Hayley's Debt Free by Dec 08 Diary

thepinklady

Go on the 5th November hun, I can't wait!!!

My debts never going down - arrrrggghhhhh!!!!! The max i can pay until the end of the year is £200 a month. I need to save quite a bit for my 2 holidays to america coming up. Next year though, fingers crossed i can pay off £500 a month for 3 months, then i should be debt free!!!!

xx

lilmissmup

It is going down just slowly, at least your having fun, i could do with a holiday again already!

thepinklady

As i think of it, your only young once, enjoy fancy holidays now and in 3/4 years can start thinking about starting a family etc.

My folks have told me again to stop paying them back and just take it off my total debt as i don't owe them anything. should i update my sig??? hmmm. I so badly want too as it will then be just over 1K!!!

lilmissmup

If they don't want it back then yep delete it off the signature, maybe you can buy them both a nice gift to say thanks or put the money you would have paid them straight into savings?

thepinklady

Naughty me has been a bit slack lately posting updates on my diary. I think this is due to me not making much progess on my debt and so no reason to really update it.

Its payday tomorrow, and i should hopefully have 13hrs of overtime added to my pay from August, and Quidco is showing £115 as received so i will get that in Septembers payout :j :j

So far in September i have managed 20hrs overtime, so that should be a lovely extra amount for Octobers pay. I have also worked out i should be doing 30hrs+ overtime in October, so Novembers pay will also be a lovely amount. Unfotuantely done of this is going on debt payments, all extra money is going into my NYC fund for Christmas spends. I think i should be able to save around 1K by December, but anything i come back with will be chucked at debts, thats something that will definately happen.

I went to see Neyo the other day with my sister, such a great concert, LOVED it. I have been staying with my sister in her new cottage for a couple of days, it wa great to spend time with her and my lil niece. I only spent £90 in the three days i was in Kent. My niece was spoilt rotten by me and my OH, she's 15 months old and is the most gorgeous little girl.

I have decided to continue paying my folks back £100 per month, we had a big chat about it today and they can see i don't want to stop paying them back, they know i will feel guilty. So i;m going to continue paying them £100 a month until December, then the rest they will forget about at Christmas time, so its a sort Christmas gift. That way i won't feel as guilty.

thepinklady

Also, its my 2nd driving test tomorrow. I'm actually feeling more nervous the 2nd time round, god knows why. Already checked for when i could re-book for if i fail, they one some test availabilty for 2 weeks, so i'm def gonna re-book straight away!! i gotta pass soon, i need too!!!! Fed up of being a learner driver!!! Arrgghhh!!!

x

lilmissmup

Oh good luck hun!

thepinklady

Unfortunately i failed my driving test today, 2nd attempt, arrgghh!!! I was very nervous today and wasn't concentrating at all. Also i had the worst examiner possible i got told, she's a bit of a dragon and so many instructors have complained because she's far too harsh. I have already booked my next test, the next available date isn't until the 7th November. The frustrating thing is i can drive, i just panic on the day and make silly mistakes.

I have now realised where all my money is going every month and why i'mnot debt free yet. I pay out over £200 every month on driving and exams.

Also today i checked my pay and i didn't get the £60 rebate for some reason, not sure why. I will have to speak to payroll next week and find out. I posted a thread on the tax board and people have said i should of got it but we'll see what happens.

So all in all not a very good day.

mariagti

Awh, sorry about your test but thats good you have booked your next test straight away, Hopefully you wont get the woman again. Theres always one horrible examiner at a test centre.

Wonder why you havent got your tax rebate? Strange.

lilmissmup

My OH never got his either :rolleyes:

But he has changed jobs this year when he got made redundant so think thats why but he won't sort it i know :rolleyes: