Paying the car tax via EBay, and other shenanigans.

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  • mfmaybe
    mfmaybe Posts: 1,176
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    Had my last full pay day so made the final payment to family member. Signature updated. :T

    I also think my 0% card is lower by £150 than signature suggests. I seem to remember my next payment gets me into the 4's. It's my next focus, but my income dwindles quite a lot now!
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • brizzledfw
    brizzledfw Posts: 7,302
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    Well done you! :)
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Brilliant progress
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 9lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 30.15% through my pb challenge.
  • mfmaybe
    mfmaybe Posts: 1,176
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    Thanks both :)

    Just chased up TCB as I've had a £50 claim declined. It's for pet insurance that's very much a live policy. Have another £40 to claim. Might put it towards the 0% card. Will see. Also need an outfit for a wedding (tummy not quite back to normal and need to be able to feed easily!) and need to sort horses rugs. Some to sell as well though.
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • mfmaybe
    mfmaybe Posts: 1,176
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    I wrote this early in the year:

    Thought I'd add a priority list:
    1. Get ahead of monthly credit card, so all spends are put aside
    2. Keep setting aside money for annual bills and potential spends (eg car repairs)
    3. Save up for maternity
    4. Continue to pay off family debt
    5. Pay off 0%
    6. Pay off OH for the medical bill


    1-4 are done as best as I can. I have £8.5k set aside for a combination of annual bills and maternity. OH will cover mortgage, he's been adding an extra 50% for the last 3 months to get into the habit, he gets a pay rise that covers another 25%, the rest will be a bit of a stretch but should be ok. I should be ok for all my other commitments. £250 a month less to find now that the family debt is paid off. So I'm hoping I don't need to tap into too much in the way of those savings. Let's see.

    I've also managed to fund all the car taxes out of salary not savings. I think the biggest difference this year has been lack of holidays. I need to start a serious holiday savings fund! We're hoping for some winter sun. :o

    Anyway quick update while I have both hands free. Better go and do something useful while baby sleeps.
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • mfmaybe
    mfmaybe Posts: 1,176
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    Forumite
    Quick update. Sig updated with DDs to 0% card. Next payment takes me to over 25% paid. Each month is only 2% of original debt though. I'd have to more than double the monthly payments to get it paid off by the time the zero percent ends, which will be tricky on mat leave. Currently have more than enough savings to cover it though so will continue to stooze for now.
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • brizzledfw
    brizzledfw Posts: 7,302
    Debt-free and Proud!
    Forumite
    Well done. Hope life as 3 still going well x
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • mfmaybe
    mfmaybe Posts: 1,176
    First Anniversary First Post
    Forumite
    All is well. We've had a few all night sleeps now so can't complain. He's quite a cutey!

    Another payment made to 0% card so over a quarter paid off now. Downloaded the app so I could make overpayments easily but it appears you can't. Grr.

    Otherwise things remain under control but next week my pay will come in a SMP. Let's see how I do...:eek:
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • You'll do brilliantly as always.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 9lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 30.15% through my pb challenge.
  • mfmaybe
    mfmaybe Posts: 1,176
    First Anniversary First Post
    Forumite
    You'll do brilliantly as always.

    Such confidence :D

    So got paid and was thinking "oh gosh that's not so bad". But then I opened payslip and realised I'd had a £450 tax credit. Which is fine, and mine. But I won't get it next month I suspect. :p. Anyway I've put it into the savings account and will try to live on my "regular" salary instead.

    Credit card has crept up a little bit though as we bought a couple of things in IKEA. But generally things are ok.
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
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