My debt free diary

girlracer

Taken kids to the park today and again i walked, yay for me. Its good being up there actually as i feel me and OH can talk better and more openly about alot of things. FIL sold his car so OH will get some money on weds. Need to pay the rent of £10.20 this week and naylors £5. Next week i will definately be putting it back up to the normal £16 payment. Hopefully cap 1 card will be with me before weds. Going to have to pay vanquis over the phone. £10 will need to go to loans at home. stupid OH taking out more !!!!!! when im trying to get sorted. Not heard about charges yet but i suspect that will takes about 2 weeks anyway.

Scan on tuesday at half 2/ Shall find out if its a boy or girl. I know the next couple of days are going to go really slow. grr

OH brother now moving on 4th so hopefully MIL and OH will have a car boot not long after that

girlracer

had my scan and im having a boy!! Got my cap 1 card and paid vanquis £148.91 bringing my vanquis down to £130 which i hope to repay by the end of september. Still waiting to hear about bank charges being refunded. Having insulation put in on 5th september and radiator rehung on 7th. Im keeping up payments on my rent account. Making small payments to provident, havent heard from homebuy yet r.e reduced payments, think he may come next week though. Got a cot from the auctions. It was origanally from john lewis so for £40 its a bargain. Epsecially as FIL paid for it lol

girlracer

OH and MIL meant to be doing a car boot on wednesdaybut will see how weather is. Had a letter from vanquis who are looking into charges and nationwide have sent me an income/expenditure form which i have sent back. Got to get kids some shoes tuesday. There back thursday bless them. theyve been soo bored. Got to pay £10.20 rent arrears, £20 naylors, £10 loans at home and make a payment to capital one.

girlracer

Loft insulation and radiator done. Waiting to hear from deya about delivering yellow pages again. OH and MIL tried doing a car boot today but it got cancelled so they are doing one sunday hopefully. Had a provident manager at the door wanting me to pay £12.50 a week and even though i told them i couldnt afford it, he kept pushing, so im paying £2 a week and they can lump it, all my other creditors have been great.

Rang healthy start and they have my application and its being processed. Not heard about the discretionary housing payment or bank charges yet. If i get my bank charges back from nationwide of £45 i can pay this off naylors seeing how they have been so reasonable about me paying less each week. Waiting on credit card statement too.

Got another scan friday, hope my baby boy moves this time, lazy bum. And as i promised i havent used my simple be account.

Also 2 ccjs have come off my credit file this month

girlracer

Had aletter fromHomebuy and i owe £150 less than i thought yay

girlracer

Hmm just checked my online rent account and it appears i owe less there as well than i thought i did but im keeping on eye on that as it seems weird how i worked it out nearly 100 pound wrong
MIL and OH did a car boot
MIL made £140 we made £23
not much else to report just keep paying what i owe and try and get rid as much as i can before baby
least the radiator and loft insulation is done now
had to write another letter of complaint to my Housing Association R.E windows grrrrrr

girlracer

Did work my rent out wrong i owe £300 pound just checked my online rent statement
just going to make overpayments when i can
think nationwide have refunded my charges
but not sure yet, not had a letter and theres no nationwide banks near me

girlracer

It was Nationwide that refunded me yay just gotta wait on vanquis now
paid £2 each of the provident yesterday
need to pay £5.20 to rent as only had a fiver on me yesterday and naylors tomorrow of £16 and lah4u £10
paying vanquis £20 and cap one statement want min of £5 but will defo pay more than that
Sick and tired of always feeling sick and tired atm OH got some jobs to ring for, and i will sit by him while he does
hes not lazy he just not v confident on the phone, not a people person lol
Eldest had some problems at school with another girl, funny she not been in since there barney last week but thats a whole other story i wont bore people with
onwards and upwards so they say hmmm lets see how it all goes

mandz1

Congrats on your bank charges.

girlracer

Got two rounds from Deya delivering yellow pages starting on 10th October the money will come in handy for xmas