Changing for good...a new start!

Good afternoon

Another small ebay sale so another £1.60 to Sains CC, it will be gone soon Took down my old clothes that arent really ebayable today to cash for clothes - £4.40 in my pocket, better than in the bin

NSD lunch bought in and dinner from leftovers at the weekend.

Good morning, yay its friday

So bad news first - have put some xmas shopping on my CC now stands at £43. I need to get a few more pressies and some food shopping before next payday, I have £52 in budget so will prob be putting another £30 odd onto the CC

I am pleased to say that 85% of my xmas shopping was not on credit so a huge step forwards and considering I have no money for savings etc am pleased with what I have.

So CC will prob be nearer £100 by next payday

So onto good news....I have another few ebay items selling so will be a few spare pounds to the CC.

I also have been informed we are getting an Xmas bonus

Now these are rough figures but in theory I should have enough to pay the following:-

my outstanding vet bill from when hossie had colic (waiting for vet to come back to me with figure)
my car tax due end jan
car mot and service due feb (unless anything major but fingers crossed it shouldn't)
Get my Sains CC balance to 0
Hopefully £100 odd left over

With the left over money I am going to put this towards a saddle for my hoss. I havent got one as she was still growing but early next year is the right time to get her one. I do have my old saddle so with my bonus money and what I can get for the old saddle hopefully should be enough. Be good then as feel my hard earned bonus hasnt all gone to bills, something nice has come out of it

These are all in theory figures as dont have the exact bonus figure yet, as am rubbish with working out tax and NI deductions but hopefully am not too far off.

We wait and watch this space

Good morning

Cries re Sains CC - stupid car New battery and alternator, my cc now stands at £299.65 After all the hard work paying it off this year my lack of savings has put me back in debt again. I still havent had the vet bill either

I WILL pay the balance of with my Xmas bonus, my saddle has definitely gone out of the window but hey ho. I NEED/WANT to be debt free and I WILL make this happen, insert determined face.

So my Xmas bonus will be divided as follows:-

Pay my vet bill - still awaiting this
Pay my Sains CC to 0
Put money aside for car tax due end Jan
Put any left over money aside for the MOT and service in Feb

Still not sure of exact figures yet but hope have enough to cover all of the above.

There prob wont be anymore ebay sales this side of Xmas. I have some survey money outstanding so will put this straight to the Sains CC so less to pay out of my bonus.

Next year I will fully focus on my Bcard CC.

Well why this is the time for confessions I also have an overdraft It is around £700, my budget is working and this is decreasing slowly each month, if I am uber careful with budget, my main account budget is less than my pay so decreasing slowly. My charges are very minimal £5 max a month but working on getting this clear too.

One good thing, sofa payment out so now only a few pennies over £300 so that is going down too

Its all an uphill battle but I will get this all sorted somehow

Good news forgot about my expenses that will be due, not sure if I will get them paid this side of Xmas but is about £70 That can go to a debt, make up a shortfall of something so pleased with that.

MissShoes no plans for lodger until new year, need to look into other ideas. Plans this side of Xmas was to clear the house so in a half decent state if I do get a lodger and that is working so at least somewhere I am making progress