Time to Face The Music

RelievedSheff

Balances Update 29.11.22

 

Furniture Loan = £0 (Account Settled)

HP Car Loan = £0 (Account Settled)

Debt 1 = £0 (Account Settled)

Paypal Credit = £0

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 = £0

Credit Card 6 = £0

 

Credit Card 7 = £11647 (£300 repayment 0% interest until May 2023)

HP Motorhome Loan = £16121 (£393 repayment final payment April 2026)

 

Total Debt = £27768

 

Savings Account = £600

Premium Bonds = £500

 

Total Savings = £1100

Need to get some money back into that savings account again now. 

RelievedSheff

It's pay day

Its also a busy day on the finances front. £300 sent to CC7, £100 sent to the premium bonds account, £200 sent to the savings account. It should other than the regular payments be a no spends day however.

There has been an error with my wages. The new NI rates have not been take into account so I need to query that this morning with the accounts department.

Breakfast, lunch and dinner will be from stores. Breakfast was cheese on toast, we have both taken our packed lunches to work and dinner tonight is pork chops with tortellini and vegetables.

Tonight's jobs are:

• walking the dog
• cleaning the kitchen 

RelievedSheff

Balances Update 30.11.22

 

Furniture Loan = £0 (Account Settled)

HP Car Loan = £0 (Account Settled)

Debt 1 = £0 (Account Settled)

Paypal Credit = £0

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 = £0

Credit Card 6 = £0

 

Credit Card 7 = £11347 (£300 repayment 0% interest until May 2023)

HP Motorhome Loan = £16121 (£393 repayment final payment April 2026)

 

Total Debt = £27468

 

Savings Account = £800

Premium Bonds = £600

 

Total Savings = £1400

alt80

Always nice to read you are doing well.

RelievedSheff

alt80 said:

Always nice to read you are doing well.

Thanks Alt.

Same for you too.

milann

Love to see your figures coming down every month 👍

RelievedSheff

I have had a direct debit tidy up this lunchtime and decided to cancel the National Trust one while I was at it. We just have not been using it and at £10.60 a month it is money that could be better spent elsewhere.

The other two that were cancelled were obsolete DD's no longer in use. One for the other half's car insurance and one for a subscription we cancelled earlier in the year.

RelievedSheff

milann said:

Love to see your figures coming down every month 👍

They are getting there. It will seem like a long 30 months before the balances are all zero though!!

EssexHebridean

I'm glad it's not just me who periodically checked DDs for any that can be culled! 

I bet it felt good to have the money for the car MOT etc just sitting there waiting to be paid out! 

RelievedSheff

EssexHebridean said:

I'm glad it's not just me who periodically checked DDs for any that can be culled! 

I bet it felt good to have the money for the car MOT etc just sitting there waiting to be paid out! 

EssexHebridean said:

I'm glad it's not just me who periodically checked DDs for any that can be culled! 

I bet it felt good to have the money for the car MOT etc just sitting there waiting to be paid out! 

I have started looking every six months or so to see which direct debits can be deleted. It's easy to forget sometimes and have loads of obsolete ones hanging on.

It was nice to have the money there to pay for the car maintenance. Same for the insurance on that one this year as well. 

Don't want to jinx it just yet as there is still a month to go but we have not put anything on the credit cards this year which will be a nice change.