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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 11th Sep 18, 10:02 AM
    • 7,012Posts
    • 26,952Thanks
    Purplemumof2
    Why Walk When You Can Fly
    • #1
    • 11th Sep 18, 10:02 AM
    Why Walk When You Can Fly 11th Sep 18 at 10:02 AM
    Time for a new diary, although not at the end of 2018 yet, my plans put in place at the beginning of the year, haven't quite gone as planned....like most things

    Title of my diary comes from a Mary Chapin Carpenter song of the same name and the lyrics are rather apt to the present moment, it symbolises life and at ahem (42, shhhh!! Don't tell anyone) it resonates with me.

    Debt as it stands:

    MBNA: 5960 0% Sept 2019
    BC: 40
    Lloyds: 10,000 - 0% April 2021
    Lloyds OD: 2750

    Grand Total: 18750.00

    So whilst that looks horrendous, it is manageable.

    Pots:

    General - This is my default pot - will be used as my emergency pot
    DD's Travel - Yearly
    Overdraft - Will make a monthly payment until I hit target
    CC Overpayment - Same as above
    Cars - Again as above but no set target, will be used for all things car related
    Household - Everything house related - may include Quarterly and Yearly bills??

    Good Things:
    • Capital One card has gone along with DS's misdemeanour from last year, this one I was adamant was going this year.
    • We've paid off over 7K off the debt this year. Most of that was because of DH's commission and general saving up but also due to Surveys
    • Car is finally sorted
    • Lounge has been decorated
    • Pots set up
    • DS has finally settled down in school (I hope!)

    Bad Things:
    • The debt has increased - probably by what we already paid off, not sure.

    The good outweighs the bad, which means that things are going the right way.
    Last edited by Purplemumof2; 11-09-2018 at 10:18 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
Page 2
    • Purplemumof2
    • By Purplemumof2 12th Sep 18, 7:59 AM
    • 7,012 Posts
    • 26,952 Thanks
    Purplemumof2
    I've done some rough calculations on my spreadsheet and the MBNA should be down to 5360 and the LC 9700 by Christmas if everything goes to plan.

    That doesn't include any overpayments from surveys/pot. I'm hoping that the MBNA one is nearer 5000 by Christmas but we'll see.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • *slavetothevibe*
    • By *slavetothevibe* 12th Sep 18, 8:06 AM
    • 8 Posts
    • 27 Thanks
    *slavetothevibe*
    subscribed! a lovely new diary - good luck
    • Purplemumof2
    • By Purplemumof2 12th Sep 18, 8:14 AM
    • 7,012 Posts
    • 26,952 Thanks
    Purplemumof2
    subscribed! a lovely new diary - good luck
    Originally posted by *slavetothevibe*
    Thank you x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Thistlewhistle
    • By Thistlewhistle 12th Sep 18, 11:17 AM
    • 1,084 Posts
    • 7,459 Thanks
    Thistlewhistle
    Good news on the reorganisations Purple. Sometimes having a good old spring clean just reinvigorates the resolve to get the job done!!


    T
    Mortgage at end 05/2007: 90200
    Mortgage at end 08/2018: 71646 paid 18354 (20.5%)
    MFD: Original:05/2042
    Car Finance: 8225 : 6392 (22.2% paid off)
    CC Debt (0% until 06/2020): 5640 : 4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
    • jwil
    • By jwil 12th Sep 18, 11:39 AM
    • 10,268 Posts
    • 35,615 Thanks
    jwil
    Happy New Diary
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 12th Sep 18, 11:51 AM
    • 7,012 Posts
    • 26,952 Thanks
    Purplemumof2
    Happy New Diary
    Originally posted by jwil
    Thank you x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • doingitanyway
    • By doingitanyway 13th Sep 18, 9:19 AM
    • 4,202 Posts
    • 25,347 Thanks
    doingitanyway
    I hadn't realised you had paid off 7,000 in debt this year. Well done.
    17/4000
    • Purplemumof2
    • By Purplemumof2 13th Sep 18, 9:25 AM
    • 7,012 Posts
    • 26,952 Thanks
    Purplemumof2
    I hadn't realised you had paid off 7,000 in debt this year. Well done.
    Originally posted by doingitanyway
    Thank you DIA x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 13th Sep 18, 9:32 AM
    • 7,012 Posts
    • 26,952 Thanks
    Purplemumof2
    I have checked Quidco and my Home Insurance from March has finally cleared, balance on there is 27.88.

    I think I'll withdraw it and pay that off the BC, that'll leave me with 12.12 to pay off.

    ETA - Have checked the BC and the transfer has gone out from there. Balance is showing a nice 40
    Originally posted by Purplemumof2
    I received a cheque from the DVLA for my old car for 6.66, I'll bank that at the weekend and that too can come off the BC. That will leave me with 5.46 remaining of the 12.12
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • hugglemonster
    • By hugglemonster 13th Sep 18, 9:44 AM
    • 580 Posts
    • 2,666 Thanks
    hugglemonster
    Well done purple, everything looking to be going the right way.

    That's really early to meet ds' teachers, not enough time to get a decent understanding of him/how his year is going? Still at least you know who they are.

    H x
    Debt:Overdraft 2 2400 now 2200 Credit card 2200 now 1990 Car - Purchased 11,518.40 now 5557.56 Barclays loan 3000 now 2403.11 Dad 300 now 100
    PAID - Computer 646.52, Overdraft 1 2200
    Emergency fund: 0 General savings: 0 Debt paid 2019 6.57% current debt 12,250.67
    • pidge04
    • By pidge04 13th Sep 18, 6:58 PM
    • 649 Posts
    • 2,106 Thanks
    pidge04
    Wow! You have done so well and you are continuing to do well!

    I like the idea of clearing some overdraft when savings reach 500. I think I shall try that when I get to that point!
    O/D 1000/800
    CC 5400/2950
    LOAN 10000/3692
    • Purplemumof2
    • By Purplemumof2 14th Sep 18, 7:16 AM
    • 7,012 Posts
    • 26,952 Thanks
    Purplemumof2
    Thanks Pidge x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 14th Sep 18, 11:01 AM
    • 7,012 Posts
    • 26,952 Thanks
    Purplemumof2
    Afternoon,

    I went to the gym last night for my induction and the trainer was lovely and ran through everything with me, I explained that I want to do a 10k run next year for Charity and she said that as I have had a disc removed in my lower back that she strongly advises against it, she said that my lower back has a weakness and that the impact of running would aggravate it as I get older. To be fair my physio said that some years ago, so I know she's not making it up.

    So now I need to think of something else to do instead.

    DD got Patrol Leader in Guides on Wednesday and DS is aiming for NCO in Cadets.

    Got my lunch with me today.

    Not a lot else to report.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Thistlewhistle
    • By Thistlewhistle 14th Sep 18, 12:06 PM
    • 1,084 Posts
    • 7,459 Thanks
    Thistlewhistle
    How about swimming? Low impact and great all round exercise!
    Mortgage at end 05/2007: 90200
    Mortgage at end 08/2018: 71646 paid 18354 (20.5%)
    MFD: Original:05/2042
    Car Finance: 8225 : 6392 (22.2% paid off)
    CC Debt (0% until 06/2020): 5640 : 4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Sep 18, 12:30 PM
    • 8,858 Posts
    • 68,956 Thanks
    HairyHandofDartmoor
    It's a shame about the 10k but a good idea to avoid anything that would injure your back, back pain is just awful.

    I agree that swimming is a brilliant activity. Walking and yoga/pilates are my activities of choice, although maybe not as glamorous as running .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    Goal - buy 50 worth of Premium Bonds per month = 0
    • jwil
    • By jwil 14th Sep 18, 1:28 PM
    • 10,268 Posts
    • 35,615 Thanks
    jwil
    I immediately thought swimming too
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 14th Sep 18, 1:39 PM
    • 7,012 Posts
    • 26,952 Thanks
    Purplemumof2
    Whilst swimming is good, it's not something that I want to do for a challenge. The whole point of the 10K was to do something in memory of my dad on his 70th birthday.

    I've had a look on the MIND website and there are quite a few challenges that I am going to investigate further

    In other news.................DH has just resigned, he's got until the end of October to find something.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Sep 18, 3:13 PM
    • 8,858 Posts
    • 68,956 Thanks
    HairyHandofDartmoor
    Whilst swimming is good, it's not something that I want to do for a challenge. The whole point of the 10K was to do something in memory of my dad on his 70th birthday.

    I've had a look on the MIND website and there are quite a few challenges that I am going to investigate further

    In other news.................DH has just resigned, he's got until the end of October to find something.
    Originally posted by Purplemumof2
    How about a walking challenge? Like the Three Peaks? Our local one is Ten Tors. I'm not sure when they're held though so the timeline may not suit. Just a thought.

    DH has resigned . Sorry to hear that. I'm sure he had good reasons. I hope he finds another job soon.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    Goal - buy 50 worth of Premium Bonds per month = 0
    • Toni'sfriend
    • By Toni'sfriend 14th Sep 18, 3:39 PM
    • 1,904 Posts
    • 19,107 Thanks
    Toni'sfriend
    How about a bike ride? Would that fit in with your back injury?

    Hope DH is OK. I'm sure he must have had very good reasons for resigning.
    • jwil
    • By jwil 17th Sep 18, 8:57 AM
    • 10,268 Posts
    • 35,615 Thanks
    jwil
    Hope DH manages to find something.
    "If you can dream it, you can do it". Walt Disney
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