Eager Elephant's Effective Everyday Excursion ...

Eager_Elephant

:santa2:Merry Xmas readers of my diary :santa2:

Hope you have all had a good day.

Just popping on quickly before bed

EE

SarahNeedle1872

Hiya EE, just catching up after re-emerging from lurkdom.

So sorry to hear about your DH... hope your 'background stuff' is going ok

(((hugs)))

Sx

Eager_Elephant

Balances as per statements:

Barclaycard - £7568.09 - 24.9%
Amazon - £2264.66 - 15.94 & 6.95% (Limit £2400)
Abbey - £737.13 - 21.6% (Limit £1100)
Paypal - £274.62 - 17.479% (Limit 650.00)

Total - £10844.50

Reduction - £44.54

I have cleared my Paypal but the statement is not produced until 6th so it will show in next months.

My car repair bill has gone on DH's statement but I have decided not to include it as otherwise my debt will have increased

EE

Eager_Elephant

_party_Happy New Year_party_

Well what can I say, the past year has been a bit of a disaster with regard to paying back my debt.

The reduction since last January is £352.81 :eek: (although technically there has been no reduction as my car cost £934 to fix and this is on DH's card but I am not including it until next month)

DH and I still have seperate finances, I think his debt is creeping up still (although he did sell the car the other month) and he is incurring lost of charges etc for bounced DD's. He did say I could help do a budget but since then we have hit a bad patch so I am not helping him (childish I know).

2011 is going to be the year that everything changes, as mentioned before I have some background stuff going on so I am going to get this sorted asap and then I can move on with my life.

My minimum payments are approx £263 per month which is nearly half my wages, the other half is used to contrbute to the household bills and I use the child benefit and CSA to pay my part of the shoping bill.
So unless I do mystery shopping or some relief work I am skint which is no wonder I can't manage to pay much to my debts.

Also my best friend is getting married next year, DD and I are bridesmaids. We have already had a hen do but have another one in a few weeks :T:beer: so there will be some additional expenses from that.
I will have to save the tax credit money (apart from childcare bills) to pay towards this because I am not using the credit cards.

I am going to have to try extra hard this year with expenses etc and cut down where possible. I also need to try and up my extra income so I need to mystery shop more and also do the surveys. The only problem with this is that I can't book too far in advance because I never know when I am needed for the relief work.

Now we have the bikes most of our spare time will be taken up with this so not likely to spend money as we have no shops near us.

Here's to a better 2011.

Hope everyone else has a good year.

EE

BEAT_THE_DEBT

Happy new year eexxxxxxxxxxxxxxxxxxxxxxxx

Eager_Elephant

In my excitement to post a yearly update I realised that I had forgotten to let you all know that I am now 30 :rotfl:

Have had a couple of meals out with a spa day planned for this month some time.

This is on top of the second hen weekend coming up :eek:

Anyway have been to a family doo today, spent loads of money as we play bingo for money - did not win but never mind had great fun.

Would have been a NSD but while getting DD dressed this morning I realised that nothing fits her so had to nip to a clothes shop, got loads of tops and jeans for £43 - actual cost should have been £100+ so pleased with that.

Will see if I can sell her clothes on gumtree or such like.

EE

beanielou

Belated Happy Birthday!

taxi73

belated happy birthday and happy new year.

BEAT_THE_DEBT

hi Eager hope u had a fabby 30th!x

Eager_Elephant

Not much to report for today.

Have done some housework, taken some clothes back from yesterday for an exchange, decided to take down Xmas decs but have since decided that it can wait!!

Have been PADing for the last three days to £3.06 paid so far. Will try to keep this up.

EE