Jamiedodgers Debt Diary

tesuhoha

Thank you for all your kind comments. Will look out for the pm, pv. Going to the supermarket now. _pale_ Not really, have well planned, economically viable list.

Edited: Isnt it embarrassing when your smilies go wrong!!

muddled_midget

tesuhoha wrote: »

Then they also want the first quarter's rent of £945 by July so I am having to save £300 per month for this plus paying the £289 I am already paying, plus fees of over £300 next month, plus the deposit I mentioned. :sad: :sad:

Is there any possibility of contacting the LL and asking if you can pay by monthly standing order rather than quarterly cheques? I think they like quarterly cheques cos it means they get paid at the start of each term when students have just had their loan but if you explain that you're paying it instead they may be able to change it

gallygirl

tesuhoha wrote: »

All right, I'll confess, if Jamie doesnt mind me hijacking the thread slightly. At least its not my own thread so wont draw so much attention. I made a promise to support both my kids through uni. It looks very much like the youngest wont go but dd is there at the moment. I pay her rent and fees and she lives off her loan. She has a part time job but it doesnt go far. She is moving houses this year and it has made things difficult. I am paying this years rent by prepaid cheques of £289, so am still paying that till June. However, the new landlord needed a deposit and fee of £411 so bang went the majority of my debt payment for this month. :sad: :sad: Then they also want the first quarter's rent of £945 by July so I am having to save £300 per month for this plus paying the £289 I am already paying, plus fees of over £300 next month, plus the deposit I mentioned. :sad: :sad: Wont have any money to pay anything off debt till July but just cant leave her in the lurch; she has to have somewhere to live and doesnt have the money herself. Everyone will say I am too soft but its a commitment that I will not go back on. I will not see her starting off her working life with major debt. Even so I am devastated by this latest financial blow. Have also been told that we are going to get a massive tax bill next year so am having to save £60 per week towards it. Its my kids 18 and 21st birthdays this year and can buy them nothing. The reason why we have a high tax bill is because my OH worked loads of overtime to pay school fees for son. We are fools I know. Hes stopped going there now and is at the local college. My OH is on a high income but we dont see anything of it. I dont expect sympathy as we have made our bed but we have the £16,000+ debt which is not shifting very fast and I find it so frustrating that we have all these commitments. Please dont dissuade me from them because I cannot leave dd high and dry.

Tes is that the best you can do?????? We were expecting tales of drunkenness, debauchery and exotic hols at least .

Jamie - hang on in there - you'll soon have paid your overdraft which is great progress :T

JAMIEDODGER

quite pleased with myself this weekend, have had two no spend days in a row:D

still going over budget with a fine toothcomb.....i hate feeling this skint!!

its my birthday this week so i will be going out for a meal with some friends, this has been planned for a while and i dont really want to cancel it. i am going to try and spend as little as possible while still trying to enjoy my birthday at my fav foodie place in the world:)

im figuring that after thats out the way and its ds3 birthday next saturday, i will have 3 weeks of minimal spending! i have my nans birthday on 22nd but we dont buy presents so i will just make a card for her. hopefully nothing else will crop up in april:) and i should be back on track!!

James240

well done jamie great to see u back on track :j

You will get there in the end, as ur possibly the most dedicated person i know :beer:

James

JAMIEDODGER

cheers james:) thanks for the compliment:D

i know i will get there, it just seems a very long road...one that took 5 mins to get onto and forever to get off!!!

have just knocked up a lovely roast:) and feel very full now.........im sure i must have some chocolate SOMEWHERE in this house!!!

beanielou

Keep going JD-If anyone can do it you can.

LookingAhead

Hi J_D!

Just wanted to nip in whilst I remember and say HAPPY BIRTHDAY for.....Thursday I think it is?

Work might get a little mad for me this week hence me saying it now hon.

I hope you can find a way to make your day special and forget about debt for a while.

JAMIEDODGER

hi LA, its weds, the 4th.....isnt yours this week too? what day?

i hope we both have a great week, beanie....thanks hun xx

tesuhoha

muddled_midget wrote: »

Is there any possibility of contacting the LL and asking if you can pay by monthly standing order rather than quarterly cheques? I think they like quarterly cheques cos it means they get paid at the start of each term when students have just had their loan but if you explain that you're paying it instead they may be able to change it

Ive only just noticed this. Do you know, Im going to give it a try! Keep your fingers crossed for me. Sorry, Jamie but it would make the world of difference to my spirits.