Back again

Brienne_of_Tarth · 23 May 2017 at 5:41PM

Hi all

I'm an old returner, slashed my debt last time I was here but it's back.

I live with my OH who is self employed and work full time. We don't have kids but lots of furry creatures. We both have our own accounts but have a joint one just for bills where we both put £440 a month into. This also covers an additional loan in my name for a new bathroom and finishes Jan 2018.

I had to change the car recently so now have a loan of £7931.00. Luckily it's only at 3.2% so the interest is 'only' £431 (original loan £7500) the car is cheaper to run than the old Landrover I had so figured the extra £40 could be swallowed up with the diesel savings which it does.

I can overpay the loan happily and have signed up for YNAB and every penny of my remaining salary is accounted for until payday in 8 days. Next month I have a bit of detached duty and petrol expenses coming.

So far I have:
Ebobbed stuff sales £101
Charity shopped three in bags :eek:
Used the lost account finder and found two accounts with funds in so need to get that out. :beer:
Signed up to YNAB.
Sorted my incorrect tax code which dropped £170 off my take home pay last month.
Meyer readings show I'm £186 in credit for gas/leccy so will ask for some of that back and put toward the bathroom loan,
Changed loan pay day from end of month to 1st.
Joined one of the DFW challenges :cool:

Looking forward to meeting you all and forgive my ramblings

Brienne Of Tarth....

Anyone seen Jaime?????