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Need to get myself together: The beginning
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MoneySavingExpert
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Card is down to £371. Will do my best to get this down to £350 by end of the month.
Italy is at end of the month and I am so excited
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
So much has happened.
Firstly the case was dropped we won!!! It is all over with. Secondly, we have now moved
So since we have moved we have colluded our income and joint income and also debt combined. It has increased as right now the garden is being renovated. JP has previous cards. I also have increased debt which I am throwing money at to get rid
I have booked Disney Paris for January to surprise the boys at Christmas so excited! JP also got new job at Scot Rail which is lot more money and I got a promotion in NHS Junior Services Manager which means at Christmas I can hand my notice in at hospital and just work one job
Archie is starting a new nursery shortly two mornings a week and we are just settling. Connor starts high school in few weeks also. Got both all their stuff in.
Debt is
MBNA (JP before met us) - £5,472.68 (paying £60 per month)
Virgin (JP before met us) - $4,303.61 (paying £440 per month - gone for Christmas goal)
Barclay (garden reno - I would have waited but someone is impulsive) - £4,980 (paying £150-300 per month)
Paypal (me) - £285.19 (paying £100 per month - gone by November)
Credit C (me) £668.59 (paying £150 per month - gone by Christmas)
Credit C (me again Disney Paris and no regrets!) £1,290.76 (paying £60 per month increasing when others clear)
Overdraft - £250 last
We both have increased income starting next month by £500 per month on top of our wages, this will start going down very quick
Current - £17,190.83
Plus our mortgage but just do monthlys at moment
Next month should be - £16,120.83
Back on it
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
Congratulations on the promotions, the moving and the holiday.
Great to see you, H x
AP 08.23 £95.00/£95.00 (100%)
D+ 09.23 £80.00/£80.00 (100%)
BP 10.23 £60.00/£60.00 (100%)
NF 06.23 £16.00/£16.00 £64.00/£64.00
X23+INS £1500.00/£1200.00
Renewal 24 £600.00/£148.00
Toiletries used up 27/188.
So this month its now looking like this -
Debt is
MBNA (JP before met us) - £5,472.68 (paying £60 per month) now £5412.68
Virgin (JP before met us) - $4,303.61 (paying £440 per month - gone for Christmas goal) - now £4203.61
Barclay (garden reno - I would have waited but someone is impulsive) - £4,980 (paying £150-300 per month) now £4830
Paypal (me) - £285.19 (paying £100 per month - gone by November) now £185.19
Credit C (me) £668.59 (paying £150 per month - gone by Christmas) now £589.52
Credit C (me again Disney Paris and no regrets!) £1,290.76 (paying £60 per month increasing when others clear) £1230.76
Overdraft - £250 last
Last month - £17,190.83
Now - £16,688.80
Next month will be a massive chunk with me now on my higher band and JP backdated wages should be a massive chunk... just for that month
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
H x