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well what a rubbish end to the week!
not only are we now £200 less off a month after we now dont get tax credits anymore....BUT i have just had to pay £200 for the car to be serviced! gggrrrrr. thats my debt busting well and truly shattered for this month. Have the car tax due the end of the month aswell!!
So all in all im feeling a little down about everything today. I am trying my best to tell myself that i have down so godd already anyway but i really wanted to keep the pace up!! And it looks like im going to have to face up to the fact that for this month at least i wont be able to! im hoping i will still make some payments...just not as much as i planned.
ah well.
off to sulk with a cup of tea now.
x0 -
Hi, sorry to hear you are feeling down today, that is a pain about your car. I've just had my car tax renewal reminder 118.25 for 6 months or £215.00 for 12 months.
How annoying that you don't get tax credits anymore, I only get £41.46 which isn't a lot really but I suppose every bit helps.
TMDSealed Pot Challenge #0160 -
hi sorry not been posting or reading on ur diary for a bit as been bit preoccupied with doom and gloom with my situation.
sorry to hear about car expenses. cars are pains!
hope you can get back on track soon
xHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Evening all.
just a quickie for me before i head to the bath.
have managed to do some good today :- £3 to the sealed pot..which means i have £72.50 locked away in there now!! also paid £10 into the lloyds savings account. Savings fell today though with having to pay for the car...but i guess the positive out of it is the fact that before .. we would have just put the car payment on a cc, whereas we actually had spare savings to pay for it this time :T. I think this is a good thing!!
Also had a nice suprise from lloyds....was dreading them taking our O.d facility off us in august as it was up for review....but the letter that arrived today says its now up for review august 2010....so yay!! thats a weight off my shoulders.
Have listed 5 items on ebay tonight aswell!! So after a crappy first part to the day...im taking steps to improve it. Going to definitely get round to listing more things tomorrow!! I will make more money!!
oooo also added some more to my xmas collection today!! bargains again.....smellies for the ladies of the family! So have now bought for 7 out of 27 people!!
Right enough of me babbling on!!
Im off for a bath, a nice sleep and am going to wake up tomorrow with a fresh head!!
Thanks for the replies...they are appreciated!!
x0 -
well...no updates for me over the last 4 days so thought i would log on for a ramble!!
Not much been happening on the debt front!! Had the car serviced on friday which was £200...then had a family meal at the weekend and now looking to the end of the month when car tax and insurance is due!! oh it never ends does it!! So havent really been paying off debts as i know we will need our money!!
Have also reduced my sig to LBM debt ....and debt as of now.....it was getting too much for me to update the other little bits.
I am also going to chill out on the debt payments...think i was getting a little obsessive....am going to sit down today and do a new SOA....this time without the £200+ chil tax credits that we now dont qualify for. Then i can get a better picture of everything.
Think my plan of attack is also to switch some of the CC's balances to other cards. I think reducing the actual number of CC's we have will make me feel better and also i wont have soooo many payments to make. Just need to look at interest rates again first and decide which to transfer.
Also i little more about me.....im getting married the end of this year :T so i need to take into account money that we still need for this too! I am proud to say that none of it has gone on CC's...so my wedding is real money! yay.
have sold a few more things on ebay and have 10 items listed so hopefully that will be more pennies for me for next week. Also sold another book on green met!!
I have opened another savings account so i am going to put all ebay sales and green met stuff into that until in builds up into a nice lump sum.
well thats it from me really. Looking for some motivation today as the car service, tax, and insurance dented my dfw attitude big style!!
hopee everyone is keeping well.
x0 -
well made some payments:- yey!!! :j
£5.10 goes to lloyds
£3.56 goes to hsbc
yey!! back on the bus!!
x0 -
Hi debt.b.gone!
I've been reading your diary with interest and have now subscribed to see how you get on!
You've inspired me to take control of my own debts and start my own diary to keep myself motivated.
Keep up the good work, you're doing amazingly well! xMortgage when started (Dec 2013): £157,272.50
Current mortgage (date): £156,885.56
Mortgage free day: Dec 20430 -
spykey_uk - thanks for the reply....its nice to know people are reading and starting their own diary!
just a small payment today for me £2.00 to hsbc cc.
may make some more later. Up early this morning as my bed was taking over by little one and dog!! ggggrrrr - just been in their now and they are like royalty spread out with OH hanging off the edge!! :rotfl:
Another plus.... my weight loss if now 4.75lbs so far this month!! Yey. :T Just another 5.25lbs to go in order to get to my July goal of 10lbs!!
Anyway...best go get washed and dressed before the rabble wake!!
have a super day all.
x0 -
ooo result....just been onto online banking....and lloyds are offering us 6 months interest free on balance tranfers made online!! yey!! awesome awesome.
have just sorted mine out...will look to see which is best to transfer onto OH's card.
x0 -
Hi there!
You seem to be making great progress, despite the car issues - so annoying!! I'll be having a proper catch up on your diary when finished work for some more motivation :-) xx0
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