Pigpen's DFW diary.. 25 February 2007 at 8:23PM in Debt free diaries 212 replies 15.7K views

Beccah_3

Even more impressed with our illustrious leader! Utterly admire the way that you've tackled your debts and are emerging from the other side.

pigpen

oh I have myself a pretty little spreadsheet..

2009.. debt killer year.. £500 a month and it WILL be gone...

brummiebabe

Hi Pigpen - have checked out your diary over the last couple of years & have also been inspired by your mad decluttering and ebaying!! (lol) Don't know how you do it with all the kids to deal with aswell - I have 3, and they keep me SO busy!!!!

Nice to see you back on DFW again - best of luck - I'm sure you'll manage it!!!! Will keep lurking.....

pigpen

BB.. thank you.. Games consoles were invented for a good reason! lol I am hoping this is the last great count up I need to do. Hopefully when teh rather large insurance claim comes through I'll be able to shift at least a couple of the debts... I have donated one to my mother to pay.. she owes the money so she can have it to pay.. doesn't seem unreasonable to me TBH.. It is only £80 a month so it is the £20 a week she offered to pay me.

brummiebabe

pigpen wrote: »

BB.. thank you.. Games consoles were invented for a good reason! lol

Great aren't they!!!

pigpen

brummiebabe wrote: »

Great aren't they!!!

Oh yes.. electronic babysitters.. ensure I get peace and can get on with my college work and such like. Other than that they are all at school fulltime aside from Tiddles who does 3 full days and 2 half days.. so I do get plenty of time.

I am just going to sort through my ebay stash actually and see what need to be flung in the direction of the charity shop

Spendless

Pigpen- re your daughter's nursery fees. I'm aware you're not in paid employment so won't be able to claim via tax credits but have you looked into childcare vouchers? Does your husbands employer offer them? This is what we used when I went to college in conjunction with the non-means tested funding for 3 year olds.

pigpen

I have no idea.. but hubby is under strict instructions to ask on Monday.. thank you!

pigpen

DH Wages £1720.. we will see his payrise at the end of february
various benefits £2045 (cb, dla, ca, ctc).. increased CB will be updated shortly

mortgage £650 (£88841.61 left.. over 21 years and 7 months lol)
c. tax PAID until April.. when we start all over again!
life ins £30 (not sure if cheapest possible but not quite sure what our cover is to renew elsewhere)
B&C ins. £65 (increased due to massive claim last month and ongoing)
New loan £270 12.9% (£15500)

gas/electric £250 ... changed to British Gas..
mobiles and landline £100 (one landline 3 mobiles)
internet £16.49 .. we are not in a BT area so can't have anything else.. I could have it free with a mobile contract otherwise.

now the crappy bit..

Overdraft £2165 .. up to the limit of course!! reducing by £167 a month
catalogues £250 (£3290 owed in total!!!) (next, freemans, littlewoods, ace)
sony c/c £45 (exactly £950 owed) 15.9%apr .. Tackling this next!

BHS storecard £66 owe £1900 my mother is to pay this as it is her debt just in my name!

snack money £5
Nursery fees £84
lunch money & bus fares £216 (for 4 children, ALL primary school children have packed lunches now and my weekly bus card to college)

£6727.27 owed in total excluding the big loan, overdraft and the mortgage. It has increased a little since my christmas and sale spending and my new tumble dryer has been added.. but it is payday this coming Friday.. that should reduce the totals by a fair bit

pigpen

DH Wages £1720.. we will see his payrise at the end of february
various benefits £2045 (cb, dla, ca, ctc).. increased CB will be updated shortly

mortgage £650 (£88641.61 left.. over 21 years and 6 months lol)
c. tax PAID until April.. when we start all over again!
life ins £30 (not sure if cheapest possible but not quite sure what our cover is to renew elsewhere)
B&C ins. £65 (increased due to massive claim last month and ongoing)
New loan £270 12.9% (£15400)

gas/electric £250 ... changed to British Gas..
mobiles and landline £100 (one landline 3 mobiles)
internet £16.49 .. we are not in a BT area so can't have anything else.. I could have it free with a mobile contract otherwise.

now the crappy bit..

Overdraft £1998 .. up to the limit of course!! reducing by £167 a month
catalogues £250 (£3233 owed in total!!!) (next, freemans, littlewoods, ace)
sony c/c £55 (exactly £900 owed) 15.9%apr .. Tackling this next!

BHS storecard £86 owe £2000 my mother is to pay this as it is her debt just in my name!.. the card has now expired so will not be having anything else added!!

snack money £5
Nursery fees £84
lunch money & bus fares £216 (for 4 children, ALL primary school children have packed lunches now and my weekly bus card to college)

£6154.87 owed in total excluding the big loan, overdraft and the mortgage. I love payday!!

I have got everything paid this month.. aside from my college fees (15th) and my freemans (not due until next week!)