Need to get myself together: The beginning

abba1772

Amazing news I’m so happy for you xx

monz

Court ended up not being delayed and the hearing was on Wednesday.  No change so still on our side   The independent lawyer came spoke with us and now she is due to anyday now (I feel be today) speak with Connor to find out his wishes.

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 This has been my dream and after everything we are going through its deserved.  Still awaiting news on new mortgage

the_end_of_the_rainbow

What an awful situation- good luck with the lawyer x

monz

Sorry I have not posted in so long!!

So much has happened. 

Firstly the case was dropped we won!!!  It is all over with.  Secondly, we have now moved we are all so much happier where we are now in our new home and away from the drama.

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   Reason I am waiting is so we can chuck money at debt.

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

hugglemonster

Oh wow, amazing to hear all the good news!!!!

Congratulations on the promotions, the moving and the holiday.

Great to see you, H x

joeyjimbles

So glad that the court stuff is settled and they saw sense and found in your favour, must be so much less stress for you. Life is busy enough without other people making trouble.

Cherryfudge

That's all amazing! So glad the stress of the court case is behind you and you have the new house and a holiday to look forward to. Well done on the increased income too.

monz

Morning so JP wages were less than what it should be but it will be backdated next month and be a huge hit on bills.

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 still going down anyway so thats main thing  

abba1772

You’ll have that smashed in no time xx

hugglemonster

Great news on the debt payments and you have a solid plan. Will be nice to make a big dent in it next month.

H x