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First Payday since the light was turned on!

Finally got to pay day!!

For the first time in soooo many years I have gone online and paid all of my bills before I have the chance to get the money out and spend!! I did the budget planner and have transfered the money I need to save to my husbands savings account so I cannot touch it (and he is very good with dosh and is under strict orders not to let me touch it!)

I am getting my money for the month out tomorrow and giving to hubbie who will give me my weekly allowance every Friday. I know it sounds a bit drastic but I know this is the only way it will work for me.

Amazing but I feel more in control then I have done for ages and havent paid much off the debt yet!! But I have paid more than the minimum payment on everything except the fixed loans!!!

Sad but true I feel ever so slightly holier than though at the moment. :j

Thank you all for your continued advice and support. xx
Proud to be dealing with my debts!

Overdraft [strike]£250[/strike] £178.01
Catalogue [strike]£207[/strike] £157
Mastercard [strike]£3407[/strike] £3370
Northern Rock 17000
First Direct £8000
Visa [strike]£1200[/strike] £1000
Lightbuld moment at 28/08/07
Highest total debts are £28864 Aug 2007 :confused:

Pay off 3 debts by christmas challenge:

Overdaft, catalogue and visa :rotfl:

DFD Aug 2012

Comments

  • madmoney_2
    madmoney_2 Posts: 687 Forumite
    well done!!!:j
    i know how you feel about not paying much off but you have to remember that its going to be a long journey ahead of us, and the fact that u r budgeting just shows how far you have come!
    its payday for oh tomoz, i get paid weekly which we live off. oh wages are all spoken for with various debt and bills!
    keep it up hun :cool:
    LBM 29/07/ 07
    TOTAL DEBT: [strike]3300[/strike]1500
    DFD: Aug '08
    :rudolf:Pesky Xmas Savings Challenge: 62/500 No.006 Of Lucys Party Season Challenge 14/09/07: 4.5:mad:/28lbs:xmassmile

    Official DFW Nerd Club No.641
    Proud To Be Dealing With My Debts
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    It's quite a buzz when you first take charge of your finances...well done and hope you manage to stick to your budgets and keep going with the overpayments. :T
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • tealady
    tealady Posts: 3,856 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Watch out you are on the 1st step to becoming a full blown MSE addict. I have to have my daily fix of reading threads, and I pick up loads of useful tips as well.
    Find out who you are and do that on purpose (thanks to Owain Wyn Jones quoting Dolly Parton)
  • Yorkielass
    Yorkielass Posts: 2,235 Forumite
    Part of the Furniture Combo Breaker
    I know the feeling - I was updating my spreadsheets last night and checked online banking again and I'd got paid - about 11.30 and it was such a relief. We're not in debt (other than mortgage and student loans :rolleyes: ) but it's been really tight the last couple of months for various reasons and because I was being paid weekly (and storing the money in an online saver until the start of the next month) and OH gets his money quarterly (it's a grant) and transfers it each month into our current account and so the last couple of months we've been transferring it all a bit before the start of the month which made Augsut very tight but we did it and for September there's a budget in place.

    Good luck with September and may the light keep shining brightly :A
    Initial Mortgage January 2024 - £160,000
    Initial Mortgage free date - January 2058
    Mortgage as of 1st February 2024 - £159,134.98
    Overpayments to date - £79.62
    Current Mortgage free date - January 2058
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