Elantan's enjoying her excellent adventure

elantan

ok i have indirectly been using some of the winnings from my latest gambling amounts to pay for hubby's treatment but they are still to fully go into the account (slowly dripping in) and to be honest i am still in the overdraft with them shoite

elantan

right i have sat down and read this diary again on the 27/5/2008 i noted my debt was

400 for my alliance and leicester overdraft
250 for my rbs overdraft
250 for my amex card
670 for my egg visa
total £1570

with planned spends

60 for a new tyre
125 t.v license
35 car tax
500 garden
total £720


the new state of play is

175 alliance and leicester
125 rbs
495 egg visa
500 amex
total£1295

so that is £275 less

with planned spends


60 tyre
125 t.v license
35 car tax
150 (approx but probably less) car service
50 for every a our son gets
25 for every b our son gets

between £420 and £620

so that is a saving as well

going to have to leave the garden this year

hypno06

So, the debt IS going down. Maybe it is not as quickly as you had hoped, but in the current financial/economic climate, the fact that it is coming down not going up further has got to be fantastic news!

One of my jobs too for the next couple of weeks is to go through the bank statements with a fine toothcomb to see where we can cut back a bit more - In theory we should be able to balance the books, but it aint working like that, and of course if the cost of living rises much more, we will, like loads of others, be struggling again.

So, I am with you on this one. Be proud of what you have achieved so far, and use it as a base on which to build.

As for the house/computer thing - I wish I knew! sorry!!

elantan

it is it's going down i think it is just the fact that there is 500 on the amex card and i will need to pay this off this month if i am to avoid any charges ...sooooooo things will be tight and i might have to use some of the o/d to pay for it (especially if hubby still has treatments to get) but i would rather pay the o/d the money instead of a visa ...i am however very aware of what is happening with o/d's just now and fully intend on getting rid of them as soon as i can ...

sorry to hear about hubby hypno i really hope he gets something quick but congrats to the kids for the medals you must be a very proud mum (as is your right)

hypno06

Yes, very proud - it was a good day - although I now have sunburnt arms

Yes, I have a couple of overdrafts that I am sure will be called in or reduced in some way over the coming weeks/months.......none of them are more than £250 so not big money to be owing, but I want to be in a position to be able to manage without them should they have to go.

Did you get that knee looked at again, by the way?

elantan

did someone forget the suntan lotion?

did try phoning the dr but they were constantly engaged typical ...i will need to see to it though ...to be honest it isnt too bad i just think it should be checked again it has been too long now ....

i agree with you about the o/d i certainly dont want mine called in anytime soon so will be making the concerted effort (like you) to be the one in control

hypno06

No I didn't forget the suntan lotion - but I didn't use enough of it.........it was quite windy, so it didn't always feel "hot and sunny". Deceptive.......but still my own fault!!

elantan

that one is a !!!!!! isnt it windy yet sunny i fall for it every year and land up burned overcast clouds is another ...saying that i am a vampire a light comes on i cremate ...i never use a factor lower than 25 usually have to use a 40 or 50 and always use kids stuff...have you used aloe or yoghurt?

hypno06

I don't have any aloe or yoghurt, but will rifle through the cupboards to see what I can find - there must be something! Thankfully it is only my arms because I had a t-shirt......if I had wearing a strappy top i would be in significant pain right now :eek:

Ah the joys of an English Summer :rotfl:

elantan

i thought they were just a rumour kinda like scotland and summer ...:rotfl: :rotfl: