Debt and then the house...before I am 40!

houseimprover

Hi

I have decided to do a diary to concentrate my spending. I am savvy on my bills etc so don't need advice on that. My issue is silly spending more than anything so looking to make myself more accountable

My Debts are currently:

£1980 0% CC, 1% a month
£892 Loan 21%, £26 a month minimum
£1611 Tax 0%...Must be paid by Feb 14
Bank of M&D £5625

Once I have paid the above of I will hit the mortgages and go in that direction.

I currently pay 500 a month of my debts. I allow myself £600 a month on a 4 week month and £700 on a 5 week month to live on.

This only has to pay for Food, Fuel and extras, presents, eye tests etc...basically non fixed costs.

I appreciate this is quite alot for one person but in the past I have restricted myself before and then messed up so I like to live fairly well whilst paying the debts of.

Hopefully if I keep control of myself I can cut some extra of the living money.

houseimprover

Added for updates later

houseimprover

I got paid yesterday, put £600 into my account as I have to use it for 4 weeks.

I paid the following:

£37.09- Presents for brother
£40.46- Tesco online order (Soft drink for the month at home plus cat food)
£59.48- Tesco shop- Food (hope it lasts 2 weeks)
£55- Tesco Fuel and screen wash
£11.77- Graphic Novels- Amazon
£2.51- CD- Amazon
£7.83- Cook Book- Amazon
£8.25- 4 DVD's- Amazon
£7-Graphic Novel- Ebay
£2.24- Flea comb for cats
£4.80ish- Food from Work (I don't do this often, maybe twice a month).
£6.70- Popcorn and drink from Cinema (got greedy!)
£8 ticket for film at cinema

Left to spend after above is £351 though

Though on the bright side its a no spend day today and I am looking to go most of next week spending nothing!

beanielou

Wishing you well on your DFW journey

Araboo27

houseimprover wrote: »

£11.77- Graphic Novels- Amazon

Lol, I read this and thought it meant p*rn!! I had to google it :-O

Good luck

houseimprover

Araboo27 wrote: »

Lol, I read this and thought it meant p*rn!! I had to google it :-O

Good luck

lol no no, just cartoons really

Araboo27

I did wonder why you'd announced your p*rn costs to everyone lol

houseimprover

Just at work but brought food from home so on target for NSD number 2. Got a real bad habit of checking my internet banking several times a day, even on a sunday when nothing changes!!!

houseimprover

Was hoping for a NSD number 3 but knew I had to goto Tescos Opticians and I was definately 100% not going to buy any glasses today and get them next month. Without doubt my resolves was strong.


I spent £179.99 on two pairs of glasses! At £90 a pair its not to bad and this does include the thin lenses which I need over the standard lenses due to my poor prescription.

So now the question I have is... currently spent out this of my £351 left for the month which leaves £171 or do I take it out of my aimed debt repayment of about £400 which I get on the 17th?

I also spent £4.96 at tescos on bin liners etc.

Cheers

HI

houseimprover

Its a NSD for me today which is good, 3 in the last 4 days.

However, I am having issues with British Gas. I pay £88 a month direct debit for electric (no gas) and I should owe them about £150 after the cold months at the beginning of the year.

However they have reversed my charges so now I am showing £320 in my favour. I have emailed them about this 3 weeks ago and you would think they would want to be accurate so if I owed them money they could do something about it.....but no! They don't care!!!

Their online site is atrocious and deeply inaccurate and I am fed up at how slow they are being.

I am very tempted to close my british gas account, move elsewhere, take my £320 out and pay it of my loan and wait for BG to come chasing...at least its 0% then compared to the 21% on my loan!

Views?

houseimprover

Funnily enough me moaning at them kicked their !!!! into gear and its nearly sorted!

Now showing a balance of -£256 but they have missed a direct debit off so it should be -£160 which means in the last 3 months I have only used about 70-80 quid of electric which is good!

Not a NSD day today, had to pay back some money to work that I accidently spent on the company card! Whoops!

Also, need to purchase some salad stuff today.