In the Lowest Hour

moneyonmymindsam · 22 November 2015 at 11:29PM

its been a rough time of late so I am going to sort it :-)

I am always under pressure due to work so I 'm going to change that!!

Friday this week I am hoping to be off :-P is good to have something to loo forward too ..

Work out all remaining holidays and take like some time off so I have four weeks to go of work then a lovely long xmas

I am feeling pressure a little of xmas costs... but will just deal with that when I get there

I have decided to keep the Bcard debt as if the bottom feel out of my world in terms of work I am sure I could muster up the £20 repayment ?

So the other debts need to be reprioritised ..November pay day is looming - another positive .. 5 days to go ..yippee

Taking off the Bcard debt £890 off ..it might be doable to get the rest down

moneyonmymindsam · 22 November 2015 at 11:46PM

Bcard 890
C1 105
Loan 600
Very 1125
Now £2,720 - 890 leaves £1830 to be paid off I will sort of turn a blind eye to the other amount.

£610 for 3 months mean's it would be gone ..So end of January is doable if I just keep the one card active with a sensible limit on it .

I have unexpected costs for the funeral this month, so I have to allow for that and then next month is xmas (although I do have most of the pressies)

I am starting to think about changing my life completely

but can't really do that until the best is gone so that is another motivator to get shot.

I potentially Need two storage boxes from Argos this month and a new lamp the old one is dodgy ..not good.

Am still ruthlessly cutting down the clutter so doing well on that front .

Managed to eat out of the cupboards quite a bit so all good on that front.
Tomorrow I make work lists sadly I think I have an awful lot to do ..lol
:-)

moneyonmymindsam · 24 November 2015 at 1:45AM

I'm up late again - Stressing about debt

I am quite lucky in many ways so am grateful for that .

I do have some remaining things to sell - I need to buy the kettle (!) and the lamp and I will think about the storage boxes .

I am thinking quite bit how much stuff do I actually need?? and the answer is minimal . I was sort of thinking if I moved what would I take with me and if I wouldn't take it then I am going to sell it..lol .

Shoes and boots are going to be the next thing on the list I think as I am keen to get this debt down.

I will keep the daily essentials and a couple of pairs of shoes - if all else fails I will wear wellies :P tis certainly the weather at the moment!

Looking back I have done very well with the selling. Brought myself a blanket scarf probably to take away the blues but also because it has been cold. It was £3.50 so didn't break the bank.

Continuing to eat from the cupboards / mini freezer until payday so from tomorrow ( today as its past midnight ) will have to start getting inventive here .

Bit scared of paying off so much debt this month due to xmas and don't want to be left short on what should be a fun time of year.

Doubt I will get much more money from the last of the stuff so need to evaluate if worth going to all that effort.

moneyonmymindsam · 24 November 2015 at 1:46AM

3 days and on the 4th it's pay day

Verbatim · 24 November 2015 at 8:36AM

Your debt is not huge and is decreasing. You're doing very well. You don't have to clear it NOW! Selling stuff will get difficult now due to postage problems with the Xmas period. You could hang on to shoes and boots and concentrate on not buying more as unless they're brand new I doubt you'd get much and they no doubt cost you a lot. It would be false economy if you then had to buy more when yours started to fall apart!
Try and get to bed at a good hour and sleep. I remember worrying about money all the time and I developed heart issues. Might have happened anyway I realize but I persisted in plotting away every last penny, worrying away despite feeling pain in my chest when I did.
So take care of your health and take it steadily. If it takes an extra 2 months or so does it matter that much? Enjoy Xmas with your .5. And get a good night's sleep tonight.
V

abba1772 · 24 November 2015 at 9:52AM

You need to have a life hunni your debt is going down I know not fast enough but like you said Xmas is coming up which should be fun so please try and relax regarding your debt free dat, it's nearly there but what's a couple of months if you're having a life xx

moneyonmymindsam · 24 November 2015 at 9:04PM

Thank you

I will pay off the loan and the cc I 've built back up again

when I get paid

monz · 25 November 2015 at 12:38PM

Tomorrow

woo xx

moneyonmymindsam · 25 November 2015 at 11:28PM

monz wrote: »

Tomorrow woo xx

Friday for me ...:rotfl::beer::j

moneyonmymindsam · 26 November 2015 at 12:04AM

:T:j:T:j:T:j:T:j:T :beer:

Just did a basic budget - have upped groceries to include cleaning and treats

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1

Monthly Income Details[/b]
Monthly income after tax................ 1905

Total monthly income.................... 1905[/b]
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Management charge (leasehold property).. 0
Council tax............................. 63
Electricity............................. 25
Gas..................................... 15
Groceries etc. ......................... 140
Clothing................................ 10
Other travel............................ 35
Presents (birthday, christmas etc)...... 30
Haircuts................................ 2
Entertainment........................... 40
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 810

Assets

Total Assets............................ 0 ( jar of coppers not classed as asset

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Loan...........................600.......189.......0
CC1............................170.......9.........0
BC1............................890.......22........0
Very...........................1125......80........0
Total unsecured debts..........2785......300.......-

Monthly Budget Summary
Total monthly income.................... 1,905
Expenses (including HP & secured debts). 810
Available for debt repayments........... 1,095
Monthly UNsecured debt repayments....... 300
Amount left after debt repayments....... 795
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -2,785
Net Assets.............................. -2,785
.

In the Lowest Hour

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