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  • FIRST POST
    • Wishful01
    • By Wishful01 1st Dec 19, 2:12 PM
    • 62Posts
    • 169Thanks
    Wishful01
    In it for the long haul
    • #1
    • 1st Dec 19, 2:12 PM
    In it for the long haul 1st Dec 19 at 2:12 PM
    Hey all,

    Well letís start at the beginning Iíve made a lot of bad decision in my life regarding money and now is time to stop and start digging myself out of the hole Iíve managed to get stuck in. So this is it paying my debt off one step (or month) at a time. I have made a small start but now I need to knuckle down and get this done.

    Debts I have are:-

    Debt name Start/Left
    Fashion world £165.82 Paid December 2019
    Zinc £81.23 Paid January 2020
    CCS £145.71/£126.00
    Cabot £180.88/£160.00
    Lowell £1,044.24/£977.98
    Lending stream. £1,167.00/£1,147.00
    Old rent £2,222.09/£2210.09
    Lowell £1,319.85/£1,236.11
    Hoist £2,515.95
    Hoist. £7,045.61
    Total £15,878.67/£15,375.74

    November 2019 £186.98
    December 2019 £219
    January 2020 £52.05

    Ok I think thatís it unless another one comes along and bits me in the !!!. I have made a start and Iíll be posting monthly updates as I go so I can see where I started and where I am now. I have made payment arrangements with all of them apart from the CCS one as the account is currently sat in between two debt collection agencies and neither will agree to anything which is a pain the one that contacted me has sent it back and the original one currently doesnít have it on their system so thatíll be dealt with as and when I can.

    So thatís me...
    Last edited by Wishful01; 14-01-2020 at 12:45 PM.
Page 4
    • Wishful01
    • By Wishful01 3rd Jan 20, 11:55 AM
    • 62 Posts
    • 169 Thanks
    Wishful01
    Day 2 NSD

    Went shopping last night and came 35p under budget not much but something. Had a bit more wages than I thought so I can make an extra payment of £20 this month every little bit will help towards my goal.

    I’ll be still working through the freezer as it’s full again from over Christmas and I didn’t even spend that much but with DD working we didn’t eat as much as I thought we would.

    Right best get ready for work
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Blackcats
    • By Blackcats 3rd Jan 20, 1:04 PM
    • 227 Posts
    • 1,610 Thanks
    Blackcats
    Thanks Wishful. Great bargains from the market. I can see that I need to do more batch cooking and eat meals 2 nights in a row. I've got a bit stuck in the routine of thinking I have to buy something different for every night of the week. I do freeze leftovers but often forget they are there. Lots of food for thought if you'll excuse the pun.
    • Wishful01
    • By Wishful01 3rd Jan 20, 11:12 PM
    • 62 Posts
    • 169 Thanks
    Wishful01
    I know what you mean blackcats it took me ages to get my head around organising my food better. I used to spend about £50-£60 a week and Iíve slowly got it down to £30 some weeks is higher and other weeks lower. I never throw left overs even my peelings are used up I scrub my vegetables first then they are frozen and used in soup when I have enough to make a good amount, DD calls it free soup lol.

    Iíve been juggling the budget (as you do) and I can afford to pay off the two smallest debt this month so thatíll be three debts down. Iím going to ring the smallest tomorrow as I want to make sure I have the right figures as I donít want to over pay and itís a pain that they donít show it on their website but thatíll be a job for tomorrow the other one Iíll be paid on the 22nd
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Wishful01
    • By Wishful01 4th Jan 20, 10:27 AM
    • 62 Posts
    • 169 Thanks
    Wishful01
    Finally bought my steel toe cap trainers today so no more sore feet at work.

    Paid zinc off so that debt two gone so glad that ones gone and Iím sticking to my plan.

    Today I need to do a tip run and get rid of some bits and bobs Iíve cleared out. DD is off out with friends today so Iíve decided Iím going to tackle her bedroom and give it a good sort out and clean (itís driving me mad) and Iím in the mood for a tidy up of somewhere.

    Iíve got a load of vegetable peelings in the freezer so vegetable soup for the weekend this weekend and Iím going to make jack monroes marmite bread to dip in it.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Wishful01
    • By Wishful01 4th Jan 20, 10:35 AM
    • 62 Posts
    • 169 Thanks
    Wishful01
    January payments £52.05

    Debt name
    Fashion world £165.82 paid off
    Zinc £ 81.23 paid off
    CCS £ 145.71 £10.00 paid £126.00 left
    Cabot £ 180.88 £10.00 paid £160.88 left
    Lowell £1,044.24 £34.14 paid £977.98 left
    Lending stream. £1,167.00 £10.00 paid £1,147.00 left
    Old rent £2,222.09 £10.00 paid £2212.09 left
    Lowell £1,319.85 £41.87 paid £1,236.11 left
    CCS £2,515.95 still donít know who this is with?
    Total £8,833.06 £219 paid £8,389.02 left
    Last edited by Wishful01; 04-01-2020 at 4:05 PM.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Blackcats
    • By Blackcats 4th Jan 20, 6:33 PM
    • 227 Posts
    • 1,610 Thanks
    Blackcats
    Well done on paying off Zinc. The snowball effect will start to benefit you now that a couple of debts are crossed off the list. It also feels easier to manage with less companies to pay. Have you got ok interest rates on the remaining debts?
    • Wishful01
    • By Wishful01 4th Jan 20, 7:40 PM
    • 62 Posts
    • 169 Thanks
    Wishful01
    Hi blackcats I know itíll a soon reduce now, the only one I had interest with was fashion world thatís why I cleared that fast, the rest is all interest free luckily so everything I pay is paying it all off the amount.
    Last edited by Wishful01; 04-01-2020 at 8:00 PM.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Wishful01
    • By Wishful01 5th Jan 20, 10:54 AM
    • 62 Posts
    • 169 Thanks
    Wishful01
    NSD 3

    Well today I was so happy I managed to get a free lamp off Facebook and it matches my living room perfectly, once I took the Christmas tree down I was missing the nice softer lighting but now I’ve got it back.

    We are off to a National trust house soon to see the Christmas lights as they get taken down tomorrow so packed a lunch and coffee is ready in the thermos flask.

    I’ve finally used up all the instant coffee but I have a load of coffee beans to use so that’ll be used until they run out now.

    I keep looking for carpet for the house but no one seems to be giving any away for free at the moment but I did find a website that sells roll ends so I’ve worked out the living room will cost about £150 so that’ll be my next plan, I have budgeted for it this year as well as my debt. Hopefully something will come up.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Franalamadingdong
    • By Franalamadingdong 5th Jan 20, 11:36 AM
    • 453 Posts
    • 3,729 Thanks
    Franalamadingdong
    Well done on clearing debts. You're doing great. Your day out sounds lovely too.

    I have a new flooring pot too. The lounge carpet and underlay was cheap when I bought it (best I could afford at the time) and since then it's had 6.5 years of abuse. Don't forget to budget for good underlay. When I did the stairs and landing I had good carpet and underlay and it's standing up great.
    • Wishful01
    • By Wishful01 5th Jan 20, 6:38 PM
    • 62 Posts
    • 169 Thanks
    Wishful01
    Hi fran we had a lovely day today, we had to have a car picnic as it was cold but the house was beautiful. Thanks for the tip about underlay will definitely look into that.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Wishful01
    • By Wishful01 8th Jan 20, 11:16 AM
    • 62 Posts
    • 169 Thanks
    Wishful01
    NSD 8

    Well had a very busy few days helped my friend move house. Apart from that not much else happening, works back in full swing again and I’m getting there with the tiredness but it’ll soon be the weekend again.

    I found some old wool so I’m planning on making some sock style slippers once I decide on a pattern, it’s been ages since I knitted anything. It will give me a first project of the year, I’m planning on a jumper at some point too.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Wishful01
    • By Wishful01 10th Jan 20, 6:17 PM
    • 62 Posts
    • 169 Thanks
    Wishful01
    NSD 10

    I did two hours overtime yesterday and Iím working Saturday so Iíll have a bit extra to throw at the debt, Iím determined this will all be gone. I rang both companies that were dealing CCS debt I no long know who has I theyíre both saying ring the other company, this is a right pain so Iíll just have to wait. It was with CCS they passed it to Lowell and now neither want to deal with it itís just so frustrating.

    I did have a bit of luck though I managed to get carpet for the living room for the cost of petrol to collect it and itís in really good condition so thatís one room done I just need underlay and grippers and itís good to go so Iíve managed to carpet the living room for about £70. So Iím really pleased.

    Iíve also ordered 104 bottles of DDís milk as Tesco have it for £1 instead of £1.50 and the date is for next year so Iíve saved £52 for the year DD thought I was bonkers but it can go in the cupboard under the stairs and the way I see it a saving is a saving
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Blackcats
    • By Blackcats 10th Jan 20, 7:33 PM
    • 227 Posts
    • 1,610 Thanks
    Blackcats
    Wishful you are doing really well. Great result on the carpet, it will transform your room, flooring always makes such a difference.
    I started knitting again last year, and crochet. I tend to do simple things but I find it very relaxing. I'm just starting on a blanket for a young relatives's doll. Using up odds and ends of wool and I think she will be very pleased.
    Have a nice evening
    • Wishful01
    • By Wishful01 11th Jan 20, 11:30 PM
    • 62 Posts
    • 169 Thanks
    Wishful01
    Thank you blackcats Iím getting there. I knitted a blanket last year I love it too, I like to relax and watch TV. Well done for taking it back up and what a cute project to make I think people appreciate homemade gifts as a lot of thought gets put into them.

    Iím making all the meals for the week tomorrow:-

    Sunday belly pork slices, roast potatoes, stuffing and broccoli
    Monday piri, piri chicken rice and peas
    Tuesday same as Monday
    Wednesday spag Bol
    Thursday same as Wednesday
    Friday homemade fish cakes, wedges and baked beans
    Saturday homemade pizza using up any bits of veg and meat

    Breakfast porridge with fruit or mushroom omelettes

    Lunches for the week either homemade soup and bread or jacket potatoes with vegetable curry

    Iíve started to weigh my veg out now into proper portions Iím actually surprised how little a portion actually is. Iím trying to eat at least a portion of fruit of vegetables with each main meal and then have fruit for snacks to make it up to 5 a day.

    Food shopping today cost me £29.95 5p under budget but still under so thatís the main thing.
    Last edited by Wishful01; 11-01-2020 at 11:32 PM.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Wishful01
    • By Wishful01 14th Jan 20, 12:42 PM
    • 62 Posts
    • 169 Thanks
    Wishful01
    NSD 12

    So th debt I hope would be a while catching up with me caught up with me today so now I’ve get another £7,045.61 to add to the total. I spoke to them and told them I am trying to pay everything off and offered them £10 a month it’s all I can do right now, they also have the debt I’ve been trying to pay off and the companies were giving me the run around.

    Not much more I can do other than plod on with the plan even though the debts nearly doubled I’ll get there eventually.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Chrystal
    • By Chrystal 14th Jan 20, 6:12 PM
    • 865 Posts
    • 6,220 Thanks
    Chrystal
    Try not to let it get you down..Whether it caught up with you now or 4 years down the line it would still be the same amount to pay back. Keep to your plan, because you never know what the future holds. (((hugs)))
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • Blackcats
    • By Blackcats 14th Jan 20, 7:12 PM
    • 227 Posts
    • 1,610 Thanks
    Blackcats
    I agree with Chrystal. It must feel very disheartening but it sounds like you were expecting it at some stage. You can do this - you've made a great start and potentially this could be the last time ever that your debt increases.
    • Wishful01
    • By Wishful01 14th Jan 20, 11:17 PM
    • 62 Posts
    • 169 Thanks
    Wishful01
    I was expecting it at some point, I’m just going to keep going there is nothing more that can come now, non of the debt was paid by my ex before he swanned off but it is what it is. I’ve just added it to the rest and it will set me back but I’m determined. If I can stick to the plan I’ll have two debts left at the end of the year. Then next year I’ll try and clear the old rent so it’ll just be this big debt left.

    I’m not letting it get to me, to be honest the debt agencies have been pretty good with me so far, I think if you deal with them and are honest they do try to help you. Well off for a well earned coffee now
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
    • Chrystal
    • By Chrystal 14th Jan 20, 11:32 PM
    • 865 Posts
    • 6,220 Thanks
    Chrystal
    Good for you.... enjoy your coffee ( and carry on)
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • Wishful01
    • By Wishful01 15th Jan 20, 11:35 AM
    • 62 Posts
    • 169 Thanks
    Wishful01
    NSD 13

    Took on work on Saturday this weekend I get time and a half so thatíll be an extra 16 hours (24 normal hours pay) in this pay day itíll go straight on the debt.

    Iím so fanatical about where my money goes now more than Iíve ever been in my life. I am in the mindset of once Iíve paid an amount off thatíll never be owed ever again thatís the only way I can look at it as long as Iím paying something Iím a day closer to being debt free.

    Finally got some washing on the line the weather is really nice today after all the cold and rain, Iíve decided I wonít be getting another tumble dryer again as we have managed really well without one.

    Iíve measured the carpet up and if I put vinyl or similar on the vertical part of the stairs I can also use the carpet for the stairs and small landing at the top so now I just need carpet for the two bedrooms, I keep looking out for some eventually Iíll get it.
    Fashion world £165.82 Paid December 2019 Zinc £81.23/£71.23
    CCS £145.71/£136.00 Cabot £180.88/£170.00
    Lowell £1,044.24/£977.98 Lending stream. £1,167.00/£1,157.00
    Old rent £2,222.09 Lowell £1,319.85/£1,236.11
    CCS £2,515.95
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