indigowarrior baby steps.

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Comments

  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Good luck :) You've made a great start with the savings.

    I'm also in Somerset :)
    "If you can dream it, you can do it". Walt Disney
  • lonelyrat
    lonelyrat Posts: 567 Forumite
    First Anniversary Combo Breaker First Post Photogenic
    Well done on the savings :) You sound very motivated... I found £1 in a work cardigan but unfortunately I didn't put it in my coin jar I just went to Tesco and got some chocolate buttons :o I'll need to take a leaf out of your book!
    Total Debt : ?? / ??
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    Thank you for the comments!

    Lonelyrat! If I had found that £1 coin in my old flat I am sure I would have done the same. :rotfl: Tesco is to far for me to walk without getting a lift back, dratted disabilities.

    Jwil ah cool! Somerset is great just very expensive to own a home here! At least it is for me.

    Just done my budget before payment day tomorrow. Made sure I got all the numbers right. I should be able to put £90 straight into savings.

    I cant wait until I have paid Perfect Home off. Was meant to be finished in March but due to having to claim UC and struggling with my mental health I had to take a few payment breaks. :( So now its going to be June. However, if I get the right decision on PIP I should be able to do it faster. Keep your fingers crossed.
    No Spend November 2/15 and SPC 134
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    Recieved enough for £5 amazon voucher with swagbucks. Its defo taking longer to earn using them that it used to. Half of the website seems broken. I am trying to earn enough for a phone but, dont want to pay solid cash for it.
    No Spend November 2/15 and SPC 134
  • fay66
    fay66 Posts: 744 Forumite
    First Post First Anniversary Photogenic
    Good luck with your diary and pip,
    Debt £10k , HMRC £3K old debt £4k Jan 2021
    Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
    Travel plans New York 2021 New year cancelled due to covid
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    Thank You
    Fay66
    No Spend November 2/15 and SPC 134
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    My spends for today has been:
    Food £0/£120
    Electric: £40/£40
    Takeaway £12.50/£20
    Transport: £0/£20
    Gifts: £10/£10
    Eating Out: £0/10
    Clothing: £0/£20
    Sundries: £0/£10
    Entertainment: £0/£20
    Total: £62.50/£270

    I may use what I have saved so far to clear one of my debts. It is with Perfect Home (a rent to own company) and has a balance of £345.36 and an APR of 89%. If i don't clear the account tomorrow then I will finish paying the account at the end of June. Perfect Home in my opinion can be very heavy handed in their tactics. Constant phone calls and texts. For example: A fortnight ago I paid 3 weeks in advance. So imagine my surprise to get a text from the company saying that they need to discuss my account. I logged on to my account and found that I owed £2.45. I mean seriously!

    I have lost my bank card so need to wait for that to arrive. I will make a choice on what to do then.
    No Spend November 2/15 and SPC 134
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    edited 21 June 2018 at 9:26AM
    Three £43.00- Cleared :T
    EE £78.63- cleared :T
    O2 £100.00- Cleared :T
    Nat West £103.00
    APS £109.00- Cleared:T
    APS £116.00- Cleared:T
    BPO 123.49- Have a payment arrangement of £1 a month at the moment until I know whats going on.
    Tesco Mobile £176.71
    Tesco Mobile £211.94
    Three £224.88
    Council Tax £240.00
    Vodafone £244.95
    Tesco Mobile £282.50
    Vanquis £300.00
    EE £318.00
    Perfect Home £0 Paid OFF :T
    Orange £402.37
    O2 £404.00
    Talk Talk £448.00
    Virgin £510.00
    O2 £550.00 T-another accont closed
    O2 £646.25: T- another account closed
    O2 £660.05-:T Another account closed.
    Simply Be £739.33
    Vodafone £824.17- :T recieved a letter this morning. It looks like the debt has become statuary barred.
    TalkTalk £837.95
    BT £1100
    Lloyds £1,800.00 balance now 1780
    Tax £2,200.00- :T (HMRC Realised an error)
    Total £14016- Now standing at -£12185
    Predicted Debt free date: Jan 2023:eek::eek:

    This morning I have paid two accounts off.
    Both connected to cash plus totalling £227:T
    I also reduced the balance of the second smallest account by £58.59:T
    Debt total now: [STRIKE]13576[/STRIKE] [STRIKE]12863[/STRIKE] According to Everydollar my new debt amount is £9128. I need to double check some figures. My debt free date is now looking to be about April 2020:eek::eek:
    No Spend November 2/15 and SPC 134
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Ouch to that apr, if it will save you some money I'd definitely clear it if you can!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Well done on clearing those accounts :T
    "If you can dream it, you can do it". Walt Disney
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