Keeping records up to date

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! 

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!

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 :)

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!