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Carpe Diem... My new aim in life!
Comments
-
The Boring Stuff: Challenges
Weekly Spend Challenge 19 Jun 11 - £10
19 Jun: £02.75 - Starbucks -- Remaining = £07.25
20 Jun: £03.00 - Drink
Remaining = £04.25
21 Jun: £04.01 - Tesco
Remaining = £00.24
21 Jun: £00.20 - Terramundi - Remaining = £00.04
21 Jun: £00.04 - Jelly Baby - Remaining = £00.00
June No Spend Days - 10 NSDs
10 NSDs is ideal
NSDs: 2/10
8, 15, 23, 24, 25, 26, 27, 28, 29 Jun
£365 in 365 Days
Started challenge late with 215 days to go in 2011.
Am aiming to make up the 150 days I've lost as well.
215 Days - £22/£215
May Total: £01/£01
Jun Total: £21/£30
01 Jun: £1 --- 09 Jun: £1 --- 17 Jun: £1 --- 25 Jun: £?
02 Jun: £1 --- 10 Jun: £1 --- 18 Jun: £1 --- 26 Jun: £?
03 Jun: £1 --- 11 Jun: £1 --- 19 Jun: £1 --- 27 Jun: £?
04 Jun: £1 --- 12 Jun: £1 --- 20 Jun: £1 --- 28 Jun: £?
05 Jun: £1 --- 13 Jun: £1 --- 21 Jun: £1 --- 29 Jun: £?
06 Jun: £1 --- 14 Jun: £1 --- 22 Jun: £? --- 30 Jun: £?
07 Jun: £1 --- 15 Jun: £1 --- 23 Jun: £?
08 Jun: £1 --- 16 Jun: £1 --- 24 Jun: £?
150 Days - £24/£150
May Total: £05
Jun Total: £19
01 Jun: £1 --- 09 Jun: £0 --- 17 Jun: £0 --- 25 Jun: £?
02 Jun: £2 --- 10 Jun: £7 --- 18 Jun: £0 --- 26 Jun: £?
03 Jun: £2 --- 11 Jun: £0 --- 19 Jun: £? --- 27 Jun: £?
04 Jun: £1 --- 12 Jun: £6 --- 20 Jun: £? --- 28 Jun: £?
05 Jun: £0 --- 13 Jun: £0 --- 21 Jun: £? --- 29 Jun: £?
06 Jun: £0 --- 14 Jun: £0 --- 22 Jun: £? --- 30 Jun: £?
07 Jun: £0 --- 15 Jun: £0 --- 23 Jun: £?
08 Jun: £0 --- 16 Jun: £0 --- 24 Jun: £?
365 Days - £46/£365
Moving Fund Savings
This isn't a challenge but nice to keep track. I need to save a MINIMUM of £1250 by the end of November. This CANNOT include any money from the payday on the last day of November, it has to be before then. I have budgeted so that I can acheive this from my salary every month, however the plan is to exceed this so I will be trying to top it up here and there, for example:
- at the end of a month, move all little bits left in my current account over to the ISA for the moving fund
- when my Terramundi fills up and I open it, I plan to take some for a Wii Fit, some to buy a new one (!) and the rest is for moving fund
- if I earn vouchers from surveys etc then I should use them to buy presents and use the money I have set aside to cover, e.g. £10 voucher spent on Amazon = £10 from Entertainment budget (temporarily where presents are coming from) into moving fund
Cut Off Date: 29th November 2011
Current Total: £9.10/£1250
18 Jun - £01.85 - From leftovers in current account June
Lets Lose lbs Not £££s - 21 pounds
Goal 1: to lose 10% of my body weight - 21 pounds
Start weight: 210 pounds - 15 May 2011
Goal weight 1: 189 pounds
Weigh Ins:
15 May: 210 Start
20 May: 208 --- Lost --- 2
27 May: 208.5 - Gained - 0.5
03 Jun: 210 --- Gained - 1.5
10 Jun: 209 --- Lost --- 1
17 Jun: 207.5 - Lost --- 1.5
24 Jun:
01 Jul:
08 Jul:
15 Jul:
22 Jul:
29 Jul:
Sealed Pot Challenge 4
Aiming for a minimum of £70 so can buy Wii Fit Plus!
Silvers in Terramundi, Coppers in Jelly Baby
Open TERRAMUNDI on 1 December 2011
Result: £0.00...tba!
___________________________________________________________
More Boring Stuff: Meal Plans
Sat Breakfast: 18 June
Toast with butter and Marmite... *drools* my favourite
Sat Lunch:
Remains of tagine
Sat Dinner:
Pasta with garlicky mushrooms
Sun Breakfast: 19 June
Toast with butter and Marmite
Sun Lunch:
Out for Father's Day
Sun Dinner:
None as late lunch
Mon Breakfast: 20 June
Toast with butter and Marmite
Mon Lunch:
Soup from tin in drawer at work, apple, yoghurt
Mon Dinner:
None - got home too late
Tue Breakfast: 21 June
Toast with butter and Marmite
Tue Lunch:
Chilli with a seedy bread roll from Tesco
Tue Dinner:
Storecupboard sauce and pasta
Wed Breakfast: 22 June
Oats so Simple with almonds
Wed Lunch:
Grain, bean and veg concoction
Wed Dinner:
Storecupboard sauce with jacket potato
Thu Breakfast: 23 June - ANNUAL LEAVE
Oats so Simple with almonds
Thu Lunch:
Grain, bean and veg concoction OR tuna and jacket potato with veg
Thu Dinner:
Chilli with jacket if didn't have at lunch or rice or millet if did have jacket at lunch
Fri Breakfast: 24 June
Toast with butter and Marmite
Fri Lunch:
Hospital Lunch
Fri Dinner:
Pasta sauce with pasta if some left, if not chilli and rice or millet
Sat Breakfast: 25 June
Toast with butter and Marmite
Sat Lunch:
Tuna with some kind of crackers
Sat Dinner:
Chilli or pasta sauce or chicken
Sun Breakfast: 26 June
Toast with butter and Marmite
Sun Lunch:
Tuna or soup or something else!
Sun Dinner:
Chilli?I’m a Forum Ambassador and I support the Forum Team on the Old Style, Crafting and Techie Stuff boards.If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.GC: May 22 £tbc/£250 Vegan 27-8-130 -
So why the F*** did I bother to increase my payments from £111 to £476 a month when actually just by getting 3 of my balances up to date (another 3 which aren't still) it turns out they're F***ing charging me F***ing interest - 12.9% on the little one, 19.9% on the huge one, and 21.9% on a medium one.
After my payment this month I thought I would have a balance of £2359.50. Getting the actuals from those three it is £2665.49 in real life.
That's a deficit of £305.99 - most of the extra I have paid this month. And it's actually probably worse than that as I can't get balances on the other three currently.
Whatever.
Maybe more later.
If I wasn't going home right now I'd be smoking.
As it happens I haven't done that since about 10pm Monday night.
Go me.
Like hell it makes a difference when this F***ed up cr*p is going on in the background. CCCS said it's because I'm no longer in financial difficulty. No longer in financial difficulty???!!! So why the H*LL am I on a F***ing DMP THEN! AAAAAAAGGGGGGGGGGHHHHHHHHHHHH!
:mad:
Don't know what to do with myself I'm so upset and worked up right now.I’m a Forum Ambassador and I support the Forum Team on the Old Style, Crafting and Techie Stuff boards.If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.GC: May 22 £tbc/£250 Vegan 27-8-130 -
Oh LC that's rubbish! Can't you have a word with CCCS? why are they not freezing interest?
Super well done for not smoking honeybunch!
We both have had crappy days *huge huggles*
XxxLife is too short not to love what you do.0 -
do you ever go over to the DMP threads? Someone might be able to give advice over there? Do you call your creditors and touch base every now and then to see what is going on? I call all of mine every few months (well only been on dmp since feb...but have pretty much been on phone to all of them at least 2x) I find if you talk to the right dept, they will freeze interest for you if you explain your circumstances. If you explain that you are never going to get out of the debt if they keep piling on the interest they may stop it all again!
Barclays have only just stopped interest on mine today after i plucked up the courage to ring again lol, the o/d was charging 19% and the loan was around the same !
Don't let it get you down, and wel ldone on the no smoking! keep it up
you can do it!
x0 -
Oh LC that's rubbish! Can't you have a word with CCCS? why are they not freezing interest?
Super well done for not smoking honeybunch!
We both have had crappy days *huge huggles*
Xxx
They're not freezing it any more because I'm now making higher than the minimum payments. That's what CCCS said was the most likely theory. I made a big post on the main DFW forum hoping someone would have some ideas, but unfortunately only got one response. In my head I've worked out a kind of solution actually but it'll take a couple of months to sort out so wasting money in the meantime there, but it's better than nothing. Thanks for your support honey. Why have you had a crappy day? I'll pop over and read later anyway xxxdebtfreewannabe321 wrote: »do you ever go over to the DMP threads? Someone might be able to give advice over there? Do you call your creditors and touch base every now and then to see what is going on? I call all of mine every few months (well only been on dmp since feb...but have pretty much been on phone to all of them at least 2x) I find if you talk to the right dept, they will freeze interest for you if you explain your circumstances. If you explain that you are never going to get out of the debt if they keep piling on the interest they may stop it all again!
Barclays have only just stopped interest on mine today after i plucked up the courage to ring again lol, the o/d was charging 19% and the loan was around the same !
Don't let it get you down, and wel ldone on the no smoking! keep it up you can do it!
x
Hey DFW, yeah i spoke to the three biggest ones yesterday and got up to date balances etc, they've literally started charging me this month as I'm making payments that are now much higher than the minimum payments would have been on the cards themselves. My only hope is the other 3 debts, which are not cards, will not work on this basis as one is a very old mobile bill, one is an old PDL and one is my old overdraft, so they're all fixed amounts whereas the cc's which have strated with the interest are of course rolling amounts due to their very nature.
Basically, I think I'm going to have to continue paying what I am - the overdraft looks like it only needs two more payments anyway, and i'll try and save up money in the background to pay off those three small debts. Then I'll talk to the CC people, get bank details so I can pay them directly, and get rid of the DMP. At that point I'll pay minimum payments on my lower interest ones, and focus on the highest one, and snowball them.
I'm still thinking about it and only had one reply to my post on the DFW thread about it which was annoying.
Anyway, speak later thanks for dropping by honey xxx
I’m a Forum Ambassador and I support the Forum Team on the Old Style, Crafting and Techie Stuff boards.If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.GC: May 22 £tbc/£250 Vegan 27-8-130 -
The Boring Stuff: Challenges
Weekly Spend Challenge 19 Jun 11 - £10
19 Jun: £02.75 - Starbucks -- Remaining = £07.25
20 Jun: £03.00 - Drink
Remaining = £04.25
21 Jun: £04.01 - Tesco
Remaining = £00.24
21 Jun: £00.20 - Terramundi - Remaining = £00.04
21 Jun: £00.04 - Jelly Baby - Remaining = £00.00
22 Jun: £15.30 - Tesco
Remaining = £15.30-
June No Spend Days - 10 NSDs
10 NSDs is ideal
NSDs: 3/10
8, 15, 23, 24, 25, 26, 27, 28, 29 Jun
£365 in 365 Days
Started challenge late with 215 days to go in 2011.
Am aiming to make up the 150 days I've lost as well.
215 Days - £24/£215
May Total: £01/£01
Jun Total: £23/£30
01 Jun: £1 --- 09 Jun: £1 --- 17 Jun: £1 --- 25 Jun: £?
02 Jun: £1 --- 10 Jun: £1 --- 18 Jun: £1 --- 26 Jun: £?
03 Jun: £1 --- 11 Jun: £1 --- 19 Jun: £1 --- 27 Jun: £?
04 Jun: £1 --- 12 Jun: £1 --- 20 Jun: £1 --- 28 Jun: £?
05 Jun: £1 --- 13 Jun: £1 --- 21 Jun: £1 --- 29 Jun: £?
06 Jun: £1 --- 14 Jun: £1 --- 22 Jun: £1 --- 30 Jun: £?
07 Jun: £1 --- 15 Jun: £1 --- 23 Jun: £1
08 Jun: £1 --- 16 Jun: £1 --- 24 Jun: £?
150 Days - £24/£150
May Total: £05
Jun Total: £19
01 Jun: £1 --- 09 Jun: £0 --- 17 Jun: £0 --- 25 Jun: £?
02 Jun: £2 --- 10 Jun: £7 --- 18 Jun: £0 --- 26 Jun: £?
03 Jun: £2 --- 11 Jun: £0 --- 19 Jun: £0 --- 27 Jun: £?
04 Jun: £1 --- 12 Jun: £6 --- 20 Jun: £0 --- 28 Jun: £?
05 Jun: £0 --- 13 Jun: £0 --- 21 Jun: £0 --- 29 Jun: £?
06 Jun: £0 --- 14 Jun: £0 --- 22 Jun: £0 --- 30 Jun: £?
07 Jun: £0 --- 15 Jun: £0 --- 23 Jun: £0
08 Jun: £0 --- 16 Jun: £0 --- 24 Jun: £0
365 Days - £48/£365
Moving Fund Savings
This isn't a challenge but nice to keep track. I need to save a MINIMUM of £1250 by the end of November. This CANNOT include any money from the payday on the last day of November, it has to be before then. I have budgeted so that I can acheive this from my salary every month, however the plan is to exceed this so I will be trying to top it up here and there, for example:
- at the end of a month, move all little bits left in my current account over to the ISA for the moving fund
- when my Terramundi fills up and I open it, I plan to take some for a Wii Fit, some to buy a new one (!) and the rest is for moving fund
- if I earn vouchers from surveys etc then I should use them to buy presents and use the money I have set aside to cover, e.g. £10 voucher spent on Amazon = £10 from Entertainment budget (temporarily where presents are coming from) into moving fund
Cut Off Date: 29th November 2011
Current Total: £9.10/£1250
18 Jun - £01.85 - From leftovers in current account June
Lets Lose lbs Not £££s - 21 pounds
Goal 1: to lose 10% of my body weight - 21 pounds
Start weight: 210 pounds - 15 May 2011
Goal weight 1: 189 pounds
Weigh Ins:
15 May: 210 Start
20 May: 208 --- Lost --- 2
27 May: 208.5 - Gained - 0.5
03 Jun: 210 --- Gained - 1.5
10 Jun: 209 --- Lost --- 1
17 Jun: 207.5 - Lost --- 1.5
24 Jun:
01 Jul:
08 Jul:
15 Jul:
22 Jul:
29 Jul:
Sealed Pot Challenge 4
Aiming for a minimum of £70 so can buy Wii Fit Plus!
Silvers in Terramundi, Coppers in Jelly Baby
Open TERRAMUNDI on 1 December 2011
Result: £0.00...tba!
___________________________________________________________
More Boring Stuff: Meal Plans
Mon Breakfast: 20 June
Toast with butter and Marmite
Mon Lunch:
Soup from tin in drawer at work, apple, yoghurt
Mon Dinner:
None - got home too late
Tue Breakfast: 21 June
Toast with butter and Marmite
Tue Lunch:
Chilli with a seedy bread roll from Tesco
Tue Dinner:
Storecupboard sauce and pasta
Wed Breakfast: 22 June
Oats so Simple with almonds
Wed Lunch:
Tuna rice salad
Wed Dinner:
Chilli with jacket potato
Thu Breakfast: 23 June - ANNUAL LEAVE
Oats so Simple with almonds
Thu Lunch:
Tuna rice salad
Thu Dinner:
Storecupboard sauce with jacket potato
Fri Breakfast: 24 June
Toast with butter and Marmite
Fri Lunch:
Tuna rice salad
Fri Dinner:
Storecupboard sauce with pasta
Sat Breakfast: 25 June
Toast with butter and Marmite
Sat Lunch:
???
Sat Dinner:
???
Sun Breakfast: 26 June
Toast with butter and Marmite
Sun Lunch:
???
Sun Dinner:
???
Mon Breakfast: 27 June
Oats so Simple with almonds
Mon Lunch:
???
Mon Dinner:
???
Tue Breakfast: 28 June
Oats so Simple with almonds
Tue Lunch:
???
Tue Dinner:
???
Wed Breakfast: 29 June
Oats so Simple with almonds
Wed Lunch:
???
Wed Dinner:
???
Thu Breakfast: 30 June - PAYDAY!
Oats so Simple with almonds
Thu Lunch:
???
Thu Dinner:
???
Fri Breakfast: 1 July
Toast with butter and Marmite
Fri Lunch:
Hospital Lunch
Fri Dinner:
???I’m a Forum Ambassador and I support the Forum Team on the Old Style, Crafting and Techie Stuff boards.If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.GC: May 22 £tbc/£250 Vegan 27-8-130 -
The Boring Stuff: Challenges
Weekly Spend Challenge 26 Jun 11 - £???
?? Jun: £??.?? - ?????????? - Remaining = £??.??
June No Spend Days - 10 NSDs
10 NSDs is ideal
NSDs: 3/10
8, 15, 23, 27, 28, 29 Jun
£365 in 365 Days
Started challenge late with 215 days to go in 2011.
Am aiming to make up the 150 days I've lost as well.
215 Days - £26/£215
May Total: £01/£01
Jun Total: £25/£30
01 Jun: £1 --- 09 Jun: £1 --- 17 Jun: £1 --- 25 Jun: £1
02 Jun: £1 --- 10 Jun: £1 --- 18 Jun: £1 --- 26 Jun: £?
03 Jun: £1 --- 11 Jun: £1 --- 19 Jun: £1 --- 27 Jun: £?
04 Jun: £1 --- 12 Jun: £1 --- 20 Jun: £1 --- 28 Jun: £?
05 Jun: £1 --- 13 Jun: £1 --- 21 Jun: £1 --- 29 Jun: £?
06 Jun: £1 --- 14 Jun: £1 --- 22 Jun: £1 --- 30 Jun: £?
07 Jun: £1 --- 15 Jun: £1 --- 23 Jun: £1
08 Jun: £1 --- 16 Jun: £1 --- 24 Jun: £1
150 Days - £27/£150
May Total: £05
Jun Total: £22
01 Jun: £1 --- 09 Jun: £0 --- 17 Jun: £0 --- 25 Jun: £3
02 Jun: £2 --- 10 Jun: £7 --- 18 Jun: £0 --- 26 Jun: £?
03 Jun: £2 --- 11 Jun: £0 --- 19 Jun: £0 --- 27 Jun: £?
04 Jun: £1 --- 12 Jun: £6 --- 20 Jun: £0 --- 28 Jun: £?
05 Jun: £0 --- 13 Jun: £0 --- 21 Jun: £0 --- 29 Jun: £?
06 Jun: £0 --- 14 Jun: £0 --- 22 Jun: £0 --- 30 Jun: £?
07 Jun: £0 --- 15 Jun: £0 --- 23 Jun: £0
08 Jun: £0 --- 16 Jun: £0 --- 24 Jun: £0
365 Days - £53/£365
Moving Fund Savings
This isn't a challenge but nice to keep track. I need to save a MINIMUM of £1250 by the end of November. This CANNOT include any money from the payday on the last day of November, it has to be before then. I have budgeted so that I can acheive this from my salary every month, however the plan is to exceed this so I will be trying to top it up here and there, for example:
- at the end of a month, move all little bits left in my current account over to the ISA for the moving fund
- when my Terramundi fills up and I open it, I plan to take some for a Wii Fit, some to buy a new one (!) and the rest is for moving fund
- if I earn vouchers from surveys etc then I should use them to buy presents and use the money I have set aside to cover, e.g. £10 voucher spent on Amazon = £10 from Entertainment budget (temporarily where presents are coming from) into moving fund
Cut Off Date: 29th November 2011
Current Total: £9.10/£1250
18 Jun - £01.85 - From leftovers in current account June
Lets Lose lbs Not £££s - 21 pounds
Goal 1: to lose 10% of my body weight - 21 pounds
Start weight: 210 pounds - 15 May 2011
Goal weight 1: 189 pounds
Weigh Ins:
15 May: 210 Start
20 May: 208 --- Lost --- 2
27 May: 208.5 - Gained - 0.5
03 Jun: 210 --- Gained - 1.5
10 Jun: 209 --- Lost --- 1
17 Jun: 207.5 - Lost --- 1.5
24 Jun: 207.4 - Lost --- 0.1
01 Jul:
08 Jul:
15 Jul:
22 Jul:
29 Jul:
Sealed Pot Challenge 4
Aiming for a minimum of £70 so can buy Wii Fit Plus!
Silvers in Terramundi, Coppers in Jelly Baby
Open TERRAMUNDI on 1 December 2011
Result:
1st Opening 25 June 2011: £96.55!
2nd Opening 1 Dec 2011: £ tba!
___________________________________________________________
More Boring Stuff: Meal Plans
Sat Breakfast: 25 June
Toast with butter and Marmite
Sat Lunch:
Feta salad (mum left it for me!)
Sat Dinner:
Pizza and chips - from supermarket not takeaway but VERY rare I have stuff like this!
Sun Breakfast: 26 June
Toast with butter and Marmite
Sun Lunch:
Something!!!
Sun Dinner:
Homemade chicken tikka masala OR storecupboard sauce and pasta
Mon Breakfast: 27 June
Oats so Simple with almonds
Mon Lunch:
Feta salad
Mon Dinner:
???
Tue Breakfast: 28 June
Oats so Simple with almonds
Tue Lunch:
Feta salad
Tue Dinner:
???
Wed Breakfast: 29 June
Oats so Simple with almonds
Wed Lunch:
Feta salad
Wed Dinner:
???
Thu Breakfast: 30 June - PAYDAY!
Oats so Simple with almonds
Thu Lunch:
Feta Salad
Thu Dinner:
???
Fri Breakfast: 1 July
Toast with butter and Marmite
Fri Lunch:
Hospital Lunch
Fri Dinner:
???I’m a Forum Ambassador and I support the Forum Team on the Old Style, Crafting and Techie Stuff boards.If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.GC: May 22 £tbc/£250 Vegan 27-8-130 -
Hmmm could you not cancel your DMP now and pay the creditors yourself? Like by paying off the smaller ones quickly maybe and then throwing all extra money you have at the cc each month? I don't know what to suggest really...I think this very same thing happened to someone on the dmp thread though (although had a quick flick through and i can't find it now?!)
I am hoping to offer f&f to some of my bigger ones if DH gets a decent payrise soon (enough so i can save for a few months and then offer the money to them) i heard they give good discount if you offer to do that?
Not sure what else to suggest really but don't let it get you down too much (i know, easier said than done
)
DFW x0 -
thanks dfw
I've now worked things out and I've decided that when my payrise kicks in at the end of July, that'll be the first one so I'll save it as planned as don't know what the exact monthly take home will be. So my payment on 1 July and 1 August will be the same to CCCS. Then as of my end of August pay, I'll know the extra, so I will add that straight onto my DMP. Should be about £150 extra. I was planning to put this in the moving fund but debts take priority, however I should still be able to save in the background. I've worked it all out and added even more for contingency and interest, and I should be able to make my last payment in Dec now instead of Nov, and IN THEORY still move out in December. If I've done my budgets right, I've already found a couple of mistakes so I'll be constantly re-assessing as I go along anyway, but I always do!
I don't want to cancel DMP at the mo as two of the smaller debts are nasty ones - one is a DCA for an old phone bill and charges (the DCA is Credit Solutions Ltd which is associated with Cougar...don't want to contact them unless I absolutely have to) and the other one is WDA which is a payday loan. I really don't want to contact either of these until I have to so we'll see how it goes. I've now finally got my balance on the fourth "OK" debt, which is an old Santander overdraft, and whereas CCCS thought the balance was 283, they told me it was 591, however then we worked out that wasn't showing this months payment which seems high for the amount ofdebt, which was 113, so balance is 477.86 - still nearly double what I thought however on the plus side they are 0% and are honouring this until it is paid off, so that's one piece of good news.
I'm so bummed about it really, feels like I've just wasted 400 this month, although technically I haven't, I just know about it now!
Hey ho, I feel a bit happier now I've jigged my budgets again.
My mum and dad randomly went away for a couple of nights this morning, so have the house to myself this weekend which is lovely, and I'm being really naughty and having Dr Oetker pizza (half price), Tesco Finest chips (notMSE at all!!) and wine (worth £7 but bought on 3 for £12 offer) for my tea to cheer myself up!!! I shall also watch a film but I don't know which one yet!
Have a great evening x
I’m a Forum Ambassador and I support the Forum Team on the Old Style, Crafting and Techie Stuff boards.If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.GC: May 22 £tbc/£250 Vegan 27-8-130 -
Hello chicken!
This sucks about your interest, I guess you know about it now so won't be as bad as getting to your debt free day and realising you still have a truck load of interest to pay!
The pizza and chips sound awesome, plus you're so like me it's ridic!
Hope you're ok and don't let the b*%#tards get you down!
Huggles
XxxxLife is too short not to love what you do.0
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