Adventure wanted, but first we must rid ourselves of debt

AdventureWanted

Oh my goodness it is hot today. Feel like I'm melting!! DC1&2 are missing tennis lessons this afternoon, as it would be unbearable to do in 33 degree heat and no shade.

I've managed to pay £30 to CC3 today.

I've had to book my car in to the garage as it's had a warning message come up about the AWD. It's going to cost £99 for an hours check up, but might cost more. Really hoping they can fix it in the hour and that it's only something small/not too costly!

jwil

You are doing really well :T Hope the car isn't too painful!

AdventureWanted

Just checked the hmrc website and DH is showing as no tax to pay at the end of the month and a £850 tax overpayment . I'm undecided with what to do with our refunds (about £1,050). At the moment I'm thinking of putting £1k in to the EF, although DH has suggested we get a new porch put on the front of the house which would cost £1k :eek:. There is definitely work that needs to be done to the house, but none of it is urgent, so I'd rather save for it.

DH has just popped out to b&q to buy a replacement slat for DC1s bed. Hoping he can fix it today and DC1 can sleep back in his bed tonight. Having DC1s mattress on the floor hasn't made it any easier for him to sleep at night. It definitely isn't any cooler .

AdventureWanted

Gosh it was hot last night. Temperature didn't get below 30 degree in the bedrooms, even after the thunderstorm & rain started. DC3 is suffering lots with heat rash today. Poor thing . Luckily it's a lot cooler today, so hopefully she'll get over it soon.

Out of all the items on eBay I managed to sell one dress for £9. Will most probably wait until the fees have come out from eBay and PayPal before I withdraw the money. Not sure how much they take, but anything I make on the sales is a bonus. Am going to put the other dresses on gumtree/fb and see if I have more luck there.

I've paid £20 to CC3 today. Still trying to work out what's best with the CCs going forward. Maybe I'll have to bite the bullet and list DHs business debt on here so that I can accurately show what's been paid. Hmmm will have a think. I just want the debts gone as soon as possible.

abba1772

It's a lot cooler here today thank goodness but we are struggling to sleep at night

Defo give fb and gumtree a go.......prepare yourself for timewasters tho and the ones who offer ridiculous money for your stuff stand firm because as long as your not looking for unrealistic money for your stuff it'll lol. I always sell the kids clothes in bundles average price is between £25-£40 but best of all buyers collect saving you trips to the post office xx

AdventureWanted

abba1772 wrote: »

It's a lot cooler here today thank goodness but we are struggling to sleep at night

Defo give fb and gumtree a go.......prepare yourself for timewasters tho and the ones who offer ridiculous money for your stuff stand firm because as long as your not looking for unrealistic money for your stuff it'll lol. I always sell the kids clothes in bundles average price is between £25-£40 but best of all buyers collect saving you trips to the post office xx

Thanks for this Abba. How many things do you usually put it a bundle? In the past Facebook sales have been frustrating - you try and sell something for £1 and they even try and knock that price down! I guess everyone wants a bargain. Reading your diary and Jwil's has definitely helped me choose to declutter and sell bits rather than just charity shop them in defeat!

AdventureWanted

Just transferred £30 to CC3 in readiness for payday tomorrow. When checking the bank account I can see that my child benefit payment is pending, which I wasn't expecting. I forgot it's paid every 4 weeks rather than monthly, so July we get 2 payments .

DH is working away again from late afternoon for 4 nights so I need to try and get as many jobs done as possible this morning whilst he's looking after the DC. Really need to pull my finger out and sort this house. I'm fed up with it being messy, which is mainly down to there being too much stuff! The DCs toys are one of the main culprits. I reckon if I removed half of their toys they wouldn't notice for months, possibly even never! Might try and move some bits to the garage or under stairs cupboard. If they ask for them in the next month they can keep them, if not I'll sell them.

AdventureWanted

Payday today, so I've transferred £325 to CC3 and £200 to the EF. There won't be any further debt payments this month, so I'll do my debt round up now.

Total debt at 30/7/18
CC1 - £0
CC2 - £0
CC3- £9,425
CC4 - £11,830

Total debt - £21,255.
(Total debt at 29/6/18 - £22,055)

This month I've paid £800 off the debt, which I'm pleased about. It's not as much as I've managed in previous months, but is still a good chunk of debt gone.

EF is now at £1,845. Hopefully the tax refund (when it eventually gets paid) will get me to my £2,500 target.

Food shopping this month has been horrendous (£435 :eek:). I've gone over budget and had to rearrange my budget to make it work. I know food is increasing in price, but really think my lack of meal planning and buying snacks has been the problem. I'm hoping that I can get the food shop in at £350 (hopefully lower) for 2 adults & 3 DC (although DC3 is only 20 months). Will also include nappies for DC3, pull ups for DC2, toiletries, etc. I currently pay for the Tesco delivery saver, but I think when it ends I might swap to shopping in Aldi/Lidl. Tesco home delivery is really convenient for me, as I don't have to drag the DC around the shop with me, but I think it might reduce my budget lots.

enthusiasticsaver

Good result on debt reduction and EF savings. Are both CC3 and CC4 on 0% and when do deals expire?

AdventureWanted

enthusiasticsaver wrote: »

Good result on debt reduction and EF savings. Are both CC3 and CC4 on 0% and when do deals expire?

Yep both on 0% deals. CC3 ends Dec 2019 and CC4 ends Oct 2020.