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Bang...and the debt is gone! (Hopefully!)
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£25.88 in my purse. So been brave and done some PAD...
PAD £5 CC1 now at £970
PAD £20 CC2 now at £350
PAD £10 CC3 now at £440
wanted to hit all 3 to mark my restarting on PAD. From now on will focus on CC2 as smallest balance, and then CC3 and CC1. Interest rates very similar so no real difference in terms of how they should be paid off- psychologically will benefit getting rid of the smallest first
Bank balance now £86.15
Purse balance now £25.88
Dribs and drabs of money still to come in...will keep searching!- DFD 4th July 2015
- MFD 1st October 2021
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Baby PAD of £0.29 off CC2 to round down bank balance.
£190 exactly in bank
Purse spends gone on gift for a friend. Spendy day tomorrow with transport costs due but may get these back.
Awaiting a possible £31.89 refund- will pay off CC2 if and when this appears- may be a cheque so will take a few days to clear.- DFD 4th July 2015
- MFD 1st October 2021
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Current state of affairs:
23 days til payday
£362.01 in bank
Current approximate totals:
OD £1640
Catalogue £1400
CC1 £950
CC2 £325
CC3 £400
Loan £2971.52
Friends £3700
Bill £897.56
Total= £12284.08
Unexpected bills have scuppers my plans! This was for emergency remedial building work so couldn't be helped.
In positive news, second job (online work) has been secured so incomings should be updated.
More details to follow....- DFD 4th July 2015
- MFD 1st October 2021
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Ok so should break the £12k barrier at end of April, possibly the £11.5k barrier too but we shall see.
Waiting for details on how much work is available for me with job 2- hoping it will be around £500-1000 a month take home, this would revolutionise my repayment plan but also allow a little more freedom and fun.
Will have details by the end of this week.
NSD yesterday- DFD 4th July 2015
- MFD 1st October 2021
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Frustratingly, second job earnings haven't started yet. I am about to get started on these but it's unclear what kind of range of weekly income I can expect. I'm hoping for £125 a week- so £500 a month.
In other news, have cancelled sk1y tv thus saving £15 a month. Some savings made with cheaper insurances on renewal but also some more expensive bills. It's always 3 steps forward, 2 back!.
Have secured some work with my 3rd job, this is great but shortlived- will provide a lump sum of £1000-£1200 around end of June. Need to think about what this can be used for.
Big expenses still this month- 2 nights out before payday. Then in next 'payday month' there are a couple more. Also have a couple of gifts to get this weekend ready.
To generate extra pennies, I have to get back on flebay- have done really well with this before. It's so hard to get in swing of things. Will get listing tomo and any items that are pickup only will try on gum1tree first.
Lots of chores to get on with. Today's list is more relaxed:
- buy 3 presents
- cheap topup shop at wi1ko
- check out butcher to see if any meat on offer to stuck up dwindling freezer
- pop to a1di for veg/fruit or to local market
- check out when phone contract ends
- set up direct debit for final bill
- beauty MOT- a good hour in the bath is needed!
- write list for flebay
- withdraw cash for spends
At some point, maybe tomorrow,
- valet car
- laundry
- start my declutter challenge
The declutter challenge aims to tackle all the problem areas of my home, find a place for things to live, but most importantly get rid of what I don't need. Too much stuff so I have to be ruthless. Same with my handbag, car, desk at work....all need organising!- DFD 4th July 2015
- MFD 1st October 2021
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Have finally gotten started on my flebay mountain. First item sold for £9.46 after fees and I have maybe 3 more of these I can list tonight too.
12 days until payday and big bills to pay before then. Next month is also tight.
On the plus side, job 2 yielded £100 today so when that's paid next month it should help to ease things.
Aiming to list 10 items on flebay tonight and keep this up for a few days.
Had a productive few days- lots of jobs around the house done and ready to start the decluttering.
Other highlights have included a gossip with a good friend in a nice cafe- she picked up tab as it was her turn. Also got given some marinated pork by a friend so that's in freezer for another meal.
Creeping toward payday and after June things should be easier....huge unexpected bills are crippling the dad and the repayment plan but as long as I'm making progress, that's ok.
Onwards, if not upwards.- DFD 4th July 2015
- MFD 1st October 2021
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Long overdue update. Finally, a minute to sit down and think after weeks of chaos. Work has been very busy and lots on- same with job 2 and 3 so run ragged would be an accurate description.
On the mse front...
Have downloaded free trial of YNAB to see about using that as a way of budgeting rather than my trusty spreadsheet. Looks relatively user friendly but will take a few hours to master I'm sure. Have a lovely free weekend ahead so will try to tackle this then.
Flebay needs a jump start- I am seriously running out of room to live in a stress free, clutter free, minimalistic way.....that's the dream anyway
Have another builder bill to stump up for....hoping around the £200 mark. It doesn't rain it pours.
Payday Wednesday so will sort out projected spends etc. June-July is always spendy for me with lots of birthdays and social stuff.
Looking at consolidating debt into one account- need to check my available credit and BT offers....would have to be one I can overpay as looking to get back into PAD and snowballing. It's expensive this home ownership malarkey.....:eek:- DFD 4th July 2015
- MFD 1st October 2021
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Refund on way of around £26.... Within 30 days. Well overdue so that's an added Monday bonus!
- DFD 4th July 2015
- MFD 1st October 2021
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