Immoral_angel's Debt Diary

JET34

vickitoria100 wrote: »

i thought you bought one from Iceland IA??

I think that was just a fridge and Bunny kindly gave IA a freezer:j

vickitoria100

i see! awh, doesn't it give you a warm fuzzy feeling inside that us MSErs can be so lovely?

tigzem

Yay for Bunny.... how lovely and kind of you. :beer:

beanielou

Bunny is the best, Bunny is the best,Bunny is the best....................

skintbaby

hi sarah, congratulations on getting to grips with your debts you have been an inspiration to me as i am just starting out to clear my debts.
i have
Next store card £1018
Capital One £1071.06
ics £468
Cahoot £997
cahoot £388

i have already missed payments and am dreading the mail arriving each morning. i am going to confront this mess today and have worked out that i have £250 a month to pay of these debts which is not a great deal itis going to take me forever!!!!!!!

beanielou

Hi skintbaby
Welcome to MSE.
If you start a new thread Im sure that you will get a great response.
On the page where the threads are listed , near the top, there is a ' start new thread' button.

poodlehorse

And when you do it would be a good idea to say what the APR is of each debt and post a full list of you income and outgoings each month. The more info we have the easier it will be to help you.

immoral_angeluk

Morning all. K slept from 8-7 last night so the routine is definately working!! Good job as I was shattered last night and falling asleep on the sofa! Ste had to send me to bed for the 2nd night in a row.. lol.

Dotty p's bill arrived this morning. £462.46 due 5th May so going to have to have a look at where the debt account stands after this weekend. HOPEFULLY we should still be able to pay it but the buyer of the old xbox still hasn't paid.. :mad: What a nightmare. The most annoying thing is we haven't got any money left in the petrol budget and only £6.96 in the food budget and we had to chuck a fair bit out of the fridge yesterday! Argh!
Oh well. We'll manage somehow. We always do.

Right, best go look at the banks then... :eek:

JET34

Glad you had a goodnight's sleep!! I have faith in you that you will get through this week on the money front. Lets hope that your buyer cough's up today!!
And you will manage you always seem to!!!

immoral_angeluk

OMG just had the fright of my life :eek:. Checked out internet banking for our main bank and there was only £144 in it!! Nearly died! It was only after I piacked myself up off the floor that I realised it was because all but the house insurance had gone out plus Ste had been to the bank and got out the money for his lesson and test tomorrow. PHEW! Completely forgot that bills were due out and that Ste said he was going to get the money out today. I've worked out the budget and we're still ok... works out like this

in bank £144.45
-£4.47 bills
-£6.96 food budget
-£18.80 transport to cradle
-£30 beer money for cradle

---

= £84.32 / 13 days = £6.48 a day


The dotty p's fund is wounded but not critically thankfully. It could've been a lot worse (It could've been a lot better if the flippin thing hadn't broke in the first place:mad:) BUT if nothing else goes wrong :rolleyes: we will still be able to pay off dotty p's at the end of the month. Works out like this..

£250.03 left in bank
+£64.44 tc
+£64.44 tc
+£120.80 cb (?)
= £499.71

So barring any more disasters we'll be able to pay it off on the 25th. I've not included the xbox money in that either as the guy hasn't paid yet.

We're definately due some good luck.... I'm keeping my fingers crossed that the tax credits come good as we'll be totally reliant on that once my pay ends. In fact I'm keeping everything crossed!

Edit forgot to say that we're so lucky I got paid extra this month!!!