The Secret DFW Diary of Eamd Aged 13¾

embarrassed_about_my_debt

Morning all,

Well lee evans was fantastic! :cool:

Overall, spent a bit more than i intended this weekend but thoroughly enjoyed it so never mind!

Hi LTM, sorry my post didnt make it very clear, at present i make payments to my credit cards totalling approx £700 a month as well as my loan payment of £245.

If we move in and i carry on as i am then it would be loan payment + £200 payment to my credit cards

or consolidate it and have one payment of £185 instead of £450 (£245 loan + £200 payment to credit card)

Which would leave me more money in case of unexpected bills and if its not used could be saved and pay off the loan early.

At the minute we are waiting until we have the tests and get the results back but as the consultant has mentioned the E word then I cant see it being anything other than 12 months. Personally i think we need to be at least looking into it now but not alot i can do about that. :rolleyes:


I need a :coffee:

The_Dragon

Hmm :coffee: - yes please! Looking at the figures you could be better off doing the consolidation! Especially if you can do overpayments on the loan (thereby clearing it more quickly), could you not talk to a financial advisor at your bank and go through options with them?

amyandjon

Eamd im sorry somehow i assumed you were a woman ouch :P im on nights a coffee is welcome anytime consolidation sounds like a good idea but just dont get more debt or see how you go at new house before you consolidate you might not need to ?? xx

embarrassed_about_my_debt

Ouch is right :eek: :rotfl:

Morning all :hello:

Def wouldnt be gettin more debt, i've learnt my lesson with that one! Feel a bit stuck in limbo at the minute as just waiting for test dates, then gotta wait for test results etc. but not alot that can be done about it

Didnt pay any extra last week as wanted to see what was going to happen (although at the minute not alot :rolleyes: )

So most of this money has gone into seperate accounts to pay for my ever growing list of bills that i have to pay in the coming months. Now yes there should have been moeny put aside for these but with all the repairs my car has had so far this year it has meant my car fund keeps running at £0 because as soon as there is anything in it it is getting used. Going to sit down december and add up the full years bills and se what it actually comes to (although there was £600 worth of painting done which isnt a every year occurance!)

Non of the below will be going on credit card (which it would have done previously) so although my debt wont particularly be going down for a few weeks it will not be getting added to.

Now the list :rolleyes:

1. Car tax £180 - £100 saved
2. Dentists £126 - £55 saved
3. Car repair 1 - £200 - £0 saved
4. Car insurance - Last year £400 - £0 saved
5. Car repair 2 - ???? - £0 - saved

Total - £906 + ???? - Saved so far £155

Two steps forward and one step back :mad: (suppose its better than one step forward and two steps back:rolleyes: )

embarrassed_about_my_debt

Morning all, well first job is to update my list.

1. Car tax £185 - £100 saved
2. Dentists £126 - £61.90 saved
3. Car repair 1 - £200 - £0 saved
4. Car insurance - Last year £400 - £0 saved
5. Car repair 2 - ???? - £0 - saved

Total - £911 + ???? - Saved so far £161.90

Got another couple of days to the end of the week when i'll be able to transfer some more if everything goes to plan i should nearly have enough for my road tax by the end of the week, also road tax is ammended as its £185 not £180.

Dont think i've got anything else to report at the minute apart from my girlfriend is having a test tomorrow so things are moving forward, albeit to slow for my liking.

Time for a :coffee:

embarrassed_about_my_debt

Morning all :hello:

Busy day yesterday so didnt get on.

My updated list.

1. Car tax £185 - £185 saved - Done
2. Dentists £126 - £126 saved -Done
3. Car repair 1 - £200 - £40.90 saved
4. Car insurance - Last year £400 - £0 saved
5. Car repair 2 - ???? - £0 - saved

Total - £911 + ???? - Saved so far £351.90

Got to go and get my Dad's birthday present today aswell which is why i've only transfered over £200. May do some more after the weekend but will wait and see!

This really isnt helping my debt busting but needs must and all that.

Gf had test yesterday so now just waiting for the results.

Time for a :coffee:

The_Dragon

embarrassed_about_my_debt wrote: »

Morning all :hello:

Busy day yesterday so didnt get on.

My updated list.

1. Car tax £185 - £185 saved - Done
2. Dentists £126 - £126 saved -Done
3. Car repair 1 - £200 - £40.90 saved
4. Car insurance - Last year £400 - £0 saved
5. Car repair 2 - ???? - £0 - saved

Total - £911 + ???? - Saved so far £351.90

Got to go and get my Dad's birthday present today aswell which is why i've only transfered over £200. May do some more after the weekend but will wait and see!

This really isnt helping my debt busting but needs must and all that.

Gf had test yesterday so now just waiting for the results.

Time for a :coffee:

Enjoy the :coffee: and biccies :beer:, how soon do you need to have all this saved by?

embarrassed_about_my_debt

Hi Dragon :hello:

Hows things with you and Dr Dragon?

Need to save it by

Car Tax - End of the month - Will order online next week
Dentist - Start of October - Pay when i go
Car Repair 1 - As and when but needs done
Car Insurance - November
Car Repair 2 - As and when but needs done

The_Dragon

embarrassed_about_my_debt wrote: »

Hi Dragon :hello:

Hows things with you and Dr Dragon?

Need to save it by

Car Tax - End of the month - Will order online next week
Dentist - Start of October - Pay when i go
Car Repair 1 - As and when but needs done
Car Insurance - November
Car Repair 2 - As and when but needs done

Good luck on the saving then! Um not sure about Dr Dragon and myself - oh together we are great but his work ..........................

embarrassed_about_my_debt

Morning all,

Well i have been well and truley neglecting my diary this week (although i've still been logging on and looking round.)

Not been in the best of moods recently and cant seem to shake it. Been struggling with alot of things and getting thoroughly fed up. So much so that my mum and dad have taken to asking me if im alright all the time.

Have seriously considered getting out a loan and doing the c word but then i know this will cost me more and take longer to pay off so dont really want to do that but it would mean i could start saving for a house NOW and if i saved £500 a month i would have £7k by the end of next year.

Still waiting on test results for my gf and feel like im stuck in the position of not knowing whats happening. Would rather just be able to get on with stuff one way or the other.

As for debt busting that is still going badly with all the stuff im paying for. Im away this weekend and it will cost me a fair amount but will be a great laugh and something i need to cheer me up but puts everything back a bit more. Will see how much money i've got left after the weekend as to how much i'll be able to save.

Update to my list

1. Car tax £185 - £185 saved - Done PAID
2. Dentists £126 - £126 saved -Done
3. Car repair 1 - £200 - £40.90 saved
4. Car insurance - Last year £400 - £0 saved
5. Car repair 2 - ???? - £0 - saved

Total - £911 + ???? - Saved so far £166.90 Paid so far £185

Time for a :coffee: