Third time lucky

natlie

I am back in work - well kind of, I am on annual leave instead of maternity leave and am looking forward to my first full pay since last August
No news on job application
waitressing is going ok but would rather be home on saturday night - once my debts gone Im outta there
I saved £200 by changing my broadband this month and I got a £50 voucher and £30 cashback
I cancelled my National Trust membership
Been selling on ebay made a fair bit of cash which has been keeping us going
The cupboards are bare here we have so little food now, we have been meal planning and dont buy as much now its better
I have seriously decluttered which is helping our space issue
thats it for now
I imagine I will be writing in my diary more after pay day as I am getting on with real debt busting then
Nat

natlie

Hi
I paid my barclaycard off today 2 weeks early
I am going to move forward paying off my next acct £300 to Feb 28th and add in new goal to pay off mint card £500 by 28th march:T

Got 23 items listed on fleabay on Sunday:D

worked saturday night but had to come home early as baba was very upset

new broadband stuff arriving tomorrow

Nat

Lemon_Tree

sounds like you're making great progress Nat, well done for paying of Barclaycard!

natlie

Hello
back in work and coping so far - its a bit boring really time for a change maybe
Paid £185 off cc this week thanks to £100 on fleabay on sunday
crashed car a bit on monday my wing mirror is destroyed but could have been worse - not a great thing to happen before my 1st day back in work
7 days til payday hooray
Nat

Lemon_Tree

we must have similar paydays, mine won't be too long but feels likes it been decades since the last time i was paid. Hope you can get a new wing mirror without too much expense.

natlie

Hello
right need to update stuff - so I can keep track - im not good at spreadsheets so this is my list

Mint gone £0 transferred to capital 1 £400 0% direct debit set up to pay balance by 30th September 2012

Santander card £2244 £270 of this was transferred to Barclaycard 6.9% direct debit set up to be paid off by Nov 2012

Barclays OD £2443 :mad:

Next £0 paid off:T:j:rotfl:

Santander loan £8-9k ish paying off £255 per month:eek:

natlie

I havent posted in my diary for ages and lots changed this is where I am now

life: I got married on june 6th the wedding was amazing and cost just £1900 all in I could have used that money for my debts yes but it was our only chance to do this and i now have the same name as my sprogs:) We cant afford a honeymoon/holiday

DH: won his appeal for ESA but it appears that they are crap at giving money back - but good at taking it away - he's been waiting 4 weeks now and has no income £180 in the bank and is due around £1000 in backpay

Work: not waitressing much now, my main job has paid for me to do a masters degree which is brilliant but very hard work and very time consuming

Debt: CRAP £473 capital1, £2500 barclays, £100 next, £160 very, £8000 loan, £2390 sant. cc, £560 mint, £190 barclaycard

until DH gets his money i am covering everything so cc debt has increased slightly my loan payment is consistent £255 so its still going down overall but poor!

please-let-me-be-lucky

Congratulations on getting married :beer: and great news about the degree.

Don't get too disheartened about the debts, sometimes life just gets in the way. I'm sure they haven't increased as much as they would have pre LBM, so that in itself is a positive

PLMBL Xx

natlie

hi
shattered today! been working shifts in restaurant to make extra money as really poor this month but its taking its toll, I worked all day and night yesterday and working tonight too its good as it helps pay the bills but I only saw the kids for 2 hrs yesterday and feel proper crap today.

OH finally got his ESA backpay this week and it looks like he is going to get his weekly payment back as they have put him back in his support group we'll know wednesday

Its my sisters b'day on Tuesday and have used my restaurant shift to get her a meal voucher so no costly presents this year. pre LBM last yr I spent £140 on her!:eek:

Managed to pay over £500 off debt this month

nat

natlie

DH only recieved £500 backpay! and his payments are stopped as of April - he won't claim JSA as he is ill - he is very low with his depression now - keeping an eye on him.

We are very restricted now with money - I will be back to paying off little payments until my fixed morgage rate finishes in February - I fixed my mortgage before the economic problems so while everyone else has been on 1.4% Im on 5.9% gutted

The only area I can see where we can save is on at the moment is food so thats being experimented with

I am looking forward to my loan finishing in 2015 I have this many payments left:rotfl::cool::D:p:j:mad::o;):T:):A:rotfl::(:cool::D:p:j:mad:;):o:eek::T:):(:rotfl::cool::o;):mad::p:j:D:cool::):T:eek:
36 months

Nat