Starting Again

Skint_but_Optimistic

Well today I had a payment from the CSA in, and a paypal transfer.

I divide my incomings by 5 n-power will be treated the same!

1. is for cash or savings. I keep a £100 float and then I save the rest in my savings account. Just a small buffer, this isnt the emergency fund, that is treated as a debt.

2. goes to my spends lists. I list any spending on my credit cards, I settle all NEW spending on a month by month basis, and I eat into the old spending, so the balances are going down. I list all my spending and sometimes I trend it, when I am really nerdy...

3. "Getting ahead with the monthly bills" I still do this, and its the rent which is the pricey one, so I pay money off the rent (via a credit card might save a few pennies interest if it all hits right)

4. Snowballs. I make payments against the snowballs, chip chipping away at those nasty niggly ones.

5. Defaulted payments. Additional payments to these, so I can get rid, perhaps get a better rate credit card, balance transfer this side of retirement. This is done on a pro rate basis to the debt, I pay 90% to one and 10% to the other!

Madness but it keeps me going.
Thanks for asking.

No sign of N Power yet...

Skint_but_Optimistic

and merry xmas!

debtfreewannabe321

hmmm that's an interesting way to do it! I should do something similar really as we need to get our emergency funds back up after spending all on car and other bits .... gonna have a think and steal your idea

dfw x

Skint_but_Optimistic

It works for me - its the extra money which comes in, it will be suspended in January as I will need to bang cash away for my holiday in February but its how I am going right now.

Skint_but_Optimistic

Listed and sold a fair bit ebay, I have made 200 quid in the last month.

Had some upsetting news today, the husbands gran is not well, shes recently had an op and we were seeing her in hospital the other day. She is choosing to have her feeding tube removed, its upset me and the husband, he is having ten minutes on the computer, I am on the laptop. Not sure what to say, but shes made her mind up.

We love her, and want her happy. Its hard to accept things for other people which goes against what we want.

Visiting her again tomorrow.

debtfreewannabe321

i'm really sorry to hear about hubby's gran. Big hugs to you all xxx

Skint_but_Optimistic

Thanks. She had adopted me. Shes so vibrant and full of life, but now at 88 just wants to be with grandad. She had to have a major op which saved her life, however the impacts of the operation would mean a change to her normally independant lifestyle.

She is just exercising her right to choose.

Paypal money in today, split and divvied. NO sign of N power, pah.

Tomorrow, tax credits, Friday is payday.

Something every day just incase N Power let me down.

Kinda looking forward to the phone call to them!

Skint_but_Optimistic

Thats an unofficial granny adoption of course!

gargrave50

Hi Skint,

Sounds all very busy at the mo. I'm sure I too suffer with the short days and darkness - the only resolution is to move down under with me .

Look forward to a synopsis of the telephone conversation from NPower!

Skint_but_Optimistic

Ooh ello J,

yes I am trying not to display negative insantity, instead I am displaying positive insanity.


inside I sometimes feel like shredding paper.


Uck

anyway, glorious rain and gale force winds, just the ticket.

K :-)