My Debt-Free-Wannabe Diary

DontDoDebtKids

Seaxwyn wrote: »

Gosh DDDK, had to reply as today's posts have made me smile - in a rueful and sympathetic way of course.

What a hassle it is juggling money about from account to account. Not so very long ago I had one current account and one credit card, how simple life was!

Good luck with it and let's hope the juggling pays off for all of us in the end.

The evening walks sound fun and I hope the short break is good - one good thing about the DFW life is we appreciate the treats so much.

Thanks for the support! I've decided to simplify things and just have three current accounts - a joint one for bills & food, one for spending money and one for debt payments. All with Nationwide.

Credit cards are what got me into this mess, so I'm obviously useless at managing them. So I have to stop using them, simple as that. The end.

Yes, I am looking forward to my break. And I'm not taking a credit card! :money:

DontDoDebtKids

48mpg in this morning.

It's a week since I filled up and I still have just under half a tank left, and I did quite a bit of driving at the weekend to boot!

DontDoDebtKids

I got a statement today saying interest on Lloyds CC was £6.10, so have paid that to Lloyds account.

Debt Totals:

£4,750.00 Amex
£1,850.00 Lloyds TSB
£5,700.00 M&S

Total: £12,300.00

DontDoDebtKids

DontDoDebtKids wrote: »

Well, here's a turn up for the books!

I just discovered, by accident, that you don't need to pay council tax for 6m if your property is unfurnished and unoccupied! Purely by chance, the booklet fell out of the envelope onto that page when I extracted the council tax demand for my flat from the envelope so instead of ringing them up to pay them i rang them up to not pay them and then ask for my money back from the period before it was rented out, which apparently I can have back. I've sent them a short letter asking for the money back, should be about £350 by a rough guesstimate, which is rather excellent if you ask me!

Even better, it appears that I am owed £412.02 according to the letter I just got from them! Wow!

DontDoDebtKids

I've still got about a quarter of a tank left since my fill up last MONDAY :j

Personal best getting in today: 51.5mpg

Getting In Details
5/6: 40.3mpg
6/6: 48.7mpg
7/6: 49.4mpg
8/6: 48.8mpg
11/6 48.9mpg
12/6 48.0mpg
13/6 51.5mpg

Amazing personal best getting home last night: 57.6mpg :j

Going Home Details
4/6: 47.0mpg
5/6: 50.9mpg
6/6: 50.0mpg
7/6: 51.1mpg
8/6: 56.4mpg
11/6 50.9mpg
12/6 57.6mpg

I wonder if I can make it all the way until Friday before needing to fill up....?

DontDoDebtKids

Managed 54.2mpg driving in today! Record!

DontDoDebtKids

Blimey - I've just realised I am now paying £201 a month towards my student loan. That money will be really useful once I've paid it off - only £1800 to go by my calculations...

DontDoDebtKids

Hi all,

As the petrol light just came on at lunchtime, I decided to go and fill up the car...

The previous week (4th June) I filled it up after 337 miles at an average 32.2mpg...

This week (now it's the 14th June) I filled it up after 422 miles at an average 42.1mpg - wow :j

That's a 25% increase in distance covered by pretty much the same amount of fuel!

It also brings my cost per mile down from 14p a mile to 10p a mile. Yippee.

DontDoDebtKids

Oh and I paid with my debit card for the petrol. Credit card spending totally stopped. No more. Not even cashback can entice me. I'm spending cold hard money from now on, I've had enough with credit...

DontDoDebtKids

Aaaargh.

Hopped on to Morgan Stanley internet banking only to find that my manual payment over the phone didn't seem to go through! Grrrr.

I can't deal with this any more. Credit cards are horrible and just seem to exist to cause me stress.

All I want to do is pay the full balance off monthly. Why does it seem to be so hard?

I give up. I cannot wait to see a zero balance, I really can't. I am really looking forward to being shot of credit cards. I want to cancel the card here and now, but I'm going to wait until the balance is definitely zero and then close it.

I can't decide whether to keep the Egg Money card or not. I like how you can front load it and still get the cashback, but I'm not sure I can be bothered...

DDDK

PS I phoned them and apparently they won't charge me anything and I went through the automated payment process again, so hopefully it will work this time...