The only way is down (for the balances)!

catandy

90£ to last me till pay day which is a week on Monday so going to be super tight but its doable the good news is at least I've got money left in the last week of the month which is a step forward from the last couple of months.


commission pay-out due this month is M-E-G-A so much so im picking up almost 2x my basic salary. so plan is I put money aside for xmas and birthday presents so that's covered, then I clear rent arrears totally - Yay me!! 4 months early oh yess!! (sorry currently doing the happy dance)....


from there I sit down and decide what to do with the extra 80 odd per month that is freed up... think I will clear the council tax so I get a full 2 months free till it starts again April time onwards. that gives me Feb. and march with 170 clear each month which in turn will go on clearing off a ccj totally (another 20pm clear pm from April onwards).


so sum total of debt busting in next couple of months stands at


November - rent arrears cleared (extra 80 pm added to budget)
December - get thru xmas/ new year unscathed
January - clear council tax (extra 88 pm added to budget)
Feb - nothing sadly
March - clear CCJ - (extra 20 pm added to budget)


starting to see the way forward at last!

in_need_of_direction

Looking good. Beware of the debt clearing addiction;)

abba1772

The way you're going with your wages and your debt reduction you'll be debt free in no time xx

dawnybabes

That's fantastic. Will your pay be lighter next couple of months as you're using holidays ?

catandy

basic pay stays the same but commission takes a nose dive December and January as sales dies just before end of the year... I work out all the payments I make on minimums then when I get extra available I pay it - so fingers crossed should all even out

monz

You are on the ball x

catandy

washing machine has died on me so have to replace that - was looking at freegle and freecycle and gumtree but feel that I have no guarantees that they would actually work and don't want to have to go thru replacing again - so cheapo machine from curry$ it is with a voucher for 20% off - 170£ allocated for that and due to be delivered Thurs of this week (which may be just in time before we get buried under a sea of dirty washing!


minor blip but hey ho nothing lasts forever - though I try and make it in this household

catandy

and this month is going to be super tight - work messed up my commission (light by 500£ which will be paid in dec instead now). tight but doable - that seems to be my way of life now..


all quiet at catandy towers, DS1 & DS2 are busy building their own lives so I see less and less of them so its just me and the cat


doing ok just feeling a bit blah with it all - keep on plodding

in_need_of_direction

Tight but doable is good. It means when the money does hit, you can use it to make inroads to the debt

dawnybabes

Agree doable is good - just think where you would have been last year :-)