Jak's 'I will not spend any money on rubbish and I will pay off my debts' diary

jak

Will have to decide what to do. I think I will reduce it to £100 buffer and then I can use it if I need to. Had some bad news yesterday. THere may be a problem with dh visa and he may have to go back to new zealand to sort it out. A bit scary since 1. i'm due to give birth in 10 weeks, 2. costs loads of money 3. if we have c****d it up. it's potentially a legal matter!!!! 4. No money while dh would be off work.
I truely am sh**ing myself and don't know what to do.
Cit advice this week and i've writen to them to let them know about the baby.
We are both really scared and debt repayment is kind of on the back burner- well not really because the more we pay off now, the easier life will be if the worst does happen...

jak

Well we went out for dinner last night- only cheap pub meal but was really nice to spend some time together. We have formulated a plan RE: visa and hope to begin it tommorrow. I hope tht we get some answers this week but even if we don't, as least we'll have done everything we can.
I just hope we can sort things out before the baby comes. Saying that it'd be so easy to just bury our heads in the sand and not focus on it... We are NOT going to do that tho... That's what got us into this mess in the first place...
Today we go to see the hospital where I'll be having the baby. I hope it's nice! Just a bus ride to pay for so about £5, then NSD after that hopefully!
Our budget seems to be doing ok so far this month. We still haven't been food shopping but we've got enough food in for a few more meals so until that's gone, I don't see the point really. Plus I don't fancy lugging heavy bags around in this heat....It's bad enough being pregnant in the heat. 9 and a half weeks to go...Feels like FOREVER!!!
I have decided that when dh gets paid, I will pay £300 off my overdraft and reduce it to a £100 buffer. Then any excess money I get after that will be put on my personal loan too bring down the balance. It currently stands at £1250.23 so hopefully i'll be able to pay off £236 -using my wages, and £78 payment which should bring the total down to less than £1000, which would be fab. A much more manageable amount than £1250.23.
So, we are nearly half way through the month and our budget totals are as follows, this is what is left:
Food and groceries: £36.16
Socialising: £22
Gifts: Nothing as had to buy a present for the girl who gave us the baby stuff
Baby stuff: £2
Electricity: £5
Health/beauty: £5
But...we don't actually need anything except poss. some food so all good so far...
J
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jak

I'm going to the shops today to take back some boots I bought in Nov. The lining is all ripped and the stitches are coming through the bottom. V. uncomfy. And they cost £60! I wouldn't mind so much if they cost less but I expect boots that cost £60 to do at least a couple of years! I hope they give me vouchers...then I can put them towards Christmas for dh or get myself some much needed trainers...mine hummmmmmm!
Anyway, should be a low spend day today as I want to get my house and garden jobs done. I phoned about the visa and am seeing our MP on June 6th and cit. advice on Wed when hubby's off work so that's a start I suppose....

jak

Just checked my online banking and they've put £17.53 interest on my credit card. I mean, I know I've got to pay loads of interest but still...I was hoping it wouldn't be nearly that much becasue i've reduced the total so much. Oh well. It brings my total debt back up to over £1900 as well, which psychologically is cr*p as I was so pround of being sub-1900.
Today, I can't do much about debt payments as I don't get paid until tomorrow. I will do the jobs I didn't do yesterday, have a low spend day as I just need some milk and ice lollys. And I will cook myself a proper tea, even tho it's just me home because yesterday I ended up spending £2.70 on chips and cheese which A. isnt very healthy and B.isn't very money saving!
I got my free fushias yesterday so I must pot those up as well as my corgettes and carrotts.
J
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beanielou

Sure you will soon be sub £1900 again!

jak

Thanks. I paid £88 off my credit card yesterday when my wages came through s i'm back on track now. May have to pay for immigration lawyer tho so saving/paying stuff off so we can pay for that now...Ahhhhhhhhh!

Karmacat

Hi Jak :wave:

I’ve just found your diary, and read through it – you sound like you’re doing so well! :T Conjuring money out of nowhere, very impressive. And I love the care you’re taking of the garden – healthy, and moneysaving too, it doesn’t get much better.

However, really sorry to hear about the immigration hassles for OH – seems crazy to me, as a completely English person, that somebody from a country where we have such links has a visa and all the troubles that go along with it. I hope it gets sorted out at no cost.

All the best
Karmacat

jak

Thanks I realy appreciate that. It's a total nightmare. We are seeing the MP first on June 6th then we'll follow his advice. It is likely to be either go to NZ and apply again from there or get a lawyer here and go to court! Trying not to stress but it's really hard.
Our aim now is to pay off as much as possible so that we can use the credit again if we have to. Not ideal but as least it'll be available to us, better than nothing I guess. Hopefully it won't cost and we can sort out whatever the problem is for free....Fingers crossed and thanks again.
J
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Karmacat

Yep, fingers and toes crossed you can get it sorted for free.

jak

I spoke to an immigration lawyer today and he said they recently changed the immigration law so it could just be that, that's the hold up...Heres to hoping! He said to only contact him once we've got a definate answer and then we can appeal. It all rests with the MP now so i'll keep you posted.
What with all the stress of it all, I had an inadvertant no spend day today! So that's something at least!
Did lots of gardening too, as did dh who moaned the whole time! Honestly, who wants to sit inside when the sun is shining like today...