Frugaling and creative debt juggling!!!

20 months interest free on balance transfers with Barclay card! This is worth looking into.  I  have also contacted child tax credit and got loan amount for repayment - 3.5k Will be less in a few days as I will have paid a wee bit more off the balance. I think I can be more creative than the CAP people and def more frugal.

I get the saving bit - that is now essential for me. I need to save £71 per month for car stuff etc etc etc. However I feel  over £200 on food /household per month is ridiculous!!!! I do fine on £40 and often have change when I am not feeding Biggles! We always have fruit and yoghurt's and veg with chicken or other lean meat. Hmmm I think If I meal planned more and if it was just me and darling Roo girl weeny one it would be less than £40 per month on a regular basis (though I do like to take advantage of a bargains and stock pile!!
I also need to get the results of council tax investigations to help me.  I  wasn't impressed with the drop the mobile phone and also cut the uncuttable fixed price or pay a penalty BT package. (Eyes roll)

Will put them on hold and not piss off my creditors Just yet!  I may have to borrow from family for the loan till the house goes which is not ideal but .... If all else fail s Roo and I are going to move into Biggles house when he moves ( posted with work - yes he is a bit military hence Biggles) and live at a much reduced rate and so can pay off debt.I may be in Carlisle or want to get to Carlisle so will look more into renting for a year. Will still have to add to cover the mortgage but will cross that bridge when I get there.

Mortgage companies are really annoying. I now get paid on the last working day of the month. The latest the Mortgage can come out is the 28th of the month - This is fine...... mostly. Hmm before I paid on the 17th or next working day to 17th. I can't go back to that either or else will cost myself an extra payment. FFS


So tomorrow/initial list to do.....

Ring council tax
Ring loans people again
Whinge at child tax credit to get realistic figures for actual salary . FFS how complicated is CTC and WTC!!!!

Work out and draw up new budget to appease CAP!!!  If this all goes to plan I will need to cnage my bank accounts back to my old favourite bank not the new one -  I really cannot be arsed to remember another sodding password/ pin number.

A hippier more positive Eeek and damn  I look good in my charity shop clothes - Could do with a hair cut though. lol ( No provision for haircuts in my budget btw  not even a trim tut tut or money for the window cleaner - an indulgence but necessary and only a fiver once a month or every two months. Maybe I will cancel it - upstairs would never get cleaned!! Eurgh!