The end is in sight

ShirePiskie

£12.68 a month better off.

My Ferrari is on order!

Spreadsheet of Wonder updated for all wages until December 2015.

Lily_rose_2

ShirePiskie wrote: »

£12.68 a month better off.

My Ferrari is on order!

Spreadsheet of Wonder updated for all wages until December 2015.

Whoo-hoo:j

ShirePiskie

I think it's late enough to call it.

Spend Free Day.

ShirePiskie

Well, the food festival was a complete washout. Driving rain, howling winds and giant waves splashing up over the harbour. Still, we wrapped up and stomped about for an hour then came home. Real shame as looked like there were lots of interesting stalls, but they had all their wares covered up from the weather and those in the main marquee were unreachable as so many people sheltering from the weather.

On the upside, it meant I didn't spend any money there apart from a block of butter from the supermarket out of loose change in my purse, so very nearly a spend free day, particularly from my bank account's point of view.

Blankets, films and hot chocolate for the rest of the day, all free, although have just popped the heating back on for a couple of hours.

financialdisease

Shame about your festival washout but blankets and hot choc sound fab.

NHS_worker_bee

Hi SP

Definitely claim the PPI back. I have done this successfully once and now trying to do it a second time. (Why didn't I do this sooner?!)

Enjoy your free cosy day

ShirePiskie

Lots of TV catch up and hot drinks yesterday. Lovely and relaxing.

Today is a 'real money' no spend day but I have spent £7 from my PayPal account, winning two breakfast bar stools on eBay. Just off to Falmouth to collect. Very happy with a bargain and less dinners on the sofa, hopefully.

Digging out the loan paperwork this afternoon to start PPI claim tomorrow. Am a little cautious as it is a joint loan with my ex, although I am the 'lead' name on it and it has only ever been paid back by me, from my bank account, so am hoping that won't cause difficulties. What in actually hoping, if I'm successful, is they write it off against what I still owe but would be FURIOUS if the money had to go to us both.

Don't even know how that would work, as I have a different surname now.

GunWharf

Doing great-keep it up.
Enjoyed reading your Diary today. :T

her_welshness

ShirePiskie wrote: »

Lots of TV catch up and hot drinks yesterday. Lovely and relaxing.

Today is a 'real money' no spend day but I have spent £7 from my PayPal account, winning two breakfast bar stools on eBay. Just off to Falmouth to collect. Very happy with a bargain and less dinners on the sofa, hopefully.

Digging out the loan paperwork this afternoon to start PPI claim tomorrow. Am a little cautious as it is a joint loan with my ex, although I am the 'lead' name on it and it has only ever been paid back by me, from my bank account, so am hoping that won't cause difficulties. What in actually hoping, if I'm successful, is they write it off against what I still owe but would be FURIOUS if the money had to go to us both.

Don't even know how that would work, as I have a different surname now.

That doesn't matter about it being in a different name, the only thing that they might ask you for is to get a solicitor to authorise who you are (and your signature), which can get sorted for a fiver. My egg Loan was in my maiden name so that was I had to do.

As for it being a joint loan, I don't think it will cause too many problems. As you know you can d/l your statements online and those go back for years.

Don't do what I did: I claimed back 7K of PPI from Natwest and instead of paying off some of the loan I frittered it away, although it did pay for new carpets and a bicycle.

Very best of luck and let us know how you get on!

ShirePiskie

Starting a debt free diary was obviously the boot up the backside I need as PPI claim form completed, to be posted off (am assuming recorded delivery is best) tomorrow. The addition to the loan for PPI was £4k so many things crossed. I had also forgotten that this loan took over from a previous loan that ran for 3 years, also with PPI, so have put in a form for that too.

The 'effin jeffin' is, in looking at the paperwork it turns out my loan was for 8 years from 2007, not 2006, so isn't due to be paid off until May next year. WAAAAAAAAAAHHHHHHHHHH!!!

Really cross (mostly with myself) having thought I'd got my **** together. Grrrrrrrrr.

Anyway, Spreadsheet of Wonder (briefly re-titled Spreadsheet of Doom) has been updated and I now have some new end dates - fortunately the Barclaycard IF period is so long, I won't be paying any interest there, even with the pay off date put back:

Tesco Credit card - September 2014
Overdraft - June 2015
AA Loan - May 2015. Humph.
Barclaycard and DEBT FREE - October 2015

This still allows for saving for a new mattress and doesn't make any allowances for any PPI money, which I'd rather not assume I'll get.

Proper grumpy, but better to find out and make adjustments to the plan now then get to next summer and wonder what on earth I'm going to do with over £200 still coming out of my account.