The Secret DFW Diary of Eamd Aged 13¾

embarrassed_about_my_debt

Morning all,

Well weekend was as expected really.

Took £70 out cash machine on friday

approx £10 went on Friday for some toiletries and takeaway round a friends.
£45 went on Night out
£6 went into my £2 collection (upto £56 now! :j )
approx £5 went on another takeaway

and have £5 left in wallet.

Could have been worse is suppose, i remember when i used to go out and spend £80+ and take money out on my credit card to pay :eek:

Was quite a relaxing weekend, didnt really do alot and ended up getting nothing that i wanted to get done, done again

Watched the grand prix! Fanatastic! :T Enjoyed seeing the Ferarri's doing donuts on the track :rotfl:

Still complaining to Barclaycard :mad: IT has been esculated to a special team to look into now as I voiced my annoyance last time

Not alot else to report really! Time for a :coffee:

lucielle

Those totals are coming down nicely. Keep going.
L

embarrassed_about_my_debt

Right I felt it was about time i did a new SOA to see where im upto as feel like im treading water a bit at the minute and cheating myself, as although im making regular overpayments im not sticking to my budget.

Income (per week) £285

Outgoings

Rent £20
Fuel £25
Repairs/Insurance Account £25
Bowling Pool £30
Weekends £25
Weekly spends £10

Total outgoings £135

Remainder £150

Debt

Barclay card £1,000 @ 6.5% LOB
Abbey £4,300 @ 0% Till April 09
Loan £3,920.96 including all interest

Monthly Repayments
BC £35
Abbey approx £100
Loan £245.06

Total £380.06

Monthly Wages £300
Which pays for loan and BC with £20 left over.

Total available £155 per week to over pay debts.


Thinking on changing the BC to Abbey and cancelling the Abbey direct debit as i make over payments each week its not really a problem.

This would then mean the monthly wages would cover my loan with £55 a month left over meaning i could make my car repairs/ insurance payments down to about £10 a week.

This would then leave me with

£170 a week to overpay my debts plus the £245 loan payment making total debt repayments £925 a month (based on 4 week months).

This is £75 a month down on the original plan but i have had to increase my petrol due to the prices :rolleyes: and I have now included some money for the weekend which is more realistic I think.

Also will have the odd 5 week month so that will be another £170 over and above the £925.

What does everyone think?

Sorry for the long post and i need a :coffee: after that!

pania

embarrassed_about_my_debt wrote: »

Barclay card £1,000 @ 6.5% LOB
Abbey £4,300 @ 0% Till April 09
Loan £3,920.96 including all interest

Monthly Repayments
BC £35
Abbey approx £100
Loan £245.06

Total £380.06

Monthly Wages £300
Which pays for loan and BC with £20 left over.

Total available £155 per week to over pay debts.


Thinking on changing the BC to Abbey and cancelling the Abbey direct debit as i make over payments each week its not really a problem.

This would then mean the monthly wages would cover my loan with £55 a month left over meaning i could make my car repairs/ insurance payments down to about £10 a week.

This would then leave me with

What does everyone think?

Sorry for the long post and i need a :coffee: after that!

Hi Hon, hope that you are ok? why is it everytime i go to your nearby supermarket i look out for someone with an injured wrist? god only know how i'd introduce myself if i did see someone, then i'd get strange looks and get dragged off in an ambulance!!!:rotfl: :rotfl: :rotfl:

The above sounds good but the 2 bits in bold confundled me. very easy, I am female after all. by the way chuck us a cuppa!!!!!!!

embarrassed_about_my_debt

Hi P,

Aorry probably didnt explain very well.

As i would be transferring the Barclay card to the abby card the £35 a month DD to Barclaycard would disappear so £20 left over originally + £35 DD = £55!

Hope that makes sense!

You wouldnt be able to tell anymore. Have nothing on my wrist and wear long sleeved shirts which cover the scar!

You've probably seen me before and just havent realised it :rotfl:

One :coffee: and hows things with you?

pania

aahhhh clear as mud now hon! i'm with you totally. I do that, sometimes i have thinks and my little fingers scrabble to get it all out and it comes out as frdvgtbyhujki which makes total sense to me anyway!!!!!:rotfl: :rotfl:

good to hear that the arm is mended. hey just think i could've stood next to you in line before and we'd never have a clue! small world hey. I'm good thanks. absolutely knackered and busy working but other than that am back up and addem again!! had a bit of down time for a while there but chatty P seems to have made a return... sorry everyone!!!

Ok off for a real life cuppa then to do some work, honest guv, i am.....:D

embarrassed_about_my_debt

Ahh frdvgtbyhujki! Makes perfect sense to me too! :rotfl:

Glad to hear it! Cant have a quiet P!

Wouldnt say its mended as such, still weak and cant lift stuff but hey ho, not alot i can do about it.

Still finding things hard, sitting thinking alot which is probably the worst thing i can do! :rotfl:

Need to set my self some todo lists to keep me busy and get motivated but feel a bit detached from everything at the minute so need to kick start myself.

At the minute i keep saying im gonna do things but not getting round to them.

Enjoy the cuppa!

embarrassed_about_my_debt

Right just phoned up and sorted out Abbey.

Went through and checked all my information was correct with them. Done Balance Transfer over the phone so hopefully wont have any phone calls this time!

£30 BT fee but im happier now it is all in one place again. Also cancelled the direct debit, unfortunately i've missed this months run so £2 something will still come out by DD :rolleyes:

Just got to wait for it all to go through now and then I'll need to decide what to do with my barclay card

a) keep it till for emergencies until my abbey card is clear and then close it. or
b) close it now and get rid of another card.

a) is probably the safer option as if i have any emergencies then i can put them on the barclaycard and not effect the 0% rate on my Abbey card.

embarrassed_about_my_debt

Right with the shuffle new SOA looks like this

Income (per week) £285

Outgoings

Rent £20
Fuel £25
Repairs/Insurance Account £10
Bowling Pool £30
Weekends £20
Weekly spends £10

Total outgoings £115

Remainder £170

Debt

Abbey £5,330 @ 0% Till April 09
Loan £3,920.96 including all interest
Total Debt £9250.96

Monthly Repayments
Loan £245.06
Covered by £300 monthly wages leaving £55 which is going into my Car repair/ insurance account.

Total available £170 per week to over pay debts.

£925 per month payments towards debts. August and october are 5 week months so that will be an extra £340

Meaning 10 Months till debt free which is May 09 :eek:

May 09 is later than I wanted as that will only give me 7 months of saving for the house. Gonna need to look at other ways of making money to speed things up. Birthdays and Xmas are going to be asking for money i think :rotfl:

Right need to get stuff ready to sell on ebay and get shot!Hopefully get the chance to dig out stuff this week and maybe list some stuff on amazon aswell.

embarrassed_about_my_debt

Morning all,

Still waiting for reply's from Barclays and Abbey about my complaints. Even got the read receipt from the one from Abbey :rolleyes:

Apart from that not alot to report apart from me getting wound up and frustrated with everything at the minute

On the plus side one of my friends is coming back from uni at the weekend so looking forward to that as havent seen her for a few months