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

beanielou

Looking good hun, looking good

pigpen

DH Wages £1720..
various benefits £2045 (cb, dla, ca, ctc).. increased CB will be updated shortly

mortgage £650 (£88431.61 left.. over 21 years and 5 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)
New loan £270 12.9% (£15280)

gas/electric £250 ... awaiting bill! :eek::eek::eek:
mobiles and landline £100 (one landline 3 mobiles)
internet £16.49 ..

now the crappy bit..

Overdraft £1831 .. up to the limit of course!! reducing by £167 a month (12 months left)
catalogues £250 (£1400 owed in total!!!) (next, freemans)
Ace PAID :T :T :T
sony c/c PAID :T :T :T

BHS storecard £86 owe £1950 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)

£3300.52 owed in total excluding the big loan, overdraft and the mortgage. I love payday!!

Flylady_Flower

Hope everything is OK for you at the moment Pigpen x

pigpen

DH Wages £1720.. will not have any more but he is taking on the mortgage and the loan payment... looking at £700 a month from him I think at the moment.. to cover bank loan and non-interest part of mortgage.
various benefits £2358 (cb, dla, ca, ctc, is).. I have also applied for DLA for DD4 who has been diagnosed with mild cerebral palsy.. all good fun!

mortgage £650 (£88230.61 left.. over 21 years and 3 months lol)
c. tax now paid through housing benefit
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)
New loan £270 12.9% (£15296)

gas/electric £250 ... awaiting bill! :eek::eek::eek:
mobiles and landline £100 (one landline 3 mobiles)
internet £16.42 ..

now the crappy bit..

Overdraft £1664 .. up to the limit of course!! reducing by £167 a month (10 months left)
catalogues £170 (£1033.05 owed in total!!!) (next, freemans)

BHS storecard £86 owe £1907

snack money £5
Nursery fees £140
DS2 bus fares £28 .. Lunches will all be free very soon!

£2940.52 owed in total excluding the big loan, overdraft and the mortgage. I love payday!!

pigpen

Flylady_Flower wrote: »

Hope everything is OK for you at the moment Pigpen x

Well I appear to be making headway through this mess.. for the first time in years we owe less than £3000..

Once this lot has gone I will start paying heavily off the big bank loan if I can afford to.

Flylady_Flower

pigpen wrote: »

Well I appear to be making headway through this mess.. for the first time in years we owe less than £3000..

Once this lot has gone I will start paying heavily off the big bank loan if I can afford to.

That has to be a big weight off your mind - we have been trying for ages to pay stuff off and have to keep dipping into it again, but have been doing the Payment A Day challenge now (mudbaths fault ) and every small amount we save is coming off the cards, which we are not touching any more, so instead of just paying interest off, we've been actually reducing the amount - even that small amount makes me smile so can only imagine what you're feeling now... well done hun x :T:T:T

Flylady_Flower

Hi Pigpen, how are things? Are you still managing to stay on top of stuff with everything that's going on in your life?

Don't know how you manage it all... well done to you.

How are you feeling now too? Better I hope. I've not been on flylady for a few days and keep missing out on all the [STRIKE]gossip[/STRIKE] goings on When do you start uni?

Nosy cow aren't I - just tell me to go away if you like

pigpen

Flylady_Flower wrote: »

Hi Pigpen, how are things? Are you still managing to stay on top of stuff with everything that's going on in your life? I am..just popped in to post an update!

Don't know how you manage it all... well done to you.

How are you feeling now too? I'm ok thank you xx Better I hope. I've not been on flylady for a few days and keep missing out on all the [STRIKE]gossip[/STRIKE] goings on When do you start uni? start uni 28th September... can't wait but have 2 weeks left of college and 2 weeks to get ALL my study skills stuff done.. a whole years worth and 2 assignments

Nosy cow aren't I - just tell me to go away if you like

Thanks for asking xx ..

pigpen

DH Wages £1720.. will not have any more but he is taking on the mortgage and the loan payment... looking at £700 a month from him I think at the moment.. to cover bank loan and non-interest part of mortgage.
various benefits £2358 (cb, dla, ca, ctc, is).. I have also applied for DLA for DD4 who has been diagnosed with mild cerebral palsy.. all good fun!

mortgage £650 (£88230.61 left.. over 21 years and 2 months lol)
c. tax now paid through housing benefit
life ins £30 (not sure if cheapest possible but not quite sure what our cover is to renew elsewhere)
B&C ins. £38 changed to a more sensible one
New loan £270 12.9% (£15296)

gas/electric £330 ... bill was £1203 :eek::eek::eek:
mobiles and landline £100 (one landline 3 mobiles)
internet £16.42 ..

now the crappy bit..

Overdraft £1330 .. up to the limit of course!! reducing by £167 a month (8 months left)
Next £110 (£1023.93 owed in total!!!) (All other catalogues now paid off fully!! )

BHS storecard £86 owe £1820

snack money £5
Nursery fees £140
DS2 bus fares £28 .. Lunches free now!

£2843.93 owed in total excluding the big loan, overdraft and the mortgage. I love payday!!

See.. still going down in spite of the hubby being a twonk!

Paying off the Next account is my next big challenge!!

Valli

Looks like you're on track for the DFD - well done!