The Three C's - Coffee, Clothes & Credit Cards

Willowtree222

Thankfully they have started to sort it, which is good. I didn't get any tax back from my car swap but did get all the docs through so I know it's gone through OK. X

Sarahwithlove

Willowtree222 said:

Thankfully they have started to sort it, which is good. I didn't get any tax back from my car swap but did get all the docs through so I know it's gone through OK. X

Was yours the £35 a year tax as you don't for that, mine was the £180 for the year. Either way it's good to know that my old car is sorted at least anyway. Hopefully it also means I get my new v5 soon. 

CreditCardJunkie

Hi Sarah, I've just caught up on your diary! Congratulations on the new car! Just wanted to say don't be too hard on yourself, a coffee here and there are some of life's little treats. You're doing amazing running a house, particularly on one wage!

So interested to hear how the injections go, I've toyed with the idea but tbh it's out of my price range at the moment and I could do more to lose weight. I struggle with energy with 2 little ones and find myself snacking for energy.

Willowtree222

Sarahwithlove said:

Willowtree222 said:

Thankfully they have started to sort it, which is good. I didn't get any tax back from my car swap but did get all the docs through so I know it's gone through OK. X

Was yours the £35 a year tax as you don't for that, mine was the £180 for the year. Either way it's good to know that my old car is sorted at least anyway. Hopefully it also means I get my new v5 soon. 

No, it was the £180, but it had less than a month left, so that might be why x

joedenise

You only get full months refunded when you sell a car, so you've paid for say September, you sell it and the person b buying it also has to pay for September so DVLA get double tax for the month!  Certainly works in their favour not yours!

Sarahwithlove

Yep you are correct its only full months and it's from when they are notified. Even though the new owner had taxed it so they got double payment for 3 months. 

Sarahwithlove

CreditCardJunkie said:

Hi Sarah, I've just caught up on your diary! Congratulations on the new car! Just wanted to say don't be too hard on yourself, a coffee here and there are some of life's little treats. You're doing amazing running a house, particularly on one wage!

So interested to hear how the injections go, I've toyed with the idea but tbh it's out of my price range at the moment and I could do more to lose weight. I struggle with energy with 2 little ones and find myself snacking for energy.

Thanks, I don't mind letting myself having odd coffee but I need to learn to stick to one a week. 

It is difficult managing on one wage, although some things are reduced as you live alone not everything is. 

There is probably more I could do as well to lose weight but the injections make these things easier to do. It makes resisting the everyday temptation of quick snacks and sugar boost much easier. 

biggerpickle

Also catching up and I've twigged your overpayment pots, there was me thinking surely you just overpay to get the balance on 0% cards down before the interest kicks in but obviously paying the minimum and then saving the balance in an interest bearing account makes more sense! I am wondering if I am as disciplined but I think not plus one of my 0% cards runs out in 2 months so never going to save that. I have just revised the other to minimum payment to clear more of that for the next few months.
  

Sarahwithlove

biggerpickle said:

Also catching up and I've twigged your overpayment pots, there was me thinking surely you just overpay to get the balance on 0% cards down before the interest kicks in but obviously paying the minimum and then saving the balance in an interest bearing account makes more sense! I am wondering if I am as disciplined but I think not plus one of my 0% cards runs out in 2 months so never going to save that. I have just revised the other to minimum payment to clear more of that for the next few months.
  

Yes sort of. I rounded up minimum payment to nearest £5, then put that as a fixed amount. Makes it easier to track how much will be required to clear by end of 0% virgin is set at £50 and Natwest at £25. 

I've now saved the missing for Virgin and locked my savings pot on monzo so I'm not so tempted to take it out before July. Natwest pot will require £70 p/m in it to clear by end of 0% in December. Should be very doable. Especially as I don't have anything major coming out of my sinking fund except Xmas presents until May/June time. So unless anything unplanned happens I should have more free money to pay into it. I'm trying to save for my weight loss injections by rounding up, sales on vinted and any vouchers I use. 

Chocolatefund

Sarahwithlove said:

biggerpickle said:

Also catching up and I've twigged your overpayment pots, there was me thinking surely you just overpay to get the balance on 0% cards down before the interest kicks in but obviously paying the minimum and then saving the balance in an interest bearing account makes more sense! I am wondering if I am as disciplined but I think not plus one of my 0% cards runs out in 2 months so never going to save that. I have just revised the other to minimum payment to clear more of that for the next few months.
  

Yes sort of. I rounded up minimum payment to nearest £5, then put that as a fixed amount. Makes it easier to track how much will be required to clear by end of 0% virgin is set at £50 and Natwest at £25. 

I've now saved the missing for Virgin and locked my savings pot on monzo so I'm not so tempted to take it out before July. Natwest pot will require £70 p/m in it to clear by end of 0% in December. Should be very doable. Especially as I don't have anything major coming out of my sinking fund except Xmas presents until May/June time. So unless anything unplanned happens I should have more free money to pay into it. I'm trying to save for my weight loss injections by rounding up, sales on vinted and any vouchers I use. 

You have more patience then I do. I just want the debt gone!