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Time to 'grow up' - the slippery slope to 30.

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Comments

  • Snagggles
    Snagggles Posts: 434 Forumite
    It's the time of year for it, I think. Between now and April, I seem to do nothing but scrape around for money for huge bills.

    Savings? Nope, you've lost me...
    I'm a Money and Debt Adviser for a homelessness and housing charity in Scotland. If you have any questions about debt management and debt relief under Scots Law, just ask.
    The pain you feel today is the strength you feel tomorrow.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Tell me about it. The ones I can think of off the top of my head are:
    CPPI course: £95
    CPPI exam £399
    Car tax £60.50
    Essential camera gear £80
    Car tyre repair £30
    Birthday party £100
    Birthday presents £50

    And those are just the ones I can think of! :eek:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Evening :D

    Just a quickie as the extra standing order for my car loan has been applied, so my car loan is now £1787 and total debt now £4745.69. Come Friday my debt will be under £4700! It feels like it's tumbling down now :D
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • beanielou
    beanielou Posts: 95,684 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Looking good :)
    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.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Hurray it's Friday! If that weren't cause to celebrate enough, my debt is now less than £4700 (£4685.69) yaaaaaaaaay! :T Good times. :)
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • beanielou
    beanielou Posts: 95,684 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good times indeed :j
    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.
  • Snagggles
    Snagggles Posts: 434 Forumite
    Agree with Beanie, fab news. :beer:
    I'm a Money and Debt Adviser for a homelessness and housing charity in Scotland. If you have any questions about debt management and debt relief under Scots Law, just ask.
    The pain you feel today is the strength you feel tomorrow.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Mad a manic week in between work, studying and doing a mock exam so I'm totally beat. Wanted to nip by and update my sig and say HURRAH! :T It's standing order Friday! :D
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • beanielou
    beanielou Posts: 95,684 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hurrah for standing order Friday :j
    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.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Happy Standing order day! Although today isn't really standing order day as I've not done them this week as it's Ash's 8th birthday on Sunday so the money I would've normally paid off the card is being spent on her :) She's having a party at home and we're taking her out shopping tomorrow. She's very excited bless her!

    I have updated my budgets and debt balances today as my barclaycard statement has come in as well as having the loan DD go out so have updated my sig.

    Up to date balances are:
    Barclaycard (Mostly 0%) - £2578.62
    Halifax (0%) - £287
    Barclayloan - £1644

    I might spent some time this morning seeing what 0% deal are about. Especially considering if I could get enough on 0% to clear off the loan that would save a load now that it's a lower balance....hmmmm.

    Anyways.. happy friday everyone! :)

    NB: oh, forgot to say that I'm expecting to have some spare cash from my monthly budgets (due to my council tax not starting til next Month ) next Friday so will be looking to catch up with the standing order payments I missed today next week :)
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
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