Hello! Newbie!

determinedtodothis

I don't know i think off the abbey one is best as that the mortgage arrears!

I have been invited for dinner friday, saturday and sunday so a cheap weekend for me!

I rang Paragon and they said they have sent out all the information i am waiting for so we shall see...

natsplatnat

Time for another weekly budget tomorrow! I'll be sitting down tonight to do mine and will be updating on here tomorrow (morning hopefully!)

BONUS!! On the complaint money - I think more people should complain!!

Have a great day DTDT!!!

Nats x

LittleEmms

Definitely the mortgage arrears - they're the most important (or so I read!!)

Yay to the cheap weekend. I'm the one cooking this weekend, so not so cheap for me - but I'm doing cheap(ish) dinners!!

I wait with you on tenterhooks to hear about Paragon.... :rolleyes:

determinedtodothis

Thanks guys - i think they are stalling so the baliff can come round and actually visit the property! *LOL* I did get a letter today saying that the Interest is dropping by 1% starting Feb but i don't know what that means for my payments really - maths is not a strong point!

Well i've just done my sums for the next two weeks because of the cut in salary (still waiting for a start date for new job!) i have the following to live on for the next 13 days :eek: not sure if i can do it!

£33 from salary
£5 boots advantage points
£7.00 scratchcards (well £5 coz you have to leave money in there)
£50 in the piggy bank

Sum of £93.00...my rail is £104 for the next 10 days *GULP* i need cat food, food shopping and petrol

all because blooming loan comes out same week as mortgage this month rather than staggered

justruth

Have you already paid that £150 off a debt? Might be easier to use it on the rail travel (or just some of it) rather than pay it off debt, then have to use CC again.

determinedtodothis

well i've had a bit of a touch..

I got my cheque through from BT and i won £10 on the lottery

So the rail is paid for, I went to Iceland Saturday and got 2 weeks shopping for £23! brilliant, mostly frozen but i did get their veg stew packs and have enought to make at least 20 portions of stew! yum! so i went to the 99p shop and got 10 microwaveable, freezable plastic containers to store it in and as we speak its bubbling away in my slow cooker...

Leaves me £75 or £37.50 a week phew!

determinedtodothis

Friday
NSD Done
Do Fly lady Done
Do clicks Done


Saturday
Do fly lady Done
Go food Shopping £25 Done
Dinner with friends - take wine £5 Done
Do clicks Done

Sunday
Fly Lady Done
Do Clicks Done
Go to dancing £5 Done

Monday
Fly Lady Done
Make stew Done
Do Clicks Done
NSD Done

Tuesday
Fly Lady Done
Do Clicks Done
Dancing - £5 Done

Wednesday
Flylady
Do Clicks Done
NSD

Thursday
Fly Lady
Go Dancing


WEEKS CHALLENGES:
1) 3 no spend days...well will give it a go!
2) Speak to Cahoot RE: SOA
3) Decided what to do about CCA - got a letter back after sending original and second 12 + 2 and again wrongly address, my name is wrong and its says they have requested the CCA and my account is being looked into - Officially i wont have got that letter because i don't live at the address and i'm fed up of telling them. I think i may continue as if i haven't recieved it. i clearly states in my letter that i have asked them to update their records 5 times and the new address is plain for all to see.

LittleEmms

All sounds fab DTDT!! Well done on the stew & definitely on the microwaveable containers - I must get some of them!! We have a £1 shop in town - I may try there!!! I must get those vegetable stew packs too!!!

good to hear you are doing well still

determinedtodothis

I won the lottery again! thats twice this week and £15! Thats really cheered me up i was having a downer, my money is so tight at the moment because they dropped my rate again so i can't really make any head way with the debts, i'm just making sure that all my bills are paid on time.

I'm hoping to pay £297.27 off the abbey next week so i'm focusing on that.. January seems to be going on forever, I'm hoping to start my new job soon too all the messing around is really getting me down.

justruth

You won the lotto twice! Check you! See at least one of us is winning, makes me feel a bit better!