Buffy's 100 Day Challenge :)

scotdebs

Buffy * jumps up and down with excitement * I need to join you on your challenge pls pls pls :j

I have just started a new diary and new attack on the debt etc but need massive declutter also - clothes too many to mention etc etc dont think I'll manage your whole list but think ill pinch nos 1. 3. And 10 off the list

Whoop whoop love a list lets do this

beanielou

How did I miss this??

Buffythedebtslayer

Did new balance Transfer for 18 months.

I got a little panicked! Plus one of my CC has charged me payment protection. gits.

SO my CC debt is 4990.27

that is 4000 bt'ed from Loan. And 990 from overspend - 776 on car and vets........

214.......not completely sure.

will need to investigate.

must sleep.

xx

MrsSmith2013

Hi Buffy! Just wanted to pop by and say hello, I remember you from a "previous life" of mine on here

Good luck with the journey... its nice to see some familiar names, beanielou I think I remember you too!

Will keep up to date on your progress.

Mrs S x

tattycath

Hi Buffy. Good luck on our journey Hun-have subscribed.

Buffythedebtslayer

scotdebs wrote: »

Buffy * jumps up and down with excitement * I need to join you on your challenge pls pls pls :j

I have just started a new diary and new attack on the debt etc but need massive declutter also - clothes too many to mention etc etc dont think I'll manage your whole list but think ill pinch nos 1. 3. And 10 off the list

Whoop whoop love a list lets do this

I also love a list - please join, support and friendship always welcome!

have just realised that I paid part of one of the bills I Bt'ed.....I now have 300 pounds on my cc........!!!!!! it!

x

Buffythedebtslayer

I have got loads to do. but did my money,

I am going to Manchester tomorrow......... which is handy since I could do with getting away and seeing some genuine friends.

I owe myself money for my savings plans.

I also need to update my ISA book.

Random thinking.

Garden 850
Gardener 150

MA =1500

Car =2000

ISA (op) =2500

total = 7000

That is how much I borrowed - paid for MA, paid for garden. I do have 4500 in savings (although they are allocated really)

Current debt stands at 4990 plus 552 on loan
(CC =original loan amount plus my 990 over spend eek!)
The loan will be paid off at the end of this month. and hopefully about 200 pounds off the CC.

Once work finishes and I can sell stuff I will pay what ever I make on to the CC

OO the extra money? was on clothes:o I did need them tho.

And still need smart stuff for the new job.

Am thinking aloud here.

I could in theory pay it all off but then I would kinda have nothing - no car money or op money.

I don't know. I have to say am getting freaked by the not having a job. So like the security of the savings.

Just have to paid off the CC (0%) quickly.

need to go do stuff

xxx

ElphabaThropp

I'm off to Manchester too! Dreading the drive as its first day of the summer holidays and my car has no air con. Keep an eye out for a heavily sweating, frumpily dressed, overweight woman in a black Ford Ka, it'd be lovely to say hi!

If your income is precarious then keep some savings to hand. There is always a risk that your credit lines could be cut off and then things would get very difficult. Always best to have something in reserve.

Hope you have a lovely weekend. xx

Sun_Addict

Hi Buffy - you said support and friendship welcome - so here is a boatload from me. Enjoy your Manchester trip - nice to have some genuine friends to have fun with. Don't get too drunk!

Buffythedebtslayer

Have tidied my room, cleaned out the animals and checked online banking. got to pack!

Currently CC is £4986

Loan is 552.01 but is scheduled to be paid Tuesday.

I may still owe interest on that - I don't gain from paying it off aside it not bugging me.

I do really want it gone.

also need to sort out what work I am taking with me

catch you all tomorrow

xxxxxxxx