tightening my belt and battening down the hatches

lynnejk

Hiya
Just popped over to see how you're doing and you're doing so great :dance: :dance:
Forget the eggs - we all slip and slide here and there.


I'm so pleased you sticking with it and getting the debts down and under control
Hope you have a great May week end and enjoy the ?sunny? weather. Always makes you feel better when the weather is warmer and brighter eh


Keep up the good work and Good Luck
Lx

Nelly11

Hi, been away for a little while, its been a bad month in many ways, ive licked my wounds and now am back on the ball trying to reduce my debts. Lots of things happened to set me back, first a health scare, then one of the pups was ill and eventually died costing £340 in vets bills, then my Working Tax Credit got reduced, Im not sure why? A bill came in for Council Tax from 2012 when I was in a relationship with some one for £500, I have agreed that I shall only pay half as they can chase my ex for the other half, i set this up as an agreement and need to get it in writing from them that Ive made the payments, 1 of £25 and 4 of £50 to show the bailiffs when they arrive and to stop me incurring any future court costs as i will have stuck to my agreement. Then I paid my Next bill off, they offered me credit and stupidly I spent £400 on clothes, i did need some new things but will chalk this up to experience, ive sent everything back that still had a lable attatched which will hopefully reduce my bill.
I need to look at my signature and start writing my lists of things to do again as I have lost my way on both of those things. I dont know why I find money so scary and why I overstretch myself all the time, if i cant afford to do something then I should just be honest with people and say sorry, no money!
Please forgive my spelling and my ramblings. Im going to try and get some stuff together for a car boot, have another declutter.

Nelly11

Has anyone any experience in paying off an overpayment of Working Families Tax Credits, I have been told I need to repay £2021.85 which was from a 2012 claim, I have not been written to on how this came about or had any written information about the debt except in my provisional tax credits award for this year. Im struggling to keep up at the moment and want to know if it can be appealed? or if they will enter into an arrangement for a nominal amount?
I have just updated my signature and it is a sorry sight, I'm glad I've done it though, now I need to get motivated, some times it feels like one step back for every forward one, but there are forward steps which make me feel positive.:D

Nelly11

Budget and planning up to date for the next month, I underpayed the mortgage last month by £475 so need to work out a way to clear that next month, until then im going to get stung for a £35 management fee, curses!

Nelly11

Money Saving Plan for today

• Send back all clothes to next
• Return trousers to TKmax:)
• List all DVDs on Music Magpie:)
• List Cds on Music Magpie.
• Box up above ready to send:)
• Put the £10 in my purse back into the bank plus the £1:) roadkill I just found :rotfl:

Money Saving Plan for Tuesday 18/06

• Take clothes to clothes bank:)
• list some clothes on FB sales:)
• Trousers and dress back to TKMax and New Look:)

Need to get my house in order

Nelly11

Most jobs from yesterday and today completed, tomorrows money saving jobs are

• List more things for Music magpie:)
• List 2 more things on ebay
• Bank £10 made from Facebook sales.:)
• Print off Music magpie lables in work:)
• photocopy some patterns to make craft things to list
• Join Etsy

Nelly11

Yesterdays to do list was a bit of a wash out, had to work super late then out for a family meal - unexpected and Dad paid for meal, son paid for drinks! Felt treated:)



Busy day today, mostly traveling this evening, so heres my plan

• Bank £3 from FB sales
• Pot the nice plant Dad bought me:)
• Tidy laundry room and kitchen:)
• Collect some free lockable filing cabinets:)
• Take some Xbox games to Game (I get 10% off son for taking them)
• Check Ebay:)
• Drop a box of music magpie stuff off for collection:)
• Contact Music magpie about not being able to print off last two lables:)
• Try to keep spending to a minimum this weekend as we are off for a short family break, hopefully no cost for me as long as I do all the driving _ Cost of weekend was £40
• Remember to get back £20 I lent to youngest son.
• Update here on Monday
• Contact WFTC to say my work hours have increased Unable to get through on 2 hours of being on hold

Nelly11

It's new note book day!!!!:j I came to the last page in my old one last night, I cant wait to write in the new one, my OH bought me about 16 new ones for Christmas, he knows me so well, a true notebook nerd.





Todays to do list

• Post some flip flops back to next, I have worn them for an hour but the surface was so shiny that I went over on my ankle and twisted it, now I'm limping.:)
• Post my first ebay sale - I am confused though as for some reason all the items that I listed have been ended
• Try yet again to contact Working Tax Credits _ No Joy again
• Sort out all paper work for College Bursery form for Son3
• Take a packed lunch into work.:)
• Print off the 2 musicmagpie barcodes ive been sent and pop them in the post:)
• Get one more box for the remainder of the music magpie stuff.:)
• Start a pile of cash for clothes.:)

So far my Ebay sales amount to 99p!:j

Nelly11

List of things to achieve on Wednesday 25th June

• Record all my toil from work and book a day off:)
• Sewing night
• Food shopping:)
• Post Music Magpie - Couldnt print the labels off again:(
• Box up another load of CD's for music magpie
• Clean cooker & Hoover
• Look at next months accounts:o
• Pay NEXT:)
• Sort an E111
• Buy a gift for nephew and post it:)
• Complain to NEXt re flip flops:)
• Complain to McD's about how thet messed up our food orders twice over the weekend.:)

lynnejk

Hiya


Sorry I've not been on but been really busy and had some money probs as well as DH's job was cancelled and etc etc


Anyhow, now starting to get back on track and the car failed the MOT :eek:


Glad to hear you getting your head around sorting your probs and hope all keeps going forward for you.


Be back later to update - all the best and keep at it


Lx