Living for the Present...after all who doesn't love a gift!

debtfreewannabe321

July Targets

10 NSD (I have 3 spendy weekends because of parties and birthdays so hoping I can make 10!)

Grocery- 310/500 (would like this to be 450.....but seeing as though it's already at 310 not holding out much hope :eek:)

Emergency Funds- top up to 200/500

Bills due

Car Tax- £50
Park- £90
Car Insurance- Just had renewal so need to shop around for a lower one! Preferably with CB :cool:

SC have lowered our debt payments to £116 as i went through the budget again with them and tweaked a few things. I would have left it as £128 but actually I thought it may well help in my case of f&f's being accepted!

debtfreewannabe321

And today was NSD#1 :T

grannyx2

I've got everything crossed that can be crossed for your F&Fs. How amazing to be df x

Hope you are feeling after a good night's sleep

Granny x

Skint_but_Optimistic

Any sign of the money?

debtfreewannabe321

Skint we got the money yesterday :T and i've already paid the £5,000 over to Stepchange for them to sort out what they can with f&f....we've kept a £1,000 back for those that come back with a counter offer and those that point blank refuse can just stay on the dmp!! We will however pay the B@rclaycard off in full if they refuse an offer as they are the one (barstewards that they are) still charging interest. Most of what is on that card is interest & charges

debtfreewannabe321

So will be another NSD today. If i can avoid the school office that is we owe them snack money, which I begrudge paying as DD never has it ! She doesn't like the milk cartons and she doesn't really eat biscuits unless starving hungry! I will pay it before end of term. Just not today

I've done 4 loads of washing up, 1 wash is in (it rained all night but it's meant to be dry this afternoon...we'll see, still grey atm!) i've hoovered up and downstairs and put 4 lots of washing away :eek: I've been having dizzy spells again all morning and things flashing in front of my eyes. I've eaten and feel better now but I think I may need to get some iron supplements as headaches, tiredness, forgetfulness, generally looking grey and the dizzy spells are pointing to my anemia playing up again. I am off to @sda tomorrow so will try and collect some then if they still stock the one I usually have. If not will pop into the local chemist as they always have some.

I've so much on at the school/nursery this week and next that I am struggling to remember what i'm doing. I have that feeling hanging over me as if I should be somewhere or doing something but I can't quite remember where I should be or what I should be doing :eek: I've written everything down as far as I know so I know my next meeting is tomorrow but still have that feeling! Hope it's just the anemia and will try and sort it out asap. Had beans for lunch i'm sure they have iron in and I had steak last night too so should be ok till tomorrow

I got my bike out the garage (it;s been festering for about 3 years in there) and also ds1 old bike. was hoping to sell them but I think they will be good for scrap and that is it they both have punctures, chain is mangled on mine and they just look battered. Poor things. :eek: I've been told of a good second hand bike shop round here so I will start saving for a bike for myself once we've sorted out what we're doing with debt & the DMP.

Anyway yet again i'm rambling and feeling bit icky so going to go, get DS2 ready for nursery and then pop to a friend's house so mine stays clean for a few hours

debtfreewannabe321

Ok so just logged on to my bank and i've received 2 payments from tax credits totalling £684.27?! Should I be happy and do with it as I may (emergency funds!) or panic and call them in case i've been paid it by accident and it might need paying back??

slm6002

have you just spoken to them re the renewal. I got 2 payments the week after i called them to update. If not put it somewhere safe so its not spent and then give them a call - better to be safe than sorry

Skint_but_Optimistic

whoa! You best check on that.

abba1772

Lucky you in fact you've reminded me I need to do my renewal lol xx