Unsinkable

[Deleted User]

doingitanyway wrote: »

Good goals there for September. You seem really focused lately.

jwil wrote: »

Good luck with September's goals

Thank you x

[Deleted User]

Well it's all over now....We got PC on Phase 1 baring a few snags.

Brought my lunch but didn't need it as lunch was bought for everyone

Dorastar

Have had trouble with PA here too, the new format is dreadful and have put in two complaints over surveys not letting me sign up even though I was eligible & in time. The goals are very similar to mine - overspent and overate on holidays and no new job yet so got to keep things tight.

HairyHandofDartmoor

Good luck with your new goals. I don't like the new layout for PA very much, it seems harder to use.

[Deleted User]

Back after my week off and what a week that was.

First of all, the good stuff:

Painted the lounge...finally
Paid off DS's misdemeanour from the Cap 1 card, just DH's expenses on there now going forward
Got a new car
Still got a job (although not permanent, yet!)

Bad things:

Major row with DH over money and the severe lack of it
Did a SOA, not good but definitely solvable
Bought new car as old new car was turning in to a money pit
Still not permanent but working on it

---

The row was mainly due to the fact that I want to pay off the OD and save us money by doing so, DH is of the opinion that we would only save the fees so not worth it. We are permanently in the OD (£2750) and I'm sick of it. DH has since agreed to get rid of it, I want to show him how much better we'd be, so that's a work in progress and lots of planning.

The car saga was ridiculous and shouldn't have bought it in the first place, there was so many mishaps that kept going wrong with it that I had lost any enjoyment of driving it. So we traded it in last week and I got a different one from a different dealership.

The plus side is that the new car is more economical than the last one, so that is a bonus.

Used DH's expenses to pay off the remainder of the Cap One balance from DS's idiocy and paid the rest off the BC. Once everything has settled down I will have a final figure for the BC although it won't be pretty but gives me a challenge for next year

I need to rework my pots and change one or two of them to reflect last weeks changes. The mortgage overpayment one will be going for the short term, but will update once I have final figures in place and I know what I want allocating where.

My plans from the other day haven't gone, they've just altered slightly.

[Deleted User]

Pots have now been reworked and look like this:

General - This is my default pot - will be used as my emergency pot
DD's Travel - Yearly
Overdraft - Will make a monthly payment until I hit target
CC Overpayment - Same as above
Cars - Again as above but no set target, will be used for all things car related
Household - Everything house related - may include Quarterly and Yearly bills??

The CC overpayment pot, will hopefully build up so that I can then make a lump sum off the BC. I'm thinking that ANY extra money I get can go into the pot and then off the BC every other month.

monz

Your living room is beautiful xx

[Deleted User]

monz wrote: »

Your living room is beautiful xx

Thanks lovely, DD wants her room painted in the same colour xx

hugglemonster

Oooh I want to see the living room!

Sounds like a busy week, totally agree with you about paying off the overdraft then you've got a clean slate and can work from there. I hope your new car doesn't cause any problems and you can enjoy it. Your plans and pots look achievable.

My dh gets annoyed with the debt too but he is as much responsible for why we're in the situation as paying it off so it's tough, I do try not to mention too much but just update him periodically as to what's been paid off. Keeps him and me happy!

H x

[Deleted User]

hugglemonster wrote: »

Oooh I want to see the living room!

I've got a photo uploaded on Instagranny

hugglemonster wrote: »

Sounds like a busy week, totally agree with you about paying off the overdraft then you've got a clean slate and can work from there. I hope your new car doesn't cause any problems and you can enjoy it. Your plans and pots look achievable.

Thanks, see you get what I meant but DH doesn't :mad: new car is lovely, definitely the last change for a while!

hugglemonster wrote: »

My dh gets annoyed with the debt too but he is as much responsible for why we're in the situation as paying it off so it's tough, I do try not to mention too much but just update him periodically as to what's been paid off. Keeps him and me happy!

I try to tell him that but he doesn't see the bigger picture and thinks all is well and that the debts are going down, they are but not at a rate where we don't need to worry as much