I'm tackling my debts in 2010

emmie26

WooHoo all credit cards bills have had to be paid and we have paid off a massive £900 in credit card payments alone, that is not counting the minimum payments. :j:beer:
It is so funny living in the world of cash, it must have been such a simple time before plastic. At the moment we are drawing out money for everything food, petrol, treats etc at the beginning of the month and just using that, to help us budget more easily, however because we are in the twilight zone of 10 days to payday all of these budgets are very low, my spends budget is down to £25 and I have arranged to go to the cinema tomorrow and pizza hut after as it is half term and my only day off with the children and I still need to get my daughters present, but as it is the only money that I have its just tough I have to stick to it :cool:
In better news I have finally found a good bike which is nearby and minimum price of £6 for my daughters birthday, so I am definately going to put a bid on.
I have decided to just get my hair coloured and not cut, this was partly decided by God as I phoned up and they could not fit me in for both a cut and colour on the day that I asked so it is obviously a sign to say that I really cannot afford to be so frivolous.
Still do not know how we have managed to pay so much of the CC's this month ever likely we are feeling really skint now

InaPickle

That's brilliant, emmie - well done! :T

Thanks for telling me about the A&L account - I'll see about looking into it.

emmie26

Cinema £3
Treats £1.50
Pizza Hut £8
Car Park £2.50
Parking fine £25
Coffee £3.20
Total £40

Stupid idiot that I am somehow managed to overstay on the car park for an hour, so I well and truly deserve a bloody parking ticket :mad: All day I had been really frugal, I knew that all I had left was £25 for the rest of the month, anyway I suddenly lost the ability to count or tell the time and when I got back to the car there was a lovely yellow parking fine So this has had to come out of my current account and is basically adding to my overdraft :mad:
Have not told OH yet, he will not be a happy chappy, after the bad morning also had my first shop brought coffee of 2010, I took the children swimming at the gym in the afternoon and after I came out I was exhausted and feeling !!!! (mainly due to the parking ticket) and my stupid logic was that if the council were getting £25 out of me then deserved to spend £1.60 on a coffee (I also brought my friend one )
I have well and truly fell off the wagon today, but the children had a good day so that makes me feel a bit better.
I did feel a bit embarassed in pizza hut, I made the children share a childrens meal and I brought myself a childrens meal - hence it only coming to £8, my friend brought her children a buffet meal each, a buffet meal for herself and drinks as well so she spent double and most of the food stayed on the table, she does know that I am really watching the pennies though and the children were oblivious to the fact that they were sharing because they still had plenty to eat.
I am determined not to spend another penny until payday!

Radish72

emmie26 wrote: »

Cinema £3 :T
Treats £1.50 :T
Pizza Hut £8 :T

Car Park £2.50 :T

Coffee £3.20

Parking fine £25 :mad:

Sorry to hear you had a bad day but I have graded all what you have done and you still come out :T (This does not work out if you calculate the cost but I want you to feel better)

You have had a little slip, which will happen, my little slip today is eating chips, sausage and gravy for dinner but I have given away the chocolate muffin (I'm not mentioning all the other little slips over the past week)


ETA - I did then eat a blueberry muffin later in the afternoon - oops

Well done on the credit cards payment for this month :T

emmie26

Thanks for that radish, you make me feel much better about my disasterous day.
Bad news I had another very un MSE day I brought my gorgeous son a dragon outfit that cost nearly thirty pounds you see, its world book day and they had to go to school as something out of a traditional tale, well I am crap at all things artistic and he really wanted to be a dragon so I brought a spectacular outfit. To be fair it will get lots of use it is nearly his birthday and I have brought him nothing else so I don't feel too bad about it and come halloween I won't need another outfit and any other fancy dress party we are now sorted.
As my last few posts have been so bad I can't wait to do february's summary just for some good news.;)

InaPickle

Hi Emmie!

That parking ticket sucks: I hate it when that happens to me.

I hope your son gets the wear out of that dragon outfit to help justify the cost.

Keep going, and remember: things can only get better!

Radish72

OOh I'm looking forward to your summary for February and it will be full of good news

Don't feel bad about the dragon costume for your little boy, he can wear it lots of times over the next few months, and all the pleasure he will get out of it will definitely make it worthwhile

emmie26

Been paid today was expecting to be paid loads because of all the overtime I did last month at least £300, and to be honest I had already earmarked it for several things as we are going away, its the childrens birthdays and I needed my hair done, however checked my account and there was nothing added from my extra job, just my normal wages, now I don't know what has happened and can't find out until monday because the wages and salaries place is not open until then, I feel like crying I don't know if it's because I still owe tax from when my tax code was wrong but surely they just wouldn't take it all. Maybe they just have made an error and not paid me by accident because normally they send me a wage slip and they haven't this time, either way I am in a mess this month, I was really excited to do february's summary but I really can't be bothered now. I worked so hard last month doing extra hours when I could have been at home with my young children, it makes me feel like saying stuff it I won't do any extra shifts.

InaPickle

emmie26 wrote: »

Been paid today was expecting to be paid loads because of all the overtime I did last month at least £300, and to be honest I had already earmarked it for several things as we are going away, its the childrens birthdays and I needed my hair done, however checked my account and there was nothing added from my extra job, just my normal wages, now I don't know what has happened and can't find out until monday because the wages and salaries place is not open until then, I feel like crying I don't know if it's because I still owe tax from when my tax code was wrong but surely they just wouldn't take it all. Maybe they just have made an error and not paid me by accident because normally they send me a wage slip and they haven't this time, either way I am in a mess this month, I was really excited to do february's summary but I really can't be bothered now. I worked so hard last month doing extra hours when I could have been at home with my young children, it makes me feel like saying stuff it I won't do any extra shifts.

Oh emmie - that's horrible!

It sounds like some mistake has been made: or does you company not pay overtime until the month after, like mine?

Have to drop my mum off so speak soon. She's in a rushrushrush!

emmie26

Have calmed myself down slightly, looked back at old wage slips and realised that it can't be the horrible tax man again because I have been paid since the tax code change and he didn't take any more than the 20% so I think I am back on an even keel there, it must just be an error and on the bright side maybe I will just not have the money to spend on holiday and the children this month and then when they do pay me eventually all the horrible money guzzling events will have passed. I think maybe I am a little bit hormonal at the present moment and that was the last straw, sorry for being melodramatic
I'll do february's summary tomorrow though I think :cool: