Having courage to be honest

40somethingmum

Hi Ruby,

Hope you have a better day than yesterday.:)

Love

40Smx

ruby1968_2

Thanks guys, :oalthough I could kick myself I have just found a debt that I missed from my SOA:mad::mad::mad: absolutley livid about that as it makes a difference, although I have set up £2.00 a day payments to now so will come down slowly, the O/D was caused by Natwest :mad::mad: and cutting a long story short do they give a dam do the hell.:mad: can't wait to close this account down.

I will be sorting my diary today and double chcking that I haven't missed anything else.

On a good note I'm getting well into the home baking routine made another fruit cake yesterday and rock cakes. I think hubby believes in 7th heaven.

will catch up later.

rubsxx

40somethingmum

ruby1968 wrote: »

Thanks guys, :oalthough I could kick myself I have just found a debt that I missed from my SOA:mad::mad::mad: absolutley livid about that as it makes a difference, although I have set up £2.00 a day payments to now so will come down slowly, the O/D was caused by Natwest :mad::mad: and cutting a long story short do they give a dam do the hell.:mad: can't wait to close this account down. ]

I will be sorting my diary today and double chcking that I haven't missed anything else.

:mad::mad::mad: Sometimes its 1 step forward 2 steps back.... you will get there... very frustrating . I forgot that I had to pay for dog training classes (£55) and DS3 football club ( £24) so budget as totally gone to pot this month.

Well done on the baking, sound delish .

Have a good day.

Love 40SMx

ruby1968_2

Update Debt diary:o

Creditors
Balance
NatWest Overdraft

744.13

Ambrose Wilson Cat

497.70

Provident Personal Credit

799.50

NatWest Credit Card

1,561.15

Bank of Scotland Loan

17,110.00

NatWest Loan

15,525.51

Revised Total

36,237.99

:eek:

Well now I have a clearer picture and guess it is worse than I originally detailed, although these do have payments plans in place so they will still come down slowly.:o

Payments in place:
· NatWest O/D = No set amount in place as this is part of bank loan and mistake by bank so the account is on insurance hold as the loan is being covered by ppi so make payments to this as and when, I thinking £1-£2 a day will help bring it down.
· NatWest Loan = Insurance payments cover this so I don’t really worry too much; I just have to on the ball and make sure they get sick notes and then they have authorized payments into the account.
· Ambrose Wilson = £25.00 per month account is no longer usable (I requested this) they weren’t very happy as in their words they aren’t making money from me with the plan in place. (well tough)
· Provident = I have a great Agent and she allows me to give her what I can manage, as long as I keep doing this every week the total comes down.
· NatWest Credit Card = managing minimum payments so they are happy with this to continue, card is looked away so can’t be used.
· Bank of Scotland = Already with debt collectors and have payment plan revised every 6months although at the moment it has been set at £25.00 per month, last conversation was they expect the payments to increase steadily but according to their system we should be paying £700.00 per month. :eek:( I can’t see this one going anywhere soon)

Doesn’t look good does it!! Well will be dealing with it the best way possible so ‘’onwards and upwards as they say’’.

And to top it all The Washing Machines Broken.:mad::mad::mad:

40somethingmum

And to top it all The Washing Machines Broken.:mad::mad::mad: [/QUOTE]


((hugs)) Ruby. March has got to be a better month;)

Love 40Smx

ruby1968_2

God I hope so!!
how are things with you?

40somethingmum

ruby1968 wrote: »

God I hope so!!
how are things with you?

I am ok ... just a bit fed up of never having money:(

DS1 is off school today so that 1/2 days wages lost:mad: .

Love

40Smxx

ruby1968_2

is he still not well? I know how your feeling I have one home too. :eek: my other (ds) should be on work experiance but decided not to go:eek::eek: but he's not at home he's gone off to do his voluntary work but could be back anytime. DH still working hard but is looking at another job that has more money and a van, which will save us (£70) per hope it's good news later. but will have to wait and see:).

40somethingmum

No, DS1 is unwell again . He has had a nasty cold that keeps coming back again and again . TBH I think it is stress related.... he is mildly autistic and now really hates going to school ... he is often anxious and depressed (he is only 9:() .

Good luck on the job front for DH ? £70 would be a great saving. What line of work is he in ?

Love 40SMx

ruby1968_2

professional grass care machinery, he's been in his current job 9 years but has always been in this type of employment for the last 30 or so years, have my fingers crossed that this comes up but wont hold my breath.

do you get any help with him?