Paps Penny's

postingalwaysposting

I have put a deposit down on a car, I shall be collecting it on Friday :j Thanks for your vibes everyone, it was still there once we found the place and its a great car. I needed to pay more for 6 months tax but its still a great price. There is a small dent/mark on the passenger rear door which will need attention quite soon but its fine for now and for the age of car I was expecting it.

So now a car owner again, insurance monthly £70.60 only £1.69 extra a month and £10 RAC cover. I will need some car mats as someone sent them to the scrapper and obviously fuel but I am back in action!

The aim is to re-pay this car and reduce my debt by £300 before the 1st of November. I am going to be begging work to give me overtime and I would still like to attempt the bingo sites. My dream would be to be debt free before the new year, as touch wood if anything goes wrong I can use my CC to pay for repairs as it would be being paid down.

Things are on the up! Icing on thw cake this week would be getting into college and getting in free... We shall see, at least I have some influence on my life now :T

Proceed - Achieve - Plod

postingalwaysposting

Opps spends today, NSD's since last update:

£3.30 - bus to Mum, 1/2 way to car
£2.00 - 2 * bottles of drink

£2.80 remains

Must keep on top of this, I want to see where money goes for this month and posting here keeps me accountable

Edit!
So playing with my budgets:

Friday...
£70.60 car ins
£40.00 bills
£40.00 rent
£40.00 petrol

£190.60 - I wanted to make a debt repayment but I will have to wait and see what income I recieve.

13th
£40.00 bills
£40.00 petrol
£40.00 rent

£120 - Hopefully a £100 debt repayment can be made here, it is the cake show weekend but I am hoping for no spends.

From then on in my weekly budget will mirror that of the 13th. I will hopefully repay my debt in £50/£100 chunks and have little or no spends myself. My sole aim is paying down the debt. I do need to save for car tax in Feb but I can attempt that weekly as it works out as £5 a week. I will set asside a tin for that I will prob attempt the bingo sites to generate cashback income but I will not do it if it will take money away from my debt repayments...

Getting debt free is my highest prority now!

beanielou

Hurrah for the new car :j :j

Fortune_Smiles

postingalwaysposting wrote: »

Proceed - Achieve - Plod

Shouldn't that be Press the Accelerator Pap

Yay for the car!

Fortune x

beanielou

Fortune_Smiles wrote: »

Shouldn't that be Press the Accelerator Pap

Yay for the car!

Fortune x

You have such a way with words Fortune

postingalwaysposting

:rotfl: Fortune! You are so right though.

postingalwaysposting

postingalwaysposting wrote: »

Things are on the up! Icing on thw cake this week would be getting into college and getting in free... We shall see, at least I have some influence on my life now :T

:j :j I have passed the test 20/28, I have a place, its free... :j :j

But I need to start Tuesday :mad: Work has already processed the rota's for next week I have emailed but I am not holding out much luck after letting them down through out this car fiasco

I shall find out tomorrow I guess...

Proceed - Achieve - Plod

beanielou

Don't worry to much if you have miss the first day.
Most likely indunction type thingy.

tootallulah

Well done you, you are on your way. Don't worry about the first maths class, it is the least important one of the year. Pleased about the car too, I do hope your hard work is paying off and your luck is on the up.

Buffythedebtslayer

Hey Pap, so glad to read you have a car and a place!

Remember I might be able to help with the tutoring, and give you pointers re good websites and resources etc.

So happy for you tho
xxx