Having courage to be honest

ruby1968_2

Morning beanilou

thank you for your advice would love to target provident 1st as it should be finished by now if I had kept to actual payment each week, so need to set aside £30 per week + anything extra, but then that means I need to up my budget each week to include it it's due tonight so am going to see what i can raise in total, also going to try today and revise accounts to see if there is anything else I could do to make a difference, at the moment I'm all ebayed out so need to have another rumage.

Rubyxx

bevan840

aww ruby, have some *hugs*
I don't really have any advice *shrug* I set minimum payments just over whatever the statements say, CC1 is normally £52/51, so I pay £55, I'm battling with that one first. CC2 used to be £26/27 so paid £30, but it's now gone under £25 so lowering this one so I can add a little to CC1 I'm hoping it works

I'm glad the toilet is fixed, I hope your not going to have to pay them too much as they should of fixed it right the first time

I hope your day gets better *hugs* xxx

ruby1968_2

Hi bevan840

no thankfully being a tenant it's covered with rent,:) so didn't need to worry about that one (thank god) I'm going to hopefully look at th minimum payments today it the hope I could sort it out I just looked in my money box and am very upset to see that I have had some money taken from it , I was going to use that towards provi tonight, so thats it! the culprit needs to come clean am going to set trap:(.

I never thought the day would come when I couldn't trust my own children. am despreatly unhappy and at the same time very:mad:.

40somethingmum

:kisses3: Rubes,

So sorry I wasn't around for you last night ((hugs)). I completely understand how you feel . I think the down feelings are unfortunately par for the course when we are debtbusting. I know that I have at least one day per week where I feel "is it worth it ?" . the answer is definetly "YES". You have been doing brilliantly , just keep plodding;) .

:mad::mad::mad:to your money going missing:mad::mad: .

Hope you feel better soon :A

I will be around most of the weekend if you need to chat.:)

I am at work and wish I was not:(:)

40Smxx

beanielou

Sorry to hear about the money.
Its not a nice feeling.

ruby1968_2

Thanks beanielou and 40sm thanks for your support,It also turn out last night that my hubby has had some taken also, he'snot happy, woke up this morning with hubby asking what I was doing today replied" it didn't really matter what I did !!! it would be a waste of time with the ungratefullness it our house"


God I wish my DAD was still here, he'd know what to do!!

beanielou

Hope things get a wee bit better soon ~ take care xx

ruby1968_2

:idea:Whilst having a lightbulb moment today and a lot of thinking today I have come up with this plan

• I wish to be debt free by the time I’m 50 (2018)
• Would like to go back to New Zealand?? 2018
• Need to pay off provident (2nd) 24 payments (£30)
• Need to clear catalogue (1st) 17 payments (£25)
• Want to clear OH credit card (3rd) (£40) min
• Need to see end of NatWest inclusive of loan and overdraft.
• See end of Bank of Scotland loan (this will take priority once all others paid @ present payment £25 per month revised @ 6 monthly intervals.
• Sort acts into priority order 1, 2, 3, whilst maintaining minimum payments
• De-clutter / attic
• Deep spring clean House and[STRIKE] car[/STRIKE]
• [STRIKE]
  
• Shred old paid bills (have lots of shredding to do)
• [/STRIKE]one day at a time

beanielou

One day at a time indeed x

ruby1968_2

thanks beanielou.