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  • FIRST POST
    • Huskyrunner
    • By Huskyrunner 24th Mar 16, 10:26 PM
    • 522Posts
    • 844Thanks
    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; 18-11-2016 at 12:41 AM.
Page 5
    • hannahroberts1985
    • By hannahroberts1985 19th Jul 16, 7:17 AM
    • 516 Posts
    • 875 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:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • Huskyrunner
    • By Huskyrunner 19th Jul 16, 8:33 PM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 19th Jul 16, 10:47 PM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 25th Jul 16, 1:15 AM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • charmed1318
    • By charmed1318 27th Jul 16, 10:26 AM
    • 170 Posts
    • 20,419 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
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 11th Aug 16, 5:55 PM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 17th Sep 16, 9:18 PM
    • 522 Posts
    • 844 Thanks
    Huskyrunner
    sorry i havent being around much guys being going through some junk
    debts 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 12:11 AM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 2:42 AM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 10:22 PM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 20th Sep 16, 10:21 PM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 22nd Sep 16, 2:07 AM
    • 522 Posts
    • 844 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 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 12th Oct 16, 6:18 PM
    • 522 Posts
    • 844 Thanks
    Huskyrunner
    Can putting in car insurance quotes damage your credit rating and can looking at what you have in the way of offers on clear score do the same.

    The reason i ask this is my noddle credit score has dropped from 515 too the 440's the only things i have done is twice got quotes for car insurance, and once done a quote for van insurance.
    debts 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 27th Oct 16, 1:54 PM
    • 522 Posts
    • 844 Thanks
    Huskyrunner
    Well after twelve month i have decided too shut my debt management plan with step change its being a little while coming but i am going too manage it myself.

    I dont like that my credit file shows i am late on 3-4 debts i am in default with even though step change are making them monthly payments. Plus stepchange work in a strange way ie paying a fortune too smaller debts whereas a debt for 5500 gets 15-20 pounds pm

    I have paid off just shy of 1100.
    debts 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 28th Oct 16, 5:06 PM
    • 522 Posts
    • 844 Thanks
    Huskyrunner
    Well thats me in a better position than i was, 30 in from global test market yesterday, i am nearly there with power of opinions another 50 points needed. Uk toluna is at 148000points ish and i am at 85 points on opinion outpost.

    Stepchange are yet too get in touch since i said hasta la vista.

    I will post up all my debts later, theres quite a few. I have spoken with Barclays bank and agreed a more substantial payment package, but it still leaves me 200 a month too clear off my other debts.
    debts 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 2nd Nov 16, 5:12 PM
    • 522 Posts
    • 844 Thanks
    Huskyrunner
    a boring day for me today i have being ill again for the third time in a month gerrrrrrr

    chest infection/sore throat etc

    On a plus note a no spend day

    I am at the minute trying too get all the details of my debts ie references/sort codes account numbers etc Stepchange have not being helpful.
    debts 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 2nd Nov 16, 6:18 PM
    • 522 Posts
    • 844 Thanks
    Huskyrunner
    I have 2 survey accounts nearly at payout point i really really need the money its being a tough few months financially i dont know how people survive on ssp.

    For anyone that hadnt fully read my diary before now i have cyclothymia which is similar too depression but for the past year i have really struggled with anxiety/sleep issues and long periods of low mood.

    I am scared a tiny bit but i am hoping too get back too work on monday i cant survive on 88pounds pw. Its horrible having mental illness as i am going back too work once again and i am no where near fit enough too return.
    debts 16550
    Mortgage 69500
    • Huskyrunner
    • By Huskyrunner 2nd Nov 16, 9:00 PM
    • 522 Posts
    • 844 Thanks
    Huskyrunner
    Every little helps and all that just dropped £2.50 from opinion outpost and thats gone straight off a debt i have for pra group £36.31 to go and thats another one bites the dust.
    debts 16550
    Mortgage 69500
    • Bobarella
    • By Bobarella 2nd Nov 16, 9:01 PM
    • 8,030 Posts
    • 51,440 Thanks
    Bobarella
    Sorry to hear you don't feel ready to go back Husky.
    £790 to pay =70% repaid
    RR 2016 #2 December £2.08 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,236.99 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
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