kdalwayskint

A question about : kdalwayskint

So here we are again!

It's nowhere near as bad as it was the last time, I just need to sort myself out and kick the stupid credit card into touch. That's my journey this time, I'm hoping to get rid of my cc balance by this time next year. I don't know if it's doable as I haven't crunched any numbers yet I just know it's starting to get me down.

Need to update my signature so here it is as it stands now so that I can look back to see how I'm doing.

GC Mar Ј97.92/Ј200, Feb Ј196/Ј200 ~ these are from earlier this year realising that it's not great when OH out of work before Christmas 2013 and struggling after too. Things got better and then more out of work for him again a few weeks ago.

College bus fund Ј54/Ј490 ~ I ended up putting this on the credit card and then my DS decided he wasn't going again, I haven't cancelled the bus pass as it's proved fairly useful for him being a little bit independent, although I think he's called a neet? Which I'm disappointed about but he has decided to join the army and has an interview on the 12th December, so fingers crossed for him.

DFW Nerd #1155 ~ nothing to update here, this stays the same.

LBM 25/2/09 ~ this will remain the same as things are no where near how they were at this time in my life.

Debt at highest Ј8,037.35 and this still remains to be my highest.

Credit Card Ј1143 ~ disappointingly this is higher than I'd like it too be especially as things are tight, and it's a Vanquis card so Apr is awful, initially wanted to get it to help build my credit rating but I don't have any savings since OH was out of work and had to use it for emergency car problems, it's not crazy high but it's starting to get a bit tight paying the monthly minimum

So I am getting prepared for January debt busting, I have started to use top cash back for any online Christmas shopping, I don't know why I didn't do it before but I've now got a nect*r card linked to my fleabay account. I shall be doing the grocery challenges and resurrecting the sealed pot for 2015. I'm hoping to get rid of my cc and sort out a saving/emergency fund.

I'll be posting my Christmas planning too, so that I can see how things are going.

Anyway, that's me for now

Best answers:

• A NSD today
  I've signed up to the saving for Xmas 2015 Ј365 to aim for the 1st December next year, I think this is doable and will help with the pressure this time of year brings.
  I'm off to sort out the Christmas bits I've got so far too see who I need to get for, I think without going to look I need to buy some bottles for the adult gift hampers and buy gifts for my nieces and nephews, that doesn't seem to bad
• Happy shiny new diary
• I'm getting geared up for debt busting and saving in 2015
  I'd really like to get rid of the CC soon and then put what I've been paying to that into savings.
  I've joined the Emergency Fund, Saving for Christmas 2015 and Sell Ј1000 challenges to keep motivated
  The EF challenge is a slowly but surely one so as long as I keep adding little bits to it I will be happy.
  I already try to keep a car fund going, and I used some of that the other day to get the water bottle fitted for my screen wash, but over the last few months I've had to transfer the cash into my current account just to keep afloat and try not to use the CC.
  The money from the sell Ј1000 I shall put towards the CC. There's not a massive amount on the CC but I just want rid of it now, it's making things difficult and the money I'm paying to it could be saved
• So this happened...
  2 hour journey took 7 hours
  Oh no, the absolute worst has happened
  Road trip to visit family (Wiltshire to Kent) I broke down I didn't have any breakdown cover had to sign up for RAC on the roadside Ј140ish lesson learnt there!
  I know I don't want it, but thank God I had the CC with me.
  I was nearer Kent than home so we've been recovered to my dad's, we could have been recovered back home but that would have cost another Ј163!
  So I will be stripping my EF all Ј11.41 of it, my saving for next Christmas fund all Ј30 and the Ј13 left from my car fund (had a small windscreen wash repair done last week otherwise that would have been Ј40) and putting it all towards my CC
  Hopefully my cousin will be able to help me sort the car the in the next few days.
  So feeling a little
• Oh dear... I popped over from Peatys thread to see what had happened!!
  Big hugs to you, that sounds atrocious! I once again thank my lucky stars I don't have a car. I would only be encouraged to use it all the time and then it would cost me more than I earn!
  Keep fighting the debt!! And trickle cash back into that emergency fund xx
• Hi Lilty thanks for popping by
  Still a bit sick about my car, I use it to get to work, I work in a school and not back until the 5th so that's something. My cousin helped me take it to a bloke he knows but upsettingly the bloke didn't want to look at it, wasted a day we could have taken it elsewhere the time it took on the phone etc we were only there about 5 minutes if that
  My son and I are going to go home tomorrow, dad is going to take us, leaving my car here. I wish more that we'd paid the Ј160ish to get taken home, at least I could have got my usual garage to look at it and I would trust their judgement.
  Dad is going to get someone to look and let me know, at the moment there's a possibility it might get scrapped
• Oh no hun, that is terrible...
  Surely not scrapping it!! Hope that you can get it sorted and find some form of transport fast! How far away is work? Is there a decent public transport system or someone you could carshare/buddy up with??
• No transport link to work, but I have organised a lift.
  Dad has organised someone to look but they couldn't do it until tomorrow so I will know more then.
  Had a quiet NSD today how's your day been Lilty?
• I too have had a quiet day. Decluttering and sorting out my bedside cabinets and boxes of toiletries and meds
  ...*cough* I may also have spent Ј940 on a macbook... *cough*
  So no NSD here
  Glad you have a lift sorted! there is no transport link to my work either, but luckily I am only 2 miles walk away!! Fingers crossed for your dad!
• Well good news, Dad has had my car repaired, after my cousin taking me to a total cowboy who didn't even look properly, it turns out that it was a blockage causing the overheating, so all pipes have been cleared, one replaced and new fluid added, my little Ka seems ok, just have to make the trip from Kent to Wiltshire to see how it goes, at least this trip I've got breakdown cover
  I've only had 1 NSD so far which is a bit disappointing but me and DS have had a trip to London today. Bit of a necessity as we took a one way trip from Wiltshire by coach into London, a walk to see Big Ben and then walked to Waterloo East to catch the train to Dad's. Bought some munchies from Liddel for the journey.
  Plans for tomorrow:
  Return home with my car
  Check freezer and cupboards create a meal planner for the week, possibly for two weeks
  List some bits on eb@y
  From Monday I should be able to start adding cash back into my Christmas and Emergency funds. I will build up the Christmas fund by the end of March to have the cash in that I had to use for the car. The emergency fund will be a slow and steady one but I will make regular payments to it after realising how important it is to have one.
  And then to tackle the dastardly CC! So I'm planning to pay extra besides the minimum, well just because I think it's sensible as I really want to get rid of it. Any money I make by selling stuff I will also be paying to the CC. I've probably got one of the worst ones and at the time I wanted it to build up my credit as I've bad history, which I must have done as now the balance is over Ј2500, which I'm really not happy about, but I knew it was happening so I've only got myself to blame! Just don't really know what else to do with it
• we made it home in the car thank goodness!
  It's been another spendy day though, filled the car up for the journey home and have got plenty of petrol left so I won't need to put any in next week.
  Got some bits from Asd@, I quite like shopping there but it's a bit far usually but passed on the way back home, they do home delivery but refuse to use that service with them again after they decided not to deliver.
  Plans for tomorrow: update
  Return home with my car ~ done
  Check freezer and cupboards create a meal planner for the week, possibly for two weeks ~ feeling lazy so have only organised Monday and Tuesday which for me is progress!
  List some bits on eb@y ~ off to start this in a mo
  I'm aiming for 5 NSD this week - with plenty of petrol and food in cupboard and freezer I think this is doable
  First day of work for this year tomorrow so also need to go and sort my clothes out.
• Yessssssss for the car. I am so so happy for you!! to think, you were thinking it might be scrapped and it was just a blocked pipe. Positive Mental Attitude. I've got the Mental bit alright
  Bleh you just reminded me I need to iron my work clothes for Weds. Could be worse, it could be tomorrow.
  Hope your first day back goes well!! xx
• Oh dear what a nightmare with the car! Glad it got sorted though - these things are so stressful (not to mention expensive!!!)
• I think my tv is broken, there's football on
  I've had a NSD so that is 2 so far for this month
  I've listed 3 dresses on Eb@y, need to look to see what else I can put on. I've got some handmade bags that I could put on, but not sure there is a market for them but if I don't try, I'll never know.
  First day back at school/work was good. It was school dinner today as it was an inset, we only get a school dinner if it's inset or a special occasion. New head teacher/boss, seems alright let us go early as all the teaching staff had finished the inset.
  Let OH choose which meal we were having tonight and we'll have the other option tomorrow, might have to have a rummage in the freezer in a mo because the football is on and then can sort the meals out for the rest of the week.
  Not much else going on today, might have an early night though I'm shattered!
• just checked bank balance, I've been able to put Ј7.98 into my EF and I've got Ј7 in my Christmas fund
• Glad you had a good day back at work and your new teacher is ok. Well done on the additions to your EF and Christmas fund! Great start to January!
• Yay to putting money away! Well done you!
  Have already spent a third of my grocery budget this month but hoping to do a lot with what I've got in. Its the eff it moments that cost me money, when I can't be bothered. Lots of scotch broth on standby in the freezer for those times
  Nice you got off work early the real trouble starts tomorrow!! Good luck!!
• NSD up to 3 so far this month, Mon & Tue both but yesterday I had to get some cereal for me and OH. I also bought a calendar which was marked at half price so I thought I was going to pay Ј1.50 but actually went through the till at 75p
  I have got a bid on one of my three items on Eb@y
  Planning on having NSD today, so I'll report back later and catch up on a couple of diaries xxx
• Not much in the way of MSE day today, but I have had another NSD which means I've managed 4 this week, I will be spending tomorrow as I need to get a gift for my niece as it's her 18th, not planning on spending on Sunday, if that goes to plan I will have achieved my 5 NSD this week
  Successfully closed my JustF@b account and got the charge back so I will be putting that money towards the CC.
  I was trying to use the MSE energy club but couldn't get it to load on my Kindle, does anyone else have problems when using other tablet devices? I'll have to wait until next week at work to see if I can have a sneaky MSE moment at my desk. My blue price promise ends in Feb so thought I would have a look and do a bit of comparing.
  I have still only got bids on 1 item on Eb@y so far up to Ј1.04! I'll have to be good and list some other items on Sunday or I'm not going to get anywhere near the target which is going to go towards the CC.