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Time to 'grow up' - the slippery slope to 30.
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immoral_angeluk wrote: »Course I remember you, it's lovely to see you again and well done for getting your degree. Good luck with paying off your overdraft!
Thanks so muchSaw a house last night we loved and it's walking distance from my work so would save me £82 a month in travel which is just under the amount we'd pay in council tax :money: Looks like we'll be putting in an offer and then off to talk to banks to see if we can get a mortgage. If I have to pay off my OD with savings then I will but I'll still keep the figure in my sig until I've paid that amount back into savings for us so it doesn't just disappear. This month is such a long month as I got paid December 23rd and don't get paid again until Jan 30th :mad: I'll get there though, still got cash but I'm forgetting its there so that I don't spend it.
HSBC CC - £3000 / £3000
Halifax CC - £1032.77 / £1032.77
Mortgage currently at [STRIKE]£82,299.71[/STRIKE] £76,017.62 would love to overpay0 -
fallenwiccan wrote: »Thanks so much
Saw a house last night we loved and it's walking distance from my work so would save me £82 a month in travel which is just under the amount we'd pay in council tax :money: Looks like we'll be putting in an offer and then off to talk to banks to see if we can get a mortgage. If I have to pay off my OD with savings then I will but I'll still keep the figure in my sig until I've paid that amount back into savings for us so it doesn't just disappear. This month is such a long month as I got paid December 23rd and don't get paid again until Jan 30th :mad: I'll get there though, still got cash but I'm forgetting its there so that I don't spend it.
Total 'Failed Business' Debt £29,043
Que sera, sera.0 -
Today has been a weird day. I don't like anniversaries to do with my mum, as it brings up a lot of heartache. As horrible as it sounds i just want the day to be over now.
Anyway, an update.
I posted off the amazon books. Didn't cost anything as posting was prepaid.
Sky called. Apparently I can't cancel the HD til Marchwhen the contract is up, so have to call back in Feb to give my notice.
Have had a bit of a 'splurge' week budget wise. I've ended up spending more than originally intended because of wanting to feel a bit better, which just goes to show I'm still human and vulnerable to needing 'retail therapy' every now and then.
Today I spent:
£9 on some clothes in the peacocks sale (3 tops and 2 skirts for the girls. Couldn't resist such a bargain. There are plus sides to companies going into administration...
£20 on petrol
£10 on a plaque which me, DP and the girls went down the cemetary to put on my mum's grave for her birthday.
£44.77 in Aldi
£12.50 on school shoes for my youngest, as hers were starting to fall apart (her 4th pair since she started school in September!)
£9.84 in Asda on what I couldn't get in Aldi.
So all in all it could've been worse really, even with a bit of a splurge I can still pay a chunk off the card.. Having updated my budgets after all that I'll be able to pay off £53.24 off the credit card, plus £28.74 from my wages. At least it'll get it under £500 so still a bonus. I'm not going to pay it off until my child maintenance and/or wages goes in though, as that money that's spare is all I have left in the account and I don't like it being at zero just in case! Soon as the other money has gone in I'll pay it off.Total 'Failed Business' Debt £29,043
Que sera, sera.0 -
Tomorrow will be better.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
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They grow up sooo fast.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
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Cant believe my DS is 18!!!!!!!!!!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
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It's so scarey how quickly they grow up now :eek:I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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