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    • Blackberrycurved
    • By Blackberrycurved 24th Dec 19, 9:37 AM
    • 180Posts
    • 1,003Thanks
    Fighting debt alone- the sword is out
    • #1
    • 24th Dec 19, 9:37 AM
    Fighting debt alone- the sword is out 24th Dec 19 at 9:37 AM
    Hello first day new diary new thread. Itís Christmas Eve and for the first time ever my debts, my income and life is scaring me. Iíve been on here doing some of the challenges for a while. Iíve spent most of my adult life being okay not well off but okay. Thereís always been good food in, bills paid, money for nights out the usual things but Iíve never had loads of money and I guess never enough to build up a safety blanket. Iím a tutor/ writer and my partner was an actor. He died in 2015 and things have got worse after losing his income. I donít seem to have lots of energy but Iím not sure if thatís the money issues or just me in general but today I have to seriously start doing something or I will drown. At a guess Iíd say 20k in debt. Iíll do my figures today I hope people can help me that someone who has been here can inspire me to get out of this hole. Thanks in advance
    DF by 2020 No 17 £449 /£15,599 No 8 £9.97/ 365 Penny Challenge
Page 2
    • doingitanyway
    • By doingitanyway 13th Jan 20, 4:03 PM
    • 5,043 Posts
    • 32,119 Thanks
    Goodluck with tackling your OD. Seems like a sensible step to take given the increases.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
    • Blackberrycurved
    • By Blackberrycurved 15th Jan 20, 9:01 AM
    • 180 Posts
    • 1,003 Thanks
    I'm taking my lunches to work and that's working out but I still can't seem to do without my morning coffee £2.55. I'll work on it.
    I have £271 towards £1700 overdraft. I will remove it from my account when I've paid it off or if that is too scary reduce it to £800. Decluttered one room totally omg what a difference and I want to work in there all the time. I am going to tackle my office technically the morning room on Thursday night. I have stuff I can e bay but maybe only for buttons and I don't feel mentally up to photographing writing the blurb and listing everything, the buttons add up but I can do an extra shift in that time. Giving myself one last week to use the council gym and if I don't I'll cancel next week I will need to replace it with something though for sanity and health. My mum has dementia so it keeps me sane I think maybe the debts have built up as I'm trying to escape the grief at home and the caring situation. Thank you for the support.
    DF by 2020 No 17 £449 /£15,599 No 8 £9.97/ 365 Penny Challenge
    • doingitanyway
    • By doingitanyway 15th Jan 20, 3:52 PM
    • 5,043 Posts
    • 32,119 Thanks
    May I ask where you have your morning coffee?

    I found mine hard to stop when I worked in the city so I compromised. I took my own coffee cup (the planet thanked me) and got a 50% reduction or a double stamp. Pr3t is the cheapest as I got a filter coffee so it cost me 49p a day instead.

    Well done on the room being decluttered
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
    • newlywed
    • By newlywed 15th Jan 20, 10:42 PM
    • 7,517 Posts
    • 24,818 Thanks
    I have a leakproof travel mug and so now make my own filter coffee to take on the bus to work. Expensive brand coffee is £5 a bag and lasts me about 2 weeks (and I make it quite strong) but usually only have 1 a day
    Last edited by newlywed; 15-01-2020 at 10:52 PM.
    working on clearing the clutter
    • Blackberrycurved
    • By Blackberrycurved 16th Jan 20, 12:37 PM
    • 180 Posts
    • 1,003 Thanks
    Gosh coffee it is my nightmare spend. I spent years and would never have gone to coffee but now it seems like my one luxury. I go to Neros and sit in a big leather chair listen to classical music and wake up it opens at 7am. I'm a freelancer so I am up and down from place to place and I can get through the day without another as i don't have a kettle anywhere. I'm not sure about the saving on my own cup but it is a thought. I stopped buying bags of filter because I was drinking too much at home but yes it was cheaper. I mostly have a flat white or latte Neros don't do filter.

    other than coffee this week is going okay. i made a big sweet potato curry on Monday and I've had variations of it all week. I've got extra work rubbish pay but just thinking about the money and paying the debts off. My only spends have been on bills and food so I can't do better. Tonight I have to do my accounts instead of decluttering which I hate so no spending tonight. Tomorrow, I'm going to a free class then to friends so no money spent again. Saturday I am decluttering again. I'm feeling really tired all the time but I think maybe the stress of debts and money does that.
    DF by 2020 No 17 £449 /£15,599 No 8 £9.97/ 365 Penny Challenge
    • newlywed
    • By newlywed 16th Jan 20, 8:13 PM
    • 7,517 Posts
    • 24,818 Thanks
    If that is your one luxury that keeps you sane then just budget for it....

    If I have an afternoon off sometimes I take a bus to a small town (live and work in a city) and then sit in a coffee shop watching the world go by. So I totally get it!
    working on clearing the clutter
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Jan 20, 8:18 PM
    • 16,082 Posts
    • 56,482 Thanks
    Also, don't underestimate how exhausting decluttering is, all the decision making at once is tiring.

    And I would stick to the coffee, we all have something. I seem to have had a lot of things..

    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • Blackberrycurved
    • By Blackberrycurved 17th Jan 20, 12:15 AM
    • 180 Posts
    • 1,003 Thanks
    One luxury yes but £50 a month I’m thinking about it. I can’t sleep again really really tired but I can’t sleep
    DF by 2020 No 17 £449 /£15,599 No 8 £9.97/ 365 Penny Challenge
    • stressed.mum
    • By stressed.mum 17th Jan 20, 5:14 PM
    • 730 Posts
    • 3,296 Thanks
    Hi Blackberrycurved
    Do you have the Nero app on your phone? I think if you use a reusable cup you get an extra stamp, there are also often bonus stamps so you may find you get a free coffee regularly. 9 stamps and the next drink is free. They have a referral which I can send you if you want which will give you a free drink when you buy your first one.

    Stressed xx
    Hoping to stick to the challenge this year!!
    Make £5 a day for 366 started Dec 2019
    YTD £ £ 78.23/£1£1,825
    Cash - £ 48.23 Vouchers - £ 30

    Wombling into 2020 £38.78
    • savingholmes
    • By savingholmes 17th Jan 20, 10:30 PM
    • 10,256 Posts
    • 21,432 Thanks
    Just popping along to wish you good luck on your journey. Sounds like you are taking positive steps. 10 weeks of firm work sounds positive. Decluttering is good too - I need to get back to doing mine more regularly so relate...
    During 2020: Target 1) £25,121 to be repaid in 2020 (0%) Now down to £24,703 Target 2) repay £1450 off (OP £102.51) mortgage now 144872 @1.7% Target 3) Set up SIPPs Target 4) Declutter 52 bags - now done 4/52
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 18th Jan 20, 8:23 AM
    • 562 Posts
    • 2,492 Thanks
    Delurking to ask if youíve thought about asking for a Nero gift card for birthdays/Christmas?

    I have one for another chain and it really helped me stop feeling guilty when I bought a coffee whilst debt-busting. People donít tend to buy me gift cards any longer but will give me a £5, £10 etc specifically to top up my coffee fund I have it as an app on my phone, itís very easy.
    Iím a less frequent coffee buyer than you (no judgment, you freelancers need an outlet!) so this might not work out as too much of a saving for you, but might assuage some of the guilt?
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0
    Look at you, reading all the small print in the signatures. Your hair is looking lovely today, have you had it cut? Suits you.
    • Blackberrycurved
    • By Blackberrycurved 19th Jan 20, 4:17 PM
    • 180 Posts
    • 1,003 Thanks
    Thank you lovely people i've been megga blessed this weekend. I downloaded the Nero app and I had cards withstamps on them whichthey all transferred so I have at least coffee for 3 days free. My daughter saw a coffee maker in Oxfam for £19 which she bought for me, no box or instructions but it was very easy and my friend bought me 3 boxes of coffee capsules each with 16 in the box, they were on offer 3 for £9. I found a travel mug for £2 in the sale not sure if it leaks yet and I'm going to make a coffee before I leave and take it with me on some that's me done for 2 or so months.
    I'm decluttering but everywhere looks worse than when I started although I am starting to feel better as stuff is getting put in bin bags and moved outside. Sleeping is still a problem but I got up and planned my meals for the whole week instead of just planning in my head and then buying the stuff and being too tired to cook it. I literally labelled 12 plastic boxes with days and put the ingredients into each one in the fridge - no thinking. I made a massive saucepan of vegetable mash and a massive saucepan of couscous so open the box cook add mash or couscous and I cut up a box of salad for snacking. I've put up 6 packed lunches fingers crossed it works or I don't get bored.
    my next cutting costs after coffee is cat litter.
    Cat litter is on my list this week I spend more on cat litter than I do on food. Any ideas?
    DF by 2020 No 17 £449 /£15,599 No 8 £9.97/ 365 Penny Challenge
    • beanielou
    • By beanielou 19th Jan 20, 6:41 PM
    • 68,467 Posts
    • 312,831 Thanks
    More on cat litter than on food
    Take it that you have a few cats?
    I used wood litter when one of my cats would not go outside & used to get really big bags delivered by the local cat rescue which was reasonably priced.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
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