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  • FIRST POST
    • DancingInTheRain
    • By DancingInTheRain 31st May 19, 11:45 AM
    • 223Posts
    • 787Thanks
    DancingInTheRain
    Keeping on the Straight and Narrow...
    • #1
    • 31st May 19, 11:45 AM
    Keeping on the Straight and Narrow... 31st May 19 at 11:45 AM
    Well here goes, my first diary...After being an avid lurker both here and on the MFW boards over the years I have been amazed and inspired by the success of many individuals and the support of other forum members so hoping to do the same. So why am I here? In the 6 years since DH and I bought our home we have undergone many home improvements, got married and had 2 gorgeous little boys. Although all of this was planned, some costs spiralled and 2 spells of Maternity Leave in 3 years have proved a little challenging. At the moment our debts do not feel out of control, they just do not sit comfortably with us as we are naturally debt averse so we are looking to attack these as a matter of urgency when I return to work following Maternity Leave. No SOA just yet as, we have taken the decision that I will return to work on a part time basis so want to get to grips with that first. Current debt total is £13,636. No interest on these, currently have 2 x 0% credit cards and 1 interest free family loan. Back to work in July so June is about laying the groundwork. Wish me luck!
    Last edited by DancingInTheRain; 31-05-2019 at 1:58 PM.
Page 2
    • nomorecredit
    • By nomorecredit 7th Jun 19, 9:36 AM
    • 245 Posts
    • 541 Thanks
    nomorecredit
    Hi

    Well done on the NSD's.

    You are doing great each payment is making a difference. I am sure you can get to £9,999 for 2020 its all going in the right direction.

    Kids are very expensive, my oldest won't stop growing I can't keep up everytime she gets dressed something else is too small :-)

    I admire you all who have the patience to do the surveys keep thinking I want to start them do YouGov but that takes a lifetime to cash out! Perhaps its a tad bit of laziness too.

    Have a lovely Friday
    Best wishes
    NMC xx
    House Savings - £6.83
    Emergency Fund - £5.19
    Christmas Savings - £0

    October - Lunch to work - 2/12
    October - NSD - 4/12
    • nomorecredit
    • By nomorecredit 7th Jun 19, 9:38 AM
    • 245 Posts
    • 541 Thanks
    nomorecredit
    P.S it took my 11 years to start my diary !! I read diaries every day never once posted until January this year !! and still don't everyday !!
    Last edited by nomorecredit; 07-06-2019 at 9:38 AM. Reason: typo
    House Savings - £6.83
    Emergency Fund - £5.19
    Christmas Savings - £0

    October - Lunch to work - 2/12
    October - NSD - 4/12
    • DancingInTheRain
    • By DancingInTheRain 7th Jun 19, 12:22 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Thanks NMC, I can only try and to 11 years pleased you made the leap from lurkdom! x

    With the surveys I definitely find PA the best, I tend to leave a tab open when I'm on my laptop and that seems to be the best way to catch the surveys as they pop up. The regular £5 cash outs soon mount up and keep momentum going. I've only just got back to YouGov and OnePoll as I've had slow success there in the past. Have tried a few other companies but found them too frustrating.

    So today I've had a £6.99 spend on a bottle of wine for me and hubby to enjoy tonight taking grocery spends for the month up to £108.50. It's one we really like and is on offer so not an essential purchase but definitely a lovely treat

    Today saw a couple of DD's go out along with the SO for CC2. Another £3 cashed out from TCB and sent to CC1 along with a £2.21 current account tidy.

    Debt total currently at £13,443
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • DancingInTheRain
    • By DancingInTheRain 8th Jun 19, 12:41 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Miserable weather here so after a quick tidy around the house this morning I've been to the supermarket to grab a few 'picnic bits' and going to take the boys to my sister-in-law's house to have an indoor picnic with their cousins. £12.94 spent, not bad as there'll be 7 of us sharing the food and this included a bottle of medicine for the baby who is cutting more teeth at the moment

    While I was out I topped up my petrol - £19.99 spent. So to round up my current account I've sent £2.07 to CC1

    Total grocery spends June now at £121.44

    Update on surveys:
    Yougov - 1005
    OnePoll - £3.80
    Prolific - £2.45 confirmed, £7.09 pending
    Receipt Hog - 1242
    Shoppix - 540

    Hope everyone's having a good weekend x
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • FootyFanDan
    • By FootyFanDan 8th Jun 19, 7:02 PM
    • 291 Posts
    • 752 Thanks
    FootyFanDan
    Wow! The start to your journey has been so positive. Here to cheer you on and follow the journey.
    • DancingInTheRain
    • By DancingInTheRain 9th Jun 19, 8:52 AM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Thanks FootyFanDan I’m definitely feeling full of motivation at the moment, I’m sure I’ll have a dip at some point but for now I’m enjoying having a bit of focus & seeing the benefit of a few small wins chipping away at the debt.

    The boys were up at 6 this morning & the sun has made an appearance for the first time in several days so after breakfast we were out for a walk to a nearby park, think we all felt the benefit of a bit of sunshine and fresh air.

    Chicken roasting in the oven, kitchen cleaned so a productive morning so far - I think I’ve earned a break while I enjoy a cuppa & a catch up on here.

    Hubby placed a small accumulator on a few sports results yesterday (from his personal spends) while he had a few drinks & a catch up with some friends.

    This resulted in a £50 win which he’s says we can use half for a family treat (to be decided) & half towards debt so we’ve transferred £25 across to the family loan, a lovely unexpected start to Sunday
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • DancingInTheRain
    • By DancingInTheRain 9th Jun 19, 3:16 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Hubby & oldest boy have gone out for an afternoon at a car rally and baby's having a nap so have been thinking about my £9,999 by 01/01/20 target.

    Debt at start of diary was £13,636 so need to clear £3,637 to achieve goal.

    £170 'normal' payments each month (£60 to CC1, £60 to CC2, £50 to Family Loan) x 7 (Jun-Dec) = £1,190

    Leaves £2,447 to find - extra payments so far this month total £50 leaves £2,397 to find, an average of £350 per month.

    If, as has been the case in the last 2 months, we can continue to use hubby's wage for the majority of our living costs once I return to work then I think this goal is definitely achieveable as long as we keep focused.

    Basic calculations are that after deductions for pension, etc I should clear around £600 per month on my new part time wages.

    Ooooh feeling quite excited that we might just be able to do this
    Last edited by DancingInTheRain; 09-06-2019 at 6:17 PM.
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • FootyFanDan
    • By FootyFanDan 9th Jun 19, 6:58 PM
    • 291 Posts
    • 752 Thanks
    FootyFanDan
    Thanks FootyFanDan Iím definitely feeling full of motivation at the moment, Iím sure Iíll have a dip at some point but for now Iím enjoying having a bit of focus & seeing the benefit of a few small wins chipping away at the debt.
    Originally posted by DancingInTheRain
    I can certainly hope I can follow the pattern you have set with the motivation. At present I am finding it nice to be able to write everything down and early on I am thinking of targets and improvements to make but hopefully even further into my diary when I am making the tough decision I can stick at it and see the end goal as motivation enough
    • DancingInTheRain
    • By DancingInTheRain 10th Jun 19, 8:19 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    You've made a start Dan and sometimes that's the hardest thing, plans may change but you know where you want to be & I'm sure you'll get there.

    Another NSD for me today so now up to 6/30 for June. Had some more sunshine today so 2 loads of laundry done but also got out for a lovely walk with the baby this morning then played in the garden when my oldest boy came back from nursery. Trying to make the most of the weather as the forecast is truly dreadful for the rest of the week.

    Yesterday was a low spend day for Hubby & oldest boy at the car rally. Total spend there £9.50 (used hubby's winnings from Saturday so there's still £15.50 left for another treat for us somewhere). Money well spent as they both had a blast

    No change to the bank account but just had another cash out from PA of £4.80 which has duly been sent to CC1.
    Last edited by DancingInTheRain; 10-06-2019 at 8:24 PM.
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • DancingInTheRain
    • By DancingInTheRain 11th Jun 19, 12:28 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Spendy Tuesday in the DancingInTheRain household. Usual weekly shop included more medicinal items for baby and hubby who are both under the weather & I also picked up a bottle of screenwash -total spend today is £90.06!!!

    So total grocery spend for June is now at £211.50

    Also picked up some little treats for the boys to give to hubby on Father's Day, came to £10.25 (from my personal spends).

    Cashed out £2.86 from TCB and sent this across to CC1. Will wait for today's spends showing as cleared on the current account tomorrow to see if there is anything to round the account up and hopefully transfer another small amount tomorrow.

    I'm sure my current account and credit card providers are wondering what's happening with all these little payments I know I could put these little amount in a savings account and just pay it across to the CC once a month but at the moment it's really satisying to feel like I'm chipping away every couple of days or so.

    The rain has held off so far here today so sneaked another load of washing on the line, keeping an eye on the clouds in between snuggling my poorly boy and giving the house a quick tidy round.

    Hope everyone else is doing well today x
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • DancingInTheRain
    • By DancingInTheRain 12th Jun 19, 9:20 AM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Morning all

    No Dancing but plenty of Rain here today. Baby still poorly (teething and stomach bug) so not a lot of a sleep happening in our house at the moment.

    Took advantage of being awake half the night and sorted through the kids toys. So the toys are now organised (until oldest comes home from nursery), broken toys in the bin, outgrown/unused toys bagged and taken to the charity shop.

    Yesterdays spends have now cleared in my current account plus a DD went out today, left an untidy £1.46 so this has gone across to CC1.

    Little one is having a nap (finally!!!), must get on with some jobs while there's a bit of peace!

    Have a great day folks x
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • FootyFanDan
    • By FootyFanDan 12th Jun 19, 9:24 AM
    • 291 Posts
    • 752 Thanks
    FootyFanDan
    Morning all

    No Dancing but plenty of Rain here today. Baby still poorly (teething and stomach bug) so not a lot of a sleep happening in our house at the moment.

    Took advantage of being awake half the night and sorted through the kids toys. So the toys are now organised (until oldest comes home from nursery), broken toys in the bin, outgrown/unused toys bagged and taken to the charity shop.

    Yesterdays spends have now cleared in my current account plus a DD went out today, left an untidy £1.46 so this has gone across to CC1.

    Little one is having a nap (finally!!!), must get on with some jobs while there's a bit of peace!

    Have a great day folks x
    Originally posted by DancingInTheRain
    Morning Dancing.

    Hope the little one feels better soon.

    If you feel like you need more toy sorting feel free to come do my childs! haha that is a task I need to tackle today and I am certainly not looking forward to it

    hope you have a good day
    Debt At Start Of Diary (08/06) - £6129
    Current Balance - £4999.85 Paid In Total £1129.65.
    • DancingInTheRain
    • By DancingInTheRain 12th Jun 19, 7:54 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Thanks for the offer Dan but no thanks

    Little one is much better now but it's been a looooonnnnnngg day. Should have been a NSD but poorly baby and a tired & grumpy 3 year old who both refused to nap were bundled into the car at 2.30 and taken for a drive to calm us all down. Both boys fell asleep at which point I realised I hadn't eaten lunch and was starving so headed to the local MaccyD's drivethru (which I've probably only ever visited a handful of times in my life) and indulged in a burger & fries only £2.68 spent so could've been worse.

    Here's hoping tonight's a quieter night, I'm sitting in bed now & reckon I'll be fast asleep soon.

    Update on surveys:
    Yougov - 1105/5000
    OnePoll - £3.90/£25.00
    Prolific - £4.60/£5.00 confirmed, £2.95 pending
    Receipt Hog - 1269/1500
    Shoppix - 675/3200
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • FootyFanDan
    • By FootyFanDan 12th Jun 19, 8:40 PM
    • 291 Posts
    • 752 Thanks
    FootyFanDan
    Thanks for the offer Dan but no thanks

    Little one is much better now but it's been a looooonnnnnngg day. Should have been a NSD but poorly baby and a tired & grumpy 3 year old who both refused to nap were bundled into the car at 2.30 and taken for a drive to calm us all down. Both boys fell asleep at which point I realised I hadn't eaten lunch and was starving so headed to the local MaccyD's drivethru (which I've probably only ever visited a handful of times in my life) and indulged in a burger & fries only £2.68 spent so could've been worse.

    Here's hoping tonight's a quieter night, I'm sitting in bed now & reckon I'll be fast asleep soon.

    Update on surveys:
    Yougov - 1105/5000
    OnePoll - £3.90/£25.00
    Prolific - £4.60/£5.00 confirmed, £2.95 pending
    Receipt Hog - 1269/1500
    Shoppix - 675/3200
    Originally posted by DancingInTheRain
    Glad to hear the little one is feeling better, it must have been a tiring day for all concerned. I guess when you are on the go and tired its easy just motor through the day without even considering food as you don't get a chance to stop. The spend was low though so thats a bonus.

    Hope you manage to get some much needed rest.
    Debt At Start Of Diary (08/06) - £6129
    Current Balance - £4999.85 Paid In Total £1129.65.
    • lightbulbtime
    • By lightbulbtime 12th Jun 19, 10:42 PM
    • 31 Posts
    • 51 Thanks
    lightbulbtime
    Hi DancingInTheRain,


    Glad to see how positive you're being, even when things seem not so bright you're using your time wisely and being proactive. Something I can aspire to be myself more often. I like your idea regarding pushing over the pennies and pounds to get to zero's, I'll happily steal that idea from you if you don't mind.


    Good luck, I'll be keeping subscribing to your thread to congratulate you when you hit the four figure goal!


    Lightbulbtime
    • poppytattoo
    • By poppytattoo 13th Jun 19, 10:14 AM
    • 58 Posts
    • 161 Thanks
    poppytattoo
    Hello DancingInTheRain, just popping over for a nosey on your diary after you took the time to comment on mine - thanks again for that, I appreciate it

    Congratulations on starting the diary and well done on getting off to such a great start - looks like you really have this nailed with planning, NSDs, surveys etc! I have no doubt you will smash this!
    Debt-free wannabe since January 2018.
    Car repayments: £12986.46/£15895.40, Credit card:£4496.32/£5000, Dental fees:£972/ £1558, HSBC dc loan:£7662.76 /£11767.81, HSBC overdraft:£5000/£5000
    Total debt: was £39220.58, now £31,414.53

    Make £5 a day in May challenge: £44/£155
    • DancingInTheRain
    • By DancingInTheRain 13th Jun 19, 3:58 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Thanks for your lovely comments guys, much appreciated. Slightly more sleep last night & remembered to eat so feeling more human today

    Lightbulbtime feel free to steal that idea, it's one of the many amazing tips I picked up reading diaries here & is such a simple way of paying a few extra pounds to the debt. I'm looking forward to adding up my totals at the end of the month to see just how much extra this has generated.

    Popped in to work today to say hi to my colleagues and get a bit of info on some changes in procedures that I need to get my head around ready for next month.

    In debt busting news, had a survey approved on Prolific that tipped me over the £5 payout threshold so after fees that was £4.81 sent across to CC1 along with £10.00 from our loose change jar (anything less than 10p goes in here).

    Take care all x
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • Pip Boy 111
    • By Pip Boy 111 13th Jun 19, 5:39 PM
    • 183 Posts
    • 562 Thanks
    Pip Boy 111
    Hi

    Wow, such a positive diary and outlook. You're doing great and the NSD's are awesome. Especially with such young kids!

    Fair play on the surveys. I just didn't have the patience to do them!

    It also sounds like you and the hubby are on the same page. Splitting winnings on the family.and debts? Well played that man

    You sound like you're all over this and have a plan and conviction to see this through in quick time.

    Good luck
    Last edited by Pip Boy 111; 13-06-2019 at 5:42 PM.
    Debts 14/6/2019 (LBM 5/3/2019)
    Overdraft: £900/£0 Barclaycard: £3755.55/£2859.42 Loan: £21620.29/£17997.19
    Total £26275.84 £20856.61 (REDUCED BY 20.62%)
    • DancingInTheRain
    • By DancingInTheRain 13th Jun 19, 8:24 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    Thanks PB

    I think it's about time I put a bit of positivity back out to the world, we've had a really challenging & stressful couple of years with many changing circumstances for us (renovations, children, bereavement, redundancy) and I've definitely struggled mentally but the fog has definitely lifted recently so I need to run with this positive feeling as much as possible while it's here. One of the reasons it's taken me so long to start a diary is that everything felt so impossible but since starting I'm definitely feeling hopeful that we can do this.

    It's true that hubby and I are on the same page in wanting to clear this debt which certainly makes life easier although, like many other diaries on here, it's me who takes the lead and as long as he doesn't feel too deprived he's happy to leave me to it. Also very useful that he's a subscriber to the 'happy wife, happy life' way of life! I tend to give him an update each payday and that seems to be more than enough for him so it works for us.
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
    • DancingInTheRain
    • By DancingInTheRain 13th Jun 19, 8:52 PM
    • 223 Posts
    • 787 Thanks
    DancingInTheRain
    While it's in my head, managed another NSD today so now at 7/30 for June. Couple of spendy days coming up, I have a much needed hair appointment tomorrow (first one of the year, can't wait for all the greys to be obliterated!!!) then hubby is out for a meal with work colleagues. Saturday sees me out with my friends for lunch & a couple of cheeky drinks which is quite rare these days as there's 6 of us & while we're really good friends who I'd be lost without, co-ordinating a free day for all of us is a constant struggle but will be good fun.

    Need to make sure we pack a few fun things for the boys around this too, hopefully the weather will be on our side so we can get out & about but plenty of things we can do at home if not.
    01/06/19 Total Debt £13,636 £11,414 16.30% PAID
    CC1 (0% to June 2020) £2,708/£989 CC2 (0% to October 2020) £5,978/£5,600 Family Loan £4,950/£4,825
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