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Mental Health Nurse in need of a cure for spending!!

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Comments

  • rachyroo1985
    rachyroo1985 Posts: 112 Forumite
    Well I haven't made an entry for a while as I have been extremely busy with work etc. However, I have continued to PAD and have had 5/10 NSD's for November so am on track.

    I have got rid of another overdraft today taking my debts to 6 from the original 9. Am hoping to get rid of the Next account next week so will be down to 5 debts.

    I have applied for a PPI refund and have been offered the full amopunt of 164.17. This, added to the £385 comet refund and a £120 car tax refund plus an £11.20 income tax refund for OH equals £680,37 to pay off my CC this month all being well too, as well as £350 off my last OD. So all on track to be down to 4 debts for xmas.
    BC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next:[STRIKE] £0/£280 [/STRIKE]OD: [STRIKE]£0/£500[/STRIKE]
    Student OD: [STRIKE]£0/£2000[/STRIKE] Partner OD:[STRIKE]£0/£600[/STRIKE]Joint OD:[STRIKE]£0/£950[/STRIKE] Car: £9424/£9901 Mort: £77000/£79000
    Total Debt exc mort£23281.15/£34,031 31% paid off
    POAMAYC2013 £694.99/£10000 target £14112.50
    NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts [STRIKE]9[/STRIKE] 4
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Bloomin marvellous :)
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • rachyroo1985
    rachyroo1985 Posts: 112 Forumite
    Thanks Igamogam.

    Always keep seeing you popping up PADDING. Amazing effort to do that every day or there abouts. Really is a great way to go about things. Your support has made such a difference to me x
    BC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next:[STRIKE] £0/£280 [/STRIKE]OD: [STRIKE]£0/£500[/STRIKE]
    Student OD: [STRIKE]£0/£2000[/STRIKE] Partner OD:[STRIKE]£0/£600[/STRIKE]Joint OD:[STRIKE]£0/£950[/STRIKE] Car: £9424/£9901 Mort: £77000/£79000
    Total Debt exc mort£23281.15/£34,031 31% paid off
    POAMAYC2013 £694.99/£10000 target £14112.50
    NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts [STRIKE]9[/STRIKE] 4
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    rachyroo1985 wrote: »
    Thanks Igamogam.

    Always keep seeing you popping up PADDING. Amazing effort to do that every day or there abouts. Really is a great way to go about things. Your support has made such a difference to me x

    Its become a hobby :rotfl::rotfl: and takes about 2 mins every day and is making so much difference ! The best thing I dont even notice it - heavens only know what I spent those small amounts on before because I am not a shopper. Cant stand going to the Big Town absolutely loathe going to the Even Bigger Town and if we ever have to go to the Biggest Town then I really break out into a cold sweat:rotfl: I do shopping on online to get cash back where ever possible
    Keep going Rachy :)
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Wow - good PADding today!
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • rachyroo1985
    rachyroo1985 Posts: 112 Forumite
    Thanks. Really chuffed !!:):):)

    Just semed to alol arrive at once, and I thought the sooner I pay it on to the card the less likely I am to spend it!!!

    Probably wont be able to much more this month though. Just a bit here and there but every bit counts.

    This will really give us a boost though to push through. Didn't expect to reach the £3000 mark on the cc til around xmas and am now below £2900 so done lots better than we expected really. Now aiming to get to £1000 before we have to balance transfer in March. Who knows we may even clear before then. Would be great to do that.

    Thanks again for your support!!:A:A:A:A
    BC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next:[STRIKE] £0/£280 [/STRIKE]OD: [STRIKE]£0/£500[/STRIKE]
    Student OD: [STRIKE]£0/£2000[/STRIKE] Partner OD:[STRIKE]£0/£600[/STRIKE]Joint OD:[STRIKE]£0/£950[/STRIKE] Car: £9424/£9901 Mort: £77000/£79000
    Total Debt exc mort£23281.15/£34,031 31% paid off
    POAMAYC2013 £694.99/£10000 target £14112.50
    NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts [STRIKE]9[/STRIKE] 4
  • HeadAboveWater
    HeadAboveWater Posts: 3,941 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Wow you are doing absolutely fantastic!! And well ahead of target too! That's really encouraging, and will motivate you to keep on going!

    Well done so far :D
    Wealth is what you're left with when all your money runs out
  • rachyroo1985
    rachyroo1985 Posts: 112 Forumite
    Thanks HAW. Really means alot that someone actually reads my ramblings and feels enough to comment. The challenge is always easier when you have support. xx
    BC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next:[STRIKE] £0/£280 [/STRIKE]OD: [STRIKE]£0/£500[/STRIKE]
    Student OD: [STRIKE]£0/£2000[/STRIKE] Partner OD:[STRIKE]£0/£600[/STRIKE]Joint OD:[STRIKE]£0/£950[/STRIKE] Car: £9424/£9901 Mort: £77000/£79000
    Total Debt exc mort£23281.15/£34,031 31% paid off
    POAMAYC2013 £694.99/£10000 target £14112.50
    NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts [STRIKE]9[/STRIKE] 4
  • rachyroo1985
    rachyroo1985 Posts: 112 Forumite
    Another debt paid off today!!! £65.92 paid to Next and have bnow closed my account. So only 5 left to tackle!!
    BC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next:[STRIKE] £0/£280 [/STRIKE]OD: [STRIKE]£0/£500[/STRIKE]
    Student OD: [STRIKE]£0/£2000[/STRIKE] Partner OD:[STRIKE]£0/£600[/STRIKE]Joint OD:[STRIKE]£0/£950[/STRIKE] Car: £9424/£9901 Mort: £77000/£79000
    Total Debt exc mort£23281.15/£34,031 31% paid off
    POAMAYC2013 £694.99/£10000 target £14112.50
    NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts [STRIKE]9[/STRIKE] 4
  • brummiebabe
    brummiebabe Posts: 1,894 Forumite
    Just wanted to say how well you're doing!!!! Keep at it.....from a fellow RMN xx;)
    20p Saver Club #33 60p/£100
    Christmas Saving £0/£1300
    Saving Target 2014 £25/£1000
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