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
    • abbylou
    • By abbylou 23rd Aug 18, 11:37 PM
    • 47Posts
    • 188Thanks
    abbylou
    Journey of a determined single mum
    • #1
    • 23rd Aug 18, 11:37 PM
    Journey of a determined single mum 23rd Aug 18 at 11:37 PM
    Well, this is it. My diary.
    I have been lurking here for ages reading diaries and feeling so much inspiration from the many positive stories.
    A bit about me.
    I became a single mum almost exactly two years ago when my ex left very suddenly and shacked up with ow who he met at work. This was a devastating time for me and my kids but I am in a very different place now and ready to sort my life out.
    I work full time and have two children.
    I bought my ex out of our home and still live here with the children. It is a struggle financially and the house is a bit of a dated mess but itís home and we love it.
    So I think I have been burying my head in the sand for a while with regards my finances. I had to spend a lot to buy the house and my mortgage took into account the maintenance I was getting.
    Unfortunately ex decided to jack in his well paid job unexpectedly and now pays a lot less.
    Over the last few months my debt has crept up and up, especially credit cards. When I added up the total tonight it scared me and shocked me.
    Tomorrow is payday so tonight I have sat and worked out a budget for the coming month. It allows me to put money aside for things like birthdays, Christmas, car service etc. It is very tight and leaves little for treats but hey ho, needs must.
    I think I have been frittering money willy nilly for a while and it needs to stop.
    I am going to account for every penny and write everything down that is spent.
    Today I have made a start. My phone contract finished last month so I have changed to a sim only deal meaning I m now paying £12 a month instead of £53!
    Itís a small start, but a starry nonetheless.
    I expect my diary will be extremely full to read but I think it will help me to document my thoughts and my singing - if I get some good advice along the way, bonus!
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
Page 2
    • abbylou
    • By abbylou 27th Aug 18, 10:36 PM
    • 47 Posts
    • 188 Thanks
    abbylou
    So today was a NSD thanks to my school work - my first one and the first of many I hope!

    I cashed in £6.91 from surveys today and have some more pending so hopefully they will be confirmed tomorrow.

    I broke the back of my school work today, feeling a bit more prepared to go back now. I am going in later in the week to finish sorting my room out.

    Plans for tomorrow are visiting my parents during the day and then it’s and bobs around the house in the evening. I have some laminating to do for school too - such excitement!
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 28th Aug 18, 10:37 PM
    • 47 Posts
    • 188 Thanks
    abbylou
    Today was a little bit spendy, whoops ��
    I had a few bits we had run out of at home so I had to get those.

    I may have also bought myself some clothes. I bought a pair of jeans and a top but they came from my budget and no credit cards were used. I thought very carefully about which things to buy and which I would get the most wear out of. The truth is I have put a lot of weight on recently and seriously have nothing to wear now the weather is turning cooler. I am out with friends on Friday night and just needed something smart/casual. I obviously made the choice to buy these clothes but I am pleased with how carefully I deliberated over what would be the best buys - and I didn’t buy the shoes I really liked!

    Tomorrow we are meeting friends for a picnic and a local play area so should be fairly cheap. We have picnic stuff so only parking to pay and maybe a hot chocolate for me!
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • Kitten868
    • By Kitten868 29th Aug 18, 8:31 AM
    • 1,090 Posts
    • 2,664 Thanks
    Kitten868
    Getting the pots right is a juggling act and you don't realise it until it comes up and you have no money for it. I've opened up loads of savings accounts and renamed them and then I'm planning on putting the money across weekly. We will get there eventually. Any money left over from the bathroom could go to birthday boy/Christmas fund.
    As for Amazon at the time of their big events they do 20% Amazon warehouse deals usually. I just go mad for that. Half the time you don't see anything wrong with the item and the kids never notice damage to the box - they are too busy opening it xxx
    Loan 1 £5400/£8000
    Loan 2 £3400/£5800
    Total £8800/£13800 36% PAID

    And CC £1475/1900
    • abbylou
    • By abbylou 29th Aug 18, 10:15 PM
    • 47 Posts
    • 188 Thanks
    abbylou
    Thanks for that info about amazon, I didn’t know that?
    How do you know when it is happening?

    Today I didn’t £8 but for that the kids were occupied all day. We went to meet friends at a national forest place. £3 to park all day. We took a picnic and games and they were all happy with each other playing in the playground, in the fields and in the woods. I spent £5 on extra drinks as we all finished them and it was a warmer day than we expected.

    I think something I have been overspending on is top up shops. I hadn’t realised how often I do it. The weekly shop was a good price but I have spent far too much buying extras I either forgot or we’ve run out of.
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 31st Aug 18, 8:05 AM
    • 47 Posts
    • 188 Thanks
    abbylou
    Well it’s officially the last day of my holidays today. What am I doing? Going in to work of course! Got to make sure my classroom looks nice and inviting for next week.

    I will be glad to get back to work from a money saving point if view. I think I spend less money and I also don’t have the kids to entertain.

    Next week’s target is to do less top up shops! I seem to have popped in somewhere nearly every day this week and it adds up so much. I must plan better next week.
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • Honeysucklelou2
    • By Honeysucklelou2 31st Aug 18, 8:17 AM
    • 1,347 Posts
    • 6,564 Thanks
    Honeysucklelou2
    It is amazing how much time it takes to get the classroom ready. Hope your day is as productive as possible.
    paydbx2019 #93 £141.93/£10,100 .
    School trips £236/£1200..
    • Mumoffourkids
    • By Mumoffourkids 31st Aug 18, 8:54 AM
    • 702 Posts
    • 3,683 Thanks
    Mumoffourkids
    I now send my older kids to the shops to do top up shops. They only get what I tell them to get so saves me money!! I'm lucky in that we live a 1 minute walk from two small supermarkets so I can send the kids!
    Total debt Dec 2017 £23090.83
    SEP 2018 £0 100% paid
    Emergency fund £257.38/£600
    Total Savings £1672.07
    • abbylou
    • By abbylou 31st Aug 18, 5:03 PM
    • 47 Posts
    • 188 Thanks
    abbylou
    I’m not even over spending! It’s things I have genuinely run out of and not planned well enough!!

    Today I paid out another £11 in surveys do up to over £20 so far since I started this!
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 1st Sep 18, 10:42 PM
    • 47 Posts
    • 188 Thanks
    abbylou
    Why are things always against you when you try to be good?!
    Dd came out of her gymnastics con tonight with a competition slip for a comp in October - £25 and £28 for the leotard!
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 15th Sep 18, 9:05 AM
    • 47 Posts
    • 188 Thanks
    abbylou
    Depressingly I have realised that last month I paid out £453 in debt repayments and all that got paid off was £184 😔☹️
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 15th Sep 18, 10:29 PM
    • 47 Posts
    • 188 Thanks
    abbylou
    I am quite pleased though because it is looking like I may actually finish this month without using credit cards or dipping into my savings?
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 29th Dec 18, 1:19 PM
    • 47 Posts
    • 188 Thanks
    abbylou
    Well here I am, back again after a lapse!
    New year, new me and all that.
    I am determined that this year is the year I get a grip on my finances once and for all!
    I have put my figures into a debt calculator to get a date free date and if I snowball it is September 2021. I am determined to try and get that closer
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 29th Dec 18, 1:29 PM
    • 47 Posts
    • 188 Thanks
    abbylou
    I have just edited my signature ��
    So depressing to see bigger numbers than in August. Bloody Christmas.
    This is it now though, onwards and downwards - for the debt that it!!
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 30th Dec 18, 11:34 AM
    • 47 Posts
    • 188 Thanks
    abbylou
    Our Christmas tree broke as we were putting it up this year. It was already held together with string and this year it is very unstable.
    I have just treated myself to a half price pre-lit one ready for next year.
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • abbylou
    • By abbylou 31st Dec 18, 10:07 AM
    • 47 Posts
    • 188 Thanks
    abbylou
    So I have had a small breakthrough with my debt free journey.
    Surprisingly I have been accepted for a credit card with 0% balance transfer for 29 months.
    This enables me to transfer the bulk of my debt - 2 credit cards - onto interest free. Great news!
    This will mean I can hammer the other two debts that are accruing interest much more quickly.
    I will update my signature again when the card comes through.
    January 2019 Credit card 1 £1241.22
    Credit Card 2 £5641.40
    Next £1304.06
    Very £2033.02

    Total debt: £10229.70
    • efes shareholder
    • By efes shareholder 8th Jan 19, 12:55 PM
    • 425 Posts
    • 1,098 Thanks
    efes shareholder
    The 0% is a massive boost

    I think paying the interest on money we have already spent hurts more.
    At least every penny will be bring the total tumbling down
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

2,292Posts Today

8,467Users online

Martin's Twitter
  • RT @paullewismoney: People who were students 1990-97 are being offered the chance to pay off half their unpaid student loan and the other h?

  • As normal I am signing off twitter for the weekend - to spend time with mini and Mrs MSE. Hope you have a wonderfu? https://t.co/FG3sRfkIgA

  • RT @LauraFrancis9: Top crew! We may film in the freeeeeeeezing cold every week, but this bunch make it fun. (And huge thanks as always to @?

  • Follow Martin