Time for change...

JLS1901

And as if things couldn't get worse today got a letter from the tax man saving I owe them £250 quid.

So I now owe
- £500 cc
-£350 one friend
- £200 another friend
- £250 tax man
- £750 overdraft

I can't deal with all this right now I have no money in my current account have no idea how I'm gonna pay my car insurance this month... sister has no money either I just want to give up.....

HeadAboveWater

Nope! Don't give up!

I got a letter from the tax man a month ago too saying I owed over £200. Fortunately they're amending next years tax code for me, so I'll be paying them about £4 a week, rather than having to send a cheque for what I owe a couple weeks before Christmas. Have a word with them and see if you can work something out with them

JLS1901

Hello all,
Still plodding on... Got £5.03 to my name at the moment... Get paid next Friday.. got hardly any fuel so will be coasting to work this week...
Going to sit down this week and work out what to save and what to spend once I get paid.

Sis is in the process of transfering to halifax so hopefully she will get the £100 they were offering...
Things are hard but gotta keep going it ll all be ok in the end x

JLS1901

Ok So having done a day of housework and cleaning and putting more decs up, I've re done my budget which will kick in from Jan 7th when I get my student loan...
Got seperate accounts sorted for money for oil, car etc (Which should have been done years ago but hey there you go) so feeling more positive now... just gotta keep going and hope I get money from the hardship fund to see me through till then xx

JLS1901

Hello all hope your all well....
Postman has just been.... Got a cheque for £50 I was waiting for...
and a letter from college saying they are paying me £450 from the hardship fund It will be paid in 3 installments with the first being the 20th of this month.... I actually could cry right now there is a flicker of light at the end of the tunnel....

Off to pay my cheque in...

Welly xx

HeadAboveWater

Today is definitely a happy Friday for you!!! Fab news

Have a great weekend!!

JLS1901

Thanks HAW.... I'm at work all weekend but got a party tomorrow night so feeling loads better whoo x

JLS1901

Hello all,
Hope everyone is ok.... Not alot going on here really waiting to get my bursary money on Thursday and paid on Friday so I can do my christmas shopping.
Have opened some more saving accounts for different things.. I know it seems crazy but it's the only way I can do it.
So looking forward to being able to boss this credit card bill and be rid of it!!

Hope your all well xx

JLS1901

Hello all...
Nothing much to tell today am starting work at half 2 so just been writing out the christmas cards and working out some finances.

Decided once I'm rid of this debt I really need to start saving for a car as mine is making terrible noises and I know next years MOT will be a big fat fail so I've got till then to get sorted...

Off to walk the dog...
Welly xx

JLS1901

Hello everyone, hope you all had a good christmas...
I had a lovely day yesterday just a shame I had to get up at 3am for work!! Just had a few hours off and been to see the hunt in the town. Back to work 2-6. Then 2 days off so will be getting on top of cleaning and revising.

Welly x