Immoral_angel's Debt Diary

Sea78

ooh a hard one - but as you say, it will help with the debt. You'll have to see how you feel...will you be near her during the day to keep an eye or will you be in a different room?
Good news though - in demand!

Sea xx

tumbleweed261

I agree with Sea, it would be far worse if you were working at a different location to your girls, at least if you know you're nearby incase they need you (and that you will know who's looking after them really well) that should give you peace of mind. And as you say, Ashli went from the same age and loves it, so hopefully it would work out really well for Kaitlyn too. Do you think they would let you try it out, and if it doesn't all go brilliantly perhaps reduce your hours a bit? I haven't got kids so I'm not sure, but would it even out financially if you ended up doing fewer hours because you wouldn't be paying for 2 nursery places for the same amount of time? Ooh I think I just confused myself there!! I hope what I wrote makes sense, but it's been a long day so apologies if not lol

Also, great news on the debtbusting - keep it up!!

tigzem

Well done on being able to pay off a debt... I look forward to that feeling!!

Good luck with the job... x

immoral_angeluk

Today is a sad sad day. I don't know how to really put this....but...





F**K YOU CITI! WOOHOOOOOOOO!

My citicard is officially paid off and closed!:D Feels so good and that takes our total of debt paid off up to £2266.80 and 6 debts paid off in 4 months.

:beer: :j :T :rotfl: :beer: :j :T :rotfl: :beer: :j :T :rotfl: :beer: :j :rotfl: :beer: :beer: :beer: :beer: :beer: :j :j :j :j :j :j :j :j :T :T :T :T :T :T :T :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

Next target is my dorothy perkins card which currently stands at £480.74 and target date is 31st March. After paying off citi we have £75.75 left in the debt account, plus the £23.11 that's due to go in anyday from bingomania.

As I'm not going to get paid until the 10th we'll have to use the tax credits to get by this week and next, and then replace them when my wages go in. But will have to work out the money tomorrow when we know exactly how much Ste's been paid and can work out the march challenge. This is what we should be able to save anyway...
4 weeks worth of TC - £329.72
Child benefit 27th mar - £116.60
saved Council tax money - £99

So add that to the debt account money and bingomania win and that's £644.18! Which will easily pay off dotty p's and give us a chunk towards barclaycard in april. Hurrah! :T :j :T :j :T :j

Bunnyinthelights

IA~
I've said it beofre and I'll say it again, you are an incredible woman and I so admire your determination to become debt free...If I only had half your strength and perserverance I wouldn't be in the mess I'm in today.

As far as the job in concerened-do what YOU want to do, what will make you happy. If you are happy, the kids will be as well. I for one would LOVE to be able to afford to go back to work, lol!

Keep up the amazing job you are doing, you are an inspiration
Bunny x x x

bananakinz

Well done, that is fantastic you must be so pleased with yourselves x

You'll soon be onto the tricky ones!

Whats your target debt free date?

immoral_angeluk

bananakinz wrote:

Well done, that is fantastic you must be so pleased with yourselves x

You'll soon be onto the tricky ones!

Whats your target debt free date?

I'd like to think that we'll have all our unsecured debt paid off by the end of the year ... at which point we can start saving up to pay off the car loan once we're 2 years into the agreement (in a year and a 1/2). Once the car's paid off we'll be completely debt free!

JET34

CONGRATULATIONS Your'll have Dotty P's paid off in no time Well Done

Snaggles

I know how you must feel about Kaitlyn being in nursery from such a young age, but you could see how it goes for a few months, and then see if you can cut down your hours if she's unhappy (sometimes it's easier to cut down your hours when you're already in a job than look for a job with hours that suit you perfectly right from the start). I've had to work 2 years of Saturday nights but I'm now going to be able to go on a rota, which means when I go back, I'll only do about 1 in 8....sooo much better for the social life!

immoral_angeluk

Feeling great today. Kaitlyn slept from 3 right through til 7.30 this morning! I was on late bottle as well so I got extra sleep! woohoo! She did wake up briefly when she would've been due for a feed but settled herself back off to sleep.. (clever girl.. ) Felt a bit sorry for Steve and he got up with her for her 2.30 feed but I SOOOO needed that sleep last night. I was falling asleep on the sofa from about 10pm! lol!

Today is also payday It's just typical that I'm not getting my maternity pay til the 10th :mad: because of my stupid job. Oh well. I've looked at the finances and as long as we're careful we'll be fine and won't have to use the tax credits. I've moved today's tax credts over to the debt account but it's always there if we get desperate and need it.

Will work out a March challenge in a bit.

The girls are both fine. Going to go down today and get K weighed and see how much our little chunker weighs this week. She certainly looks and feels heavier!!!! lol!