determined to be debtfree!

abba1772

i'm sure you will be able to pay it off quicker x x x x YOU CAN DO IT !!!!!!!!!!!!!!!!!!!!!

debtfreewannabe321

Well I have sent all the letters off today and feel a bit more relieved ...suppose i just need to wait for all the phone calls & letters now that i am bound to get!

I am going to start a daily spend diary also as i have no idea where my money goes somedays...so pay day seems a good a day as any! I took out £200 today and paid for our car tax (6 months) and also am going to open a saving card with the post office and put £20 on that tomorrow to save towards our next car tax disc. I have my pocket money for the month which will go in my purse and from now on i will be leaving my card at home so i can't be tempted by anything (well i can be tempted up to £40 lol but that's it!) I also took £10 out for swimming on wednesday for the kids (this covers swimming and a mcdonalds after) ...and I ended up spending just shy of £27 in the post office on recorded delivery :eek::eek::eek: -not all of this was letters to creditors but on a few parcels that had been piling up, to go out to family, for the last month! Tomorrow will be a NSD! :rotfl:And i have spent most of my pocket money this week on a bottle of wine and a big bar of chocolate :rotfl: but needs must lol I think i have earned it this week (yes already )

Deeperblue

It seems like everything is in motion now then with sorting out the payment plans. So how does it work? Do you pay CCCS and then they pay the creditors? Or do you just agree to pay the creditors a bit less yourself? Just curious!

Well done on budgeting for all the car stuff. Thats something I don't do at the moment as I figure I'll just pay everything off debt and when these big bills come in it'll just have to come out of the interest free overdraft we have with santander at the mo, but it always feels like a big blow to my debt busting when they come!

debtfreewannabe321

Hi Deeperblue IF all goes to plan, the CCCS write to all my creditors asking for them to freeze interest and charges & i then pay the CCCS every month by DD and they split the money equally between creditors ( i assume when they say equally they mean percentage wise?) and that should be that for 3 yrs and 10 months but he has put into my budget things like tax on the car every month because it was big bills (like car breaking down) that set us off on this long road off debt in the first place ! SO i have been to the post office and they do a savings card which you can use to save for your electric/gas/car tax etc etc and you put your money every month onto this one card and then when the bill comes in you take to the post office and redeem as much credit as you want....i originally went in asking for tax stamps as you used to be able to get a card to save specifically for things but in the 10 years i haven't done this they obviously got rid of them (i was more saving and money savvy 10 years ago....go figure??)

But if i have any extra money also i have to pay to CCCS as if i choose to pay a creditor seperatly i think i am in breach of the contract i signed with them? So when hubby gets back off of tour i will be using a lump sum to pay some debt off and i can't choose what it goes towards. But tbh i don't care so long as all creditors agree to freezing the interest!

debtfreewannabe321

Well i'm still waiting for the repair man!!

I managed to get out this morning though and take out £250 of my hubby's bank (i'm worried creditors will get to it before i do!) I also took out £200 yesterday

so the £450 out...
£20 -eating out for my birthday
£40 - Swimming once a week
£60 - clothes
£140 - savings for school fees, and landlord insurance when it is due
£20 - car tax savings
£40 - pocket money
£27- stamps
£100 - car tax

and any odd change has gone into the change pot.

Am taking another £160 tomorrow to put towards the household budget £120 petrol :eek: (need to do 2 long round trips later this month) £30 for mobile top ups (that's mine, hubby & son) another £10 for eating out and that is it. I'm obviously hoping to stick WELL within budget and be able to put that saved money into a savings account :T after all I have never had a budget for clothes, pocket money, and swimming before! I usually only spent if money was left at end of month (which it never was) I feel quite guilty actually taking that much out to live on even though it is for me & the whole family! Actually just worked it out and £320 is quite fair for all 5 of us i think? It's still more than i have spent on the whole family in like forever! & need to stick to the grocery budget too so i don't have to dip into any of the money above

debtfreewannabe321

wohoo just got an email from T*sco they are refunding me £10 as my voucher didn't go through so that means i was £3 within budget for my food shop this week rather than £7 over

debtfreewannabe321

Grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr (sorry had to get that off my chest) :mad::mad::mad: my hubby's bank has reduced his overdraft by £350!!!!!!!!!!!!!! this means that we have lost £300 of his pay now he was £50 off the limit of it, pay day they reduced it from £650 down to £300 ....this was money going towards the food & other DD's that are due out. I can still manage but it's just the whole point that they have done this with no notice to us that i'm really upset about!!! I was going to send hubby some money too and i can't now ....sorry for ranting just really pee'd off

HAd a rubbish day spending money too....I took kids to a soft play place and the price had gone up so that was nearly a tenner ( i had budgeted £6) and then i had promised them Mc*Donalds which cost another £7, and i needed a shower curtain as i tore my one last night by nearly killing myself falling out the shower so that was another fiver!!! And then i had to buy potatoes as i ordered new potatoes on my food shop instead of jacket potatoes argh! I think i am just going to write today off and pray that tomorrow hurries up and comes!!!

abba1772

how you feeling today???? Hope you're having better day than yesterday x x x x

debtfreewannabe321

HI Abba, today has been much better so far :T I have nearly cleared mine & hubby's joint account to put into our new one on saturday and i met up with my friends this morning for our weekly breakfast (£5 brekkie & drinks) & chat..always feel better after a moan lol.

Also, the money that was taken from our overdraft (£350) i have 'found' the bank after all did NOT reduce our overdraft as i assumed BUT DFH the company we were originally going to for help with doing a DMP had taken the payment out of our account after i cancelled :mad: i called up all guns blazing ready for a fight....and the woman on the other end was very nice and said they had already spotted i had cancelled the agreement within the grace period and had started processing the refund back to me oops, perhaps one day i will let people speak before ranting for 10 mins!

Little one is in bed and my daughter is doing puzzles on the floor so i think it's time for a cuppa and some biccies :rotfl: how's things going your end Abba? x

debtfreewannabe321

Oh and I have also tried to be a little more spend thrift regarding dinners, and the weekly shop and i made a stew the other day which i got 3 seperate meals out of ( i always make too much but usually chuck it away!) so i have one in the freezer, 1 in the fridge for today and we had one the other day next on my menu is shepherds pie which i am hoping to get 3 or 4 meals from to freeze! I'm so glad i have 2 freezers now and never got rid of the spare one