dottyanne's debt diary

dottyanne

Ok these are the ones I want to get rid of first, then focus on the biggies next:-

RBS Overdraft

£5,141.91

£75.00

DLC (Egg Card)

£959.72

0.00%
£25.00

Apex (barclaycard)

£847.07

0.00%
£10.00

Fredrickson International (GUS)

£525.74

0.00%
£10.00

Fenton Cooper (Lloyds Bus A/C)

£1,529.57

0.00%
£40.00

Captial One (T)

£646.77

0.00%
£25.00

Capital One (L)

£590.60

£100.00

These total £10,241.38

I'm setting myself a first target of clearing these in teh next 12 months, so all these WILL be gone by June 2009.

Thats my challange !!

dottyanne

Evenin peeps, well am on my own and in continuation of going through my debts and stuff to get a more accurate SOA for a start so I can work out how much i need priority debt wise and debts etc...back in a bit with an update !

doodledo_2

Evening Dotty you had a good day?

Well done on getting your stuff sorted. £10k in a year should be achievable.

I am aiming to pay off £8k this year but think I might make a little more than that. Maybe I could aim for £10k in a year from now as well.:D

dottyanne

Ok so heres how it looks, doing the mse budget of martins i can stick to my budget and live within my means, well for the time being until i do my annual tax credit declaration....i guessi will have to cross that bridge when i come to it?

Anyway heres the problems<

I have to repay my Dad 1350.00 on pay day which is what i owe him as he had to pay some of my holiday or i would have been too late, incurred charges and lost deposit (i know it was dumb) and im regretting it but i may aswell come clean to you all.

Also one month behind (£116) counxil tax.

Also behind capital one, need to pay £110 on pay day.

Behind on ground rent, need to pay 135.25 asap.

So as you can see - on an average month, if everything was up to date i could manage and even budget but cause of the stupid holiday ive messed everything up big time, even if i did manage to stay afloat until end july once ive paid up my dad for the holiday, chances are i will be a lot worse off as i reckon my tax credits will go down dramatically for this next yesr...

any help/advice would be appreciated.

dottyanne

morning everyone - still pondering the above - problems are like i said before i knever know until i actually get our wage slips just how much were gettin paid, also have to ring tax credits to do annual declaration by 31st july....

dottyanne

dont know why but im working myself up in a frenzy here, mobiles ready to get cut off coz late being paid and they are SOOO on the ball, need to ring up n pay a car insurance payment tomorrow as the DD bounced - im counting the days until the end of July when im flaming straight agen from this holiday - could just do with a grand to sort myself out !! :-(

dottyanne

oooooooo will be going through all the stuff in about 2 hours once hes home, am gettin quite worried again now,,,:-(

dottyanne

well that was a bit of a waste of time, didnt acheive much at all - dont think he was in the mood and anyhow he didnt seem that interested, told him that once tax credits go down we will be struggling and he said (to be fair i think hes prob right) we cant cross that bridge until we know exactly what were going to be getting.

Told him the extent of the debt and the total amount, he seemed a bit taken aback and then proceeded to ask me why certain balances i.e his barclaycard etc were still so high - explained that after this month and once i know where we stand tax credits wise i am going to srart to tackle one at a time...

and that my friends was basically that.......dont think i conveyed anything acrosss to him at all - feel like a waste of time!

FrankieM

Hi,
I just wanted to say, that if he is anything like my DH, it sometimes takes a while for him to 'process' the information.
I forget that I've just given him the info but that I've been thinking about stuff for days or even weeks....

Just wanted to encourage you...

dottyanne

its a bit frustrationg that i spend so much time worrying and trying to sort the money situation out and trying to budget, save money etc - think its probably a case of hes happy and trusts me enough to let me just get on with it which i enjoy doing in a way but in another way it means i take all the worry and stress about the finances