Dragons DMP .

Aloofdragon

Aloofdragon wrote: »

The following are our debts. black=gone hooray!! Blue- being dealt with. Will be next..

Argoscard- [STRIKE]£1105.22[/STRIKE][STRIKE]£1076.90[/STRIKE][STRIKE]£1000[/STRIKE][STRIKE]£950£925[/STRIKE][STRIKE]£900[/STRIKE][STRIKE]£875[/STRIKE]£800

Creation c/c [STRIKE]£1000.00 [/STRIKE][STRIKE]0.95% £550 £400 now[/STRIKE]. CLEARED 2/1/15.

Moorcroft [STRIKE]£162.34 [/STRIKE](old water bill) [STRIKE]£155[/STRIKE]£140

Cabot DCA- Marisota £981-15.- Offered £10.00 a month on 29th/12/14

Barclaysloan-£5955-15

Barclays O/D- £842-74 (£570 allowed)

Curvissa[STRIKE] £144.54[/STRIKE]-[STRIKE]£135[/STRIKE][STRIKE]£125[/STRIKE][STRIKE]£120[/STRIKE][STRIKE]£114.50[/STRIKE][STRIKE]STRIKE]£82[/STRIKE][STRIKE]£75£68[/STRIKE][STRIKE]£65[/STRIKE][STRIKE]£60[/STRIKE] cleared 17th FEB

Barclaycard [STRIKE]£1246.55[/STRIKE] £1200 credit limit being charged for being over it. [STRIKE]£1100[/STRIKE]£1075./now [STRIKE]£1050.[/STRIKE] [STRIKE]£255.33[/STRIKE][STRIKE]£173.33[/STRIKE]- CLEARED 5TH Feb..

I personally have a credit union loan for [STRIKE]£3000 [/STRIKE]£1300 that I pay £25 a month on but it has dragged on forever and would like to make extra payments on this, plus owe a local shop[STRIKE] £508£358[/STRIKE] [STRIKE]£308 [/STRIKE]£258 for flooring this is a pop in and pay whenever your passing type arrangement.

This is where I am 17th Feb 2015.

monz

wow you have definitely been attacking left right and centre x

Aloofdragon

Yea I have Monz it's the only way for me all or nothing once I have sorted this Argos, Moorcroft and Overdraft I am then resigning from mass pay offs as I can't physically overpay on the loan so will leave that tick away at £100 a month quite looking forward to having a different focus now I am getting bored of living payday to payday to clear bills I want to YNAB myself into a comfy place even with that loan outstanding. Hopefully by June I will be there.


Raining pouring here this morning I don't actually mind being tucked away in my office in weather like this, thankfully it's my last shift of the week, I have noticed my mood swings are coming back I haven't felt low for a long while I def think this is down to lack of being out and about both socialising and now I am working a constant Mon-Thur I am only now doing one school run a week and with the weather so bitterly cold walking is a necessity rather than walking for exercise and enjoyment, I re-started my st johns wort last night and will order some more at the end of the month, I find with these my moods are at a constant level right through the month no hormonal swings, no feelings of dread, and no wanting to divorce my husband lol. I had that feeling all day yesterday and it isn't nice, I held off arguing but was glad to see him go out to the local pub quiz that's for sure. So back on my levellers and got a week to source a good price for next batch... Being a woman isn't easy eh.


Who killed Lucy???


O paid a sneaky £25 off Argos this morning I have £170 to pay in the bank tomorrow so hopefully will cadge £30 off other half and pay the full £200 off this will take it down too £575 as I am at £775 now.

Aloofdragon

Just made another payment to Argos which is now down to £600 I have a really antsy spendy feeling so I think I will make this the last month of throwing every spare penny at debts for a while I think I need to catch my breath for a few months and build an emergency pot I will have £350 to pay off this £600 next Friday then will clear it week after I have just trawled through all emails and avoided spending a load of vouchers I have received spend so much type, I don't even really need anything I am just feeling hormonal I think hope this St-Johns wort kicks in soon.. Half term nearly over now at least it is the last hols of the winter spring soon !!! DS has gone out for the evening with my eldest, hubby has gone out having a game of football with his mates and im sat in avoiding the fridge as its slim world tomorrow lol hmmm ..

abba1772

You're doing really well with this argos card xx

I think when most people are polling all their extra money into debt they do experience a spending spree feeling lol I know I do xx

Aloofdragon

Hiyas diary, a few more payments made to argos which is now down to £400 I have £200 ready to pay that off it on Monday, so will clear it next Friday out of my pay can't wait to see the back of it. Had this months interest added this morning only £8.65 thank goodness so will be glad when theres no more interest to pay.

Slimming world is going well DS is down my inlaws for the night hubby home from work at 5 so looking forward to snuggling down for the evening and watching crpa on tele. Raining here again now was lovely this morning, I am clocking 11,000 steps+ on my fitbit now regular so thinking about doing the race for life in the summer but will see how I am doing by april before deciding.

I have a headache from hell and pmt badly so really need some good pain relief and a walk soon so hopefully this rain will stop as I am not in the mood for cold wet walking ...

Still haven't heard anything from MARLIN/CABOT REGARDING AN OLD CATALOGUE ACCOUNT SO BURGER THEM i WILL WAIT FOR THEM TO GET IN TOUCH. caps grrr... right tablets time.

abba1772

I love my fitbit makes you see how active u really are xx

Aloofdragon

Morning diary, Argos down to £200 now will make daily payments off it now until cleared on whatever is in the bank then clear it Friday, I am totally blown away how little money you can actually get away with spending when your in MSE mode, I am going to get hubby to ring Barclays through the week to set up a direct debit to clear the loan and overdraft so although we are certainly not debt free when moorcroft is also cleared this month we will then have no more huge debts to pay off and we can start an emergency fund, I am so glad we done it this way tho not go with S/C and a dmp as we would be nowhere near where we are now for at least another 5 years, I think very luckily we caught our money problems at the right time before £13,000 spiralled into £30,000 that sort of number we would have no chance of taking control.

Monday morning, my middle son that moved back in last month starts work this morning thank goodness, and my poor eldest son moved in with his future inlaws yesterday to save to buy their new home hmmm how long they will last I don't know.

Hubbys IBS has kicked in over the weekend off the back of a bottle of wine late nights and not watching what he is eating, it is so unfair he works so hard has his weight completely under control and knows to avoid his triggers but having a little bit of life and he is knocked sideways again.

Hiyas ABBA I am addicted already but god where do people find the time to hit 30,000 steps I really struggle to hit 11,000 especially when weather is bad I have personally started walking straight after work and I still have to get on ex bike to finish them at 10.00pm I use that as my cut off time lol

abba1772

I font know where they get they're energy from I like to think I'm fairly active but on days in the house where your catching up on housework, it's kinda disappointing to see how little steps you've taken lol xx

Aloofdragon

Really annoyingly can't afford to slam £200 off the argos it bugs the hell out of me we have pots of money here there and everywhere that I know could clear it but although we have plenty in the bank I know it's a long time til payday to be fretting needlessly. I have a cheque to put in Friday and some cash so will pay that off it and wait til 2nd payment of our hols comes out on the 10th and see what I can wangle !! I know it will be cleared by end of March but I so hate waiting, I have been helping my DS out a bit he is being messed about with wages etc, but it is Mothers day and my birthday this month so any cash will go off argos and then I will treat myself to something new end of month or that is the plan anyway..