IA's 'Does my bum look big in this Debt?' Diary

beanielou

immoral_angeluk wrote: »

See? Being council scum isn't that bad after all... :rotfl: :rotfl: :rotfl:

Not bad at all lol

immoral_angeluk

Morning all... it's tax credits day so we are officially back on the straight and narrow. If there is such a thing.. :rotfl:

So as it stands this morning we have £60 in the normal bank for food and petrol (Which we don't actually need because we're still doing ok from topping up the tank to go to blackpool.) so instead that £10 will be used for band practice on sunday and beers after.
Then in savings we have £42.29...
£250 cheque still to clear.. should clear tomorrow.
Ste's wages are going in tomorrow so that'll be £97.85 left over after the bills as there was £7.44 left over from last month as well
Had an email from envirofone saying the £33.01 cheque for Ste's phone is on it's way so should get that tomorrow or saturday...
Then £32 tax credits next weds...

meaning that all being well we will have £455.14 by the end of next week... :eek:

Where is Ste's new citi bill when you need it??????? We might be able to pay it off!!!!

Might give them a call and get a balance actually... I know it's a premium rate number but I NEED to know!!!!

:j :j :j :j :j :j :j :j :j

madmoney_2

well done ia - pay off peski citi!!!!!!!!


mm

immoral_angeluk

Right new SOA time now that we're in the process of switching insurances, paying off citi etc... this is taking into account once everything is switched and citi is paid off..

Bills
Rent £296.55
TV licence £11.41
Water £17.18
Council tax £104.00
Gas/Electric £55.00
Phone/Internet/Line rental £34.89
Car insurance £33.78 (Haven't actually switched this yet but it should be about the same as although I'll have 4 yrs no claims we'll be protecting it this year and have had some quotes already.)
Ste 02 £35.00
Contents insurance £5.18


Debt
Welcome Car finance 24.1% £160.50
Egg 0% til June 08 £13.18
Barclaycard 19.9% £19.00


Total
Wages £940.40
Outgoing £799.63
Left £140.77

Weekly Budget £102 (Tax credits)
Food £50
Petrol £10
Ste lunches/spending £10
Band practice £10
Savings £22

Savings total...
Leftover after bills £140.77
Child benefit 4 weekly £120.80
TC savings £88 based on 4 weds month
= £349.57

Hurrah!

tigzem

Morning IA,

Loving the doors, very posh!

What are you spending the £250 from your Mum on, I can't seem to find that anywhere?

DD got a cheque from Nationwide yesterday for £160, for their merger bonus, she's a lucky girl. I could do with £160 right now!! lol

immoral_angeluk

tigzem wrote: »

Morning IA,

Loving the doors, very posh!

What are you spending the £250 from your Mum on, I can't seem to find that anywhere?

DD got a cheque from Nationwide yesterday for £160, for their merger bonus, she's a lucky girl. I could do with £160 right now!! lol

The £250 is going towards debt. It's the one thing we need right now... it's in the bank clearing as we speak.

What merger bonus??? Our bills account is with nationwide...

tigzem

I think it was only for Portman customers as Nationwide took them over. She got taxed £40 as well....:mad: I didn't think little ones got taxed.

Snaggles

Morning!!!

I've just renewed my car insurance (confused.com for the quote, and then bought via Quidco for the cashback, natch!), and something I noticed was that job descriptions can make a huge difference.....when I described Stu as 'driving - delivery driver', it was £50 more than 'driver - parcel delivery'.

Now both of these are perfectly accurate descriptions of what he does for a living, so it's worth playing around with it just to make sure you aren't paying over the odds because of a slight difference in job description.

immoral_angeluk

Snaggles wrote: »

Morning!!!

I've just renewed my car insurance (confused.com for the quote, and then bought via Quidco for the cashback, natch!), and something I noticed was that job descriptions can make a huge difference.....when I described Stu as 'driving - delivery driver', it was £50 more than 'driver - parcel delivery'.

Now both of these are perfectly accurate descriptions of what he does for a living, so it's worth playing around with it just to make sure you aren't paying over the odds because of a slight difference in job description.

You're kidding!! That's ridiculous...

Snaggles

Nope, I tried it about 5 times just to make sure I wasn't seeing things!