New home, New Debts, New Diary/Budget (2)

Penny2myName

Today I shall try and avoid the urge to go on FB, Working a 12.5hr shift will help, it will also help towards getting my debts paid off:

I admit I went on as PC kept bleeping and couldn't figure out why when I wasn't signed in, so signed in and nothing, then heard bleep again, still nothing, then we figured out my son had it open on a different account on PC.

Penny2myName

Hectic day at work today, came home with legs on fire, but worth it for pay, before deductions today I earned £172.27.

Penny2myName

Hoping today is alot calmer at work. Shouldn't need to buy any pack up stuff til lads are back at school/college. Today I am having same as yesterday, Salmon covered in crushed garlic and pesto that I bought for Xmas and two baked potates plus a biscuit I baked, and some crisps and fruit I still have in from xmas.

Penny2myName

Just spent £20 at laundrette, only spend so far this year. Have enough food and basics in that I shouldn't need to really do any shopping for a couple of weeks.

First bill payment and debt payments have gone out for this year
£12.12 for tv license but going to try and get rid of that as I don't watch live tv anyhow.

£15.12 minimum payment to Capital One. Unable to pay extra until I get paid on 25th, as due to a change in my circumstances my income has gone down by £82 a week.

Penny2myName

Went to local off 7-11 shop for some fire lighters and a pint of milk (forgot to take mine out of freezer so still a frozen lump) anyhow £7.45 lighter in the pocket now, but I did get a six pack of wotsits for 45p.

Penny2myName

Just called and cancelled my tv licence since I haven't had it tuned in for the last year. I just watch netflix on it via the wii. I will be recieving a refund of £48.54 back from them. and save myself £12.12 a month in bills.

Penny2myName

Have noticed due to my payment dates being all over the month, it is making it difficult for knowing were I am financially each month, so today I am spending the day trying to get all my payments day to fall into the same week as I get paid.

Penny2myName

Was moving all my DD's to one particular date went on to my vodafone account to discover DS has ran up a £385 bill in a week on top of using his 600minutes. Teenagers and relationships, too expensive by far. I now have a block on all his outgoing calls. and need to figure out how the hell I can cover the cost of the bill. No extra payments being made on my debts this month when I get paid.

debtfreewannabe321

Good luck with the DF mission Penny

Sorry to hear about the huge bill my ds1 (he's 15) is on a te$co mobile tariff which I cap to him spending only a tenner a month (he thinks i'm so mean ) can you not change your DS's tariff to a capped one to stop him doing it again ?

Penny2myName

Have just opened a First Direct Account, with NO overdraft facility, this way I can start looking at my lloyds Graduate O/D as a debt and not a crutch, same with my Student O/D.

My wage will go into my First Direct Account and my DD's come out of it, and my CB will go into Lloyds to clear the O/D and CTC into Halifax to clear O/D on that account.