Making a move on debt

muppets

Not much to report these last few days, managed a few more NSD think I am up to about 9/10 NSD this month.

Still waiting for OH's final tax bill to know what we have to pay, normally the tax has to be paid by end of Oct, so hoping we get the bill in the next few days.

Heating had been on and off the last few days, it seems to have got warmer again, not that am I complaining, just with the weather would make up it's mind lol.

muppets

Wow where has the week gone, seems to have flown by.
Managed another 3 NSD making that 12 so far this month.
A payment of £15 has gone out towards the UK debts.
Still waiting for OHs tax bill to come through, I want to know how much it is so I can get it paid, but shouldn't complain I guess as while it stays in my account is earning a small amount of interest for me.
Yesterday I changed the bedding and got that washed and on the radiators before bed last night, it was mostly dry this morning, hoping it is all proper dry tonight so I can get that put away before the next load needs to be washed after work tomorrow evening.

muppets

Been a busy week and a half since my last post..

The main monthly food shopping was done on Fri as it was a bank holiday here on Saturday and all the shops were closed Sat, making Sat a NSD

Sunday OH needed some tobacco so have bought some for him this week from the budgeted tobacco money.

Managed small payments of £6 and £5 off the UK debts :T

Mortgage payment of 840.72€ has gone out :j

Managed to save a total of 73.34€ from shopping money etc in Oct so that has been moved over to the Tax repayment category on YNAB, I have also moved over 195.06€ which would have been the loan payment before I paid it off early a few months back.

Need to get to the post office today to post some letters off so today won't be a NSD, might call into Aldi later today to get the cola, water and butter that we get from there as it is cheaper then where we do the main shopping. Hopefully then tomorrow I might manage a NSD

Nov NSD 1/10

muppets

Didn't realise that it had been a month since I last posted oops.

A lot has happened in the last month, both OH and I have been off work sick, I was off for 2 weeks with full pay from my employer, OH is still off, he has received 2 weeks full pay off his employer and since then he has received 5 days pay from the sick health. He is still waiting for money from the sick health since the 17th Nov, the money from the sick health is only 60% pay, better then no pay at all. In the time that OH has been off work he was in hospital for 21 days, we have received a bill for the 1st 4 days of his hospital and are waiting for the bill for the rest of the days, will probably receive this just before Christmas and the final bill will work out about the same as 2 weeks wages.:eek:

In other news, we managed to save 135.33€ from shopping in Nov, easy I guess since I was here alone and didn't fancy eating so much so was able to save loads.
I have moved this money across to the tax repayments category in YNAB along with what would have been 195.06€ for loan payments in Nov and Dec for a loan we paid off early, using money we saved for tax to be paid in 2015. We now only have 674.92€ left to find before the tax is due in the middle of next year.

Mortgage payment has gone out for another month

UK debts are being slowly paid, all still on the same payment plans from back in 2009, since the companies don't ask for an updated I&E then I didn't bother to offer them higher payments when I was able to, instead I snowballed some of the money when some debts were paid off and the rest I have been saving and using for F+F, saving myself a few hundred £'s here and there.

Need to get out shopping today as have no milk left for tomorrow and have run out of most foods as we do the main shopping once a month and then very small top up shops on the weekends when we need things like veg or other small items. Hoping I can get away with not having to go to the pet store for cat food until the weekend or thurs

Hoping for 10 NSD this month, yesterday was a NSD today won't be, but hoping tomorrow will be one.

muppets

Managed to get a few bits done yesterday.
*- Went and got cash out for the monthly shopping and OH's tobacco money.
*- Bought OH enough tobacco and filter tubes for the month, still a few € left if he needs any more.
*- Cat food and litter bought for the month
*- Main food shop done for the month spending less money then I had with me, I had even held back some money for the small top up shops, yesterday we went to a supermarket that was cheaper then the one we normally go to, it was voted the cheapest SM in the area, not sure if that included Lidi or Aldi as some of the items we could have got cheaper there and there were some items like meats that we wouldn't have had as much choice from either of them.
*- Final electric and gas bill paid for the end of year bill, needed to up my DD about 20 € per month the company wanted us to up the DD by 70€ per month which I thought was to much after I worked out the average monthly cost based on the last 12 months usage.

muppets

Managed another 2 NSD making that 3/10 so far this month.

Wages from 2nd job in, just waiting for wages from job 1 and payslips from both to arrive in the post so I can see how much I need to save for my taxes.

No other news.

muppets

Wages from job #1 in, still waiting now for both payslips in the post to see whats needed to be saved for tax.

Also another NSD yesterday so now up to 4/10:T

muppets

Yesterday wasnt' a NSD as I needed to put petrol in the car for work, hoping that will last for the next 2 weeks.

Today OH's parents called over for a few hours and they gave us some money to help cover some of OH's hospital stay in Oct, they said they will also help with some of the cost from Nov too, just need to see how much that will cost us now.
Off to read some diaries now.

muppets

Am up to about 12 NSD now this month :j

£23.50 paid yesterday to the UK debt.

Yearly health fund has been paid for both OK and I which was 107.50€ each, this has come from out health fund pots which was saved through out the year, still a small amount left in the pot which I will leave in there and keep adding to it for next year.

Finally had the bill for OH being in hospital in Nov which was 447.68€ and needs to be paid by the 1st Jan, will get this paid either tonight when I get back home from work or tomorrow before we go out to the inlaws. The inlaws have said they will give us 125€ towards this bill which means we only have to pay 322.68€ which is still a lot, there is due another bill which I think will come next year now for some tests OH had done while in hospital, these were done at a different hospital so waiting to find out how much that will now be.
OH had it confirmed that he can go back to work on 2nd Jan :T

Back out to work in a bit will be glad when christmas is over :rotfl:

muppets

Another 2 NSD making that now 14/10 this month :j

Another £15.00 has been paid to the UK debts.

OH's parents have given us 125€ towards OH's hospital bill leaving us with 322.68€ to pay, which we have now paid in full.

Working this afternoon/evening and finishing at 8pm then I can put my feet up for the big day, I only have the 25th off work and have to be back in work again at 6am on the 26th

Off to get ready for work, hoping that work is quiet and that it goes quickly.