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Finally facing up to the Finances in 2015
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Took my car for service yesterday and it only cost £50 :j was expecting double that
On the other hand I decided to get the bus home as it was cold and I didn't want my little one out in it for too long, the bus was 2 miles each way (which I normally walk!) and it cost me £4.10 :eek: no wonder people don't use public transport
Went to visit my auntie and uncle yesterday afternoon and they gave me some food as they were making space in their freezer, so I've adjusted my online shop for Sunday as I won't have room for everything I had originally ordered.Jan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,5000 -
This morning I've finished my witness statement as I'm taking the tenants of property 3 to the small claims court for their unpaid rent (or part of it, I submitted the claim in October and it's taken this long!)
I've also spoken to a solicitor last week to get the possession of property 3 through the court process and made the first payment to him. His costs will pretty much wipe out my savings but hopefully I will be able to re-build them when I get the rent owed by the tenants - the first £1,000 which I am taking them to the small claims court for and the remaining £1,50+ (and counting!) should come directly from the council once they lift the suspension on the tenants housing benefit
Thank goodness I had my outstanding holiday paid to me in December as I've had to cover the mortgage payments for property 3 for several monthsJan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,5000 -
Are there any fellow Avon Reps on here?
I know I can make more money from my Avon business but I need a kick up the bum, especially in this weather!Jan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,5000 -
Sympathies re the tenants Laura, we have had similar issues on a smaller scale recently and it is very stressful. Really hope you manage to get it sorted soon.Total Starting Debt August 2014- £38,061
Current Debt- £3600
Mortgage Offset Savings- £600
90.5% paid off so far...0 -
Thank you PinkPoppies, just want it sorted so we can get straight and hopefully have some nice long term tenantsJan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,5000 -
I think you are being very sensible, sounds as though it will only cost you more if you leave legal action longer. Fingers crossed for nice new tenants!Total Starting Debt August 2014- £38,061
Current Debt- £3600
Mortgage Offset Savings- £600
90.5% paid off so far...0 -
Does anyone use Milk & More? I was looking at their website as it would be useful to have a few essentials once a fortnight and do a big supermarket shop the opposite fortnight and it looks like there's an offer for referrals - does anyone have a code they can send me?Jan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,5000 -
Been to family for lunch today, chicken chasseur was lovely. Also came away with some sandwiches for work tomorrow so that's one less task for tonight
Not listed on eBay for a while so I've put 5 items from my Avon stock box on there to see how they get on, I have a feeling there are tonnes of Avon items on there but I've had them too long to send back and they would give me some space.
Then tomorrow is back to work for me after 13 months maternity leave I unfortunately have to go back to workJan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,5000 -
First week back at work and I'm exhausted!
Looks like my other half will be paid holiday pay for last week not just the one day he worked as we though, so I can make a start on clearing the car payments, hoping for £175 a week
Also get my Avon statement tomorrow which tells me how much I will be paid next week, always exciting as its commission based on what my team have soldJan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,5000 -
Well the other half didn't get paid quite as much as I expected, I don't think he's built up enough holiday days to be paid for the full week but still we got some.
Made a £75 payment to my car loan this morning so it's a start.
Should be getting my first Milk & More delivery today so not costing me much with £10 off the first order and did a big shop last week so hopefully won't need much else this weekJan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,5000
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