Working towards being debt free and a new house.

dipdap

Hello diary
Why is it people always want money! :mad:
HMRC have written to us to say we owe them for overpaid tax credits (that's what we get for me changing job to try and earn more money :mad: )
The worst bit is trying to get them to stop paying you! Every time they recalculate what we're entitled to the system seems to pay us more money we end up having to pay back.
I wish this debt busting was easier, the way it's going we won't be debt free until 2020!

abba1772

I've just changed hubby's job details with tax credits and it's filling me with dread in case they over pay us.........they also informed me they don't have any of hubby's employment details for the past year :eek: even tho hmrc sent us letters confirming his new work placement as the payroll department were using his new tax code ......go figure xx

Hope your tax credit overpayment isn't too much xx

dipdap

Morning diary hey Abba :wave:
Weighed myself yesterday and I've put weight in again :mad: so back to the beginning! Need to stop eating junk food!
Hopefully now the kids are back at school I can finally have some me time with some peace and quiet
DH has been doing more overtime and he's paid more than me so hopefully that makes a difference to clearing these credit cards.
Looking at booking a holiday for next year, so one of the credit cards may go back up again have found a week at a holiday park for around £1,000 which doesn't seem too bad for all of us

dipdap

Morning diary
Feeling more optimistic today
Payday on Friday :j got a grand total of £46 to get us through until then
Luckily I've paid all the important bills so hopefully nothing unexpected comes up.
Would be nice to get the total debt down to £14,000 by the end of the month
Hopefully there's a nice big overtime payment on payday
Current weight 14st 10lb need to get this down!

dipdap

Outstanding debts for the end of September

CC1 £7,600
CC2 £700
CC3 £0
Car loan £6,050

Total debt £14,350

Have thrown everything we can at it this month.
Managed to get it down by around £400.
Not brilliant but if we can keep it going, it's good momentum I suppose

dipdap

Hello diary
Well things are looking up here (touch wood)
I've had 2 jobs for a while and my second job seems to be quite busy at the moment :j
Keeping fingers crossed it stays that way as the extra money is coming in handy (it's not much but it helps )

abba1772

That's great news fingers are firmly crossed for you xx

dipdap

Good morning diary.
Our debts going backwards this month :mad:
We've booked a beach holiday in the U.K. for next year to treat the kids (we've not been on a proper week long holiday in over 5 years) so that's set us back £1,000 but we've decided we can afford it in the long run and it's a treat we all deserve.
After we booked that we had to order 2 new beds and mattresses for the older kids (the old ones are over 10 years old) as they can't sleep in the old creaking ones with springs everywhere any more so that's set us back a good chunk of money too :mad:
In total this month I think the overall debt as gone up by £2,000 which isn't the direction we wanted to be going in.
I know we will get it down eventually, debt free by Xmas 2018 is now my goal.
On the flip side our savings currently sit at £8k :j so that makes the debt less scary

abba1772

Ooooooohhh are you going anywhere nice ???

At least you know why you're debt is going up ........I'm the same Xmas 2018 I hope to get my debt gone .....doubt it tho xx

dipdap

abba1772 wrote: »

Ooooooohhh are you going anywhere nice ???

At least you know why you're debt is going up ........I'm the same Xmas 2018 I hope to get my debt gone .....doubt it tho xx

Hey Abba :wave:
Hopefully we can both do it for next year, will be a very long time coming!
We're going down to Cornwall for a week, nice chalet in a caravan park not to far to the beach :j I don't mind a self catering holiday, I prefer a bit of home from home (plus it's cheaper!)
Some of our kids have never been to the beach so I'm proper excited about taking them
Hoping to fit in a couple of days visit to a theme park as well (early booking offers starting already) would be lovely if we can fit that in too. It's not usually break the bank expensive and the kids love going.
Hopefully 2018 turns into a much better year for us.
I'm ever hopeful of that lottery win to solve all my problems :rotfl: