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Starting Again

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  • well you know. The car failed its MOT, needed the handbrake sorting so tomorrow is in for a retest.

    Another bad thing is tax credits, we no longer get our 7 pounds a week, boo hoo.

    And my child support is lacking but hey. positive vibes and all that!
    Trying to shift that debt!
  • gargrave50
    gargrave50 Posts: 3,011 Forumite

    Got a new childminder, and its going to be 200 a month cheaper there, too.

    Husband gets a payrise this month, so thats another 150 a month.

    Hmm there was something else...
    oh yes.we can both purchase childcare vouchers so that should save us 75 pounds a month. I am going to sign up for mine tonight.

    All go. Hope everyone is ok. The dog who had the stroke is doing famously. She was trampolining again with my son yesterday.

    So much good news - the savings on the mortgage, childminder and hubby's payrise!:D

    Fantastic news about the dog too, all sounding good K xx
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • one step froward and 2 steps back. Welcome to my world :) but we just need to turn this round to 2 steps forward and an odd one back
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • This is how it goes, although the car has passed its MOT its meant that my previously cleared Capital one card is sporting a balance. Nevermind. I shall chip chip away at it but I have other fish to fry first!

    Today I am at work looking at the rain out of the window. Last week on holiday was marvellous, and I am off again at the end of the month. Managed to successfully sign up for the childcare vouchers, which is going to help us massively.

    Sold another 40 pounds worth of ebay this weekend, steady away. Although out of that I need to take some money for postage bags and the postage which the husband owed me from last week. But still, not bad.

    No news as yet regarding the right to buy stuff, hope the housing association keep to the plan and let me know SOON!!
    Trying to shift that debt!
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Morning Skint,

    Lovely to see you ploughing away still and I hope you are feeling ok these days.

    Although we all have different situ's - I find it comforting to know we're in it together - virtually!

    xx
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • yes of course. I need to do my totals really. I am not very good at doing those!

    However I want rid of AMex and Vodafone at last, and then I will really feel like I am making some progress!
    Trying to shift that debt!
  • Well done for moving to being a 2013'er I will try and make a push to get there too!
    Trying to shift that debt!
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    hey skint it sounds like things are on the up x
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • its getting better, slowly but surely! one day at a time and all that!

    Hope to hear back about some PPI soon. My ex husband was repaid the mortgage PPI so thats dead in the water.

    Pfft!
    Trying to shift that debt!
  • mummychicken
    mummychicken Posts: 351 Forumite
    Hi Skint, well done on continuing to tackle your debts, you are doing fab. I fell off the money saving bandwagon :( but am proud to say, i have given myself a strict telling off and started a new diary.
    05/03/14 £15,980 0n 2 CCs
    07/04/14 £15,690 On 2 CCs

    :eek: :(
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