Mandz1 is finally sorting it out!

mandz1

Few payments made yesterday, few pennies transferred to savings.

Food has been brought this morining, done a few jobs around the house.

Managed to get a few bits for birthday presents yesterday, including cards for both boys. Paid mum the money i owed her for trhe paint for boys bedroom.

Not much else to report. Need to get my credit report at the end of next month as something should be coming off and i will need to check that it has. Thinking about getting another budgeting loan to reduce my rossendales debt to half and then can just repay the budgeting loan through my benefits. or i could just save up all the extra i will be getting as i have just finished paying off a budgeting loan, then can pay rossendales off that way. hmmm

Anyway enough rambling. better check see if there are any surveys avaliable

mandz1

Well back has been hurting since yesterday, taking lots of paracetamol and ibrofen, if it still hurts tomorrow ill ring doctors.

Been to new leaf today, have been off the fags for 4 weeks now. my advisor has dropped me from step one 21mg patches to 14mg step two patches. Slowing reducing.

Couple of small payments to the debt, not alot but every little helps.

mandz1

went docs yesterday and got some pills to help with the pain. still hurting but its not as bad as it was on sun/mon. determined to get some stuff done today, even if it means being in pain

mandz1

Its my ds2s birthday today, cant believe he is 3, its gone so quick. Hes opened all his presents and is very pleased with what hes got, as is his brother who is playing with it all aswell.

We are going to the playcentre for a couple of hours and they are seeing their dad for a couple of hours at some point today aswell so i will be out all day.

Birthday cake is done and we will do that later.

mandz1

Well, today i got my child benefit and its all nearly gone already. I have made payments to rossendales and ncc and i have put some money aside for my mum when she comes up on friday. only one more payment to my mum and my oven will be paid off. That means i can put the money to another debt aswell then.

Need to go and get some fruit soon, so me and ds2 are going to take a small walk to morrisons in the sunshine.

Been doing alot of cleaning recently to try and get rid of stuff i dont need and make the house a bit neater. doesnt help when the boys keep chucking their toys everywhere.

Washing is on the line so must bring that in, should be dry by now as its soo lovely today. I have also done a little gardening this morning. I have a dirt patch at the side of my fence and my ds1 kept playing in it so i have put a bit of fencing/border round it and placed some bark on top of all the mud. at least he may stop getting so dirty now.

mandz1

Well today i have paid £10 to lewis debt recovery and £25 to NCC. Had to keep £40 back and make sure i dont spend it as this is for my direct debits for tv licence and water, which comes out on the 1st june.

So far this month i have paid £215 in debt payments, this includes money owed to mother aswell, so it is an improvement on last month even though i have had a lot of birthday presents to buy this month. Dont know whether i will be able to make any more payments this month though.

I have restarted my diet and i am on day 2, so far so good, not eating alot of rubbish and trying to eat more fruit instead of chocolate. Tonights dinner is mash, veg and chicken, going to give myself a smaller plate so i can make my portions smaller.

Bit of cleaning done.

Debt is nearly under 9.5k now

I also have an appointment on tuesday to see if i can get a £130 refund from my energy company. I recently had insulation topped up from the council and the bloke came around yesterday as he forgot to mention the refund bit when it was first done. He booked an appointment in for tuesday so will see how it goes. better in my pocket than theres and that could be an extra £130 off my debt.

My ds2 has been watching postman pat for the past 5 days as i brought him some dvds for his birthday, something i am no starting to regret. Hopefully he might give them a rest tomorrow.

mandz1

ok so things i need to do tomorrow
i am making a list so i will do it.

1. go docs
2. do food shopping for the week
3. clean kids bedroom again
4. try and get mum to help me move my freezer from one cupboard to another
5. txt my mum first thing to ask her to bring drill up
6. put up shelf in my bedroom cupboard
7. sweep and mop living room floor
8. ironing
9. do any surveys that are avaliable
10. wipe down surfaces in living room

Cant think of anything else yet, but theres always odd jobs to be done and found.

Also need to have a look into getting a few small presents for my ds1 birthday next week. My kids seriously dont need any more toys so i may look for some clothes or shoes etc.

mandz1

Have just worked out that since starting my debt free journey, i have paid off 40.5% of my debt.

Just need to pay the other 59.5%

Theatregal83

Woo congratulations :T

clippy_girl

well on debt reduction

and a big well done with stopping smoking. that must take a lot of will power! :j:T