Missy Moo's Pregnant! The race is on to pay off the debt and get my life sorted!!

kavics17

Glad tooth is sorted, now it's time to rest. I can't believe you're already halfway there, when is your dd? My friend had her gender scan yest and is expecting a little girl, so excited for her!

missymoo81

16th November hun. Well I've done one lot of washing and hung it up and another is in the machiine, have been and picked up baby bits, and have phoned up about my loan, I still owe £650 at 24% interest, along with the £700 plus 14% interest on my CC, this is going to be pretty hard to shift by september, it is more than I thought it was, I guess the interest soon adds up. Not sure what to do, the bank have offered me a 0% interest CC for 16 months but would have no idea how to transfer everything or how much they would give me. I guess I could apply and find out? Then once paid off I could cancel my other CC, having two would just be too tempting! I have just spent a whopping £65 on diesel (so not a NSD but saves me rushing around to do it tomorrow) to fill the car up, have checked the mileage thingy which I can't zero and it says 4516, so I am going to drive very carefully and see how far that money gets me. I would love it to last me until next pay day (21st July) but I cant see that happening! Think I'm going to have a bit of a sort out and a tidy up this evening, hate the house being in such a mess, am willing it to rain properly so that I dont have to go and water the plants! Was really good today until I slipped up and had a cake and a biscuit at lunch time, really need to eat more healthily, am going to have my soup for dinner as I ended up having a paid for school dinner for lunch as I had to work. Keep getting heart burn and indigestion, really not nice!

Right, what now?

missymoo81

right just warmed up some soup and am going to sit and work out how exactly I am going to pay my bills off!

missymoo81

ok have just worked out I owe a total of £1400 :eek: which i know isn't a lot to some people, but I only earn £641 a month and my maternity pay starts in september!! :eek::eek::eek:

How on earth am I going to sort that, oh and I need spending money for venice, oh and theres christmas to think of!!!!!!! :eek:

deep breaths missy, deep breaths

Mags30

My debt level is relatively low too but almost all of my income is going on mortgage and bills so I know what you mean about how difficult it is to pay it back. I don't have a solution unfortunately, except ebay, mystery shopping, bargain hunting for everything you need, etc. You'll probably end up with loads of baby stuff you can ebay later.

missymoo81

thanks mags hun, think i have more or less come up with a solution...... but watch this space, im now thinking ahead to when my maternity pay runs out and my OU courses etc!!!

Mags30

missymoo81 wrote: »

think i have more or less come up with a solution...... but watch this space, !!!

Sounds interesting

youareallhelpingme

Don't stress hun, you just need to be focused. You keep trying it but this time you have an extra special reason .

Would it not be better for DH to just pay it off so you arent paying any interest. Either that or stop stressing which causes you to spend and just pay what you can and when!

Have you still got the chickens?

missymoo81

OMG I just typed the longest post explaining it all and it has been eaten up by the computer, I am so cross!!!!!

mummytogirls

Hi Missy just came across your dairy. Have you remembered that you will be getting child benefit and maybe tax credits once baby is born? Thats all extra towards xx