Debt, debt and more debt

Stripes_The_Elephant

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dawnybabes

debt29140 wrote: »

can anyone help with how I would strikethrough the font on my post. e.g I am posted a to do list but what to cross of what I have done on it.


Thanks for your help

Can you not "quote it and then adjust it ?

I've never managed to knock anything off my to do list so can't help :rotfl:

debt29140

Sorry haven't posted in a few days. going tp start by looking at all of my to do lists to see what I still have to do today. Finances have gotten a little worse. will also take a look at these and give myself a stern talking to.

Wednesday 12th November

Tidy away all unhoused items in spare bedrooms - DONE
Clean bathrooms upstairs - DONE
Hoover all floors upstairs. - DONE
Post birthday card.
No dinner to make as hubby should do this today- DONE
Make soup for Thursday and Friday lunches (bacon and lentil) - DONE
Do a load of washing- DONE
Iron at least 1 shirt for hubby work on Thursday- DONE

Thursday 13th November
Make dinner- DONE
Tidy kitchen and hoover kitchen floor- DONE
Tidy hall and hoover floor- DONE
Clean downstairs bathroom- DONE
Iron at least 1 shirt for hubby if I only ironed one on Wednesday- DONE

Friday 14th November
Make dinner- DONE
Clean living room- DONE
Mop all downstairs floors- DONE
Get together stuff for DIY on Sat ( family are coming to help out with a few bits that have needed done since we purchased the house at start of year) - DONE
Have a large glass of wine! If I get all this done I will need one. - DONE- DONE

Saturday 15th November
Make a homemade cream of tomato soup for lunch as thank you for family doing DIY - NOT DONE (made a different lunch)
Have a nice relaxing dinner out with family (they are paying) - DONE
Relax

Sunday 16th November
Do a load of washing – Done
Iron all the washing done in the last week and put away (really need to put it away , normally lies on table until we wear it and ends up back in was basket again, any wonder my wardrobe looks so empty) - DONE
Give house a quick tidy (going to try and do this every day to ensure that I don’t have to spend a full night on one room)
Relax and watch a good film
Make a soup for lunch on Monday and Tuesday lunch – all suggestions welcome. Normally make veg broth, potato and leek, curry soup, bacon and lentil, tomato, carrot and coriander.
Make dinner for Monday night – this is the night I am most tempted to eat out, so need to be prepared for this night (might do a pepper chicken pie for Sunday dinner and this will also cover Monday)

WOW - managed to get way more done off my too do lists than i thought - maybe these lists will help me!!!

SO taking a look here is the revised list for today:
Make a homemade cream of tomato soup for lunch Monday and Tuesday
Relax and watch a good film
Give house a quick tidy – need to hoover where the drilling was done yesterday
Make dinner with enough left over for Monday night – this is the night I am most tempted to eat out, so need to be prepared for this night (might do a pepper chicken pie)
Go for a nice walk – it’s a lovely day here.

debt29140

So today has not been a NSD, had to top up electricity and will need some petrol. I have cut down on our spending since starting this diary but there has been additional spends added. As I get paid on the 20th of each month, I will calculate the total balance of debt on the 19th and will work from there.

I have one Christmas present to buy, this is a family SC and have a limit of £40 – this money will come out of present budget which will be replenished on pay day!

The aim for the month ahead is not to spend outside of the budget. I might use my diary here to

keep track of the spending for petrol, food shopping, elec and gas (both are on Pay as go).

So from the 20th targets are below. First time I will do this, so these may be amended for next month!

Category Budget Spend Variance

Petrol £160 £0 £160
Food £150 £0 £150
gas £50 £0 £50
elec £50 £0 £50

Challenge is on!

debt29140

Ok so in preparation for pay day tomorrow and the 1st month on my debt busting journey I can confirm the the grand balance is at £29049.43.
The plan is to pay the min balance off everything, but clear the Halifax cc which currently has a balance of £319.18. Just need to stick to the budget for the next 26 months. Not too long I know but will be tight going.

debt29140

Pay day here and paid 473 off debt so far. Going well. Need to lift cash put today to cover petrol, groceries, credit union, elected and gas. Won't be able to lift all today but will lift some tomorrow too. Want it all lifted so I can hide debit/credit card for a month. Was going to order a new pin for cc but not open but u can't do this with Barclaycard. If u forget your pin you can view it online. So think I will change it to something random and if really need to use it will have to check this. So by time computer starts I'll change my mind!!!

debt29140

so not been on in a few months, think the whole christmas thing got in the way. Between that and sickness.

On a good point thought debt is down from when i started on the thread and currently stands at a grand total of £28,305.91

I did hope that it would be lower than this, but fell off the wagon.

on a good point i have cash lifted out to pay for everything needed between now and pay day on the 20/1/2015.

So as the debt stands today the figures are below:
Loan 1: £3023.09
Loan 2: £2705.69
B'card 1: £8724.47
B'card 2: £3413.03
Virgin: £2090.44
Overdraft: £0.00
Halifax 1: £2230.36
Halifax 2: £0.00
MBNA: £3385.65
Credit Union: £2283.18

Money spending for the reminder of the month is as follows:
Elec £15
Petrol £40
Food £63

I am hoping that i will be able to carry over some of the petrol and food money to next month. Plenty of food in the freezer and as i'm off sick at the moment shouldn't be using much petrol!

Ideally i would like to be able to carry over or pay and additional £50 off the debt this month - this would go towards the credit union as i have this money in cash.

Challenge is on!

debt29140

Just remembered that I have a dress to take back for a refund, doesn't fit and won't be going anywhere to wear it, so instead of changing size, will get refund that'll be £22.99 off the barclaycard 1 and should take the balance to £8701.48. Need to find £1.48 to round that down!

Of i go to find things to sell and check paypal account for any money. Just checked paypal and £1.50 lurking there so will transfer that today.

debt29140

so nothing much to update on the debt figures. not left the house to spend anything or to return the dress. hoping to get it left back in a day or two when feeling a bit better.

But on the good front, debt has not increased!

debt29140

So update on the last few days.
12/01/2015
was a bit of a spendy day, lets see if i can remember on what!!
£15 at the chemist on an essential spend
£4 on a candle (can I count as essential as the lights might go out!!)
£1 on oven cleaner
£1.57 on cereal for the hubby
£0.90 on cream to make my cream of tomato soup for lunches (still not been made)
£4 on dilute and crisps in the £1 shop

Total: £26.47 (not too bad over all)

13/01/2015 £15 on elec - this was an essential spend! (although i suppose i could have used the candle i previously bought!!)

Going for a NSD today again - not planning as going out due to snow and sickness!