When you owe more than your annual net salary

LexieLou

still need to write the summary of Tuesday's shennanigans, then I had a review and let's say, my boss has made is personal. But sure thats grand...time will tell.

I was supposed to get paid for my freelance work on Friday and it didn't happen. The woman who does the accounts is useless...I'll get it this week, plus I'm working tomorrow for them, so thats even more dollars.

Decided today that I'm now on a mission to get my credit union account down to zero. I can borrow against this to put towards a new car and when I have the loan paid off I still have my savings.

I'm shattered today - did a 3 mile walk in the sun, so no doubt thats wrecked me.

Payday on Friday - can't wait as I need to get my budget back on track. Sounds daft that you want to get your budget sorted on pay day...and this month is a 5 weeker, so really need to be careful.

I found out yesterday that I have my professional fees due out on the 1st May. Thankfully I have the money set aside, so its no panic. Still hate passing it over to pay the bill, but needs must

Till tomorrow

LL xx

abba1772

It's bank holiday here so I've not been paid by some people who is as expecting to on Friday but it'll be cleared by Tuesday.......hopefully this is the same for you xx

LexieLou

abba1772 wrote: »

It's bank holiday here so I've not been paid by some people who is as expecting to on Friday but it'll be cleared by Tuesday.......hopefully this is the same for you xx

Yes I got it today...Happy Easter

LexieLou

Just a quick one...sold some garden stuff and gathered myself a cool £30...there was that much interest that I think I sold it too cheaply...ah well, at least its sold and its £30 towards a new set of wheels


Night LL x

abba1772

Well done on the sales xx

LexieLou

So sent the £30 to the credit union, also sent £71.25 to it as well, so the credit union currently has £143 towards it (incl over payment from the old 1% club). Delighted. Hopefully getting another £70 tomorrow in an OT payment that was missed and also another £100 at the end of the week. Plus the regular payment of £65, means that all being well by Friday I will have reduced the credit union balance by £336...get in. Once that happens I will have to get it under £1000, and so the downward spiral will continue until I have it at zero and then can afford to get slightly less knackered preloved wheels.

beanielou

Great news on the money to the credit union

pidge04

That’s good news.

LexieLou

Its been over a year since I was here....a whole 13 months.  So much has changed.  I've picked my drunken father up off the floor and home from hospital more times than anyone should.  Watched him drink to numb the pain of missing my mum.  It could be romantic if it wasn't so blooming sad.  

I met someone before Christmas.  I saved up and paid down my Credit Union debt to buy much needed new wheels.  

I need to get back into this, so I checked my Credit Union savings and debt (pleasantly surprised on both counts), checked my Stepchange debt - again nice surprise.  I'm now thinking about overpaying the SC more often, even £5 here and there would be a help.  I'm also going to get my ETSY shop up and running.  

Time to stop faffing around and get my life financially back in order.

Talk tomorrow

LL xx 

LexieLou

I'm still here, still attempting to get on this journey.  Can't wait for payday to separate all my money into their relevant pockets and start the month afresh 

LL xx