Debt Free by 40 Debt Diary

dottyanne

Hey OM - youve done really well - wish i could come into your office and give cruella a punch on the nose for you (nice name - thats wot OH calls his ex-wife - lol) - TAKE CARE of YOU - you only get one life and it's very precious - i've learned that mself over the last year or so - love dotty xx

newcook

sorry - not been on this thread for a few days but have caught up now!!!

congratulations!!!!!

bobbie78

congratulations! you really are an inspiration and an amazing lady

oakdale_minx

Thankyou for all your lovely comments - I often log on and just look at my thread and it gets me through the day!!!

I guess today is the start of a new chapter in my DFW/MSE journey.

I'll start with a new SOA. It is due to change again in a couple of months as I will have paid off the old electric/gas bill and should reduce by £15- £20.

Income
Main salary 1735.00

Outgoings

Mortgage 677.00
Council tax 90.00
Water 38.00
Gas/electricity 68.00
Home and contents insurance 15.00
Pet insurance 13.00
Car insurance 26.00
loan at 7.9%(59 payments left) 381.00
Tesco Clubcard Plus savings 50.00
Union fees 10.00
Tv licence 5.00
TV/Bband/phone (NTL) 30.00

Total: 1403.00

Leftover for food/car tax/mot etc 332
PLUS
AQA income (variable) average 400
Disposable monthly income (variable) 732

I plan to put the AQA money away each month. Some will eventually be used for the tax bill. It will mean I'm also in a position to pay extra on the loan each month to try to get it paid off sooner, although that may well change if my job situation changes. The Tesco money is money which is loaded onto my Clubard plus to use for shopping and means I get double clubcard points, that can be increased/decreased as I want to at any time and is part of my disposable income.

Getting a better mortgage deal in May is also at the top of the list of priorities. It is an awful deal I'm stuck with until then.

I keep looking at my SOA thinking there should be more outgoings but I've checked my bank statements and that is everything!

Today is D-Day for my job. I have my one to one with Cruella and an HR manager at 11.00. The union guy is also coming along with me. It is so weird that I am hoping that I am not wanted!!

dottyanne

Good luck for later - dont let the cow intimidate you - you have done NOTHING wrong and she is a bully - any HR person worth their weight will see her for what she is.

dotty xx

angelavdavis

Good luck with today - you know everyone is rooting for you!!!

Go in with your head held high!!!!

tumbleweed261

Best of luck with the meeting - we're all crossing everything for you!!

slowlyfading

Good luck with the meeting, dont be scared to stand your ground. And WELL DONE on everything else!
Nicola x

Bunnyinthelights

OM
Best of luck. I so wish I was a fly on the wall to listen!
You are a strong, competent woman
Bunny x

miggy

Yay! for the end of the unsecured debts - you're a star!