New start on the debt free journey to freedom

donkids22

Car still broke can drive it the mot is up.
The lomger the cars taking the more I'm expecting it to cost.

Today's spends
2.46 - birthday card and twice
10.00 money to go in birthday card.

donkids22

Well since I was last here I haven't had an nsd I really need my knuckles rapped over that.

Here are the figures I am dreading to see in black and white what I owe on the cards:(
B card. £6546.92
M card £5559.16
S card £680.82
Grand total £12786.90:eek:

This is my main problem and main block with us getting on with life if I wasn't repaying this imagine what I could spend the money on. I would dearly love to go to Disneyworld in two years but looking at this totally unrealistic. Looking at the car it's 10 years old next year and if it starts costing a lot to get repaired that's going to have to go and a new car sorced.

I've also got 30 in the bank to last till payday that's after all dd and food money took out. How much will I have left in two weeks probably 0.

In summary really need to get my s*$# together and start budgeting and being more strict with myself.

*slavetothevibe*

Hi! thought id subscribe if thats ok! good luck saving for DisneyWORLD Its our favorite place! im constanly saving up to go back in fact i save everymonth for it. Good luck xxx

*slavetothevibe*

subscribed

donkids22

Well since last time another pile of bad luck or pile of crap has now fallen on us the heating and hot water has packed up bg are looking at it this Saturday that's £60 excess to pay. Now the shower head has broke and in typical fashion it's not just the head we'll need to replace it's the whole hose as well, going to have to do research not sure if the hoses are standard. Worked out how much childcare I've got to pay for the year so paid 89 off the b card.

donkids22

Well the heating us working but no hot water. Bg didn't turn up Saturday so now I've got to try to leave work tomorrow to get it sorted. Shower is now fixed and all door handles downstairs replaced. Sorted bday present for other half so that's all my spends for the rest of the month sorted. Now for a good declutter before the c word comes.

donkids22

Not doing to bad this week Monday & tuesday were nsds. Got just over 50 left for the food shopping, but with a full freezer we will not need a lot next week other than fresh food. Paid extra off on the cards statements due in the next week so I will have a new total on the cards.

donkids22

Waiting for one statement up come in then I can update the total owed. Been a manic week this week at work rushed off my feet with problems, Never mind without problems I wouldn't have a job. I have been doing a load of washing everyday and drying it on the line. Got to sort my boiler repair contract apparently I get unlimited call outs for free and pay 60 excess on repairs had to call them out last week the man didn't do any repairs or replace parts and they hsve charged me the 60 excess took the money out my bank cheeky beggars so on the phone to them tomorrow.

donkids22

Update on credit card debts
B 5432.04
M 6546.68
S 680.82
Total 12659.54.

Going in the right direction just not fast enough but slow and steady wins the race. Got charged 60 for the boiler service and check so I phoned them up the 60 was excess and they did not do My repairs so I checked and they have refunded me the 60. My mobile has broke now feel like I must have smashed a thousand mirrors my luck lately is horrific.

donkids22

Don't know if I've made a huge mistake I now have 4 credit cards so all my debt is now on 0%.

B = 7265.00
S= 634.82
San = 2500.00
M=1878.73
Total owed 12278.55

Need to make some in roads into to this. Had a terrible week at work I really need something to look forward to, at the moment feels like I'm working for nothing.