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

slowlyfading

Good luck today! x

immoral_angeluk

barnaby-bear wrote: »

Nah I heard they got her off level 6 with a special passcode from BabyMaker4 on the Playstation

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :T

immoral_angeluk

in_debt_again_but_dealing_with_it wrote: »

Here's our SOA.

Debts-
Joint:
Car loan (£4995 but end up paying £7700) £160.50 p/m 24.1% :mad:

Husband's:
citi card - (£1500 limit £1464 owed) £45 min 27.9%
Dell - (Not sure how much left approx £400) £22 a month
Rockwell collection agency (approx £400 left) £20 a month
Capital One (passed back to them from previous collection agency, £580 but not paying anything yet as they've only just got in contact and are messing us around demanding full payment and not accepting any payment plan GRRR)

Mine
My citi card - (£500 limit balance £480) £15 min payment 27.9%
Capital One - (£600 limit, £436 balance) £21 min 29.9%
Barclaycard - (£900 limit, £872 balance) £22 min 19.9%
Dorothy perkins store card - (£1790 limit, £523 balance) £25 min 29.9%
Mothercare - (£600 limit, £500 balance) £25 min 29.9%
Black Horse loan (Not sure exactly how much, about £400 left) £22 p/m

Total Joint Debt: £11100 :eek:
Total currently going out on debts each month: £382.50

Monthly outgoings (house bills etc)
Rent £286.83
Council Tax £99
Tv license - £10.54
Water- £24.15
BT phone + broadband (Stuck in 18 month contract :mad: ) - £35
Gas and electric - £65.50
Tv rental - £28 (Stuck in contract til March but have already reduced from £45! :T )
Car insurance - £33
House insurance - £2.20
Food - £150
Petrol - £60 (Will decrease probabaly by half as I start maternity leave in november)
Driving lessons for Steve - Currently £19 a lesson


Money in (as of November 06)-
Husbands wages - Roughly £850 min per month but he does get overtime
My wages (Based on maternity pay as I start my leave in 3 weeks) - £471
Child benefit - £69 4-weekly
Tax credits - £44 per week

All the credit cards have been cut up and I can't physically spend anymore on capital one as I've agreed to cancel the account as soon as I've paid the balance off as they want to up my interest to 34% from 29.9%! :mad: I HATE CAPITAL ONE SO MUCH. :mad:

My god reading that back makes for scary reading!!! :eek: :eek: :eek: :eek: :eek:

onamission_2

Best Of Luck ! :wave:

immoral_angeluk

Compared to next month's outlook...

£296.55 rent
£5.18 house insurance
£11.41 tv licence
£17.18 Water
£104.00 Council tax
£160.50 Welcome car finance
£55.00 Gas/electric
£34.89 Tiscali (phone, internet, calls and broadband)
£34.15 Car insurance
£35.00 Ste 02
£40 Petrol (based on 4 weds month)
£200 food (based on 4 weds in a month)
£4 (?) Kitten insurance
£40 ste lunches

=£1,287.71 outgoings

Income
£940.40 wages
£408 tax credits
£120.80 Child benefit

=£1469.20

= £181.49 spare a month just for spending :whistle:
:rotfl:

immoral_angeluk

Oct 06 outgoings.. 1188.32
ste spending £11ish a day over approx 21 work days. = £231
oct 06 incomings.. 1566
= £146.68 spare just for spending..

and that's when I was GETTING PAID!!!!! :eek::eek:

immoral_angeluk

£296.55 rent
£5.18 house insurance
£11.41 tv licence
£17.18 Water
£104.00 Council tax
£160.50 Welcome car finance
£55.00 Gas/electric
£34.89 Tiscali (phone, internet, calls and broadband)
£34.15 Car insurance
£35.00 Ste 02

=£753.86 bills

Wages £940.40 used to cover bills = £185.54 leftover


Weekly Living Income
£102 tax credits
- £50 food
- £10 petrol
- £10 practice
= £32 a week for everything else
£128 a month

+ £120.80 child benefit 4 weekly


= £434 more than we had before...:T :T :T

hang on.. why does that add up different??????????

immoral_angeluk

oh and while I'm being a bus... just a quickie ebay update

Selling Totals
Auction quantity: 14 (5 will sell) Bids: 27 Watchers: 61 :eek:
Amount: £61.33

mrsspendalot

Wow IA, it just keeps getting better! I can't believe that you will have all your debt gone by the end of the month. I am so jealous! I have another year to go but we are only on 0% debt now so it doesn't feel quite so bad as having credit cards to pay.

immoral_angeluk

I know but thanks to my rubbish excel skills I'd managed to forget a row in a formula meaning that we've an extra £60 to find now.. :rolleyes:

875.49
22.85 quidco
60.8 child ben
128 tax credits
105.37 wages on 19th
179.99 d.a.p
61.33 ebay
5.33 leftover wages from last wages

£311.82 to go...