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
    • Purplemumof2
    • By Purplemumof2 11th Sep 18, 11:02 AM
    • 6,559Posts
    • 24,650Thanks
    Purplemumof2
    Why Walk When You Can Fly
    • #1
    • 11th Sep 18, 11:02 AM
    Why Walk When You Can Fly 11th Sep 18 at 11:02 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 11:18 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
Page 8
    • Purplemumof2
    • By Purplemumof2 8th Nov 18, 11:30 AM
    • 6,559 Posts
    • 24,650 Thanks
    Purplemumof2
    I thought I should do an update so that I know where I am for the next few months.

    DH's salary will be slightly higher as he won't be paying in to his pension or for the company health care, so we will initially see a small benefit. After his three month probationary period is up this will change.

    Debt totals so far:

    MBNA: £5660
    Lloyds CC: £9878.75
    Lloyds OD: £2750

    Grand Total: £18,288.75

    By Christmas we will be well under the £18K mark and in all fairness if we hadn't paid off the amount we had this year, we'd have been even higher, I think the debt is slightly lower than the start of the year, albeit not by very much.

    Whilst not much is going to get paid off this side of Christmas, I need to think about next year...I know we're not there yet!

    I think most of the same plan will apply:

    Pay off a minimum of £4000 off the CC's
    Reduce the overdraft by £1000
    Build pots up
    Aim to pay for Home Insurance in full
    Aim to pay for Car Taxes in full
    Save for Christmas - Aim £500 by any means (points, vouchers etc)
    Carry on with Surveys/competitions

    Personally I hoping that I can raise more sponsorship for my trek with MIND....I'm currently on £10 of my £700 target

    If nothing else, next year is going to be exciting
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • WannabeFree
    • By WannabeFree 8th Nov 18, 1:58 PM
    • 1,804 Posts
    • 16,076 Thanks
    WannabeFree
    Are you posting your sponsor on Insta?

    Plans look good, it's always good to have a plan. I think you've done amazing this year!

    Xx
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Purplemumof2
    • By Purplemumof2 8th Nov 18, 2:09 PM
    • 6,559 Posts
    • 24,650 Thanks
    Purplemumof2
    Are you posting your sponsor on Insta?

    Plans look good, it's always good to have a plan. I think you've done amazing this year!

    Xx
    Originally posted by WannabeFree
    I hadn't thought about that, I have an FB page set up for it, could add my link to my Bio or whatever the kids call it (see I know all the technical stuff! )

    I love my plans even if they don't always come through lol

    Thanks hun, you too xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 8th Nov 18, 3:46 PM
    • 6,559 Posts
    • 24,650 Thanks
    Purplemumof2
    I think DD is being bullied she said that everyone in her year hate her and a lot of them laugh at whatever she does.

    I told her that I would talk to her tonight about it she's a sensitive soul and shouldn't have this.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Nov 18, 3:55 PM
    • 5,727 Posts
    • 40,397 Thanks
    HairyHandofDartmoor
    Your plans for next year sound doable .

    That's not good about DD being bullied . You should definitely talk to her. What year is she in? The school sometimes tries to help, but so much of it is done when the teachers aren't around and then it turns into he said and she said . I hope you can find out what's going on anyway.
    Last edited by HairyHandofDartmoor; 08-11-2018 at 3:56 PM. Reason: Typos
    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 = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Purplemumof2
    • By Purplemumof2 8th Nov 18, 4:11 PM
    • 6,559 Posts
    • 24,650 Thanks
    Purplemumof2
    Your plans for next year sound doable .

    That's not good about DD being bullied . You should definitely talk to her. What year is she in? The school sometimes tries to help, but so much of it is done when the teachers aren't around and then it turns into he said and she said . I hope you can find out what's going on anyway.
    Originally posted by HairyHandofDartmoor
    She's in Year 8, I think it's because she's a bit of a swot and generally gets on with things. DS said that there are a lot of clique girls in that school and if you don't fit in, they take the P out of you. I don't want to make things worse for her being there but I don't want her being unhappy
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Nov 18, 4:43 PM
    • 5,727 Posts
    • 40,397 Thanks
    HairyHandofDartmoor
    She's in Year 8, I think it's because she's a bit of a swot and generally gets on with things. DS said that there are a lot of clique girls in that school and if you don't fit in, they take the P out of you. I don't want to make things worse for her being there but I don't want her being unhappy
    Originally posted by Purplemumof2
    It's tricky to know the best thing to do. Sometimes they're in a class with lots of bullies iyswim. If that was the case maybe she could move classes. It depends if she is already streamed for subjects. I did all my subjects with my tutor group for the first three years and they were AWFUL. When I was streamed I was with nicer girls.

    You need to talk to her first and find out what's going on. And ask whether is she getting bullied on social media too. Good luck.
    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 = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • WelshKitty85
    • By WelshKitty85 8th Nov 18, 8:45 PM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    Poor DD. Bullying is just awful. She's in the same year as my DD and it's such a worry isn't it. I hope you manage to have a good chat and get to the bottom of what's happening.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WannabeFree
    • By WannabeFree 8th Nov 18, 8:54 PM
    • 1,804 Posts
    • 16,076 Thanks
    WannabeFree
    Send me an inbox/linky I will sponsor you x

    I hope a good chat with DD helps and you can get it sorted

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Purplemumof2
    • By Purplemumof2 9th Nov 18, 9:51 AM
    • 6,559 Posts
    • 24,650 Thanks
    Purplemumof2
    Send me an inbox/linky I will sponsor you x

    I hope a good chat with DD helps and you can get it sorted

    x
    Originally posted by WannabeFree
    Thanks lovely, linky is in my Bio on Insta xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 9th Nov 18, 9:56 AM
    • 6,559 Posts
    • 24,650 Thanks
    Purplemumof2
    Morning,

    Free brekkie today courtesy of the Contracts Manager

    Spoke to DD last night and had a real good chat about things. It seems that there are three girls, two of which were originally her 'friend'. They imitate what she does and generally act like 6 year olds, when she is about. One girl in particular, she sits next to in Art class and this girl often says to DD 'my work's better than yours'.

    I have told DD that they are just acting like they're 6 and they should grow up a bit. I told that she needs to ignore them and they will move on and annoy someone else.

    She has two other friends that don't conform to the rest and she gets on with them, I told her to stick with them and not follow the sheep.

    I will keep an eye on it and if needs be, I will speak to her year head and see what can be done.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • monz
    • By monz 9th Nov 18, 10:53 AM
    • 3,406 Posts
    • 11,439 Thanks
    monz
    Such a shame about your daughter!1 Wht age is year 8? hate bullies! When my son got bullied that school had hell to pay they said was not happening until he came home iwth a black eye... he was only five n turned out to be a 10 year old n theytook away boys |play time..... I was livid xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    car PCP - £1,268.93/£11,848.25 mum and dad £2,000/£4,000 mortgage - £82,740 o/s currently - paid £1,862.79 (£48.32 overpayment)
    • Purplemumof2
    • By Purplemumof2 9th Nov 18, 10:59 AM
    • 6,559 Posts
    • 24,650 Thanks
    Purplemumof2
    Such a shame about your daughter!1 Wht age is year 8? hate bullies! When my son got bullied that school had hell to pay they said was not happening until he came home iwth a black eye... he was only five n turned out to be a 10 year old n theytook away boys |play time..... I was livid xx
    Originally posted by monz
    I remember that incident and the hassle you went through with the school.

    Year 8 is 12 to 13 year olds hun xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • jwil
    • By jwil 9th Nov 18, 1:36 PM
    • 9,210 Posts
    • 29,322 Thanks
    jwil
    Sorry to hear about the job and DD Hope it all settles down for her.
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Nov 18, 2:32 PM
    • 5,727 Posts
    • 40,397 Thanks
    HairyHandofDartmoor
    I hope things improve for DD at school.
    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 = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • WannabeFree
    • By WannabeFree 9th Nov 18, 3:14 PM
    • 1,804 Posts
    • 16,076 Thanks
    WannabeFree
    Hope things improve for DD

    Will go find your linky tonight

    Hope you've had a good day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • redmel1621
    • By redmel1621 9th Nov 18, 10:22 PM
    • 5,901 Posts
    • 25,625 Thanks
    redmel1621
    Sorry to hear about the job. I know first hand how it feels to be promised a job and then have it snatched away, leaving you swinging in the wind. I hope you find something permanent very quickly x
    Unless someone like you cares a whole awful lot,
    Nothing is going to get better. It's not.

    • doingitanyway
    • By doingitanyway 10th Nov 18, 5:04 PM
    • 3,529 Posts
    • 19,513 Thanks
    doingitanyway
    Girls that age can be so mean!
    Emergency fund 1060/1000
    NSD November 6/30
    • Purplemumof2
    • By Purplemumof2 14th Nov 18, 11:49 AM
    • 6,559 Posts
    • 24,650 Thanks
    Purplemumof2
    Morning,

    Not a lot to report, hit pay out on OP, so hopefully £25 will be winging it's way over to me by the end of December...this will be thrown at the MBNA card.

    The month is not going how it should be either so that doesn't help matters.

    DH is fretting about the money spent on travel....it is expensive but can't be helped...I have told him that previously.

    I'm on holiday for the next few days after today and need to get the following sorted:
    • HSBC to sort out PAYE on Christmas pot account
    • Christmas stocking stuff for the kids
    • MiL birthday card and present
    • Visit Lloyds to pay in saved money from SPC, transfer to Christmas Acc
    • See DS's Engineering Teacher on Friday (Woo!!! not!)
    • Food shop
    • Gym
    • Write Christmas cards/tags out
    • General house stuff
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Nov 18, 6:58 PM
    • 5,727 Posts
    • 40,397 Thanks
    HairyHandofDartmoor
    I hope the month improves for you and to high petrol costs.
    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 = £17
    "Tough times never last, but tough people do" - Robert H Schuller
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

4,535Posts Today

5,780Users online

Martin's Twitter
  • Watching Theresa May... seriously would anyone in their right mind truly want her job right now!

  • RT @thecheekypostie: @MartinSLewis Thanks to this, I have just skim read it. To those in Scotland - on page 548, Dounreay is mentioned by n?

  • Today's twitter poll: The 585 page draft agreement of the withdrawal of the UK from the EU has been published. A? https://t.co/8YLkPyzqYM

  • Follow Martin