SS's Debt Diary!

southernscouser

Well I spent £64.59 today!

£14.99 on me broadband! And £48.60 on my fishing permit which lasts me to March next year! :j

southernscouser

Realised I forgot to do my monthly roundup! More for my own satisfaction as I knowq no-one really cares! :rotfl:

Debt at highest:

22nd September 2005

Egg (Limit - £8,600) = £2,933.02
Capital One (Limit - £10,300) = £8,093.97
Morgan Stanley (Limit - £2,700) 5.9% = £2,484.27
Tesco (Limit - £4,100) 7.9% = £2,899.54
Tesco Loan 6.7% = £17,857.20

Total: = £34,268.00

Debt now:

6th July 2006

Egg (Limit - £500) = £0
Capital One (Limit - £6,000) = £5,821.50
Morgan Stanley (Limit - £2,300) 5.9% = £2,116.83
HSBC (Limit £2,250) 0% - 14th December ‘06 – 14.9% = £2,055.00
American Express (Limit £2,900) 4.9% = £2,880.70
Tesco Loan 6.7% = £15,178.62

Total: = £28,052.65

Also managed to reduce my overdraft but not by much! It's worrying me really as it's far too much and I'm worried that everything I get back from my bank in unfair charges is gonna get swallowed up rather than going towards my debt.

Next month I've got to get the car MOT'd. And I always get it serviced! Not sure whether to this year or not though!

Also I've noticed a leak and think it's the air conditioning! God knows how much that is going to cost to fix. But, I'm gonna kick up a fuss coz I paid Ford to look at it last year coz it wasn't cold enough and they said it was fine. Clearly it isn't! Also last year I paid £60 to get the hose re-attached to one of the fan vents! It's bloody come loose again. In fact it's been like that ages! :mad:

Then in September I've got to pay for insurance and road tax. None of this has been budgeted for but in October I get about a £500 bonus which I'm using to pay for that!

Really need to get back on the straight and narrow. Been saying it for ages but this is the month I'm gonna do it!

All I need to do now is think of a name for this post and we could publish it as a book! :rotfl:

If you've actually read all the way to here I suggest you seek professional help! :beer:

jessicamb

Of course we care! Well done you - now go sell a kidney or something on ebay and pay off the 52 quid so you are sub 28k

southernscouser

jessicamb wrote:

Of course we care! Well done you - now go sell a kidney or something on ebay and pay off the 52 quid so you are sub 28k

Would I get as much as £52? :think: :rolleyes:

bethom

I am pretty sure air con does that anyway ss, I have seen a few cars that do that with air con. We have to also empty our air con at home from excess water.

I could be wrong tho as I ain't a mechanic

Oh and I need professional help :rotfl:

iwanttosave_2

southernscouser wrote:

Also I've noticed a leak and think it's the air conditioning! God knows how much that is going to cost to fix. But, I'm gonna kick up a fuss coz I paid Ford to look at it last year coz it wasn't cold enough and they said it was fine. Clearly it isn't! Also last year I paid £60 to get the hose re-attached to one of the fan vents! It's bloody come loose again. In fact it's been like that ages! :mad:

I thought you were a money saver :eek:


Air con pushes up your fuel consumption On your car you should be getting about 35 MPG minimum but you will be losing some on the aircon.

Just open your window and stick your head out of it like your dog :beer: Not only do you save money on fuel but you also get that "messy" hair look with no outlay for hair gel :money:

southernscouser

iwanttosave wrote:

I thought you were a money saver :eek:


Air con pushes up your fuel consumption On your car you should be getting about 35 MPG minimum but you will be losing some on the aircon.

Just open your window and stick your head out of it like your dog :beer: Not only do you save money on fuel but you also get that "messy" hair look with no outlay for hair gel :money:

But then the wind resistance slows the car down which in turn uses more fuel! :think:

And I don't even know whats in a gallon so I couldn't tell you! :rotfl:

James240

hey SS going great guns mate, but as wanty says if ur using Air con u are using more petrol mate open ya window and sunroof ya lazy git :rotfl:

iwanttosave_2

southernscouser wrote:

But then the wind resistance slows the car down which in turn uses more fuel! :think:

And I don't even know whats in a gallon so I couldn't tell you! :rotfl:

Not as much as the air con does Do it, do it, do it (and get a pic of your mug while your doing it )


Oh and its generally liquid thats in a gallon

iwanttosave_2

James240 wrote:

hey SS going great guns mate, but as wanty says if ur using Air con u are using more petrol mate open ya window and sunroof ya lazy git :rotfl:

Thats it James, you tell him


We can tag team on him :dance: