dottyanne's debt diary

dottyanne

Hello all, ok so am doing ok for now but to be honest wil still be a struggle this month and possible next too as tc will go down and i will need pay my dad the rest of the cash i owe him.

Had a letter from Apex to confirm they will accept £450 on the barclaycard debt (828.00) whch i reckon is pretty good - they insist i pay in like 2 days but am going to write to them and say can only make payment end of month, this will give me about 3 weeks to find this money so thats the challenge im setting myself for July - to pay Apex off in full.

Updating my spreadsheets etc daily and it does help to keep you on the straight and narrow thats for sure.

Back to work today so am trying to get my head back into that - tough though as not feeling 100% as yet.

OberonSH

You're doing great love. Baby-steps, that's the ticket. Build up te small habits and before you know it you'll be there.

Good going on Apex - that's fabby news. Fingers crossed for you love.

You have a good day - why not have an easy night tonight - bath and early night. Sounds like you deserve it.

doodledo_2

Hi Dotty.

Well done on the settlement figure from Apex a great result :T

dottyanne

It is a good figure that Apex will accept but that leaves me with the hard task of trying to raise this money - things are tight as they are - still owe 675 to dad and also got a water bill for 300.00....plus will need to save some for holiday spends as only 2 more pay days before we go....

How can I raise £450 ASAP? It would be great to do this as its one of the debts i want to be rid of asap.

xx

dottyanne

ok spoke to dad can pay over 3 months now or before if possible - makes things a little easier but not £450 free for Apex easier - canyone got any ideas?

dottyanne

morning all - just a quickie as im at work. nothing much to report today, been online banking and all ok, paid my dad first installment of £450.00. Kids all have trips whch ive not budgeted for thats £31,50 to find eeekkk!!!

Back on track with the old diet and money spending diary.

How is everyone?

doodledo_2

Morning Dotty.

You're brave I haven't ventured on my online banking yet. It's a bad month for us and I know it's going to be scary.

Had to pay car tax, mot and the rest of hols already so I imagine its on the empty side lol

Good luck with the diet I am doing Weight Watchers at the mo, had a good week last week lost 2.5lbs so hoping for another good one this week as only 4 more weigh in's before I have to venture into swimwear on hols

dottyanne

Hey there - know what you mean its going to be a tight month for the forseable future for me - got to do tax credit renewal at end of month and thats gonna leave me skint i reckon.

will have to do a thorough re-do of my budget - thats why i want to get that Apex paid off at the end of this month no matter what coz thats one of the ones i want rid of asap.

My MOT is up in a few days and Tax at the end of the month, hubbys Tax due end of next month - all paying out isnt it?

I need to lose about another 12 lbs by 8 weeks when i go away. determined to get it off too :-)

JAMIEDODGER

morning dotty

glad you have paid your dad back!

im always paying out a fortune to the schools too....nightmare isnt it!

dottyanne

Hi JD, havent paid him all of it back but doing it in 3 installments so it doesnt skin me too much, problem is that as well of this i need to find £350 for Apex, got 1 x MOT due and 2 X Car Taxes - also TC will go down once ive renewed and ive no savings for holiday spends yet - arghhhh - cant wait to be debt free !! doing my head in now!! i never seem to be getting anywhere!