Divorce debt be gone!

biggerpickle

@Sarahwithlove had a couple of calls with them over the last couple of weeks and today they actually called back  - turns out it's a problem their end for a "number of customers" so hopefully it'll be fixed.

biggerpickle

Yeah! Is payday - £720 of assorted bills inc £300 debt sorted already, more will filter off debt through the next 10 days or so. 

4am waking gave me plenty of thinking time and looks like I have got a new 0% BT card (thank you Sir Lewis and your weekly email)  with another one of the scummy unethical high street banks that invest in all sorts of dodgy stuff but is 0% fee for 14 months. I say looks like as though despite successful application getting through go "your new card should arrive in 4-7 days" no email confirmation yet so we'll see what happens in the next few days.

Nice grocery shopping today where I don't have to worry about every item I put in the trolley and the car gets fed too, yesterday's warning light was 10 miles.

biggerpickle

Half term flap that I've not really done anything with the teenmonsters after they tell me about the swanky day with the ex they had earlier in the week. Cheap cinema tickets (cheeky free upgrade by sitting in the nicer seats that were empty when we got in!) and instore order and collection as it's half the price pizza from the ooo ooo place is my treat. Fed up of being skint.

biggerpickle

Balance transfer credit card arrived so I am now almost all 0% for another 14 months, barring the remains of the H/fax card which is basically the car bill remains. This is big breathing space after the pain of the car last month.

Good news is that the 0% includes all the overseas & UK family flights / accom for this summer so just the spends to save for those 3 trips, 2 of them are accom free! Other time I have with the teenmonsters this summer hols I think will involve canvas and somewhere not too far away, they really enjoyed the Bournemouth Air Show last year - we can't do that this year but I'll see if I can find something similar. And we have the Big Smoke on our doorstep for free museums etc. Holiday with DP at the end of the month shouldn't be too pricey.  

While still skint, feeling more positive today.

biggerpickle

Flippin 'eck just when I needed it - 100 quid premium bond win heading my way. That's the next couple of weeks grocery top ups and either next week's commuting or lunch out with friends tomorrow that I was going to cancel covered 

doingitanyway

Lovely that your win will enable you to meet friends for lunch 

biggerpickle

Woohoo, payday and it would seem I've been on this mission a year and am only just over £2k down which is nowhere near where I thought I'd be and I've still not broken the £10k barrier properly! Nightmare. Mind you there have been holidays had and extra debts / obligations crop up in this time (car / old hmrc debt / school sports trips - actually those 3 alone are £2.6k) which all needed adding in to the plan. HMRC only has one more payment to go, Very only 3 more, sports trip obligation will be gone in Oct so there is light at the end of the tunnel.

Here's hoping the next 12 months is more successful! 

edit: just remembered I had remortgage fees in there too which reduced my term by 7 years to finishing from age 74 to 67 which was also part of the wider debt plan, so maybe I shouldn't be so harsh on myself.

beanielou

Keep going. 

biggerpickle

While I was feeling despondent about not much progress, looking at it from another angle, starting to cross debts off the list over the next few months is moving forward. I should not be too hard on myself.

biggerpickle

Utterly fed up of counting every bloomin penny.

I have been transferring £150 pm into savings each month to cover the service charge bill (due 6 monthly) but most months I am dipping back into the savings so they're not as high as they should be. Due 1st July was £861 (roughly 55% current / 45% sinking fund) so I've tried to pay the higher part out of my current account this last payday but will have used probably £300 of savings by the end of the month. It's so frustrating.

I can't really reduce the rate I am paying off debt for a few months as it's split across so many organisations that minimum payments add up to just under £500. Every month I keep thinking next month will be better but it never is. Thank god  for child benefit, without that things would be even worse. 
#pitypartyfor1 this morning!