November.2015.here.we.come

mum2one

been a quiet day, bailey still wont let the toy out of his sight, enjoying the chilling before all fun + games start, it all re-starts again jan the court saga.

mum2one

Have been very good and not been to the sales, have looked on-line but again been good, bar did spend £130 of dads money, the tumble drier decided to pack up, so Argos to the rescue...

Have been very good and sorted out the rest of end dec/early Jans payments, paid £170 off debts.

Have been doing little organised jobs, did the bday and xmas lists yesterday, then today went through the overbuys from last yr, and there was about 4 presents we couldn't use, bubble-bath sets, only got shower.

23 birthdays - covered 13 fully sorted, 3 half done, and 4 needing presents, then 3 x£10 presents, so very plzed with that.

Even got some christmas presents alocated! xx

mum2one

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
£7602
paid off debts in 2011.......... xx

mum2one

Popped them in by name (remind me getting somewhere)
Even thou Ill be paying as much as possbile throu the year, some will have that wonderful word interest! on it, different rates, but repayment covers more than interest.

1. Aqua CC - repayment plan = £2386.
2. Halifax CC - repayment plan = ££2686.
3. Halifax Loan - repayment plan = £9000
4. Halifax OD - paying £31 per month for that =£1630
5. Vanquis CC - repayment plan - £2200
6. Capital One CC - normal payments = £635.00
7. Argos Store Card - repayment plan (till Feb, then be normal) £380.00
8. Evans Store Card - normal payments £1020.00
9. Studio - normal repayments - £395.00
10. Barclaycard - repayment plan = ££2696.00
11. Littlewoods - (£550 of that due buy now pay Nov, rest normal paln - normal payments)£622.00
12. Dad Visa What I can, when I can, - £2450
13. Ousba (1) - normal payment£45
14. Ousba (2) - normal payment £200
15. Argos (mums account) Camera - £140

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£26479 (I thought it was about 15k, wouldn't mind but theres so much of that has been interest, its unbelievable), but I'm on the right track.

Wack of personal debt - repay savings etc... long way off. x

taxi73

you're very organised all that stuff sorted already

mum2one

Thank you, just know that Jan is going to be a mad month, restart OU, taken extra week off studying, but that finished between April and June.

Its the court saga again, but got appointment with mental health team and school, as DDs school work being affected by it all.

Set myself challenge of getting Studio and Argos paid off in 2012, at the mo thats £800, but the interest on top, need to focus, then have another bash at weight, don't get no choice health says so!

xx

Itsadogslife_2

I think food features on so many of our January to do lists :o

Which course are you on at the moment?

mum2one

I'm balancing 3 courses, not a good idea, at least there not exams.
level 1 - BU130, Level 1 B122 Introduction to retail mgt, and Level 2 b204.
The plan was do 2 in oct, and the 3rd in April, but OU in their wisdom put them all for same start date. A bit of juggling, but so far doing ok.

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Actually treated myself today, thou do feel reall quilty, silly, I brought pr of Boots from Evans £45 from £55, but they fit, got wide calves, my last 2 prs of boots been cheapie ankle boots from shoe zone thou size 6, have to buy 9 to fit, (wider ankles), these boots today are gorgeous. Got 2 tops, reduced from £30 to £10 each. Thats me sorted out till summer, need a couple prs of shorts, and underwear no major purchases. (touch wood).

xx

mum2one

Happy New year, heres to a good start in 2012, thou quiet here as have lost my voice!!

Just had DD staying up with me to see new Year in, so as tv was sp carp, we watched Holiday on the buses...

Thank you for your support in 2011, I had some amazing highlights, espically when I saw DD swim with the dolphins, and that thought I tresaure with my heart.

Just about to update signature, another year of debt busting here we come! xx

loumac

Happy new year!!

Well done on all you have achieved in 2011, I have enjoyed reading about all of your successes (and have quietly willed you on through your challenges).

Here's hoping that 2012 brings you and DD peace and happiness. And a little wealth if at all possible.

xx