£77,366.35 reasons to be debt free!

In_my_dreams

Annie021063 wrote: »

Sorry to crash this guys but I need some advice re:Bingo britain. I have £6.96 cash, £28.55 bonus and it won't let me withdraw anything (insufficient balance) even though total is £35+. What can I do to withdraw?? I know some of you have been depositing to withdraw, how does this work?
Thanks

I'm not 100% sure but I think you can only withdraw the cash balance and not the bonus, so you need to make the cash balance up to £20 to be able to withdraw. Think you have to play the bonus through

hypno06

In my experience I would deposited £20 to take it over the minimum, then withdrawn £26.96.

Hopefully, that will then leave you with your bonus money which you can play through, but if you win any more you will have to wait 24 hours before you can withdraw, so I would "pre-buy" tickets with your bonus money, rather than pay as you play, so that if you get any winnings, you are not stuck not being able to play your bonus money.

Hope that makes sense!

Annie021063

I think I will just prebuy with my bonus money and have a bingo evening

In_my_dreams

Well managed to sit down after hectic weekend which proved fairly expensive :eek:. Have also stopped putting off checking the online balance and seeing quite how bad things are......:rolleyes:

Sorted the budget out for December, without a doubt we will have to pay a lot less off the debts than normal because of Xmas, Car Tax, car repair bill, dog vaccinations and the list goes on and on and on. May even be £500 less off the CC's :eek: Added to this, have done 3 BT's on my credit cards so have to pay the fees on the cards so I'll be lucky to shave anything off my debts this month

BUT, will remain positive. Have not used CC's for Xmas (yet) and I am only a few months into this debt free journey and just not prepared properly for xmas, next year should be a different story. Also going to sit down and sort out what I need to put aside for insurances etc. They are obviously due at different times and always surprise so going to try and do a 12 month budget working out what I need to pay and when IYSWIM???

Done lots of running this weekend, socialising and now chilling and back to action stations!

hypno06

Anyone who manages to pay ANYTHING off the debt in December is doing incredibly well - if you can get to the end of the month without spending much (or anything) on the credit cards, then that will be absolutely good enough.

The 12 month budget sounds a good idea - remember to add in all those birthdays that normally catch you out, and timetable in some treats too - if they are budgetted for, then they will be ok.....so perhaps a meal out once a month, or a takeaway every few weeks?

Well done on the "done lots of running" - my cough has abated this weekend, so I am looking to go at least around the block tomorrow evening after work.......watch this space

BuffyTheDebtSlayer_2

Hi InMyDreams
I have been a bit of a lurker on the MSE forums but have found your diary so inspiring that I decided to join today. You are being so positive about your debts where you could have just given up. I will probably start my own diary too when I am brave enough to do an SOA!
Keep up the good work!

In_my_dreams

Thanks Hypno - really think I will be paying pennies off the debt this month but so be it. Just sorting out my budget and working out how much I need to save in particular months and getting myself straight. May even just finish off the xmas presents online tonight and then it's sorted as I hate shopping!

Hope you get out for a run. Had a lovely run over the hills this morning, really cleared my head and got everything into perspective and life isn't that bad

macgirl

Hi IMD, glad you've had a good weekend.
That is the best benefit for me - clearing my head. If I have a problem, I run and it sorts itself out. Sadly it doesn't make debts or ironing disappear though :rolleyes:

Yes, I think to not spend heavily on CC's in December is an achievement, so don't beat yourself up over that. As you said next year will be different and we'll all be there supporting each other. We will get there

In_my_dreams

You're all ace

Have worked out budget. January is going to be :eek::eek::eek: and February will be a bit :eek::eek: but I think I don't pay Council Tax then so may only be :eek:. By March I should be in credit with savings and have something there without going into the negative.

Decided to only get 6 months car tax in December as coupled with the car insurance it is just too expensive a month and will move it to June.

Have got £160 coming from quidco at some point and hopefully that will come before January and it will be less eekish.....

Feel relatively calm, will see what december bring and breathes deeply and not stress

Macgirl - it certainly doesn't make the debt disappear but makes it seem not quite as stressful. Currently debating whether to enter a 21 mile fell race or not.............:rolleyes:

rupe34

ooh IMD - had totally forgotten about Feb & March being council tax free:T thank you for reminding me!

Ahem - back to the plot...