My new spending and debt busting diary!

littlepinkstars44

Right timetable is sorted, turns out i am now in group B. And have been put down to do introductory Spanish, when really i should be down for General level, so need that sorted cause one of the general level classes clashes with a uni module!

So my timetable looks like this:
Mon: Spanish 1-3
Tue: OFF
Wed: lecture 9-10am then a PASS group 4-5pm (doubt ill be going to that)
Thu: 9-5 with only 1 hour break! (this is the day one of my spanish classes clashes)
Fri: OFF

littlepinkstars44

oh my, major timetable screw up! general and intermediate spanish have been mixed up. Emailed my old college lecturer, as its her that deals with the uni language classes (i know! Our uni offers langauages as an option, but does not actually teach the, they send the students to my old college to learn them) She said i am def doing the general level, but not to tell the uni why (she put me in her uni spanish classes while i was at college to keep my spanish level up)

So i now only have mondays off!

littlepinkstars44

Alright, well pay day today!
So here is how everything is looking:

Bank of Scotland Overdraft: £1025 (not making overpayments to this atm as intrest free)
Old Mobile Phone: £42.01
Topshop Card: £195.00
Dorothy Perkins Card: £213.00
New Look Card: £103.70
Kays: £98.92
Very: £348.30

total: £2342.63

I sold a few bits on ebay last night, and have some finishing today as well. So once that money hits my bank, will hopefully pay off my old mobile phone!

Need to go into town today, as i need to post things, get a new tripod for my camera (poundland) and get a new notepad and folders for uni starting back next week.

Flower08

Just thought i would pop in and see how your getting on?

littlepinkstars44

Heres a wee update on the situation:

Bank of Scotland Overdraft: [STRIKE]£1025 [/STRIKE]£1010
Old Mobile Phone: [STRIKE]£42.01[/STRIKE] £27.01
Topshop Card: [STRIKE]£195.00 [/STRIKE]£187.00
Dorothy Perkins Card: [STRIKE]£213.00 [/STRIKE]£205.00
New Look Card: [STRIKE]£103.70 [/STRIKE]£97.47
Kays: [STRIKE]£98.92 [/STRIKE]£95.00
Very: [STRIKE]£348.30 [/STRIKE]£342.30


total: [STRIKE]£2342.63 [/STRIKE]£1963.78

Swinstie73

Well done LPS, it's heading in the right direction, bet it's nice to see it under £2K!

littlepinkstars44

Swinstie73 wrote: »

Well done LPS, it's heading in the right direction, bet it's nice to see it under £2K!

I know, i am quite a happy wee bunny at the moment. Friday is my paying something to my debts day, so every friday something gets paid to all of them, even if it is only £1 (which only happens the week before payday, all other fridays it's been £5 and the odds that are on it)

Flower08

littlepinkstars44 wrote: »

Heres a wee update on the situation:

Bank of Scotland Overdraft: [STRIKE]£1025 [/STRIKE]£1010
Old Mobile Phone: [STRIKE]£42.01[/STRIKE] £27.01
Topshop Card: [STRIKE]£195.00 [/STRIKE]£187.00
Dorothy Perkins Card: [STRIKE]£213.00 [/STRIKE]£205.00
New Look Card: [STRIKE]£103.70 [/STRIKE]£97.47
Kays: [STRIKE]£98.92 [/STRIKE]£95.00
Very: [STRIKE]£348.30 [/STRIKE]£342.30


total: [STRIKE]£2342.63 [/STRIKE]£1963.78

Well done, its heading in the right direction :T

littlepinkstars44

closed wrote: »

What's the total if you add in the rest of the debts/overdrafts?

The only other thing i have is my student overdraft, which is my current bank account. Not adding it, as i use it daily, and i still have another 2 1/2 years before it changes.

littlepinkstars44

closed wrote: »

There were 3 OD's and some very bnpl's on your last SOA a month ago, and it totalled >4k.

It might not seem to be relevant now, but if you max it out before the 2.5 years is up it will become problematic much earlier, and needs dealing with before the interest free period expires regardless.

yes one is my old bos overdraft which is included in my currents debts, paying it at £15 a month. I had a £150 od with rbs, all paid off with my travel expenses. And the buy now deals where my mums, so have took them off as she is paying £50 to that a month.

my current overdraft has been maxed since the day i got it. so i am focusing on paying things that charge interest just now