arghh!!! sillybillyme - my (hopefully) debt free diary

sillybillyme

right i have put my cc totals onto my sig, didnt think there was much point adding on my loans as i cant overpay on them :rolleyes:

im going to start a payment a day too and see how that works out. went shopping yesterday and spent £56.13 a bit more then i wanted to but i will try and do better!!!

Anyway on the debt busting front i have paid £79.50 off our "family Loan" so thats another month closer to being gone

i WILL pay off more then the minimum amounts on all CCs this month as i want to start seeing some progress now i have updated my sig.

better go and put paper work away before i go and pick my eldest up from school.

xxx

sillybillyme

have not been on for a while as internet was playing up but all sorted now!! :j

right then today i have

• paid £30 to choice catalogue
• paid £50 to asda credit card
• paid £30 to hsbc credit card

all the payments were above the minimum payment but i will continueto top the payments up before they are due again. really must join the pad thread today so i can add todays payments on to it.
i will update my sig when all the payments have been credited.
xxxx

MinkyBoo

Hi Sillybillyme, I've just read through your diary. I'd definitely get a claim in for child tax credits as soon as possible, I realise it would be a bit scary especially after them overpaying you, but I bet there's loads of really helpful people over on the benefits and tax credits board. Even if you got the minumum of £10 ish a week, that wouldn't be far off covering what you have to pay them back monthly.
Minky x

LittleEmms

Well done on your payments and being above minimum!! Definitely get going on your claim!

sillybillyme

hi all and thanks for your replies. i have phoned ctc and they are going to send me out a new claim pack so i will fill that out when i recieve it.

i have started the PAD now so i will just update my sig when i get my statements through every month as i think i will lose track otherwise!!!

im going to start monthly goals and as there is only a few weeks left in june i will start with what i want to have acheived by the end of July (i hope thats not cheating!!!! :rolleyes: )

so my goals for the end of july are:

• HSBC credit card below £200
• capital one credit below £200
• clear choice catalogue

a bit of work to do but i will try my best!!! :j

xxxx

sillybillyme

I paid off another £20 of my debts on saturday, so i have just got to catch up on my pad for yestaerday and today so i will check my bank and see what i can afford to pay towards debt at the mo.

trying not to spend any money today so going to stay in and catch up on cleaning and washing!!! :rolleyes:

xxxxx

sillybillyme

i have gone back to lurking and not posting again so need to sort it out.

i will have to update my sig tonight as i have not got a clue how much i have paid since last time i was on here!!! :rolleyes:

still trying not to spend any money and oh is trying to get private work at least once a week so that is helping alot

trying to think of cheap things to do with my boys as school finishes on wednesday and i dont want them to be stuck in for the six weeks becuse we have got ourselves into debt as it is not fair.

will be back to update sigs later.

xxxx