BOB'S CUNNING PLAN 2- 'Cos the other one failed and i blame Baldrick

boredofbeingathome

Well there we are- after much persuasion-NAGGING from ISOM and El:p, i am back again- like a bad penny i keep turning up every so often.:D:rotfl:

I feel like i should insert some Blackadder style music and lyrics here..


So pick a tune Blackadder style:

Bob, she had a Cunning plan
Baldrick- he had one to-oo
He didn't always understand
so Bob was always in the po-oo( the last one warbles a bit longer)

Black adder, Black adder
etc... feel free to add your own bits here :rotfl:

So where am i on the Cunning plan front?

Well current joint debt stands at- £12,000 and less after payments go out tomorrow:D
Of that balance:

£2000 will go immediately his bonus gets paid in- so joint overdraft( which i don't use but is in joint names) will be gone. I have enough money to clear my car-£2000 and will get a rebate off that. Or i could clear a credit card which i had originally balance transferred onto- but is now attracting interest of 16.9%. I am in a bit of a dilemma with it as i want my car to be gone:o.

That leaves a joint loan- 1 year to run with Natwest- no rebate there so not worth clearing. £3,000

Three credit cards-£4,200
Two of which i took to balance transfer. ( I know don't shout- but he would have gone under other wise and i did it a while ago)
One store card- which will be cleared this month as balance was £90

Car loan-£1800 after small rebate of Gap insurance.

Not quite accurate figures as i will have more up to date ones when payments go out.

So potentially jointly will be under the 10k mark in the next month...that is however not including Mr.B's debts. But i am not concentrating on those:cool:

So my Cunning plan for this year is simples- clear the joint debt and plan a life:D

As Skinty once said- 12 months and counting.:D

That's it really- barring any sudden emergencies. Oh and DD2 at Uni- but i am keeping that separate.:D

Most of you know what i have gone through lately and I want to knock this all on the head for once and for all. I decided long ago that i will no longer be responsible for any antics Mr.B gets up to. I find it is the only way to cope. I am shouldering the joint stuff and allowing him to clear his stuff.

Currently i also pay the Mortgage and the food- so finances are evenly split in that respect. I hope to sell the house in the next year and that will relieve a lot of pressure. However i will have to save and have things updated etc. in order to sell and make a bit of profit. Will be left with very little but at that point things should be sorted jointly wise and well i can make a decision then- but that is another Cunning Plan:D.


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In_Search_Of_Me

Very proud of you!
Well done on new diary...a friend of mine and I are having a f**** off year (she is doing better than me for obvious reasons...maybe mine is a two year process!) but looks like this is yours...the path to...well you! Theres light at the end of that there tunnel... and remember that if there are stumbles along the way I think I speak for us all when I say that no matter what happens we'll be here to pick you up as and when you need it Lots of love my lovely Bob....

boredofbeingathome

In_Search_Of_Me wrote: »

Very proud of you!
Well done on new diary...a friend of mine and I are having a f**** off year (she is doing better than me for obvious reasons...maybe mine is a two year process!) but looks like this is yours...the path to...well you! Theres light at the end of that there tunnel... and remember that if there are stumbles along the way I think I speak for us all when I say that no matter what happens we'll be here to pick you up as and when you need it Lots of love my lovely Bob....

Thank you for that- i may not post every day as i still need to sort a few things out. But i have some budgeting strategies etc i will be putting into place.
I rather like the thought of treading paths- ask El

The_Dragon

Yay!! Bob has a smart new diary AND less debt - good news all round there then!:beer:

OliveOyl_2

I'm subscribed
And then back to lurking

All the very best for the next 12 months - they'll FLY, which is sometimes good, sometimes not so.
It is only 5+ minutes since ours left for uni, and we have more money than ever now they are almost "independent"

taxi73

Great new diary and lovely that the debt is coming down...so all good on your front.

hypno06

Wibble xxx

boredofbeingathome

The_Dragon wrote: »

Yay!! Bob has a smart new diary AND less debt - good news all round there then!:beer:

Hello Lovely Dragon- i have been keeping up with you too. Here's hoping for all of our challenges :beer:

boredofbeingathome

OliveOyl wrote: »

I'm subscribed
And then back to lurking

All the very best for the next 12 months - they'll FLY, which is sometimes good, sometimes not so.
It is only 5+ minutes since ours left for uni, and we have more money than ever now they are almost "independent"

Faints with shock:eek: :jLovely to see you Olive and i do hope they become very independent soon and not - if you see what i mean:o:o:o:o

boredofbeingathome

taxi73 wrote: »

Great new diary and lovely that the debt is coming down...so all good on your front.

Well it is a lot more positive Taxi, i didn't realise but a lot of it has been cleared. I have been on credit expert for exact figures, but they seem to be a bit behind. I am slightly out on the NATWEST one, but there is a payment due out tomorrow. So will update that properly then.

Lovely to see you here BTW:D

boredofbeingathome

hypno06 wrote: »

Wibble xxx

And Turnips :rotfl: