lurvlylurker does a diary

rising_from_the_ashes

Finally managed to get around to reading through your diary well done on everything so far .....

lurvlyloz wrote: »

need to be careful, we get paid early this month (19th rather than 27th) because of christmas so i am goig to transfer my normal money int the bills account (thats household bills). pay my credit cards and then transfer the money that is left out into my savings account until its normal pay day. if i dont do this i'll be absolutly skint by january payday

Snap! I get paid on Friday and shouldn't until the 31st :eek: Think I'm going to do something similar ..... we're also paid early in Jan (or Dec would be 6 weeks!) and this means that Dec-Jan and Jan-Feb are now both 5 weekers!:eek: It'll be March before I'm back on my feet at this rate:mad:

lurvlyloz wrote: »

OHs mum is giving him £2k to get a van and to put towards insurance. This SHOULD (not a definate by any stretch but a should) mean that he will be able to get more work in the new year. As his work has been very shakey all year, i never budget for his wage as its never guarenteed.

:T Fantastic news - fingers crossed it helps generate more work ...

lurvlyloz

same here Rising. car tax due ni February but all budgeted for so that should be ok. and no council tax in feb & march so thats an added bonus to throw at my debts

StressedSteph

Hi LL,

Great news about you soon being in the 7K amount of debt. Wish that was me. I celebrated being in the 17k of debt .

Hope you have a had a NSD today. I had a cheap weekend thankfully and am now on NSD 13 :T.

Speak soon xx

rising_from_the_ashes

lurvlyloz wrote: »

no council tax in feb & march so thats an added bonus to throw at my debts

*sigh* I changed mine to paying over 12 months a few years ago ..... TBH it works for me as it would be another £25 / month :eek: (which I really don't have spare) but I must admit that it would be nice to have a couple of months not paying it to balance the books ....

lurvlyloz

Hi Steph.

you're doing great though yep NSD fopr me so far and not going anywhere this evening so close to my NSD target

Rising...silly as this is...i didnt even know you had thje option to pay over £12 months. it woprks well for me this way though just for that 2 month break.

[Deleted User]

I changed my Council Tax over to 12 months ages ago but don't they've kept it going. I also did the same with the Water Rates but they only did it the one time and we're back to the normal 10 months.

I'm going to have, to have a look after Christmas when we get the new bills through and see if I can permanently change them to 12 months...would make life easier!

Something else to add to my growing list for next year lol

Tiglath

We've always paid ours over 10 months, but from spring 2015 I'm looking at paying whichever bills I can in lump sums so I can whack extra each month into high-interest savings. I'm salivating at the thought of ISAs I'm especially keen to do that with insurance - the APR on our home insurance is 26.9% and I suspect DH's car insurance is similar.

[Deleted User]

That's a good idea Tiglath, I'd love to pay the two main ones off in one at least one time...may be if I get the budgetting properly worked out it might allow for me to save for it and do it next year?

Tiglath

My eventual plans are to do home insurance in November, council tax in March and water in April each year once I've got a big enough lump sum saved. DH can't remember when his car insurance is renewed so I can't factor that in yet. It doesn't make sense to do it with the TV licence because I'm always paying 6 months in advance for that, for some reason. I also won't do it with the pet insurance in case we have a population change during the year.

Once I'm debtfree in 18 months we're going to put money into the joint current account and pay household bills minus groceries from there. At the moment it all comes out of my current account, which has been the best way over the years to ensure that everything gets paid and nothing bounces. I always know to the penny how much goes in and out; I reconcile my spreadsheet daily with my online banking, and my spreadsheet is set out like a bank statement projected forward for 4 years. That way I can see the impact of any changes in direct debits, tax codes etc and adjust accordingly.

lurvlyloz

wow tiglath that is some serious planning.