Taking control

takingcontrolatlast

omg - what am i doing considering a holiday!

i posted on another forum today the fact that i owe tax credits approx £2500 which they havent chased me for even though ive set up DD and as they havent took it ive ignored it. i have been quite rightly advised not to ignore the situation its a priority and I wont ignore it any longer (2 years) and will start to sort it out. Got to rethink my budget.

On top of that i checked noddle account and found discrepancies with Lloyds debts (which i have asked advice for on another forum) - im feeling stressed now.

Its OH meal tonight for his bday - treat to us by inlaws and i dont want to go.

Please remind me that its good to sort these things out and its why im here as i totally want to ignore the stress.

takingcontrolatlast

calmer today: forgot to record yesterday was a NSD im getting a buzz out of these days. The actual amount I owe tax credits is £2706.19. Im going to sit down tomorrow and do SOA with OH and then compile a letter to them. I really dont know why they didnt take the DD as its all set up with the bank. Anyways progress being made to clear another debt.

takingcontrolatlast

Another NSD today

Im taking more of an interest in my finances since I joined the site and Ive been looking at noddle over the last few days; in particular my defaults with Lloyds. im so confused as i hate figures!

Today i just looked at the current account. the debt was passed to moorcroft and the way it is recorded is strange but final balance outstanding looks better than what i calculate it to be so not going to argue with them - the next to review is the loan - ill attempt that next week.

The thought of making contact with anyone though gives me anxiety and brings back all the "bad times"

takingcontrolatlast

Signing in but not much to report as waiting for pay day. Still got £20 Tesco gift voucher in purse but actual coinage in purse reduced to £5 now which im still chuffed with though guilty of buying lunch today as i was being lazy and didnt make a HM one !! - could have been £3 up !!

takingcontrolatlast

Quiet day money wise. Spent my £5 on toiletries (should be free in my opinion). Staying motivated by reading diaries. Roll on pay day.

takingcontrolatlast

Used the Tesco £20 gift voucher to put petrol in car - tomorrow will be NSD as i got nowt !:rotfl:

takingcontrolatlast

im upset today as creditor asking me questions (put on another thread) and it just takes me back to the very bad times :mad: \

I have a feeling it wont go away as she is asking me questions even though Im paying monthly - i can only wait and see what happens.

On a positive note its pay day tomorrow and i can update my challenges

takingcontrolatlast

Well today i have updated my challenges Not sure about committing again to ebay - will think on it as im not a fan although I should considering my dilemma below.

I went dentist yesterday and got a bill for £125 which wasnt budgeted for and is now causing me problems for the rest of the month.Its going to be another tough month for me again - need a money angel x

takingcontrolatlast

ive missed not posting my diary for a week! Ive been extremely busy with work and other issues but glad i can post again - i do need the focus.

Pay day came and went! The good news is that i am still on budget. Ive still got a few dd to come out, a night out with a friend tomorrow (just a bottle of well deserved house red to come out of budget) but its going to be a tough Feb!

i sadly didnt utilise the money ive saved by not paying car tax to pay back mum as the dental bill came in and it went on that.

I would like to do as many NSD as possible in Feb - actually should read WILL DO

Goals for Feb:

1. i want to achieve 20 NSD starting today (technically Jan :rotfl:)

2. continue to meet challenges

takingcontrolatlast

Yeah got a day off today :j

I havent joined a slimming club as really i cant justify paying around £25 a month to them! I think there should be a challenge on the forum im sure ive seen about losing weight - need to look further. Ive got all the books on how to lose weight ... no point just reading them hey !:rotfl:

Ive got a few more knitting orders which is great.

Ive got a box dye for my hair but tbh i just dont feel like going out tonight - debating on rearranging

I want to do something productive today - house is a bin :rotfl: i should do housework really - tidy house, tidy mind, ie focus on raising money!