£31k of debt to go in 18 months.

Four_Seasons

sending you hugs xx

lucielle

So very sorry.
L

flapflop

Thank you everyone. I'm feeling a little better today. I've lost track of my finances so I will endeavour to look at those again, possibly Monday, I 'll see how the day goes. 
I have little pots everywhere which is chaotic and I need to figure out what is going on. I will find out about UC next week and then I will be able to have a much better overview of what is going on but I think I will need to add my extra payment to Monzo and then after next payday I will be able to make a lump payment to RBS. It will definitely be a lot less what with all the payments for our doggy but that is okay. It only pushes my target back by half a month. 

flapflop

Thank you everyone for your patience with me. I've had a good selling weekend. I've sold £147. I have had a terrible weekend spending however and have probably spent the same amount and also roughly eaten that amount too. Some of the spending was necessary. My son needed school shoes and since doggy passed away we needed a new doorbell. Most of it wasn't necessary though. £15 on sweets? I feel like I've undone so much hard work but I know that I have still made huge dents in my debt and that is the key thing. This is a bump in the road. 
What next? I'm still waiting for the 12th to find out about UC. That's causing a lot of stress. I regret switching over. I knew where I was with my tax credits. Humph. 
Must try to find some positivity. The sun is shining.......that's all I've got. I think I'll feel better once I know where I am with UC. I can get back to my plan, I feel lost without my plan of action. 

dawnybabes

It’s a journey, bound to have ups and downs along the way.  Hang on tight you will get through this.  

flapflop

So today I had to post 2 things (£14.20!!!!!!!!!!!!!!!!) and get batteries and eggs. I also bought a small bottle of brandy that was reduced to clear at £5.42 (half price) as that will be saved for this years Christmas cake. I was quite chuffed with that. Oh and 2 packs of black bin bags. How expensive are bin bags? It's only for my trash they don't need to be made from gold. 
I'm feeling more optimistic today. I'll find out about UC in 4 days time, I've had a good chat with a friend which has perked me up and the sun is still shining. 
I'm watching 40 year old virgin as I write this. Damn it's funny. 

flapflop

Today hasn't been too bad. I had to go to and get some bread, chicken, those wiry sponges with the soap built in and coffee. I also got my DS one of those awful dairylea snack things with the crackers, cheese and buttons. I don't think he realises that the buttons are for after so he puts them with the cheese and crackers. Rank. Took DH for his jab and let DS buy a book with his book token. What a jip. It cost me £4. Outrageous.
I've not sold anything today but I have some more bits to list. 3 more days until Friday! We had a letter from HMRC today saying we owe them £11. I wonder if I can pay it on the monthly

dawnybabes

I bet the choc cheese and crackers tastes nice, sort of salty sweet ! 

flapflop

My son is awake so I decided to log into UC to see if there had been an update which there has and to say we have been royally effed in the chuffer is an understatement! We have gone from £362 per month in tax credits to £170 with UC. How can it be so different? I'll have to have another look tomorrow. 

dawnybabes

Send me your award details and I will check all elements are on it for you.