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  • FIRST POST
    • kerron7
    • By kerron7 23rd Aug 18, 4:51 PM
    • 286Posts
    • 511Thanks
    kerron7
    Fresh start needed
    • #1
    • 23rd Aug 18, 4:51 PM
    Fresh start needed 23rd Aug 18 at 4:51 PM
    Hi,

    I've been a member of MSE for years now and although have been motivated to become debt free more times than I care to remember it's never happened. Things have to change and now!. I do have a diary but it's been so long since I've posted I've decided to start a new one fresh start and all.

    A bit about me, I have 6 children ranging from 2-18, a lovely partner father to the youngest 2, I work part time in education and my partner is returning to work in September. My daughter has just turned 18 which has seen income drop significantly but will be outweighed by partners income come October. We currently rent but would love a place to call our own but before that can happen this debt needs to go! The debt is all in my name credit cards, a loan, store cards etc which has reduced and then added to again and again, I can't dwell on it, it's done so now need to make changes and plans and live by them.

    Will work out exactly what i owe later I think it's around 19,000.

    I shop around for the best deals, use cash back sites and mainly stick to my grocery budget but will think nothing of adding to my catalogue if something is needed with the plan to pay it off which doesn't happen, the mindset needs to change.

    Will post back later with some exact figures.

    K x
    Emergency Fund - 7.47/500
Page 2
    • kerron7
    • By kerron7 31st Aug 18, 4:07 PM
    • 286 Posts
    • 511 Thanks
    kerron7
    Congrats on paying them off! And only having to dip in to the emergency fund by 6 is great - that's what its there for - so you don't have to go into more debt.
    Originally posted by NelliePie
    Thanks, I forgot about another payment I'm due so I won't need to move it after all plus I should have a bit left over.

    K x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 1st Sep 18, 9:46 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Still waiting on cc, fingers crossed it comes today I really want to get it all on interest free!

    So reflecting on the summer holidays

    DP has got a job
    Have managed to stick to the summer holiday budget
    Got cards on interest free
    Worked out a budget till Christmas
    Paid off 2 store cards

    All in all it's been pretty positive and I'm feeling focused on getting rid of the debt again.

    To do list

    General clean/tidy done
    Sort out paperwork drawer done at last
    Sort out my bedroom cupboard
    Get DD2 school shoes done
    Help DS3 with some homework
    Washing/drying done

    K x
    Last edited by kerron7; 01-09-2018 at 10:33 PM.
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 2nd Sep 18, 10:16 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    CC came yesterday so have moved around things on to new card, I need to wait for a BT to clear so I can move another balance on to CC1.

    When everything is done I will have got rid of a catalogue, moved everything interest bearing onto interest free from other catalogue and I've paid store card 1 and 2 off. I've decided to split my debts on my diary as I want to focus getting rid of cards, catalogue and overdraft first.

    As it stands I will have the following (will update figures when all is finalised

    TCC1
    TCC2
    MBNA
    Catalogue
    O/D - 600

    K x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 2nd Sep 18, 10:29 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    My month starts again on the 6th and looks like I'll end the month with a little left over! I have had to add to debt though as the washing machine broke.

    Had an email as car insurance is due up soon an extra 14.65 a month! I don't think so, will have to look into this and get it cheaper.

    DS2, DS3 and myself are having our hair done today which is accounted for, mine is well overdue.

    To do list

    General clean/tidy
    Make cottage pie for dinner/tea done
    Washing/drying

    A small list today as my hair takes ages

    K x
    Last edited by kerron7; 02-09-2018 at 4:43 PM.
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 3rd Sep 18, 9:30 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Morning

    All direct debits have gone out this morning apart from one. Have funds left over which I am saving for DS1 and DP subs, a ticket for DP and t-shirts and socks for DP for work. I'll have about 50 left which I'm putting aside as we will have been overpaid on the HB plus need to save for tax and NI as DP is SE, such a pain for a couple of months!

    I have cancelled a few DD this morning and need to cancelled 2 SCs.

    I'm back to work tomorrow on a course so need to get the house sorted today.

    To do list

    Washing/drying
    Cancel SCs
    Meal plan starting on Thursday

    k x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 4th Sep 18, 7:36 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Back to work for me today as I'm on a course.

    Have put some washing on this morning, it's raining so will have to go on the rack.

    A bill has come out earlier than expected so 13.47 down, will need to do a bit of a shuffle when I get paid on Thursday I'll take it from my personal spends I think.

    Still waiting for BT to show, hopefully by the end of the week.

    Will be back later

    K x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 6th Sep 18, 7:56 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Posted yesterday but lost it arrh!

    One more early get up before the weekend, wish it was like this every week.

    Balance Transfers are all done, just need to pay them all off now. Budget is looking tight for September probably will be for the foreseeable future but it's got to be done, we have food on the table that's the main thing.

    DS3 first day in reception today so must get him ready and take photos to send to DP.

    K x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 11th Sep 18, 7:07 PM
    • 286 Posts
    • 511 Thanks
    kerron7
    Don't know where to start but I'm not feeling in the best of places. DP has been SE literally for 3 weeks then on Sunday playing football his has done something to his cruciate ligament in his knee, they can't do anything at the hospital for 4 weeks as it is too swollen apparently it's blood. Obviously have informed HMRC he is SE and tax credits, now looking on the NHS website it is likely to be 12 weeks before he can do any manual labour. Do I
    De register him being SE? Estimate his wages for tax credits as what he has already earnt until he can go back to work? Housing benefit will be another headache, with his wages from 2 weeks in August and 1 in September coupled with the fact they will take into consideration DD1 wages this month I can't see the payment for September being much.

    Just feeling so disheartened at the moment and I'm shattered, getting up early to get the children sorted and taking them to school, working, clubs, housework and now DP who can't do anything, I do feel sorry for him he's in so much pain.

    Sorry for the moan, it's just how I'm feeling.

    I like everything in its place and know how much money I have coming in, now it's all uncertain until it gets sorted.

    K x
    Last edited by kerron7; 11-09-2018 at 10:29 PM.
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 14th Sep 18, 7:12 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Have sorted tax credits out and rang council just need to de register DP as self employed until he can go back to work.

    Will need to move money around I have save until I get paid as I won't have enough in current account.

    Made a payment to catalogue yesterday.

    Grocery shopping came in at 73 so will have 27 left for top ups.

    Really looking forward to the weekend I'm shattered.

    K x
    Emergency Fund - 7.47/500
    • GlendaSugarbean
    • By GlendaSugarbean 14th Sep 18, 7:25 AM
    • 264 Posts
    • 1,879 Thanks
    GlendaSugarbean
    Frustrating

    You do sound like you are in a better position to manage this, though. Hope he is back on his feet soon.
    • kerron7
    • By kerron7 15th Sep 18, 11:51 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Figures currently stand

    Loan - 12,348.24
    Cat - 2,008.40
    TTC1 - 2,348.18
    TTC2 - 1,220.76
    MBNA - 3,169.15
    O/D - 600
    Sofa - 468.99
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 16th Sep 18, 10:33 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Really need to keep up with this diary I just find reading other peoples more interesting!

    A load of washing is on, it's raining so might have to put it on clothes horse to dry.

    NSD today fingers crossed.

    Account is looking poor, a few direct debits coming out next week so will have to move from savings until I get paid.

    Have 17.97 in grocery budget till Thursday so should be okay there. Fuel budget not looking too bad.

    Pulled pork for dinner today.

    DS1 has a football match today so will go and watch at least one half.

    DP still really struggling with knee and in constant pain.

    K x
    Last edited by kerron7; 16-09-2018 at 10:46 AM.
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 19th Sep 18, 7:14 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Might just be able to pay everything without touching savings account this mth I think, waiting for HB to update now DP can't work.

    Started Christmas shopping, got 20% off a 100 spend and picked up some reduced stationery in As@a.

    Fuel budget is still doing well, so far less than the bus tickets I was having to pay for the boys to get to school.

    Nothing left in grocery budget until tomorrow and still have about 4 main meals left in freezer.

    Also electric is going doing okay have been putting in 15 for the week which has lasted.

    K x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 22nd Sep 18, 8:36 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Still just ticking over, nothing really happeneing money wise apart from having to find 39 to for a dance competition for DD2 which wasn't planned!

    Some DD to come out over the next few weeks so may have to move money to cover until I get paid then put it back again.

    No more has come off debts as waiting for statements which is good as I haven't got the money yet to pay them.

    Need to transfer money to DP to cover his phone bill.

    Will spend some out of GB today as I want to do some baking.

    Fuel is looking okay, seems to be working out cheaper than the bus pass I was paying for the boys, but I think I may need to take the car to the garage at some point in the near future as i have heard a noise a couple of times over the last week will see how it goes.

    Really busy in day to day life with work and children, it has got me down a few times this week and have felt quite anxious.

    Pegged some washing out last night so hopefully will dry as it is forecast rain later this morning.

    No heating on yet have set a date of 1st of November, children all have colds I'm hoping it's just going around rather than the house being cold as I think the temperature is just right.

    Need to sort out my car insurance renewal today, I've found it cheaper to will go back to current company and see what they can do.

    Will update later

    K x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 22nd Sep 18, 11:53 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Sorted car insurance got it over 200 less than renewal, a big win plus 35 cashback if it works!

    Brought some bits for baking 8.80 and some construction vehicles reduced from 6 to 3 for DS3 for Christmas.

    Washing brought in and finished off in dryer for 10 minutes as it is now raining. Another load to go on today which I'll put on the rack.

    Just going to do some baking this afternoon and have a relaxed day although I've got to pick up DD2 from dance and drop DD1 off at work later.

    Pizza, chips and sweet corn for tea. I've been good all week and have lost 4lbs so I think I deserve a treat.

    K x
    Last edited by kerron7; 22-09-2018 at 11:56 AM.
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 23rd Sep 18, 8:42 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    Lots of baking done yesterday marble cake, chocolate chip loaf cake, fairy cakes, cookie dough and hob nobs will last all of 5 minute in this house!

    Spent 5.29 in cheap shop, tape measure, light bulb, 2 phone charger leads for the car also 1.49 on a big jar of coffee in li@l it actually tastes okay.

    Transferred 30 ready for DP phone and insurance next week.

    A load of washing on will go on dryer it's raining again will have another load later.

    Have read 2 books with DS3 this morning did his sounds too, wrote up an observation for DD3 nursery and filled in a form for DS3 to take back.

    Chicken breasts with stuffing and vegetables for dinner today.

    Need to do a general clean and tidy today.

    That's all for now

    K x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 25th Sep 18, 12:52 PM
    • 286 Posts
    • 511 Thanks
    kerron7
    DD to gas gone out and I've transferred DP insurance money.

    Used a 10 off 60 spend at Mr M and 4.60 CB if it tracks.

    Washing is on the line today sunny and breezy here today.

    K x
    Emergency Fund - 7.47/500
    • kerron7
    • By kerron7 26th Sep 18, 7:51 AM
    • 286 Posts
    • 511 Thanks
    kerron7
    No DD going out today and bank looks okayish!

    Mr M coming this evening so tea will be from the freezer today.

    DD1 payslips have come so will spend this evening sending them off to the council.

    DP off to watch a football game tonight which he has paid for with his birthday money.

    K x
    Emergency Fund - 7.47/500
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