KP - Fantastically Fervent MoneySaving Super Fan? Must try harder :mad:

Keeping_Positive

Well

I have truly messed up in the last year some needed due to a change in circumstances but the rest just me going back to bad habits. I have been doing an ostrich act for the lact few months in calculating my true debt figure. The truth is:

Tesco CC 2600 16.9%
Citi CC £1262 apr? but loa and LOB
Natwest CC £1053 17% ish after end of deal
Natwest Loan £8500 6.9% 3 years left
Natwest OD £1155 16.9% - as off today
Catalogue £650 nil apr until April next year for 400 and sept for the rest.

Total a very horrible £15220 not far from my £17900 starting point three years ago :eek:.

Plan is to live very scarcly until pay day so hoping to keep OD the same or better and make CC payments for all three cards. Monthly budget to follow.

Keeping_Positive

Budget:

Rent : 595
C Tax : 60 until april then 100 ish
Electric : 40 - need to set up DD
Water : 15 - need to set up dd
TV licence - 35 - guess as new address and they start off with higher monthly payments
Charity :5
Cancer insurance :6 - should get all this back in 8 years or so and its a comfort
Loan :224
CCards : 180 (part of this will be a cheap three year work loan hopefully to cover the expensive two ccs and OD
Food/entertainment inc kids £200 - will need breaking down and maybe envelopes or piggy banking
Home contents £8

Total £1370
Income £1538

Leaves £168 for overpayments and/or child support if EX needs (he doesnt want any for the first year but I will support where needed. Part of debt has been supporting two homes for the last few weeks.

Keeping_Positive

Hoping to keep the food/entertainment budget down as it doesnt take much to feed one but kids at weekends etc as I have found eat an awful lot!!

Car costs and phone generally covered by work

Have shares as back up but low value so leaving and hoping they recover first

Trying to avaoid getting phone/BB and Sky as thet will be another 50 ish a month so have freeview/ limited work internet and mobile.

Right thats all I can think of right now just so annoyed and embarresed I let it get back so high.

For anyone who doesnt know me - I have three beutiful kids but recently split with their Dad who is the main carer as I work so best for me to leave

beanielou

Happy shiney new diary.
Really hoping that it all works out for you hun xxx

taxi73

hope it all works out for you x

dizzy_lizzie

New diary new you KP. We must set some new challenges together.
Especially on the money front. I like to have a peep on here now and again
http://www.frugal.org.uk/ Might give you a few ideas.
Luvz Dizzy x

Sorry KP just edited to say just noticed your message on mum2one's thread re; colour for toothache. It's blue to blue-violet just in case you need it again.
x

Keeping_Positive

Thanks Taxi and Dizzy

I like blue and violet so will try that when it plays up (fingers crossed ok at the moment. Must book appointment with Dentist even though it will be another £50 . Cant say I dont have time but I now live above them !

Mini challanges aka Hypno style

1500-1700 calories a day allowing for the odd naughty day
2 times 10 mins on rowing machine
Live on cash in purse (goes checks.....£32.64 )till pay day two weeks away

taxi73

good luck with the challenges

hypno06

You can do this!

Keeping_Positive

Well diet going ok a few more calories than Id like yesterday after a friend came round and I had a bit of naan bread and a few mini choc bites - still shouldnt be too bad though. Spent £2.72 at the shop and didnt row but have this morning. Trying to forget about the remaining mini bites...

Weight this morning 12st 5lb but aim is to be able to fit my current clothes properly rather than stretch them :embarrased:

Going out Thursday and Friday, thursday will be free but friday not each time need to watch the calories.

Working from home but not quite got started yet.

Good/Bad news is I have to interview for the perm promo again in the 26th. Annoyed that I wasnt good enough to get it automoatically but at least its a 50/50 chance and will mean an excellent pay increase that will help enormously so really need to prep well.

Keeping_Positive

hypno06 wrote: »

You can do this!

Thanks I feel so much more confident recentely