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Emzilla's 85 days to start afresh in 2013
Emzilla
Posts: 3,848 Forumite
Morning 
I've decided to start a new diary to see me through the rest of the year. The main reason being that I want to clear all my arrears in terms of bills so I can start 2013 with an arrears-free budget and really start to clear my debts.
My arrears are as follows:
Council tax - £1,285.88
Electric - £394.44
Gas - £221.02
Water 1 - £107.92
[STRIKE]Water 2 - £77.20[/STRIKE] - Paid
Total - £2,086.46
I know that's a lot!! The companies have been very understanding in terms of my ill health and haven't been hassling me to pay back the arrears, but until they are gone I can't do a proper budget.
So, there are 85 days left in 2012 (even less to Christmas :eek:), which means I need to pay back about £24.55 a day. The £77.20 water payment is due to be taken on Wednesday, so that covers a few days at least.
Emz xx
I've decided to start a new diary to see me through the rest of the year. The main reason being that I want to clear all my arrears in terms of bills so I can start 2013 with an arrears-free budget and really start to clear my debts.
My arrears are as follows:
Council tax - £1,285.88
Electric - £394.44
Gas - £221.02
Water 1 - £107.92
[STRIKE]Water 2 - £77.20[/STRIKE] - Paid
Total - £2,086.46
I know that's a lot!! The companies have been very understanding in terms of my ill health and haven't been hassling me to pay back the arrears, but until they are gone I can't do a proper budget.
So, there are 85 days left in 2012 (even less to Christmas :eek:), which means I need to pay back about £24.55 a day. The £77.20 water payment is due to be taken on Wednesday, so that covers a few days at least.
Emz xx
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Comments
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Morning Emz Have subscribed of course.
Are you entitled to any help with council tax etc due to your health?Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
That's a shame. It may not be a route you want to go down, but would you be better off if you didn't work?
Noticed it's a smilar amount we are both trying to clear by the end of the year so hopefully we can spur each other on! Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
That's a shame. It may not be a route you want to go down, but would you be better off if you didn't work?
Noticed it's a smilar amount we are both trying to clear by the end of the year so hopefully we can spur each other on!
I probably would be better off, but one day I won't physically be able to work, so it's kind of a pride thing that I want to work whilst I still can
.
Yep, similar amounts. I'm sure we can both reach our targets :j
Emz xx0 -
I probably would be better off, but one day I won't physically be able to work, so it's kind of a pride thing that I want to work whilst I still can.
Yep, similar amounts. I'm sure we can both reach our targets :j
Emz xx
That's perfectly understandable and well done you really :T
And I'm sure we can, I've just got to dig deep for some motivation at the moment Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
Best of luck with it Emz xxI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0 -
Happy new shiny diary I consider myself subscribed! 0
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Thanks Lou and GRC :A
Having a bad morning. I feel really rubbish (nothing to do with my illness and everything to do with being female) and I banged my front tooth on my laptop (don't ask!). It really hurt
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Moan over.
Emz xx0 -
I'm sorry, I do have to ask about the tooth?! Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0
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