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Aim to be debt free and on the way to improving file, I want my forever home
pma13
Posts: 134 Forumite
Ive seen all these very interesting diaries and thought it might help me stay on track to complete my own diary
So far ive been taking active steps to save money and this month Ive been able to use clear 3 outstanding debts and (which were very near the end admiral 76.00, Barclay overdraft 75.00 and argos 256.00 as well as paying my 200 dmp payment. In total started on dmp with 11,371.00
I feel I've done this month by being extra stringent and using all the wonderful tips from here and basically not having the luxuries I am used to.
In total we owe two barclaycard accounts 1,241.00 and 2,054.00 and Natwest is 557. approx haven't got exact amount with me. I also have a car through work which comes out of my wages so currently thats ok and have two years left and have student debt. Iam not sure how much left but that comes out of wages as well. So i knows it debt but as Iam managing that currently that is not my biggest concern.
My aim is to pay off the DMP and improve credit file which has clearly taken a battering and now means Iam in financial exile (which I know is my own fault). A combination of nursery fees/ husband losing job and the old head in hand because couldn't face reality got me in this position. But now Ive seen the light and although I keep having my depressing moments I know i can and will do this.
Over the last week these are the steps Ive taken and I will keep updating just what I ve done to keep me on this journey
Strict food plan which religiously kept to this is the third week and will be able to tell you what Ive actually spent by the end of the month. Ive kept every receipt....started off with a wkend of bulk buying and that has kept us going (family four)with main meals / puddings. And just had to get bread, butter, milk and fresh fruit.
Both me and hubby taken homemade lunches to work.
Son is getting free school meals as he is in year one and daughter has had dinner money because first week in new school but now shes doing this alternate days as a compromise.
opened a cashplus account as a way to try and help build my file again. But going to use it to put money on to buy the xmas presents. So serves a double purpose.
Bought my first xmas present ....very stingey 3.50 bottle of Charlie which my mother in law loves.....its the thought that counts.
Ensured I got my refund for a school club that I shouldn't of paid for (these little things I wouldn't have done before)
Downloaded a spreadsheet app and have started working on next months budget! my DMP goes up to 400 next month so need to be extra vigilant to accommodate this also iam trying to see if I can actually clear the natwest account as they keep registering defaults
even though if we were on a plan the payment we've been making is way above what I predict the minimum payment would be.
Logged on here every night!
Contacted electorol roll about incorrect dates!
logged complaints with both Barclays and Natwest over mis selling accounts- Worth a try!
xxxx
Positive mental attitude
So far ive been taking active steps to save money and this month Ive been able to use clear 3 outstanding debts and (which were very near the end admiral 76.00, Barclay overdraft 75.00 and argos 256.00 as well as paying my 200 dmp payment. In total started on dmp with 11,371.00
I feel I've done this month by being extra stringent and using all the wonderful tips from here and basically not having the luxuries I am used to.
In total we owe two barclaycard accounts 1,241.00 and 2,054.00 and Natwest is 557. approx haven't got exact amount with me. I also have a car through work which comes out of my wages so currently thats ok and have two years left and have student debt. Iam not sure how much left but that comes out of wages as well. So i knows it debt but as Iam managing that currently that is not my biggest concern.
My aim is to pay off the DMP and improve credit file which has clearly taken a battering and now means Iam in financial exile (which I know is my own fault). A combination of nursery fees/ husband losing job and the old head in hand because couldn't face reality got me in this position. But now Ive seen the light and although I keep having my depressing moments I know i can and will do this.
Over the last week these are the steps Ive taken and I will keep updating just what I ve done to keep me on this journey
Strict food plan which religiously kept to this is the third week and will be able to tell you what Ive actually spent by the end of the month. Ive kept every receipt....started off with a wkend of bulk buying and that has kept us going (family four)with main meals / puddings. And just had to get bread, butter, milk and fresh fruit.
Both me and hubby taken homemade lunches to work.
Son is getting free school meals as he is in year one and daughter has had dinner money because first week in new school but now shes doing this alternate days as a compromise.
opened a cashplus account as a way to try and help build my file again. But going to use it to put money on to buy the xmas presents. So serves a double purpose.
Bought my first xmas present ....very stingey 3.50 bottle of Charlie which my mother in law loves.....its the thought that counts.
Ensured I got my refund for a school club that I shouldn't of paid for (these little things I wouldn't have done before)
Downloaded a spreadsheet app and have started working on next months budget! my DMP goes up to 400 next month so need to be extra vigilant to accommodate this also iam trying to see if I can actually clear the natwest account as they keep registering defaults
even though if we were on a plan the payment we've been making is way above what I predict the minimum payment would be.Logged on here every night!
Contacted electorol roll about incorrect dates!
logged complaints with both Barclays and Natwest over mis selling accounts- Worth a try!
xxxx
Positive mental attitude
0
Comments
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arrrhhhh so annoyed just logged onto my DMP account and the Natwest debt that has been handed to Expertocredite has been refused again. We keep trying to pay and they keep passing the debt around and then refusing payment while putting defaults against hubbys name!0
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Hello and good luck on your Journey!
Be hard times and good times but you WILL get there!
All the best from the South Coast. :j(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0
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