Minty slinks back in....

mintymoneysaver

Hello all, back again, just to get myself back on the straight and narrow.
Have been really struggling since Christmas as never seem to have enough money to do all the things I've been wanting to do...new door, new flooring but have just about managed.
However this month I have not done well and will not be able to clear the cards in full as I have done before.
So £180 RBS 0% still being cleared from Christmas
£545 Halifax which will be paid in full at the end of the month
£525 Tesco which will not be paid off ( aim to pay off as much as possible)
current acc £60 o/d
joint c/acc £100 overdrawn ( this is our luxury acc not bills)

The two current acc will be back in the black on Fri payday but I'm just so annoyed that I've gone overdrawn.

Plan of action on payday
clear overdrafts
Pay Halifax
Keep the £50 or so we will have spare as an emergency fallback in joint c/a
So tesco and RBS need to be cleared from extra cash raised.
Think I'm due about £80 quidco so that can go towards it.
Doing an 'at home' test for a survey company which will pay me £50 when finished ( don't ask what I'm testing!)
Planning on ebaying this afternoon which will hopefully bring in about £40 or so.
Get back to entering competitions.
Apart from that it's spending as little as possible next month so that I can try and clear them at the end of July.

I hate owing money so much now! My mum has willingly offered to lend me some to get the girl's bedrooms done, but at the moment I'd struggle to find the money to pay her back each month.

I know my problems are small compared to so many of you but I don't like them!!!:mad:

mintymoneysaver

Okay so payday has come.
Cleared the halifax card, back in the black on my curr acc by £100 ( to last me till end of month) joint curr acc in black by £38, but this will probably end up slightly o/d again as I think there's a cheque for £30 odd still to go out of it.
Have paid £100 so far off the tesco card from quidco earnings, will pay another £65 when I get paid for my trial, added to the other money I've got in that survey site. Won't be able to pay any more than that until next month unless I can find a lot more to ebay.
Will pay £10 off the RBS card and hopefully next month I will be able to clear that, or at least get it down to below £100.
Will keep updating if any more money comes my way!

Horace

Well done Minty:T

mintymoneysaver

Right, slight change of plan over the summer months. I have transferred the tesco money ( £350 now owing after what I managed to pay off) and paid my new dentist bill of £190 all to my new Cap one credit card, as this is all 0% to September next year. The RBS is still on 0% for another couple of months. I am just going to make the minimum repayments on these for July and August to try and get ourselves straight cash wise. We have £700 each month which is for paying ' family' credit cards and buying anything family wise e.g school trips, uniform, holidays, presents etc. It's amazing how it all mounts up, and believe me we only buy what we absolutely need!
So next month we already have £400 of that used up to clear our ' family' credit card. leaving £300. I'm going to use that to pay the minimum off the other two cards but try to leave as much cash as possible. We are having a week away and will need money for lunches, and with the summer holidays I need to buy uniforms.
I think I need to take a step back from chucking as much money as I can at the cards, and use that 0% breathing space to get our cash balance looking slightly better. Once September comes I'll relook at the Cap one balance and just aim to clear it in the year, rather than throwing too much at it and getting myself in a mess.
Hope this all makes sense!