My Debt Diary

southernscouser

James240 wrote:

eeeeeeerrrrrrrrr........... :think: ..........eeeeeeeeeerrrr.... :think: .....yeah.... :rotfl:

I've quoted you now and that s a legal binding document! :j :rotfl:

James240

southernscouser wrote:

I've quoted you now and that s a legal binding document! :j :rotfl:

:rotfl: might have to speak to the board guides about removing that then :whistle:

James240

managed to make me lunch again although i cant wait for tuesday next week to come round as thats when im getting paid :j my overpayments wont be as much this month (planning it out it looks like i will only be able to over pay by £150 on the 31st October) this is cos ** 1. Im overdrawn by £70, 2.ive got to start paying rent again to me mate as the 3 months that i have given him previous has run out the end of this month, and 3. I need to pay for 3 months worth of broadband because the telephone bill arrives soon.** I normally paid the broadband monthly to my mates but they were spending the money so they have asked me to pay them quartly now for that. So ive got a fair bit coming out for the month of November :rolleyes:

Verbatim

Well done on the lunches front James.

I'm checking my account with cc that I've paid off and they say it hasn't shown yet despite ny paying on the 20th. Usually it hits the next day but I always pay in good time so I just hope it hits today as the 0% ends tomorrow and altho' the new card will pay for their bit of interest they might not for the rest!

Roll on your salary on Tues!

James240

i think u should be ok in all honesty Verbatim cos ive had this problem before, cross fingers its should show up today and then they worry will be over :jan yeah roll on my wages on tuesday :rotfl: i need them im skint at the moment :rotfl:

Verbatim

Have a beer on me:beer:

James240

Verbatim wrote:

Have a beer on me:beer:

hehe will do Verbatim :beer:

James240

Roll on pay day!! ive sat at home all weekend bored lol i didnt realise that weekend TV could be so boring :rotfl:

James240

Right i get paid tommorow and this is how things play out for me this month

Wages This Month: £1125.37

Outgoings:

Rent £250

Broadband £75 (3 months worth)

Phone £43.94

Travelcard £30.80

Savings £15.00

Creditcard £109

Loan £303.71

Overdraft £88.79

Total: £911.24

Due to me being an utter plank this month and going into my overdraft by nearly £90 and having to pay 3 months worth of broadband this month, i dont have an awful lot to overpay my loan with this month.

Which is a bummer but unfortunatley something which is partly my fault for being a numbskull and going into me overdraft :rolleyes: :doh: and its something im kicking myself about right now :mad:

After all my outgoings have gone out im left with £214.13 so out of this im going to overpay my loan by a £100 and have a £114.13 to last me for the rest of the month.

In total for this month including my normal monthly payments i will aproximatley pay off £450 off my total debt should be under £9600 come the 20th November :j

Hopefully i havent bored anyone to death with my extra long explanation of whats happening with me this month

(Mr SouthernScouser we will have no cheeky comments from you! :rotfl: )

southernscouser

Dude, rather than paying off the extra £100 now and risk going into your overdraft why don't you wait until next payday and whatever is left pay that off the loan? :think:

Or will you be tempted to spend the money when it's there?