Pinky's Happy ever after diary! 2010

Pinky15

Well have updated my sig debt now stands at £3900 - paid another £100 off the card. A week on monday I have another £250 to come off the card which will take the total to £3650 =think thats right - maths was never my strong point lol. I will update my sig once the payment has been made.
I have £3 in my purse which I am going to pay into my xmas savings account taking it to £30. I have budgetted to now pay in £30 per month which should cover most of xmas.
Am waiting to sort out my next bill made an early payment of £150 off it but online statement still wants a payment dont know whether I need to make another payment or whether this one counts - hmm- might give them a ring tomorrow!

katieclampet

well done pinky. It is great when you can see your debt coming down, it makes all the struggle and going without worth it. I am not sure about sickpay when yopu work partime, have you tried the disability board? Some one might be able to give you some useful advice on their?

Hopefully u might get some stuff on ebay when there is a free listing day, every little helps!!:)

katiex

Pinky15

A NS day yesterday yey! I went to Asda today though and needed a few bits and came to £40 nearly died no wonder I dont shop there any more. Got DS 2 pairs of nice joggers for £2 each so was pleased with that.
Budget wise I now have £145 left for the rest of the month.
i hope to use £50 of this to knock off some more of my Next bill and also my tax credit next week i have decided to pay that of it too as I am getting charged interest on this one and not the ccard so it makes sense. if I can do this that will be another bill around my neck gone.
So I am hoping to manage with £100 for the rest of the month.
i have another £200 extra in my other account so will save half for my bathroom tiles and pay half off the credit card. Will update sig when I have done this.
Have finished painting the hall now and looks really nice- have sorted out all my cuboards and got rid of some junk so house looking better already!!:)

beanielou

Look forward to hearing about you kicking Next into touch.

Pinky15

Haha thanks Beanielou. I phoned them today to check my returns have come off and query why payments havent come off statement but turns out they are just slow and take ages to click info over. I now have £300 remaining so instead of making the extra payment off my ccard I will pay it off Next - i really didnt realise how much interest I was paying - prob the reason I am in debt! So after this payment I will clear the £100 when I get paid next month. then that is one less bill to worry about. I have found some bits to ebay and have a few days off over easter so promised myself I wll have an evening listing loads with an aim to make £100 towards my new bathroom tiles. Had a NS day today and have £110 to last me to the end of this month I think this should be doable especially if I meal plan and eat and m& dads!:D
When we get paid next month have a few big bills to pay but hoping I have enough to buy a new rug and some paint for the hall.

katieclampet

Hi pinky,
I think there is a free listing day coming up soon on ebay. I will keep my eye out and pm you when it is on,

katiex

Pinky15

Had a lovely mothers day today, choccies, flowers and lots of cuddles! Perfect. We have done do well with the budget we took the kids out to the local play centre and had lunch total spend £22. Dont mind tho as kids loved it and everyone ate their lunch. it was really quiet too so they practically had the place to themselves. weather was a bit chilly but still had a play outside this afternoon. All were really tired and have gone to bed no bother! What a nice day. Back to work tomorrow tho boohoo. But my plan is falling into place still.
Total weeks left - 16
Tax credits payments to reicevex4
4 X 250 (Tax C) off card = £1000 - 3900-1000= 2900
Predicted overpayments - (feeling hopeful lol)=
April 350
may 350
June 350
July 350
Leaving £1500 (is that right)
Also current direct debit payments which are £115 = 460
Leaves overall = £1040
So I am happy with that. I havent factored additional overtime or payrises yet so am hoping to add to the total. I wont have my next bill either which as I have said will be paid in full next month - yey!!! I wonder what the minimum payments will then be - not sure how to work this one out!
Have still got £100 to last till the end of the month so if I have some left will be really chuffed!!
Got a bargain rug from Argos and a cheap desk so can have a good sort through paperwork! The rug was £55 reduced to £23 so pleased with that. I want some new chairs but at £240 for 6 may wait until we have paid c card!

beanielou

Looking good

katieclampet

:jlooking very good!!

katiex

Pinky15

Feeling a bit blerghhh! this pm. Am all onboard with debt busting but.. would love to just go and treat myself to a few bits without panicking about money and counting the pennies out. Feel a bit of a mess would love to get my hair done but cant afford it. i think DS also needs new shoes which will have to come out of new months budget, car tax is due and swimming lessons money due. i feel like as soon as DH makes some overtime instead of being able to pay some off ccard something else sucks the money away:mad:.
Anyway am still on target on monday to pay an extra £230 off next card so will update what is left on that once payment has gone through. At least when I finish work that expensive debt wont be hanging over me. We currently also make overpaymenst on the mortgage (only £20 per month lol) and got my statement today and was pleased it stands at £59000 less than 60grand which is fab. Once the house is done up if we sell it then we hopefully should have around £50000 to put down on another house. I have promised myself tho that this WILL NOT happen till everything we owe is paid off, including my car and we have saved £5000 for all fees etc. So that is my plan - it keeps me going !