London Socialite Sees The Light

LondonGirl252

FINALLY!!! Payday!!!!

I have so far:
Paid my NW CC
Withdrawn £70 for the next week
Withdrawn £40 for rest of xmas shopping

I realised I need to ring the Halifax PPI helpline before I cancel the card. Im on half a day at work today to finish xmas shopping and pick up visitor parking permits for when army boy arrives (10days!) so when I get home I will call them, try and figure that out and then I can close the account.

I have a list for my shopping this afternoon and will not be going over!! I'm going to go home via Mr S and get some ingredients for more pea and ham soup as Ive nearly ran out.

LondonGirl252

Also, I had said that from next month (due to xmas) I would pay £600 off the debt - increased from circa £550. However as I managed December - the most expensive month in the world - and paid off £582 I figured - why wait. If I increase the debt payment to £600 then in my budget I'm £60.06 short. Thats just 6 NSD's so I'm going to try and save up £60 this month to be able to kick start the debt busting. Also going to add the NSD 'Pot' to my signature, when it reached £60 I'll make the extra payment.

LondonGirl252

I just made the overpayment on the Halifax credit card, so when the direct debit goes out the balance will be NIL

turbo.jet

LondonGirl252 wrote: »

I just made the overpayment on the Halifax credit card, so when the direct debit goes out the balance will be NIL

Yay!!! Well done! Getting rid of entire cards, even if they are small ones can be massively motivating, and the fewer people to pay back each month, the more in control you should feel.

Isn't that one of the cards where they deduct any extra repayment amount from your direct debit when they take it though?

miggy

Very well done for reaching 8% in your sig and all the hard work that's gone to make that possible.

I really like the 'NSD pot'. It should be a good motivator and you will have something to show for it at the end of each month. If I were in a similar situation I would be borrowing the idea but as there it is we combine finances and have £100 a week for housekeeping (love that old fashioned word!). I suppose I should try to underspend on that and put the money aside, which in a way we do as it goes into a jar against overspends. Needless to say the jar is not stuffed full!

Last week I went a bit mad after one mention of allowing ourselves a larger food spend for Christmas so even if it is Christmas week I need to be more thoughtful this week.

How is the lurgy? I know paydays don't officially cure these things but you seem better today!

Oh, and what happened about the PO payment?

LondonGirl252

turbo.jet wrote: »

Yay!!! Well done! Getting rid of entire cards, even if they are small ones can be massively motivating, and the fewer people to pay back each month, the more in control you should feel.

Isn't that one of the cards where they deduct any extra repayment amount from your direct debit when they take it though?

Yay!! Yeah I feel really good I can concentrate on the next debt and pay off one less person definitley!

This is the one where I made the mistake. They take the minimum payment no matter what you've paid extra!

LondonGirl252

miggy wrote: »

Very well done for reaching 8% in your sig and all the hard work that's gone to make that possible.

I really like the 'NSD pot'. It should be a good motivator and you will have something to show for it at the end of each month. If I were in a similar situation I would be borrowing the idea but as there it is we combine finances and have £100 a week for housekeeping (love that old fashioned word!). I suppose I should try to underspend on that and put the money aside, which in a way we do as it goes into a jar against overspends. Needless to say the jar is not stuffed full!

Last week I went a bit mad after one mention of allowing ourselves a larger food spend for Christmas so even if it is Christmas week I need to be more thoughtful this week.

How is the lurgy? I know paydays don't officially cure these things but you seem better today!

Oh, and what happened about the PO payment?

Thank you! I'm hoping that will go up to 10% this month once the other direct debits go out

Lurgy is a bit better thanks, I was feeling fine until I went shopping but going to chill the rest of the day and let it pass!

PO payment still hasnt gone out of bank so they are next on my list to call!

LondonGirl252

Hi all,

Right had quite a successful afternoon!

Left work at lunch and went to the council offices to get parking permits, no problems and had a very nice chatty man! lol I had budgeted £20 and they cost £20.65 so thats good, army will pay back when he arrives so that will be some extra cash

Then made a HUGE mistake. Went to Oxford Street. URGH I hate that place, what was I thinking!? Completely packed, the second I got there I felt stressed and had headache! I got my Nan a lovely scarf bang on budget at £15 then caught the bus to Mr S wondering how on earth I'd finish the rest of my xmas shopping.

Well, Mr S came good! They had the new Cecilia Ahern book, hardback for just a fiver, bought 2 of those for the girls and managed to get everything else I needed! One of the book may turn out to be spare, it depends if my mate at works gets me a pressie! I'l wrap it up and if she doesn't give me anything then I can sell it as new! Or actually, I'll keep it for my bro's GF birthday next year.

Just got off the phone to Halifax, they have raised my complaint about the payment protection I was paying and I will receive a letter within 5 working days with more details.

Now need to ring the Post Office and work out whats happening with that direct debit!

Then I'm going to make another big batch of pea and ham soup inbetween snoozing! Also got my shampoo on offer at Mr S and a voucher for 25p off my next shop as part of their brand match promotion.

What a busy but productive day. No more xmas shopping! woo hoo!! I have come to hate shopping with my new MSE ways, I hate walking around shops seeing things I liked and normally would have bought without a second thought. But I remembered xmas is coming and I'll be able to treat myself after that as I know I have some cash waiting.

Erme

miggy wrote: »

Very well done for reaching 8% in your sig and all the hard work that's gone to make that possible.

I really like the 'NSD pot'. It should be a good motivator and you will have something to show for it at the end of each month. If I were in a similar situation I would be borrowing the idea but as there it is we combine finances and have £100 a week for housekeeping (love that old fashioned word!). I suppose I should try to underspend on that and put the money aside, which in a way we do as it goes into a jar against overspends. Needless to say the jar is not stuffed full!

Last week I went a bit mad after one mention of allowing ourselves a larger food spend for Christmas so even if it is Christmas week I need to be more thoughtful this week.

How is the lurgy? I know paydays don't officially cure these things but you seem better today!

Oh, and what happened about the PO payment?

Och so love that word 'housekeeping' yay go Miggy...do you mind if I 'nab' it hun for my £30 a week budget for food and misc:D..Yay I love the old fashioned words for things generally

Yay go you for paying off Haliderriere LG...so proud of you :T....

Then once the DD has gone through cancel the whole lot......and return the card cos if you don't return the card they'll probably keep charging you for it (like I found out with .....

Anyhow I made the mistake of paying the whole of my LMB 2 days prior to my DD coming out (and paying by BT which takes 3 days) so now I have the stress of wondering if (a) it's going to come out (when I have no monies - even though I cancelled the DD on Saturday) and (b) if it does come out how much S will charge me (and will they take it off on Thursday when I next get paid that would completely through things) and (b) what will the warning letter about cancelling the DD say? If it doesn't go in tomorrow am (which it should do )

Stress but nae worries...my trust is in the Lord

E

trixie4

Hi, LondonGirl, I've just read through your diary - what an uplifting story! I'm not actually in debt but your passion has wanted me to restrict my spending in a similar way! I'm the same age as you so totally understand all the pressures of juggling social life living in a city. I wish you luck and have every faith in you!

Trixie