My Debt Diary

James240

had a bit of luck this month, this is my last month for my payment on MBNA for the balance being on 1.9% so my minimum payment is only £10.52 (or there abouts)The bad news is that part of my bodykit on my car has fallen off and i need to get it fixed now :doh: Where me mum has moved to the coast im doing more motorway miles and i cant have bodykit flapping and falling off on the motorway :rolleyes:So thats going to be another £150-£200 ive got to spend now :doh:Just when i thought i could score in with some more over payments :rolleyes:

James240

GRRRRRRRR!!!! :mad:looks like ive under estimated my debt free date was just re-working all my figures and it looks more like Feb 2008 I seriously need to start earning more money cos i cant wait that long to be debt free.........:(Plus im £120 over drawn again :rolleyes: someone give me a bit of a kicking please.....:(

James240

Ok got my wage slip today and ive been paid £1225 will post all my incomings and outgoings up when i get back to my place, cos i got to work out all the payments on me credit cards Hope every one is well

**purpleprincess**

Hey you!!! Sounds like it's going ok! Well done!! Know what you mean about the DFD though, want it to come round sooner rather than later!! Hope you're well hun xx

southernscouser

James240 wrote:

Ok got my wage slip today and ive been paid £1225 will post all my incomings and outgoings up when i get back to my place, cos i got to work out all the payments on me credit cards Hope every one is well

Couldn't lend us a score could you mate? :rotfl:

James240

**purpleprincess** wrote:

Hey you!!! Sounds like it's going ok! Well done!! Know what you mean about the DFD though, want it to come round sooner rather than later!! Hope you're well hun xx

Thanks PurplePrincess

Finally i have managed to get the money my mum owes me and the money my brother owes me :j my mum has transfered £1550 into my account (money she owes me and the money my brother owes me) so im going to pay off £1372 of my credit card with Egg once the money hits my current account.

Below is how my finances have played out this month.......

Ive been paid £1225 this month cos i had a little bit of overtime in with me wages

RENT £250.00

BROADBAND £25.00

PHONE £50.00

TRAVEL CARD £30.80

SAVINGS £10.00

CREDIT CARD £44.00

LOAN £303.71

O/DRAFT £155.95

TOTAL £869.46

Phone bill is again high cos ive had to phone my mum loads and ive used up all me free minures :rolleyes: cross fingers i can get this back to normal next month.

Overdraft again has taken a bit of a hammering due to me being extremly lax over my control of my money this month as well so i need to keep my budget in check this month. (looks like ive got to streak round MSE towers SS and have the date with MS_London :rolleyes: :rotfl: )

So ive got £355 left out of me wages plus £178 left out of the money from which my mum has now paid me. so a grand total of £533.

Ive got to pay £65 to me mates girlfriend cos we are all going on holiday at the begining of September and that will cover the cost of the travel. My spending money is going to be taken out of Augusts pay packet so if i do a fair bit of overtime in July i will be able to have some spending money for me holiday

Plus ive got me £100 budget for the rest of the month.

So in real terms i have £368 of spare money. So with this money i think i will overpay my loan and get this down more

Just need to stick to my budget this month and i should be ok

James240

ok just paid off the £1370 off me Egg card so i will update me sig once that comes off, also written out a cheque for an over payment on my loan for £300 im going to use the odd £68 out of the money that i have left to use for petrol money in going down to me mums at the weekend will update me signature once the payments have gone through

snoozer

You must be really chuffed that things are going so well. I'm really glad that you got the money back off your mum and brother - things like that can be a bit sticky sometimes.

bethom

James240 wrote:

ok just paid off the £1370 off me Egg card so i will update me sig once that comes off, also written out a cheque for an over payment on my loan for £300 im going to use the odd £68 out of the money that i have left to use for petrol money in going down to me mums at the weekend will update me signature once the payments have gone through

Well done Jamesy!! Just hang in there and those debt's will soon come down!!

Bet you feel better with that large amount coming off your egg card!!

:j:j

CosmoCat

oooh i'm jealous, but very very happy for you, having such a nice sum to take off your egg card. you're doing so well.

well done:T