mummy saving for a debt free day!

mummy2mygirls

ok so 5 DDs have come out now! so thats five lots of charges, the wages are not showing yet and there is atleast 3 other dds that should of come out but i think abbey must of declined them because of there being no money in the account - including the mortage!!! So im really upset now and could just cry!! All my hard work and now we are going to get £100s of charges all because of dhs work!! and who knows what will happen wirth the mortgae not coming out!!!! will prob show on credit history along with the bank charges!!! Dh is saying that he will tell his bosses its there mistake so they can pay fines etc - but we cant even get the money he is owed for working a sat so never going to get this from them!!!! and they cant change our credit history!!!!

ohwell will try and get some sleep now and will see what happens tomorrow!!

ragstoricheswannabe

Hiya mummy, surely you can get your dh's boss to fork out for the charges, after all its his fault that the wages were'nt cleared when they should be......... imy work did it one month and said to give them proof of charges from not having the wages on time and they would pay them for us!! print off the page when the charges have been added and give it to dh's boss. Check his contract as if it says he gets paid on a certain date or time scale his boss may well have to pay them!!!!! dont ask, dont get is my new motto!!!!!!!

Hope you managed to get some sleep mummy...........
love rags
xxxxxxxxx

mummy2mygirls

He still hasnt been paid!! HAsnt gone through yet!! But i have spoken to Abbey and it has up till 6pm for 'chaps' to clear and thats how he is paid, so its just a case of waiting all day to see!! I have sorted out all the charges etc by adding to my overdraft!! they put it up by £500 to cover the money which has been requested! They have said that the mortage hasnt been requested yet so will prob be tomorrow, so atleast we havent not paid that!!

Pain that i have had to up the overdraft to cover things but when he does get paid i can just lower it again, or might pay it of the cc as thats a higher interest......will have to have a think about that.....before LBM i would of been happy as now i have a extra money in my account which we could of just blown but not any more!!

anyway there is lots of snow which is nice, dd has still had to go to school so we walked this morning and will walk to pick her up as its horrible on the roads - ill prob skid everywhere if i drive!!

of to check online banking again....

ragstoricheswannabe

I am close to my overdraft limit too mummy so am constantly clicking on see that everything is paid!!! dont want to put my overdraft up anymore but may have too........... £3k overdraft doesnt sound good really!!!! Jan and feb are always crap months for me, just thought this time as i was watching the pennies it wouldnt be so bad........

mummy2mygirls

Just think how bad it would of been if you wasnt watching the pennies!! 3k is what i have just had to up mine too and no it doesnt sound good!!!:mad: ohwell, we WILL get there in the end, its just going to be a long journey!!!

mummy2mygirls

Still no pay but we have just got the cheque for the tax refund!!
£685!!
so thats cheered me up a bit - We should be fine when dh has time of for paternity now.... I know we should pay it of the cc but we wont be able to afford for him to have paternity leave with out it so all good!! Will also be able to put the money from not paying council tax this mth and next towards the debts now so it will help them...

ragstoricheswannabe

Yay for the cheque!!!!! just checked my bank (yet again) and nothing else has gone out and on looking at when the dd's go out i am safe till round about the 12th and i will have been paid on the 10th....... got £200 left till my fella's payday on fri so will be ok and not go over. dont think there is anything i need so will be strong and get my nsd's up!!!
I was gonna use the extra money from no council tax on my debts but should i now just leave it and use it for my overdraft??!!! decisions, decisions........

mummy2mygirls

Glad you are going to be ok with the dds coming out after you get paid!! there is always desions on what you should do for the best with paying one thing over another!! dessions dessions!! lol.
Ok so the wages are in!! :j :j

I have just worked out my soa for the mth - not going to put it all on here as bills etc are just the same so just thought i would put on the extras i need to remember:

I am going to take out of account £340 - which is for £150 to last us our weekly amounts (me £10 a wk DH £15 a wk) and £50 for extras like take aways, going out (not sure what that is lol)
£10 for DHs prescription (little less but will pop that in jar when got change)
£30 for presents (nephews bday!plus dd has a party to go to)
£150 for the rest of my food budget

Just paid £650 to abbey cc which is the £500 extra overdraft (lower interest then the cc so will be best paid of this!) and extra £150 for the cc (tax etc)

Paid £50 into tesco card for petrol for the rest of mth (get extra points if i pay by cc, so will stick to the £50)

this if worked out ok should leave me with extra in the account for PAD and maybe some left at the end of mth but wanted to keep it in just incase i need it for something that crops up!

ok so now i know whats for what

Pips_Mum

Oh dear poor mummy hope you did manage to sleep a bit. As rags says cant you get the boss to pay the charges as its all his fault? Similar happened to us and OHs company did pay a small amount to cover some of the charges.
Yay on cheque though x x x

ragstoricheswannabe

Hey mummy, hope you managed to get some sleep last night?!