Time to Face The Music

RelievedSheff

£393 sent to the motorhome HP loan this morning. Other than that it will be a no spends day today. Number 13 for May.

Breakfast, lunch and dinner will be from stores. Breakfast was bacon and egg sandwich, we have both taken our packed lunches to work and dinner tonight is chicken and sweet potato chips using some leftovers up from yesterdays roast dinner.

Tonight's jobs are:

• walking the dog
• cleaning the kitchen

RelievedSheff

Balances Update 23.05.22

 

Furniture Loan = £0 (Account Settled)

HP Car Loan = £0 (Account Settled)

 

Debt 1 = £0 (Account Settled)

 

Credit Card 1 =£0 (Account Closed)

Credit Card 2 = £0 (Account Closed)

Credit Card 3 = £0 (Account Closed)

Credit Card 4 = £0

 

Credit Card 5 = £392 (£150 repayment 0% interest until July 2022)

Credit Card 6 = £2200 (£100 repayment 0% interest until August 2022)

Credit Card 7 = £9100 (£200 repayment 0% interest until November 2023)

 

HP Motorhome Loan = £18479(£393 repayment final payment April 2026)

 

Paypal Credit = £139 (£125 repayment 0% interest until December 2022)

 

Total Debt = £30310

Sun_Addict

So close to being under £30k 😃

RelievedSheff

Sun_Addict said:

So close to being under £30k 😃

Won't quite make it this month but will definitely be under £30k early next month  

LittleMissDetermined

That total is really coming down well done

RelievedSheff

Just had our first full months energy bill with the new higher prices. Last month was only a half month due to our billing cycle.

Pleasantly surprised, it was cheaper than expected and well under our monthly payment which I wasn't expecting as they have not put our payment up yet. 

If we can manage similar bills for the rest of the summer and into autumn then I don't think we will need to put our monthly payment up as we will have built up a fair amount of credit and then the £200 additional government payment in October should see us through the winter months  

Unless they put up prices massively in October that is!

LittleMissDetermined

That's really good RS, a bit of a comfort in these uncertain times

RelievedSheff

LittleMissDetermined said:

That's really good RS, a bit of a comfort in these uncertain times

We are still going to put some money aside just in case we suddenly start using hug amounts more than expected in the winter.

I don't think we will. We have agreed that we will make a conscious effort this winter to turn the heating down a degree or two and get wrapped up in some fleecy blankets on the sofa. See if we can't keep the bills down a bit and soak up some of the price increases.

RelievedSheff

Not a no spends day today. We have been to the shop to get some beer for the weekend this morning and I need to go to do the weekly shop at Aldi after work tonight.

Bit of a bonus though. We had £6.50 worth of Tesco vouchers to use and the beer was £11 a case Clubcard price so it didn't cost us as much as we thought it might.

Breakfast, lunch and dinner are from stores today. Breakfast wrap for breakfast to use up the last of the weekends left overs in the fridge, we have both taken our packed lunches to work and dinner tonight is haggis with root veg mash and vegetables.

Todays jobs are:

• shopping
• walking the dog

RelievedSheff

The £150 council tax rebate has landed in my account this morning. So that has gone into the savings account.