Clippy's final diary

clippy_girl

gaaaah nothing is ever straightfoward that i do!

moved g&e to british gas in aug, coop are only just doing my final bill and kindly contacted me to check gas reading as it was really high. well it was over 4000 units higher than the one provided to bg! :eek::eek::eek: so no idea of bill. hope i am in credit

sky- well good discounts, billing a complete nightmare. have had to get refund for the line rental and repay but its gone up £20. had to pay full amount and get credit on acc so bill much higher this month.

mortgage- absolute bloody nightmare which has resulted in me paying out £150 to get offer changed. in the process of trying to get it back from with mortgage co or broker.

mortgage issue 2- been told i cant cancel dd to coop which is due day i will complete and if they take it then they will then refund it later. great- where will i get the money to pay new mortgage co if payment is due within same pay month? dont know when payment will be or how much also dont know how much i need to pay off mortgage until get redemption figure.

solicitor- will need to pay £300ish around completion, not sure where that is coming from either as get £200 cashback with mortgage which broker said i could use to pay solicitor but dont know when i will get it :think:

very moany post but finances all over place at moment! just trying to pay all spare money in debt acc so can see where i am at :cool:

clippy_girl

hmm that was a bit moany!

so time for updates. no update re british gas :mad: will ring them at work tomorrow as always on hold for ages!

sky- not quite sure how they worked bill out but its about £5 more in credit than i thought so will keep :silenced: until see next bill

mortgage- they dont seem to have taken the £150 off my card :think:so all looks ok. broker advised offer sent fri so hopefully get it tomorrow and can then complete in time.

cant get redemption figure until 14 days before completion and i dont know enough about how the interest is charged to work it out myself. so assuming its £1200. might get a nice surprise if its lower or a horrible one if its more :eek: also cant remember if i have to pay an exit fee and am too lazy to check paperwork so will wait and see (dont think i do though). have got £860 saved so when i get £340 rent on 20th i will have the £1200 to send to solicitor

cant really do anything about coop taking payment so if they do, depending on when woolwhich take first one i may need to borrow extra but dad said this is fine. will only be temporary though so wont increase debt.

dont really have any money coming in before completion to pay solicitors bill but can just use wages then will go in overdraft in coop take payment (but arranged overdraft). need to ring woolwich to set up overpayment as they would only give me 30 year instead of 25 year mortgage so going to overpay the difference in payment each month so will ask when i get my £200. also going to switch to halifax current acc so get £100. looks like this is paid within days.

so in summary i will have enough for the £1200 and can use £200 and £100 cashback for solicitors (temporarily using other money and repaying with this if neccesary).

means all income due in nov and dec can go towards debt (although wont pay it to dad until all of above sorted) just means he will get bigger payment.

from memory i will be getting-
£50 m&s vouch for ins (will try and sell or use for food offers to save food budget)
£25 from quidco
£340 for dec rent
£103 for mystery shops done but not paid
£70 left over in budget after nov pay
£170 approx extra in dec pay (inc overtime and mileage)
£50- possible if wii stiff sells
£20- possible if ebay stuff sells

so over £750 and will be £820 if stuff sells and even more if get more mystery shops. that can all go to dad end of dec :T

clippy_girl

hi everyone, i have started a new diary for the last bit of my debt free journey

https://forums.moneysavingexpert.com/discussion/4834521