One of the things i am finding difficult about working on my debts is knowing where i am with them. Everytime i think about how i am getting on i have to get out the various bits of paper, receipts and bank statements to do some calculations.
Yesterday i had the brilliant idea of starting a spreadsheet to keep track of my earnings from online sources and today i am thinking one for my debts would be a good idea as well.
I do have a bit of a tendency to start these things and not keep on top of them but i think it is worth a try - consider it almost like a business where everything needs to be recorded accurately. If i can just get into the habit of updating these each time i make a payment (and an earning for the other one) then it would let me know exactly where i am with things :)
So thats the plan for today now - spreadsheet city here i come LOL!
Thursday 16 February 2012
Friday 3 February 2012
Mortgage arrears lower than i thought :)
Just been on the phone to the lovely people about my mortgage payments to see if i could get a monthly statement or anything to help keep me on track with it. They were so nice about it all and explained where i am with it and how to get back on top of it again :)
Ok i actually owe £381.06 as of today, so thats a good bit lower than i had thought - great news :) and when my HB payment comes off in the middle of the month (about the 12th its due) i will owe £195.02. For this month then i can use this figure to work on and any more payments i make will be reducing this even more!
Once i get the arrears sorted out I will need to try and get into a credit situation so i am paying my installments before my mortgage payment is due - i didn't know that before talking to them today - though it does make sense!
So thats good, i now have a clear idea of what i need to do to get my account back into order with them, just need to keep working on it now!
Ok i actually owe £381.06 as of today, so thats a good bit lower than i had thought - great news :) and when my HB payment comes off in the middle of the month (about the 12th its due) i will owe £195.02. For this month then i can use this figure to work on and any more payments i make will be reducing this even more!
Once i get the arrears sorted out I will need to try and get into a credit situation so i am paying my installments before my mortgage payment is due - i didn't know that before talking to them today - though it does make sense!
So thats good, i now have a clear idea of what i need to do to get my account back into order with them, just need to keep working on it now!
Thursday 2 February 2012
Mortgage & Avon Updates
Well i managed to pay another £50 off my Avon account today - I am sooooooo pleased about this and the reason i was able to pay it this week is because i won £40 on a free game of online bingo :)
So Avon total is now £850 - its lovely to see if coming down!!
As for the Mortgage - my payment of £338.50 became due today so that needs adding on :( so that makes it now £567.10 hmmmmmm thats not so good.......BUT i have to remember that it started off as £714 odds when i did the calculation on 13th Jan. I also have a HB payment due soon as well so that will bring it back down again - i will have a better idea of where i am when that gets paid cos i know my arrears are definitely going down :)
Finish on a positive - I have now paid £627.14 off my debts since the beginning of the year - i KNOW this year is going to be a good one for getting this mess sorted out - I am really determined it will be :)
So Avon total is now £850 - its lovely to see if coming down!!
As for the Mortgage - my payment of £338.50 became due today so that needs adding on :( so that makes it now £567.10 hmmmmmm thats not so good.......BUT i have to remember that it started off as £714 odds when i did the calculation on 13th Jan. I also have a HB payment due soon as well so that will bring it back down again - i will have a better idea of where i am when that gets paid cos i know my arrears are definitely going down :)
Finish on a positive - I have now paid £627.14 off my debts since the beginning of the year - i KNOW this year is going to be a good one for getting this mess sorted out - I am really determined it will be :)
Wednesday 1 February 2012
An extra payment this week!
I managed to make some more payments today - i am really trying to get into a regular routine now and it seems to be working so far :)
Today I paid £100 off my mortgage, £20 off my rates, & FT overdraft £3.
Calculations then are:
Mortgage: my arrears were £328.60 at the last count so now at £228.60 :)
Rates - I was sitting at £242.55 on this one - £20 off it today makes it now £222.55.
I also decided to start and make a small payment off my FT overdraft each week if i can so i paid £3 off it today - i got a statement in for this account this morning so my current balance is £1639.90. I figure if i try to make a small weekly payment off this account it will really make a difference!
Avon bill - i haven't paid anything off this yet this week but plan to later on - i just need to check my income for this month and see where i stand with that.
I got a letter in about a review of my DMP being due so i will have to get myself organised for that. Thats going to take a bit of sorting out - i need to check all the balances and my budget and income - scary!! but has to be done!
Total payments made so far this year then is £577.14 :) can't believe its over £500 already and its just 1st Feb!
Wednesday 25 January 2012
Payment day Today!
I have been trying to get a few payments sorted out all week this week and finally managed to get some done today.
I paid £100 off my mortgage, £20 off my rates, TV licence £3, and £50 off Avon bill.
Calculations then are:
Mortgage: my arrears were £428.60 at the last count so now at £328.60.
TV Licence - i was due to pay £3 on Monday and i did make this today so i am now back up to date with this one :)
Rates - I was sitting at £262.55 on this one - £20 off it now so £242.55.
Avon bill - i have just paid £50 off this account leaving a balance of £900
Total payments made so far this year then is £454.14 :)
Friday 13 January 2012
Trying to catch Up
After seeing just how out of control my debts have got again I have been trying to get myself back into the debt slaying frame of mind. To help me with this i have joined another challenge on moneysavingexpert - its basically a pay off challenge and i have given myself a target of £5000 overall - hopefully i will manage to pay off more than this over the course of the year but i thought it would be a good target to aim for to start with anyway :)
So far this year i have paid off £170 - £100 off mortgage, £10 off rates and £60 to cccs so thats a good start i think :) but i want to try and make a payment off something today as well.
The one bill that has been confusing me the most is my mortgage payment - i just find it difficult to remember and monitor my payments and what is due etc.
I got a letter dated 16th December saying i was £376.14 in arrears with my payments. Payment becomes due on 2nd of the month so that takes it to £714.64. I made a payment of £100 on 9th Jan = £614.64 & HB payment was due yesterday which should be £186.04 = £428.60 so my arrears at the minute are £428.60 as far as i can figure out.
I want to try and make a regular payment again every Monday off my Mortgage, my TV license, my Rates and maybe one more if i can manage it.
TV Licence - According to my schedule i owe £33 to catch up with this payment. I have just paid £30 for this bill and i can pay the other £3 on Monday and i will be back up to date.
Rates - The last details i have on the rates payment i owe is £272.55 and i paid £10 off this on 9th so thats £262.55 now on this one if my other figure is right.
I have also just made the payment for my ground rent which is £17.50.
Final payment for today then - i have just paid £63.64 off the Avon account leaving a balance of £950
So thats a good bit of catching up done for today and total payments made so far this year is £281.14
So far this year i have paid off £170 - £100 off mortgage, £10 off rates and £60 to cccs so thats a good start i think :) but i want to try and make a payment off something today as well.
The one bill that has been confusing me the most is my mortgage payment - i just find it difficult to remember and monitor my payments and what is due etc.
I got a letter dated 16th December saying i was £376.14 in arrears with my payments. Payment becomes due on 2nd of the month so that takes it to £714.64. I made a payment of £100 on 9th Jan = £614.64 & HB payment was due yesterday which should be £186.04 = £428.60 so my arrears at the minute are £428.60 as far as i can figure out.
I want to try and make a regular payment again every Monday off my Mortgage, my TV license, my Rates and maybe one more if i can manage it.
TV Licence - According to my schedule i owe £33 to catch up with this payment. I have just paid £30 for this bill and i can pay the other £3 on Monday and i will be back up to date.
Rates - The last details i have on the rates payment i owe is £272.55 and i paid £10 off this on 9th so thats £262.55 now on this one if my other figure is right.
I have also just made the payment for my ground rent which is £17.50.
Final payment for today then - i have just paid £63.64 off the Avon account leaving a balance of £950
So thats a good bit of catching up done for today and total payments made so far this year is £281.14
Tuesday 3 January 2012
The Debts Keep Coming In!
I really have to do some calculations to see where i am with my debts again cos at the minute it just feels like there are more being added to the list rather than getting them under control :(
Today i got a not so nice letter from the Tax office saying i owe them £369.40!! I don't know how thats possible so i will be ringing them tomorrow to find out - lets hope its a mistake!
What else do i have to add? To many unfortunately:
Am behind with my mortgage payments again - i need to pay £376.14 to get back up to date.
Avon - I owe them £1013.64 - have to contact them tomorrow as well to see if i can arrange a payment option with them and hopefully avoid more charges being added to that.
Ground Rent - I owe £17.50 to them - should be able to clear that one easy enough!
Gumtree - I owe them £60 for advertising i did ages ago :(
V - £1000 for money we raised and got taken out of my account to pay off an overdraft - I had been avoiding thinking about that one but it needs sorting out as well.
I think thats all the 'new' ones. I might as well add a total for all the others here too as i'm trying to start working on them all again. Am scared to look at them but i know i have to!
Here goes:
MBNA 1 - £3665.36
MBNA 2 - £3220.64
MBNA 3 - £1533.23
Barclays - £2387.48
Egg 1 - £1864.12
Egg 2 - £1534.03
Barclays Loan - £1706.96
First Trust OD £1648.39
Barclaycard - £1569.00
These all get paid via CCCS - Balance is £19128.86 + £2836.68 for above debts = £21965.54 :(
Thats pants! But at least i have a starting figure now and i will be able to see it coming down again!
Today i got a not so nice letter from the Tax office saying i owe them £369.40!! I don't know how thats possible so i will be ringing them tomorrow to find out - lets hope its a mistake!
What else do i have to add? To many unfortunately:
Am behind with my mortgage payments again - i need to pay £376.14 to get back up to date.
Avon - I owe them £1013.64 - have to contact them tomorrow as well to see if i can arrange a payment option with them and hopefully avoid more charges being added to that.
Ground Rent - I owe £17.50 to them - should be able to clear that one easy enough!
Gumtree - I owe them £60 for advertising i did ages ago :(
V - £1000 for money we raised and got taken out of my account to pay off an overdraft - I had been avoiding thinking about that one but it needs sorting out as well.
I think thats all the 'new' ones. I might as well add a total for all the others here too as i'm trying to start working on them all again. Am scared to look at them but i know i have to!
Here goes:
MBNA 1 - £3665.36
MBNA 2 - £3220.64
MBNA 3 - £1533.23
Barclays - £2387.48
Egg 1 - £1864.12
Egg 2 - £1534.03
Barclays Loan - £1706.96
First Trust OD £1648.39
Barclaycard - £1569.00
These all get paid via CCCS - Balance is £19128.86 + £2836.68 for above debts = £21965.54 :(
Thats pants! But at least i have a starting figure now and i will be able to see it coming down again!
Sunday 1 January 2012
January 1st 2012
Its hard to believe it is a new year - its always rather symbolic of new beginnings and fresh starts! Yet most of us simply feel like its just another day and one where we come up with all sorts of plans and ideas just to forget them again in a week or two if they even last that long.
For me its a good day to start writing again - i always feel the need to have a 'proper' starting point and what better start can there be than the first day of a new year?
I haven't looked at my debts for a while - i've been distracted but want to get back into my habit of knowing where i am with them again and start to work on getting them sorted once again. I feel like i have slipped into bad habits again and so i will have to look afresh at my debt totals and choose the first one i want to work on again!
I have just started to post again on MSE which always seems to help me to focus and so far today i have been just starting the process of getting back into earning online again.
So far the accounts i have checked and worked on are:
Donkeymails - $0.7324
Swagbucks Charity Acount - 664
Unique Rewards - $8.58
Maximiles - 2585
For me its a good day to start writing again - i always feel the need to have a 'proper' starting point and what better start can there be than the first day of a new year?
I haven't looked at my debts for a while - i've been distracted but want to get back into my habit of knowing where i am with them again and start to work on getting them sorted once again. I feel like i have slipped into bad habits again and so i will have to look afresh at my debt totals and choose the first one i want to work on again!
I have just started to post again on MSE which always seems to help me to focus and so far today i have been just starting the process of getting back into earning online again.
So far the accounts i have checked and worked on are:
Donkeymails - $0.7324
Swagbucks Charity Acount - 664
Unique Rewards - $8.58
Maximiles - 2585
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