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  • FIRST POST
    • Huskyrunner
    • By Huskyrunner 24th Mar 16, 10:26 PM
    • 314Posts
    • 330Thanks
    Huskyrunner
    never ending debt free diary
    • #1
    • 24th Mar 16, 10:26 PM
    never ending debt free diary 24th Mar 16 at 10:26 PM
    Hi i am on a debt management plan i should be debt free by the time i am 43 at the current rate i am currently 36 years old.

    I have 17000 worth of debts that were scattered everywhere payday loan companies, credit cards, overdrafts etc

    i am paying 200 a month its a tiny amount in the scale of things but i am doing every single online survey going too bring extra cash in. I am a member of the below can anyone recommend any other online survey sites too boost income

    opinion outpost
    one poll
    toluna
    opinium research
    isay
    panel opinions
    global test market

    top cash back i use also but it takes ages too pay out

    Re me and my partner and some background we have being together ten years and are solid but financially we have being under a lot of !!!!. My partner is a youth worker and has lost so many jobs due too lack of funding government cuts. All of this combined with me getting made redundant by barclays 12 months ago has being fun and games.

    i am now working again my other half is working for an agency and has a well solid youth worker job.
    Last edited by Huskyrunner; 24-03-2016 at 11:41 PM.
Page 5
    • hannahroberts1985
    • By hannahroberts1985 19th Jul 16, 7:17 AM
    • 438 Posts
    • 767 Thanks
    hannahroberts1985
    Oh cool glad it helped you. It seemed like a good offer to stock up on if your going to need it down the line anyway.

    At least the guys going to work to pay for them though. Not a fan of the energy drinks though a lot drink them at my place and just don't see the damage it's doing to their bodies!

    I'm 90%sure I'm done but I may get broody and want to try one more time for a girl!!! We shall see how money is flowing though and how I handle life with two!
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • Huskyrunner
    • By Huskyrunner 19th Jul 16, 8:33 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    yeah but even so 4 kids stuff that lol

    Exactly your not meant too survive on that lil sleep and 3-4 of them is bad for your body big style.

    What if you try one more time and its a boy again do you then try a forth time and end up like my work collegue. lol 2 is good 3plus mental unless your minted.
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 19th Jul 16, 10:47 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    Good day on the survey sites for me two or three global test market surveys booted me out.

    But i managed too get through 5 uk toluna surveys and a couple two hundred points surveys as well as around 10-15 15 points surveys on my phone. Any one using uk toluna make sure you download the smart phone ap theres surveys on there most days and its a good way too build up an extra 100-300 points a day.

    I am now at 165,200points and i have 5 surveys as pending. 185000 shouldnt belong.
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 25th Jul 16, 1:15 AM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    Kerching all done just dropped another 35 quid from uk toluna 28 days, gunna push too do the same again.

    I am also on 71 quid from opinium research so that acvount is not far away.
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • charmed1318
    • By charmed1318 27th Jul 16, 10:26 AM
    • 167 Posts
    • 18,460 Thanks
    charmed1318
    Hey,
    Just finished reading your diary so far, thought I'd comment as you did for me.

    I used to do Toluna a couple years ago, but it seemed forever to even get a fiver. Thanks to you, I have logged back in and already made about £4 in two days, so thanks for the nod.

    Hope things with the Quet are going okay. I am only on 100mg, but this was increased from 50mg a month ago. I know people can be on hundreds of mg, so feel for you. And keeping a job as well, especially night work, hats of to you.
    • Huskyrunner
    • By Huskyrunner 27th Jul 16, 4:19 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    Hey,
    Just finished reading your diary so far, thought I'd comment as you did for me.

    I used to do Toluna a couple years ago, but it seemed forever to even get a fiver. Thanks to you, I have logged back in and already made about £4 in two days, so thanks for the nod.

    Hope things with the Quet are going okay. I am only on 100mg, but this was increased from 50mg a month ago. I know people can be on hundreds of mg, so feel for you. And keeping a job as well, especially night work, hats of to you.
    Originally posted by charmed1318
    thanks Charmed it can be hard i dont deny it my gp did suggest upping the dose the other day and i was like "nooooooooooooooooooooo" I am struggling quite a bit at the moment re my illness i have being off work the last few weeks but i am back tonight and tomorrow. Working nights is hard i currently do 4 on 3 off but i think soon i am changing too 4 on 4 off which hopefully will help.

    Yeah i am doing quite well with uk toluna i had 35 hit my account day before yesterday and i have another 35 quid on its way.

    Your best bet with uk toluna is download the app check it 2-3 times a day, re the larger surveys always do the ones there that are marked as points say 100points too 1500points first that way if you dont meet the criteria you still click 100 points. Then look at the others anything that says 2000 points 35minutes i would not bother with.
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 11th Aug 16, 5:55 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    i havent posted in ages but hay ho the joys of being back on nights.

    Money wise this week i am doing canny good 7.50 dropped from opinion outpost. And 30 quid arrived from global test market.

    Unlike my nugget call centre collegues i spend quiet time at work productively ie not sitting !!!!!ing about other collegues.

    Uk Toluna is coming on, 112455 points
    I am trying too get another drop down in sub 30days.
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 17th Sep 16, 9:18 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    sorry i havent being around much guys being going through some junk
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 12:11 AM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    Well thats me nearly 27.50 today and sorry i forgot 68p too

    2.50 dropped for completing surveys on opinion outpost
    25 quid for completing surveys on opinium research

    all is well financially

    i wish i could say everything else at home was i have gone back on the sick at work, and me and my partner are living together but our relationship is knackered. we are giving ourselves another 3 months
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 2:42 AM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    I am trying too stay positive re our finances but its hard i owe 16700 and my oh owes around 9700 we cant sadly move untill we clear both. Me and my partner live next too the biggest idiots going think drug taking chavs and you wont be far wrong.

    I have just being on noodle.co.uk and one positive is my credit scores gone up 10 points from last month. Hopefully if it goes again this month happy days.

    I know its against the rules of a dmp but in march i took on a vanquis credit card and since i took that on i spent about 150 quid on new clothes each month i have being paying 30 off it each month. This month they upped my limit 250pounds too 500 so i think i will do the same again spend 100 on some new clothes, then in cash take out another 150 and pop it in the bank. It sounds stupid i know but theres method in my madness that 150 quid in cash will clear 2 small debts on my dmp. The sooner there gone the sooner my credit score goes off again. Its against the rules apparently when you ring a debt collection agency too clear a debt with a credit card in your name. If it was in someone elses name they dont care.

    My debt management plan i pay 350 a month on it i have just increased it, i am hoping with overtime/the sale of husky puppies/and market research surveys too get debt free in 18month too 2 years. Once i am clear then i will help the wife.
    Last edited by Huskyrunner; 19-09-2016 at 2:46 AM.
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 10:22 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    no spend day today

    i set up an account this morning with clear score but i did being honest find there site a tad wanky compared too noddle. Clear score seems too recommend more products than noddle.co.uk.

    No surveys done today i spent most of the day catching up with 3 days lack of sleep.
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 20th Sep 16, 10:21 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    a real boring boring day for me

    a no spend day too

    i had the first full nights sleep in weeks 11pm till 1pm a long time for me yes i know but its the first time i have slept over 2-3 hours at a time in weeks.

    pluses today 98p cash back hit my paypal
    and i am getting slowly closer too my 40 quid drop down point on onepoll.com 26quid ish.

    on a personal level life sucks my and my oh are not speaking
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • Huskyrunner
    • By Huskyrunner 22nd Sep 16, 2:07 AM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    A minor spend day for me today 1.40 on 6 pints of milk lol

    Today i am feeling loads and loads better i was listening too the hairy bikers rock show (radio show on planet rock)

    I heard an advert for Calm see the link below, i then went straight online and chat with one of there counsellors for an hour. Its was good too chat with someone Switzerland/neutral. I want too get control back i dont feel like me at the minute.

    https://www.thecalmzone.net/help/get-help/

    Guys with mental illness issues will understand this as a bloke try talking too your mates re how your feeling and they will run a mile. Mine all have.
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
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