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Currently clueless...aiming for awareness

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  • You are so welcome. It sounds like you've made some great steps today to making change. That's upsetting your mom had covid and 2 there's an added cost involved. 
    I hope your Mom isn't suffering too much with it.
    We went out today and were surrounded by people spending and amazingly we didn't spend anything. I was hard seeing kids with ice-creams but I knew we wouldn't go without as we have ice-creams in our freezer. As soon as we got home we all sat in the garden and had one and I felt a sense of achievement. 

    How about buying a box of ice-creams from a supermarket on the way home from the book shop. I guarantee it will be cheaper than a single and you can share with the others or have one at home on another day. 

    Keep going xxx
  • Oh, also some good news, I've been waiting for ages for a refund for some ferry tickets I booked for our summer holiday (camping in Jersey) that had gone through twice in error, so I got a refund on my co-op credit card of £421.25 which is a nice chunk of the balance and brings it down to £2185.76. 
    That's brilliant news!
  • Oh, also some good news, I've been waiting for ages for a refund for some ferry tickets I booked for our summer holiday (camping in Jersey) that had gone through twice in error, so I got a refund on my co-op credit card of £421.25 which is a nice chunk of the balance and brings it down to £2185.76. 
    That's brilliant news!
  • So brilliant I've posted it twice 😃 
  • Hi,

    I've just read you diary!

    A few things that maybe you haven't considered, which really helped me get out of circa £20k of debt a few years ago! I am now in the black and feeling so much happier! 

    Council tax - you can spread this over 12 months not the normal 10 (this made each month around the same amount going out) I know people like the two free months, but they are only free for the council - just call them up to change it.

    Interest Free Nation Wide Over Draft (needs approval) - I had a £2k OD with them that had to be paid back with 12 months - this was a huge weight lifted as my DH was paying about 34% with his HSBC OD, we just trafered it over and gave us breathing room, we split the 2k over 12 months and it was gone.

    BANK SWITCH FOR MONEY - Do you switch bank accounts for the extra cash? If you DH is good with money suggest he switches and the extra money could come off one of your cards for example?

    Good luck with the debt busting!

    Bizzy









  • TheAble
    TheAble Posts: 1,676 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker


    Took the kids to the park today with snacks and drinks, all was going well! We were there about an hour and a half, just thinking of heading back and 10yo friend from school arrived and they wanted to play longer. It was really hot and they'd had all their drinks so I got them each an ice lolly. 10yo friend then wanted to come and play, she has a special diet for medical reasons so I nipped to the shop on the way home for some snacks she could have. Total spend for the day £6.80


    Unfortunately if you're running in debt you're not really in a position to buy expensive dietary-specific snacks for somebody else's child. 
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