Need to sort this debt

mummy2my4babies

Hello thank u for your replies, i dont feel lke i have done much yet??/

But i suppose its a start!!!

Just going to make a few calls now about theese debts.

Then its dinner, bathing the children and some ironing, but i will be back later to let you know how i have got on.

Lemon_Tree

hope you had a good day yesterday at the park. If you don't fancy ebay how about doing a car boot? I see lots of folks there with kids stuff and it seems to sell well.
I'm like you i'd rather give stuff away to get rid of it quickly rather than spend the time trying to sell it. I was just about to put something on freecycle, and thought 'oh i'll just put it on the boards at work' and i sold it within the day. They got a bargain, and i got rid of it and something to put in the savings tin so i'm glad i did it.

mummy2my4babies

Hello
Was very pleased with myself yesterday when i got up i made a few phone calls to get these debts sorted out, i contacted the mortgage and i am paying the arreas in full this morning :j i also rang about the 3 catalogues made an arrangement for 2 of them one of which is only going to take 6 mths, the other one has been passed on to a different company bit angry with myself about this but i will just have to wait to here. Still need to ring about my hubbys bits from when he was self employed so i will try to sort that this morning.

I was all chuffed with myself and felt so much better that i was dealing with problem when my husband shows me the letter he recived in the post.........a fine for £60 for driving in the bus lane aaaaarrrrrggggghhhhh will i ever manage to get it all straight when i have him always being fined for something it feels like :mad: he is a wonderful huuby and daddy but sometimes he do make me angry, he seems to think i can sort everything for him.

I went to tesco yesterday to get some shopping and ended up spending £55 i had hardly anything for this, this is an area i really need to look at and reduce i do do meal plans but dont always stick to them then i always go back for more!!!!!

Anyway moaned enough now off to town this morning to pay the mortgage and council tax, i signed up for internet banking yesterday so that should make things easier.
Hope you all have a good day:D

mummy2mygirls

well done on all the phone calls, good you can sort the mortage

my dh is the same - he leaves me to deal with all the bills etc but justexpects there to be money when he wants it....esp on payday he thinks he is rich!!lol, but he is getting better even if it i slowely.....

on the oldstyle board there is a grocery chalenge which really helps you stic to budget and also some good ideas......i should pop back on really as i have lapsed a bit on this aswell and getting board of the same old things for dinner....

the internet banking should help, i look early everyday and can pay any extra little bits of the cc etc etc.....

will reply to the pm later - just poped on quicky - im of to the shops with my mum - she is treating us to lunch yum yum

mummy2my4babies

Hello
mummy2mygirls hope you have had a lovely lunch with your mum. Thank u for all the advice you are giving me you have been a massive help.
My husband is the same on pay day when ever we need something he says we an get the on payday!!!! no dear we still have no money!!!



I went into town today just me and the eldest one who is now a shopaholic!!!! and had a really nice time got the rest of the holiday bits, now just got to go out tommorrow to get hubbys stuff but mil is looking after the kids for us so nice few hours to our selves aaahhh bliss lol.

Started doing a plan of action with our money for when we return from holiday and i now feel nice and organised, think i will be able to go on holiday and enjoy myself a bit more now.

Be back soon x

mummy2my4babies

Hello sorry i havent updated not much happened on the debt front just been sorting holiday bits out really as we fly early thursday morning! so excited now.

Going to def make those last 2 phone calls 0n monday really want to get them sorted before holiday then at least i can go away knowing i have made some progress with it all.

Well today my eldest is off out with my mum and dad so that will keep her busy and not annoying the younger ones!!! i am going to do lots of housework washing and ironing as its really needs doing , just watched the weather and the sun is going to shine so should get all the washing dry.

Hope you all have anice day

mummy2my4babies

hello today my internet banking bits all came through i had a quick looks and it seems like my life will def be easier with this, have been out again today getting last few bits which seem to be costing a lot of money!!!!

At this time of the month not really much that can be done as account has not much money in at all, but feel s nice just to be organised with this.

Anyway off to cook a roast now then more ironing and packing!!!

mummy2my4babies

Just a quick update before we go on holiday....yay!!

Have spent a bit of money in the last few days but def not as bad as i would have done before my LBM, i would have brought what ever i wanted and thought i will worry about it after the holiday, where now i have been shopping around more and thinking do we really need it!!!! not added at all to the debt kept in budget with some leftover which i am going to pay the council tax with tommorrow, so i am well pleased with myself.

I had a chat with my dh and he agrees that we need to sort this problem with the debt, we will see how that goes as i am sure it will get on his nerves long before mine lol.

Will try to update if i can before i go if not speak to u all after x

mummy2mygirls

have a great holiday! i am sure i was meant to pm you again with some more details.....will have a look and if i was i will do it when you get back....

Well done on not addng to the debt! thats great, and to be able to pay extra to th coucil tax aswell is great!!

im glad your dh is on the same wave length aswell.......i think mine is still slowly gettin there.....

mummy2my4babies

Bless them ah, he says thats fine i dont need any money but as soon as he aint got fags or money in his pocket he hates it lol,he just cant be trusted with money or a bank card, he has a heart of gold and just wants to buy stuff for me and the kiddies but cant afford to all the time!!

Yeah i am really pleased with myself for not adding to it, and am looking forward to getting all sorted with it when we are back, but also have a heavy month as its dd3 birthday and my mums 50th, so money will need to be spent, not sure how much to spend on dd3 it will be her 3rd bday think i will have to have a look around when were back xx