Keeping afloat till I can get round to the debts!

NeverendingDMP

Rounded up the bank account and paid some cashback to the c card. Total debt now 6681. Aiming for low spends. Kids had the school photo this week so I'll see how much that might be before I pay any more. First year of h school so I might buy it. (They only have a photo company come in year 7 and 11)

jwil

Welcome back! Those small extra payments to the CC will soon add up, and you will get under the £5k

NeverendingDMP

Thanks jwil. One day I'll break that barrier.... fairly spendy start to the weekend so far. Paid for an activity next week, snacks for a film night last night and me and the youngest two are due to go and see a procession tonight. Free but need to pay parking and likely some sweets.

The debt is less than yesterday but some things have cleared and some things are still pending so who knows what the total is. Debt free would be so much easier admin wise I'm sure 😂

NeverendingDMP

The procession was good and the parking I paid for out of loose change in my bag so that makes it kinda free right -mum maths at it's best 😂

They had fireworks at the end but we watched them from inside the car as I didn't fancy a crowded town centre on a Saturday night. Today is going to be adulting. Shopping cleaning and later this morning we have an hour's free electric in which to hoover, wash clothes and iron the uniforms -the excitement.

NeverendingDMP

I renewed the fix on my gas and electric in August. It wasn't the best deal but was better than anyone else was offering. They have also emailed to say my direct debit needs to go up my 75 pounds due to our usage so we need to look at how we can get that down as well..... I haven't watched the Martin Lewis show from the other day yet but I gather me fixing again was a good idea as prices are predicted to increase again in January

jwil

Glad the procession went well!

NeverendingDMP

So today's debt busting action is to get a zero percent c card. It's only for six months but I've managed to move £1450 to it. Actual figures to follow but once it's cleared it will leave approx £500 that will either incur interest or become my rinse and repeat card for shopping. Ideally I'd cut them all up to make it easier admin wise but the thought of paying interest annoys me. I'll see when I get paid then decide.

NeverendingDMP

Update Debts now at 6588. 450 of this will accrue interest so I'll work on this first.

This has come from paying a day, moving the left over shopping money and cashing in my shares, all 16 pounds of them- in an app I have (mainly for fun and to practice) When I'm rich and famous I will invest actual money ,learn how to make more and retire before I get to 68 -well I can dream 😂

NeverendingDMP

Last minute splurge at Morrisons last night with this week's shopping budget. Packed lunch foods, things the eldest needed for school and a new pan. He's never been bothered with school that much so it was a nice change to see him remember that he needed to get stuff and he wanted to buy new pens whilst there! Albeit he told me at 9pm it's hopefully a sign that he's taking school more seriously.

NeverendingDMP

I've paid a few quid onto the c card over this week but we have the hairdressers tonight and a cake sale at school tomorrow so I'll hold off announcing the totals till then. It's for charity and is an important cause but by the time I've donated three sets of cakes, and sent three sets of spends to buy some cakes back I'll have spent any leftover budget I have. 😂