Bagpuss's blithering debt busting efforts!

bagpuss38

Hi all.

Another long time lurker.

Feel the need to get all my thoughts out somewhere and am hoping to use this diary to keep me focused.

I'll pop back in later with more waffle about my self.:D

bagpuss38

Was going to update further and introduce myself but dd1 has been rushed into hospital with a large cyst on her ovary

So my diary will begin proper soon....

bagpuss38

Phew hi diary I'm back.
Its been a hell of a week, but dd1 is home safe and sound if not a little bit sore.

So to introduce myself.
I am a sahm to 4 kids aged 19, 16,6,2.
I'm married to a great guy.

I've been kinda foolish and when times have been good I have splurged on catalogues, always saying to myself I could pay it back fine.
Then the poo hit the fan and I couldn't.
My LBM came in april this year when dd1's child tax credit stopped and my income was severely reduced.
I realised I was gonna have to keep track of all the pennies.
Payment a day has been a revelation to me, meaning I could pay little bits of my debts.
In may I was refunded £800 from child ben due to their !!!! up, this I used to pay off my credit card, and hack into a couple of catalogues.

I'll update with current debts later.

Need to pop up to mr t's to get milk and dog food.

Jacket spuds with beans and cheese for tea.

Weather is pants, so may do some baking with the little 'uns.
Will have to hang washing indoors as not many pennies on leccie to use TD.

Back soon

Buffythedebtslayer

Crikey very glad your Daughter is ok, good like with the diary and
thanks for the reminder about the payment a day thread!

xxx

bagpuss38

Hi buffy,
Thanks for the visit:D
I really enjoy the payment at day, rounding up those pennies is very satisfying.

bagpuss38

Still sitting in my bed, really need to get up and put washing on.
Come on bagpuss shift your butt!

Heffi1

Hi Bagpuss38, love the username by the way

I am going to haev a look at the PAD as I see people talking about it all the time and so far have not looked to see what it is all about.

Good luck and great news about your DD1 glad she is recovering, I had one many many years ago which was caught in time so I understand the pain

bagpuss38

Hi heffi1
Thanks for popping in.

I like the pad cos I check my balance at the end of the day and if it is enough to split between debts I will if not I pay just one.
As you can see from my sig I've not done too bad so far.

Yeah the cyst was a big one measuring 8cm:eek:

Heffi1

Ouch that is large!

I have found the thread and pledged my first £12.00 so on my way now, thanks for the welcome

bagpuss38

So I have a had a very stressful day, with 2 bored little girlies.
Down to my last few quid so could'nt do very much, plus weather has been awful.
Walked to mr S cos better own brand stuff than local mr T.
Managed to get dinner for tonight (jacket spuds and beans)
Cereal, milk and pasta. So that's brekkie and lunch sorted.
Dinner is gonna need some imagination

On the way home from shops dd2 gets stung by wasp!:(

Chilling now with a cuppa before I attack the messy kitchen

Hoping weather is better 2moz as I don't wanna fall behind with washing.

Paid £6 across various bills. Gonna gather some stuff together to put on fleabay.
Made £10 in sales last week and put it towards winter clothes for little 'uns.
Bidding on school coat for dd2 currently @ a fiver, fingers crossed.:D

bagpuss38

Good morning Diary.

A chilly but beautiful day here, so the first of many washes on the go.
Money from paypal cleared, a whole £4.00 so after adding that to my current bank balance I've got £7.00 to pay across catalogues

Hubby got a £75.00 tip, so that was plonked straight on the gas and electric. With a little left over for shopping.
Hoping to take little 'uns swimming later.
Only costs me £1.80 with my leisure card, and dd2 is free cos of her lessons!:money:
Feel like doing some baking today, so a nice victoria sponge is on the cards.