Hannah_10's debt-free-wannabe diary.

Hannah_10

Note: £10 paid off rent arrears yesterday (late), £5 to sister today, elec debt standing at £101.95, gas debt still not bloody going out.

Cleared...
[STRIKE]Council tax arrears £161.29[/STRIKE] Cleared
[STRIKE]Empire £131.00[/STRIKE] Cleared
[STRIKE]Yes Insurance (car) £338.23[/STRIKE] Cleared

Under control...
Electric arrears £158.85 Now £101.95
My Sister £450* Now £275*
Rent arrears £779.28 Now £614.28

Not under control...
Barclays Bank £2268
Gas arrears £599.03
Moorcroft/Orange £539.65
Water arrears £463.58
Aviva £105.12

This makes a total original debt of £5994.03, of which I now have paid £1028.42 (17.16%) and have £4956.61 (82.84%) remaining.

Hannah_10

Right, having now done that, it's time to make a couple of admissions...

But I just wanted a nice new total before I did, at it was a lovely total at 17.16% cleared, for the whole ten minutes it lasted it was wonderful...

The water arrears has risen to £574.35
There's been a benefit overpayment, that means a fresh debt of £182
I took on a new debt to the RAC, which I haven't included because I didn't want to, it comes to £71.52 of which I have paid £5.96 (leaving £65.56)

Oh and Aviva's been passed to bloody Westcot

Right so, my original debt total has now got to go up. Ah well, avoiding it wont make it not be there... here goes...

New total debt is £6358.32
New amount paid is £1033.38
New amount outstanding £5324.94

Hannah_10

Latest Totals...

Cleared...
[STRIKE]Council tax arrears £161.29[/STRIKE] Cleared
[STRIKE]Empire £131.00[/STRIKE] Cleared
[STRIKE]Yes Insurance (car) £338.23[/STRIKE] Cleared

Being Paid Off...
Electric arrears [STRIKE]£158.85[/STRIKE] Now £101.95
My Sister [STRIKE]£450*[/STRIKE] Now £275*
Rent arrears [STRIKE]£779.28[/STRIKE] Now £614.28
RAC [STRIKE]£71.52[/STRIKE] Now £65.56

Not Being Paid Off...
Old Overdraft £2268
Gas arrears £599.03
Moorcroft/Orange £539.65
Water arrears £574.35
Wescot/Aviva £105.12
Benefits Overpayment £182


This makes a total original debt of £6358.32, of which I now have paid £1033.38 (16.25%) and have £5324.94 (83.75%) remaining.

Emsky*

I think your doing really well!" Keep it up!"

Hannah_10

Electric now at 94.85
Another £5 to sister

Benefit arrears actually £185.9something (need checking)

Hannah_10

Just made it to the Spar in time to pay the rent arrears at the eleventh hour (ten minutes before the Spar shut down). So rent arrears, sister and electric are to go down, benefit arrears are to go up. That makes it time for some totals then.

Also as well as it being totals time, I've spoken to the DWP, there will be a deduction from my benefits of £9.90 a week, starting on the next payment. So £19.80 then, because I am paid fortnightly. I've moved it up a group accordingly.


Latest Totals...

Cleared...
[STRIKE]Council tax arrears £161.29[/STRIKE] Cleared
[STRIKE]Empire £131.00[/STRIKE] Cleared
[STRIKE]Yes Insurance (car) £338.23[/STRIKE] Cleared

Being Paid Off...
Electric arrears [STRIKE]£158.85[/STRIKE] Now £94.85
My Sister [STRIKE]£450*[/STRIKE] Now £270*
Rent arrears [STRIKE]£779.28[/STRIKE] Now £604.28
RAC [STRIKE]£71.52[/STRIKE] Now £65.56
Benefits Overpayment £185.97

Not Being Paid Off...
Old Overdraft £2268
Gas arrears £599.03
Moorcroft/Orange £539.65
Water arrears £574.35
Wescot/Aviva £105.12


This makes a total original debt of £6362.29, of which I now have paid £1055.48 (16.59%) and have £5306.81 (83.41%) remaining.

Sessie

Wow! I've not been in your topic before now - I get so caught up in ALL the other diaries but... wow Hannah! You're doing SO SO well, I'm really impressed.

You're so right about actually putting it down in black (and sometimes blue and red in your case!) and white so you can't hide from where you are, SUCH a good idea.

Have subscribed so now you have another MSE-er watching you so if you feel one of those, "I can't be bothered today.." moments coming on.... I'M WATCHING!!!

x

isy1011

Hi Hannah. Just read your diary. Good luck with it all. Just as a side issue....and probably out of line....but I'm not sure what job you do Hannah but you say its quite a hard physical job and you are on sick. Reading your posts to others I think you are wasted. You seem very sharp. (sorry to comment but Im a lecturer and I hate to see unmaximised potential:))

Keeping_Positive

Hi Hannah

Fab diary you are doing so well despite the small hiccups along the way.

Hannah_10

Sessie, Isy and KP you are all far too kind!

Just a very quick note, electric meter reading £91.90 debt remaining. That's a little more off anyway.

I may not have to keep this up forever, I am considering a DRO. Feel a bit guilty saying that, but honestly I am tired of scraping up quids here and there. Here's the link to a thread I've started on the bankruptcy board, just going off there to post now.

https://forums.moneysavingexpert.com/discussion/2723443