86,045.43
    Loan From Parents: £15,300.00 £14,800.00
    Emergency Fund: £450.00/£5,000.00

    New Car Fund: £350.00/£6,000.00
    Single mama to 2 little girlies
    • Starmummy
    • By Starmummy 11th Oct 18, 2:01 PM
    • 263 Posts
    • 1,167 Thanks
    Starmummy
    If I send you my wardrobe clearing vibes can you send me some of your batch cooking vibes?

    So sad about the Rugby Player I'm glad it isn't as bad as it could have been though, poor thing.

    I hope your cold has cleared up.

    Take care
    SM
    debt consolidated 16/8/18 £12,267.85/£12,618.12 (Total debt at LBM c..£19k)
    EF savings £650.02 House Deposit (LISA) £136.25/£12,000 1.14%
    • WelshKitty85
    • By WelshKitty85 11th Oct 18, 8:48 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    Thank you both. Cold has gone. I still have an annoying cough, but feeling much better in myself.

    DC3 was at the childminders again today. There were more tears when I dropped him off. When I picked him up, he was happily being held by the childminder until he saw me, then he had a little whinge. So yes, I'm pretty sure he's putting it on to make me feel bad!!

    Starmummy yes I'm definitely up for trading vibes! I've sorted through loads of clothes but need to get round to actually listing/donating rather than decorating my carpet.

    I have to confess to a take away tonight. After being up at 3 with DC3, sorting lunches, getting children to where they needed to be, a full days work, sorting washing, changing bedding etc...I had a bit of a tantrum when DH asked what's for tea and refused to cook. And obviously if I don't cook, nobody eats, so it was the choice between starve or order a takeaway.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • Treadingonplaymobil
    • By Treadingonplaymobil 12th Oct 18, 5:43 AM
    • 1,751 Posts
    • 17,944 Thanks
    Treadingonplaymobil
    We had fish and chips last week. First time in sooooo long we've had a 'takeaway' meal, and it was such a joy to not have to do anything other than unwrap and eat. Sometimes you've got to have a treat.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: £38,608 unsecured debt/£20,000 parental loan/£173,282 mortgage = £231,890
    debt on 1st Sept 2018: £12,221.27 unsecured debt/£19,940 parental loan/£191,003.72 mortgage = £223,165
    • WelshKitty85
    • By WelshKitty85 13th Oct 18, 9:15 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    The weather here is still wild. Hope everybody is tucked up safely at home.

    I decided to apply for a new cc today for the monthly shopping. We use the current one to build up M&S vouchers, but don't really shop there. So I've signed up for one that builds up amazon vouchers instead (and at a better rate). I got £20 amazon credit for signing up and have used that to buy the brushed cotton bedding that's been in my wish list for weeks.

    We're having a few house problems at the moment. The leaking pipe from last month isn't a leaking pipe at all - it's actually the roof/dormer that's leaking . We've also got a wet bedroom wall with water coming through the cladding . The roofer that replaced part of the roof & cladding last December is coming to have a look on Tuesday. We've had a blocked drain too but DH has been out in the garden in the wind and rain with drain rods and thankfully has managed to unblock that himself.

    I have managed to list 3 items for sale today from the mountain on my bedroom floor. I might get a couple more listed before I go to bed.

    I think I forgot to mention that I made my Christmas cake earlier this week. It smells delicious already and I'll keep giving it a little drop of brandy every week.

    My savings are now at £900 - enough to cover DHs car insurance, car tax, our home insurance, and my car insurance. Its obviously great that I can pay these all up front, but I'm a bit worried that once these are all paid for there'll be nothing left in savings. I must keep hammering the survey sites and selling as much as I can to keep adding to the savings.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WelshKitty85
    • By WelshKitty85 14th Oct 18, 9:30 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    I can't believe it's the end of the weekend already. Thankfully I'm only working 2 days this week - partly for childcare reasons and partly because DH is taking me birthday shopping.

    Lots more cooking done today: roast chicken dinner today, stew for tomorrow, cooked chicken sliced and frozen, (delicious) egg-free apple cupcakes, carrot and sweet corn fritters. Packed lunches for DH and the children sorted. But I've only just remembered that I need to eat too and have raided the bottom of the fridge and the freezer to find a small quiche, salad and cold meats for my lunch tomorrow.

    I've done well on surveys sites over the last few days. I have almost £20 in PA, £10 SB and I'm inching closer to £50 YG. I'm going to try and make the most of my days off this week and see if I can cash out on PA and SB.

    I'm trying to make some time for myself in the evenings and currently sat face mask on with a cup of tea and pack of biscuits watching catch up tv .
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • ImpulseSpender
    • By ImpulseSpender 15th Oct 18, 4:20 AM
    • 26 Posts
    • 42 Thanks
    ImpulseSpender
    Just de-lurking to say how well you're doing on this debt journey. Your batch cooking is making me want to cook!

    Love the facemask and biscuits, I always get a facemask when I want to treat myself.

    I don't do that many survey sites currently but planning on getting into them when I return back to the UK. I have tried SB recently but wasn't that impressed. Which ones do you prefer?
    FD CC - 258.78/258.78, Santander CC - 50/3564.05, MBNA CC - 400/3144.96, Savings - £300/5000
    • Treadingonplaymobil
    • By Treadingonplaymobil 15th Oct 18, 5:11 AM
    • 1,751 Posts
    • 17,944 Thanks
    Treadingonplaymobil
    You're doing so well! Laser focus. You'll be out of debt crisis before you know it (and long before me ). Enjoy your less-worky week.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: £38,608 unsecured debt/£20,000 parental loan/£173,282 mortgage = £231,890
    debt on 1st Sept 2018: £12,221.27 unsecured debt/£19,940 parental loan/£191,003.72 mortgage = £223,165
    • WelshKitty85
    • By WelshKitty85 15th Oct 18, 6:49 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    Thank you both .

    ImpluseSpender I find prolific tends to give the best paying surveys but I can sometimes go weeks without having any surveys from them at all. I gave up SB a few years ago as I kept getting screened out a long way into surveys. I've gone back recently when PA was really quiet and it doesn't seem quite as bad as it was and I've earned £20 in about 2 months. YG takes a while to build up the £50 cash out amount but the surveys are usually quite interesting and I never get screened out.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WelshKitty85
    • By WelshKitty85 16th Oct 18, 11:30 AM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    I finished work early yesterday as I'd completed all of my tasks. So I came home and tackled the mountain of ironing before picking up the children. Yesterday was pay day and most of my DDs have gone out, so my totals are currently looking like:

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Barclaycard....................9014.56......200... ....0
    Hitachi..........................10,375.71...226 .5.. .3.4
    MBNA...........................3731............50. ...... .0

    Debt total = £23,121.27

    Savings total = £927.37

    There's still a cc payment scheduled to go out next week, so that will take me below £23k .

    Enjoying the day at home with DC3 whilst the older 2 are at school and DH is working. He's actually just called to say he has done some work for a butcher today and they have given him some free gammon and bacon to bring home with him .

    I've managed to cash out a £10 Amazon voucher from SB today which I will use for Christmas presents. I already have some books for DC2 in my watch list so I might order them once it comes through. I'm about £1 away from being able to cash out £20 from PA so am keeping a tab open to remind me to check it everytime I go online.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WelshKitty85
    • By WelshKitty85 17th Oct 18, 3:38 PM
    • 847 Posts
    • 6,941 Thanks
    WelshKitty85
    The weather was lovely here this morning so I put DC3 in his pram and walked to town (an easy walk there, but all uphill on the way home!). We got some errands done, collected a prescription for DC2 and stopped for baby story time at the library. I had a quick look at the community orchard on the way back but it's been completely stripped of fruit now.

    I've completed a few more PA surveys and once they're approved I will have over £20 available to cash out. I've received my cheque for the bigger ppi payment now and will bank that whilst shopping tomorrow. It should more than cover the clothes I want to buy, and hopefully a bit left over to add to savings.
    Enough is enough...
    £29,603 (22/7/18) £22,906
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