Muddle-headed Kay (mhw) wrote,
Muddle-headed Kay
mhw

This journal has been placed in memorial status. New entries cannot be posted to it.

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Financial "gah"s.

I just feel I ought to tell people all this, given how kind they were in sending us money and best wishes. This is how things currently stand.

Well, we went to the CCCS on Friday morning, and the news was about as bad as it could be. According to their standard budgeting spreadsheet, we actually don't have enough income to live, let alone pay off any creditors. There's no slack to be cut. No belt notches to tighten. Nada. Zip. And we have over £10,000 of debts to manage.

So we've done a bit of desperation. Given that Jus needs the car to keep the job (there's no viable public transport from here to his workplace, or he'd be using it already) and that it's an expensive beast to run, to insure, and for which to get spare parts (shame, because Rovers are lovely cars for not crippling my back when I ride in them) - we spent money today. Not much in the grand scheme of things - £400 - but given that we don't have any slack it's a scary scary amount. We now have a Citroen. It has about 2/3 the mileage that the Rover has, is diesel rather than petrol, and should do ~60 mpg in comparison to the Rover's ~30 in optimal driving. This should save about £100/month in fuel costs alone. The MOT is valid until November, as opposed to the Rover's which is due this month, which is another useful deferral of costs.

If the book contract goes through, I'll get £5,000 which I intend to spend on eradicating the debts as much as I can - the CCCS guy said that creditors will often accept a partial settlement as full, just to get a bad debt off their books, so I might be able to clear two, perhaps three, of our Four Big Debts. But that depends on it going through. And payment will be many months away.

The SS are still sending me forms instead of money :(

Jus is being re-graded at work, as are all of the Pipemedia folk, so there may well be a decent payrise in the offing, but again, it's not something we can count on.
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