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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