In pursuit of happiness - the kebabmeister's debt diary!

arthurdick

well done ;0.. must be a brilliant feeling, 1 that i should get in a yr or 2

arthurdick

oops that came across a bit sarky, didnt mean it like that. honest...i really do mean it must be a good feeling to buy prezzies without using a card.....a feeling that im hoping for by the end of nxt yr.... i just have to av a bit of plastic surgery 1st.. then i am on me way to getting over this

donner_kebab

Only managed to do it this year cause I started putting money away in January! Knew I would get in a state for mini-me's birthday and everyone's Xmas so put away a little each month and luckily, have never spent it!!! Been hard to resist the urge but well worth it if I can get everything without the cards. Gonna be a tight one this year anyway!!!

arthurdick

it may be tight but well worth the good feeling....i admire how you didnt touch the savings, i know i would av... you know, those "do i just work to pay the bills" days,. i would av thought, ok time for a bit of me time, av a few pints... .. but i am trying my best to ignore those days n feelings, i know that if i get through this debt, there will be plenty of time for me to go out and enjoy meself, without putting it on a card.... just gotta get there 1st

donner_kebab

The thing that is keeping me going at the mo is the thought that if I didn't have to pay any debt every month, e.g my Cahoot loan and all my credit cards, I could actually have some money to spend on myself and mini-me. Sooo much is being eaten up by debts and interest payments it is ludicrous! Makes it worse I have nowt to show for any of it...it's so easy to think I will spend a few quid here and there but it soon adds up so trying mega hard not to!

arthurdick

ha donner, i know the feeling there , but u are getting through it pretty well.. it does take a lot of willpower.. i think u av more than me, im so easy led.. but, the thought of being debt free , cards not mortage, is my aim, and that is whats keeping me going, iv just gotta get this xmas period outta the way, i enjoy the atmos in the pubs at this time of yr.. much easier for me to save in the early winter months...... i have to go now, need a little bit of kip, been kept up all night by 2 little babycats (kittens) .. good luck, see u soon

LookingAhead

Keep that thought D-K! I know exactly what you mean...and it will whittle down and one day you *will* be rid of those pesky debts!

donner_kebab

Hello everyone,

Been feeling really shattered out recently...dunno what is going on! Is it this time of year? I wish I knew! Anyways...pretty much finished this SOA malarky! Here it goes.......

donner_kebab

Incomings per month....

Wages - £1278.38
Child Benefit - £72.40
CTC - £249.90
TOTAL - £1,600.68

Outgoings per month....

Council Tax - £83
Rent - £289.36
WFTC Overpayment - £25
Cahoot Loan - £174.94
Electric / Gas - £61.50
Water - £34.38
Cat Insurance - £9.84
Washing Machine Insurance - £6.00
Mobile - £10.00
TV License - £11.37
Broadband / Phone / Few TV channels - £39.00
Childcare - £165.60
School Trip (until end of May) - £17.50
TOTAL - £927.49

Then comes the blasted Credit Cards.....These amounts are not exact as waiting for new statements....so they may actually be higher than this.....

£3099.79 HSBC - min payment £92 :eek:
£1954.75 HSBC - min payment £42
£992.75 Barclycard - min payment £22
£1310.27 Tesco - min payment £39
£2422.52 Virgin - min payment £73
£739.67 Egg - min payment £15
TOTAL - £283

Right.....Incoming minus Outgoings and all cards....

£390.19 - ****** But this figure does not include food and clothes so need to account for that really ******

donner_kebab

Trying desperately hard not to buy any more clothes now...could probably do with some boots for winter really and both of us need a hat, scarf and glove set for the winter but we both have coats so that's something...house could do with a few bits really like bedding and towels etc. Will look on ebay for the clothes. Hopefully when I start meal planning it will keep down the cost of foodies. Wonder how little me and Emily can live off of? Worried as could go for mega cheap food, but then what about nutrition...fruit and veggies can be quite expensive...also cat food for the beast! Blimey!