My Long and Winding Debt Journey

longforthesun

Right list for tomorrow

Take Chicken out of freezer for dinner
Wash school uniforms
Dry school uniforms
get DD & DS to tidy rooms
Clean Bathrooms
Put dry clothes away

Plenty more to be done but thats a start.

longforthesun

Thursday - Sausage Mash and Breaded Chicken and Mash
Friday - Sausage Rolls Chips and Beans
Saturday - Fish Chips Beans Breaded Chicken Had Tosties and Chippy Chips.
Sunday - Chicken Hotpot
Monday - Hamburger Chips and Toasties
Tuesday - Chicken Dippers Rice and Baked Totties.

NOt been on for a few days been busy.

Well the sun is actually shinning today so washing out another load on and planning on cleaning the bathrooms that I did not get round to the other day.

Got a few things to do round the house. OH and I are thinking of selling up some time next year. At present we have enought equity in our home to pay off our debts and still have a deposit we just don't know if we can plod on for the next however many years watching every penny. So lots of thinking for us to do but in the meantime just getting on with it. Post brought us a pile of letters yesterday. A few credit card statements and the balance has gone down on them (not by much but great to see them going down)

Well off to do more housework.

pepe2008

Well,,I think its good news?? Goldfish is now BARCLAYCARD, so possibility that £5500 could be interest free soon.

Keep up the good work.

longforthesun

NOt been on for a few days. Good news is we have some money in the bank again god that was awful the last few days with no money. OH should be paid on Monday and we arewaiting to see if his wage rise is going through this month.

Citi have now stopped charges and interest so out of 10 creditors they have all stopped interest. I think that is good going as we have only been paying reduced amounts since june. Of course this may mean that Citi are going to pass us on to a DCA but will deal with that when/if it happens.

Looking forward till tomorrow as CCCS will be making the first payments to our creditors also should get OH payslip so can start on our budget for next month.

pepe2008

I hate people who are always so ***in' positive!!
That said though, there always seems to be a little something to grab onto.

Godd to see that I'm not the only one with keyboard challenges....is the sun still 'shinning' and, pray, what is a baked tottie.....it might be Victoria Beckham, maybe not though, she looks baked but is def NOT tottie!

All seems quiet on the debt frront, thanks CCCS, just waiting to hear something about the Barclaycard/ Goldfish thing.

longforthesun

Pepe2008 you do make me laugh. A baked tottie is just a baked potatoe nothing more exciting. The sun did shine a wee bit today but not much.

longforthesun

:jOH pay increase has gone through. So going to sit and work out our budget for this month and going to stick to it no matter what.

Going to meal plan for the month and then do a big online shop to be delivered next tuesday. Got the heating on as though its dry it is very cold outside. Afraid i did not manage 10 NSD this month more like 5 or 6 but if I carefully plan out this month then will hope to have at least 10 in October.

I might even spend £1 on a lucky dip for the lotto tonight I sure could do with a share of that jackpot!

longforthesun

Well not done anything today except I treated myself to a face mask earlier on today so sat on my bed with it on and cucumbers on my eyes then washed it all off (after DS laughed at me) then fell asleep as kids watched a DVD so got lots to do now. Just off to put on 2 SP pizzas and some chips for dinner. Going to start my meal plan from tuesday wich is when i will get my shopping delivered so it will be make do dinners from the freezer and fridge for the next few days.

longforthesun

Not long up we had a night out last night but the good news is we budgeted for £50 and only spent £16 :j and £7 of that was gettng some food on the way home.

So plan for today is to put a washing on and do an online shop.

longforthesun

I am sitting here wearing my dressing gown. I am sooo cold today kids are fine so i am not putting the heating on until they say they are cold. I have had a hot bowl of soup for lunch so that has helped.

It is horrible here today it is windy, wet and very dark. OH has a day off tomorrow so we have decided to go to the shops instead of getting it delivered in the hope we may be able to get some reduced items. I have put on a few washings today but admit I have used the tumble dryer to get items dry. Going to plan a weeks worth of meals thinking of lots of meals for my slow cooker.

On the money side OH got paid today :j :j Officially he should get paid on the last day of the month but it is always a day earlier, just as well really we had 4 DD's out today and we only had about £80 in the bank.