Bellas lonnnnnng road to being DF... Time to speed up!!!

Keeping_Positive

Congratulations on the new baby.

One thing I noticed on your SOA was the high gas and electric payments. Since these don't incur interest when you feel up to it I would reduce the overpayment part and use the money towards the credit card. They may recomend an amount but as long as you dont increase the arrears they cant force you to pay that

Also have you checked you are on the providers cheapest option? I thought I was but rang uo and saved money without changing supplier.

bella2121

Thanks for all your well wishes

Keeping positive thanks for your input I will shop around for a better price need to get some of these arrears paid off first, I think my actual payment should be around the £120 mark before the arrears are added on the arrears should be paid off by February. My next bill is due end of next month when I get it ill ring them see if they can offer me something better

Right need to go to sleep while baby is asleep take care everyone xx

OrangeFairy

Hi Bella

CONGRATULATIONS!!!!!

Heidi is such a perfect name. It would be on my short list!

I really hope she is settling in well and you are enjoying having a girl in the house to even things out!

Lots of love
OF x

bella2121

Thanks OF loving having her she's such a pleasure, my boys love her too little one doesn't leave her alone though ha he's always kissing her, bless him

Ok so it's a new month and yet another fresh start, have spent on OHs credit card due to him having time off and reduced wages etc plus having a new baby and wanting to treat her and the boys oopssss

Anyway no point dwelling on it pretty much everything upto date except 2 years ground rent needs paying on Friday so that's £100, it's my Ds2 birthday next week all his presents are sorted need to pay for his cake Friday that's £25 were having it made for him he's gonna love it gonna have a bit of a party for him also on Saturday.

Have received some stain remover and dishwasher tablets to test also sold some bits on Facebook selling site so all positive and were all happy which is the main thing

Right I'm going to venture out to pick Ds1 up from school, not been out on my own since my op so wish me luck I'll be back later xx

bella2121

Morning all

Well I've not been updating for a while and things had gone a bit off track having to pay £261! For 6 months car tax really threw me event though I had good intentions of saving up for it it didn't happen, anyways it's paid now and I'm back on track.

I still need to pay council tax, I've paid it late a couple of times and they have said if I paid it late again they would want the full amount, I'm waiting for that letter to come any day it's worrying me a bit but trying not to get to stressed as out it

Anyways onwards and upwards good news is the stupid pounds to pocket loan is paid off, never ever again will I go down that path.

Need to start crimbo shopping soon just gonna get the baby clothes and practical bits, my 2 year old is getting a couple of presents from us and clothes, and my oldest wants an xbox so he's getting that with games and bits to go with it. I'll probably get them a few stocking fillers but I'm not buying things for the sake of it like I usually do. My OH does a savings club with work which gets paid out the beginning of December so don't need to worry about affording it all.

Take care all