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IA's Debt/Life/Little bit of Everything Diary...

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  • SarahNeedle1872
    SarahNeedle1872 Posts: 6,166 Forumite
    immoral_angeluk wrote: »
    Oh and just called up about that job but no answer.. so did some digging and found the lady's email instead and have emailed her my newly updated CV.
    :D That and I've put some washing in.. I'm on a roll today!
    Can you roll some my way please!!! I am still sat here in my pj's..... theres laundery to put away, more washingt o be done, the hoovering, walk the dog, go to the bank..... the list goes on!

    Glad to hear that Ste's Dad is doing well... how long do they think he will be in for?

    :T Congrats on the 'bonus' from Scottish Power too..... what do u have planned for the money?

    Sarah x
    'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    SarahNeedle1872 wrote: »
    Can you roll some my way please!!! I am still sat here in my pj's..... theres laundery to put away, more washingt o be done, the hoovering, walk the dog, go to the bank..... the list goes on!

    Glad to hear that Ste's Dad is doing well... how long do they think he will be in for?

    :T Congrats on the 'bonus' from Scottish Power too..... what do u have planned for the money?

    Sarah x
    The money is going in the 'pay the car off in october' fund.. :rotfl:

    Not sure about Ste's dad.. I'm guessing a week at least though...
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • SarahNeedle1872
    SarahNeedle1872 Posts: 6,166 Forumite
    immoral_angeluk wrote: »
    The money is going in the 'pay the car off in october' fund.. :rotfl:
    quote]
    :T Ur always so disciplined when it comes to paying off ur debt, I'll have to send OH round to u so u can kick him into shape too! U put us to shame!:rotfl:
    'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    SarahNeedle1872 wrote: »
    immoral_angeluk wrote: »
    The money is going in the 'pay the car off in october' fund.. :rotfl:
    quote]
    :T Ur always so disciplined when it comes to paying off ur debt, I'll have to send OH round to u so u can kick him into shape too! U put us to shame!:rotfl:
    Well it's in the sig now so it's official! :rotfl: Especially considering how long it too to get my sig inside the new sig rules so it'd save! :rotfl:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • SarahNeedle1872
    SarahNeedle1872 Posts: 6,166 Forumite
    They are a bit of a 'mare aren't they...... took me ages to get mine to work (your sig is too long, you are only allowed five lines - I'VE ONLY GOT FIVE BL00DY LINES!).
    Is the figure what u have outstanding, or is it a settlement figure?
    'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    SarahNeedle1872 wrote: »
    They are a bit of a 'mare aren't they...... took me ages to get mine to work (your sig is too long, you are only allowed five lines - I'VE ONLY GOT FIVE BL00DY LINES!).
    Is the figure what u have outstanding, or is it a settlement figure?
    Settlement figure for if we pay after half the term (ie october).
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • Sassamac
    Sassamac Posts: 522 Forumite
    Hi IA, just had a look at your SOA and have a couple of points to add.
    The child benefit is 4 weekly not montly. which means its £130.86 so an extra tenner per month - might just makes things stack up better on paper. Again this goes up in April by £1.15 per week (for 2 kids). So as of the new tax year this will be £125.40 per 4 weeks or £135.85 per calendar month.
    Not sure if you've calculated the tax credits in the same way as again they're usually paid 4 weekly / weekly.

    Have you compared your car insurance recently. Im paying about the same (£37 per month which includes a 8% fee for the priveledge of paying monthly). When I checked online I discovered I could save £245 off the annual premium. Apologies if you have already got this as low as poss.

    I echo what the others have said about groceries. I have the same size family as you (my kids are literally a few months older) and managed to buy all food, cleaning stuff, toiletries, cat food and nappies for £148 in Jan (Im aiming for £130 in Feb). Not sure if you're eldest is in nappies still but even so I would say there is some scope for improvement. Perhaps aim for £200 for Feb, and reduce by £10 every month for the next 3 months. Then by May you will have an extra £46.50 every month, which covers that £45 you needed.

    Definitely worth looking at the car finance. We have a similar deal with DH's motorbike, its the same sort of interest rate. we can pay out of ours 6, 12, or 18 months early, and by doing it this month (18 months early) it saves us £180. So we freed up a credit card and are going to pay it off, even at the purchase rate its still cheaper. (theres more info in my diary about it if that isnt clear). Also having on credit card makes the payments more flexible than the fixed repayments of the loan.

    It sounds really though as if you have the majority of the budget very well sussed and everything is accounted for.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Right so action plan for today..
    • [strike]Call about filing job.[/strike] Called but no answer.. emailed CV instead. :D
    • [strike]Book guitar sold on ebay in to be collected by parcelfarce for tomorrow....[/strike] Done.. just need to get some parcel tape and finish packing it!
    • Go through freezer and compile meal list and 'top up' shopping list for tonight.
    • [strike]Put some washing in.[/strike] Done :D
    • Have a go at some more song ideas..
    • [strike]Call scottishpower about getting our money back...[/strike] £84.48 cheque on the way :D
    • [strike]Check internet banking when it starts working again! [/strike] Done
    • [strike]Do some exercise!!![/strike] Done!
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • Triker
    Triker Posts: 7,247 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    immoral_angeluk wrote: »
    Right so action plan for today..
    • [strike]Call about filing job.[/strike] Called but no answer.. emailed CV instead. :D
    • [strike]Book guitar sold on ebay in to be collected by parcelfarce for tomorrow....[/strike] Done.. just need to get some parcel tape and finish packing it!
    • Go through freezer and compile meal list and 'top up' shopping list for tonight.
    • [strike]Put some washing in.[/strike] Done :D
    • Have a go at some more song ideas..
    • [strike]Call scottishpower about getting our money back...[/strike] £84.48 cheque on the way :D
    • [strike]Check internet banking when it starts working again! [/strike] Done
    • [strike]Do some exercise!!![/strike] Done!

    Suitably inspired here's my plan of action for today

    Start doing some of the stuff that you should've done ages ago .Not Done

    Actually do what you have written down on numerous lists. Not Done.

    Exercise. Not Done

    Get off MSE and get some paid work done. Not Done.

    Procrastinate more and make another coffee. Done.

    :o;):D
    DFW Nerd 267. DEBT FREE 11.06.08
    Stick to It by R.B. Stanfield
    It matters not if you try and fail,     And fail, and try again; But it matters much if you try and fail, And fail to try again.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Sounds like a good plan to me triker! :rotfl:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
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