Drifting in a Sea of Debt

BettyBones

Back from my work trip and my mileage claim came to £188.55 all told :j Hopefully this will land in my bank account tomorrow so I can pay my bills account back the £81.40 I borrowed to pay the car insurance and stick £40 back on the Tesc0 credit card to cover the petrol cost. That will leave me with £67.15 which I'll dump into my motoring account.
Nothing else to report really. I feel like I'm just marking time until payday now. 2 weeks and counting

BettyBones

Back in March, when DS asked me what I wanted for Mother's Day, I (stupidly) asked him for a car cleaning kit so that I could save the £3 a time that I pay to put the car through the car wash. What was I thinking!! Have just spent nigh on 3 hours cleaning it and I'm exhausted!!! The kit comes with upholstery cleaner, glass cleaner, bug and tar spray, alloy shine and back to black tyre stuff... among a whole host of other things. Really??? Who on earth needs/has the time/can be bothered with all that shenanigans??!
My brain is telling me that it's very MSE to clean your car yourself... but my body is saying just go back to paying the £3 and stick it through the car wash :rotfl:

BettyBones

Got up super early today to jump online and see if my expenses were in my account. Thankfully they were and harmony once again reigns in the Bones household Everything is paid, back on track and up to date so all I have to do now is pootle through the next 2 weeks until payday. I usually food shop once a week with a £15 budget but Tesc0 have very kindly sent me a voucher to get £6 off a £40 shop so I'll do a 2 week shop with that tomorrow and stock up on a few bits that are running low (coffee, rice and pasta mainly). I think I can live with going £4 over budget to gain £6... although I'm determined to spend £4 less on the next shop to make up for it. I think I've finally come to understand that if you want to win the war with debt and actually hang on to your money then budgets need to be stuck to. So there's no more willy nilly spending for me. Going forwards, budgets will be set and strictly adhered to. It's the only way.
Have a super duper day everyone... it's Friday... Yippeeeee!!!!! :beer::j:beer

Orange_Ena

Ooh it's all happening Betty, not long to go.

Loved the tyre / inflation joke :rotfl:

BettyBones

10 more days till payday and I have just £57.66 left in my bank account. Which is weird because at this point in the month I'm usually lucky if I have £30 left. There must be something that I haven't accounted for... but I can't for the life of me see what it is. I guess I'll just have to hang on to this excess for the time being and keep a close eye on my account to see if anything goes out that I'd forgotten about.

BettyBones

Found out where the excess money came from. When I went on my work trip I wasn't around to do the weekly food shop (£15) and I didn't put my weekly (£15) petrol allowance in the car. I put £40 of petrol in the car using the Tesc0 CC and paid this back when my were expenses were paid. So I do indeed have a spare £30 this month. Woohoo!!! It's the first time in a long long time that I've had 'spare' money... so much so that I have no idea what to do with it :rotfl:

BettyBones

Can't quite believe that my debt free day has finally arrived. As of today I am totally debt free! Woohoo!!! It would have been yesterday but my internet banking was pretty much down all day and wouldn't let me make the final payments :mad: But today the deed is done and that's it, I no longer owe so much as a 1p to anyone :j :j: :j

Debt totals last month:
Tax Credits: £0.00
Capital One CC: £0.00
Santander CC: £0.00
Halifax CC1: £0.00
Halifax CC2: £515.00
Tesco CC: £110.00
Total Debt: £625.00

Debt totals this month:
Tax Credits: £0.00
Capital One CC: £0.00
Santander CC: £0.00
Halifax CC1: £0.00
Halifax CC2: £0.00
Tesco CC: £0.00
Total Debt: £0.00

:j :j :j :j :j

lcc86

Congrats Betty!!! Really pleased for you, hope you've posted on the debt free roll of honour! Good luck in whatever plans you have now you're debt free

Verbatim

Congratulations! You've done it. When's the holiday?

BettyBones

4 weeks on Monday. Woohoo! Can't wait!! I shall be sailing off into the sunset as poor as poor can be... but I'll be happy poor