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  • FIRST POST
    • Emzilla
    • By Emzilla 3rd Oct 17, 10:42 AM
    • 3,281Posts
    • 12,238Thanks
    Emzilla
    My name's Emz and I'm rubbish at diaries!
    • #1
    • 3rd Oct 17, 10:42 AM
    My name's Emz and I'm rubbish at diaries! 3rd Oct 17 at 10:42 AM
    Hi everyone

    I'm not going to write some long, convoluted post about why I'm rubbish at diaries and keep on checking out of DFW land for ages at a time.

    Bottom line: It needs to stop and it needs to stop today. I can't go on like this and must get something done.

    So with that in mind, I'm again tackling my electric arrears, which need to be gone ASAP. Ideally by the end of the year, but I'm not sure how realistic that is. I can but try though.

    The balance is currently £1,592.44. There are 90 days left of this year (), so that means clearing just under £18 a day, plus the additional charges that will be added in that time.

    So, simple plan to do this - get as much extra money coming in as possible (including vouchers to help pay for Christmas) and stop as much money going out as possible.

    I'll try my best to come on here each day and list the positive steps I've taken towards this goal.

    Emz xx
    £10 a day in December - £11.76/£310
Page 1
    • Purplemumof2
    • By Purplemumof2 3rd Oct 17, 11:04 AM
    • 5,286 Posts
    • 18,598 Thanks
    Purplemumof2
    • #2
    • 3rd Oct 17, 11:04 AM
    • #2
    • 3rd Oct 17, 11:04 AM
    Happy new diary Emz x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7000.00 Cap 1: £457.35 BC: £5000.00

    AFD 0/10 NSD 0/10 LTW 0/10
    POAMAYC 2018 #?? PD £0.00/£4000
    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • jwil
    • By jwil 4th Oct 17, 10:26 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    • #3
    • 4th Oct 17, 10:26 AM
    • #3
    • 4th Oct 17, 10:26 AM
    Good luck Emz xx
    "If you can dream it, you can do it". Walt Disney
    • Happierdays
    • By Happierdays 4th Oct 17, 11:55 AM
    • 147 Posts
    • 461 Thanks
    Happierdays
    • #4
    • 4th Oct 17, 11:55 AM
    • #4
    • 4th Oct 17, 11:55 AM
    All the best with your debt busting-you sound determined emz!
    • Emzilla
    • By Emzilla 7th Nov 17, 3:45 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    • #5
    • 7th Nov 17, 3:45 PM
    • #5
    • 7th Nov 17, 3:45 PM
    Emz sneaks back in and hopes that nobody notices she's been AWOL for over a month

    Did I mention I'm rubbish at keeping diaries? Nothing much has happened since I last posted. Very annoyed with myself for losing motivation yet again.

    At least my electric arrears haven't grown (I paid some off to clear what had been added on). In an attempt to motivate myself again to get these flaming arrears cleared once and for all, I'm going to give myself 100 days to get it done.

    I will get the £1,570 left cleared by the 15th February 2018!!

    I will, I will, I will, I will!!

    Emz xx
    • 117pauline
    • By 117pauline 7th Nov 17, 4:16 PM
    • 462 Posts
    • 5,651 Thanks
    117pauline
    • #6
    • 7th Nov 17, 4:16 PM
    • #6
    • 7th Nov 17, 4:16 PM
    Hi Emzilla

    It's good that you have returned and the debt hasn't increased.

    So.......... You have set yourself a tough target with Christmas in the middle.

    Have you done an SOA ?

    What are you going to do to make the extra money?
    - have you got anything to sell?
    - can you save by menu planning and reducing groceries?

    How are you going to tackle your first ten days?

    Good luck
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Emzilla
    • By Emzilla 7th Nov 17, 4:27 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    • #7
    • 7th Nov 17, 4:27 PM
    • #7
    • 7th Nov 17, 4:27 PM
    Hi Emzilla

    It's good that you have returned and the debt hasn't increased.

    So.......... You have set yourself a tough target with Christmas in the middle.

    Have you done an SOA ?

    What are you going to do to make the extra money?
    - have you got anything to sell?
    - can you save by menu planning and reducing groceries?

    How are you going to tackle your first ten days?

    Good luck
    Pauline
    Originally posted by 117pauline
    Hi Pauline

    I like your idea of splitting it into 10 days. 10 day chunks might be the way to go - £157 every 10 days.

    I've got a few different ways of earning extra - it's just getting my backside in gear and actually doing them!!

    Main ways are:

    Surveys
    Mystery shopping
    Textbroker

    With Christmas, I'm trying to be organised, get bargains and get stuff with Amazon vouchers from surveys.

    So, first £157 is due by 16th November.

    Emz xx
    £10 a day in December - £11.76/£310
    • Emzilla
    • By Emzilla 8th Nov 17, 1:40 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    • #8
    • 8th Nov 17, 1:40 PM
    • #8
    • 8th Nov 17, 1:40 PM
    Day 2 of 100.

    Trying to get organised for Christmas. My sister ordered a Lego set for my niece from her Amazon balance the other day, as it was £10 cheaper than usual and we didn't know how long it would be that price. It costs £60 in Tesco, but we got it for £37. So I owe my sister that Amazon money. I've already paid her back £10 (£5 Swagbucks and £5 Pinecone).

    I've also got £15 in my Amazon account and my nephew wants a Simpsons Scaletrix set which is £25. I've also got my niece a craft set for £5 from Tesco (got that a while ago).

    Nothing paid off the debt today, but I get paid on Friday, so will see if I can clear anything off it then. We are going for a meal with OH's parents on Saturday though. We're meeting them "halfway", which often means we go further than them. So, we'll have petrol money to pay out and will probably pay for the meal. It's his mother's birthday next week, so I doubt they'll pay half.

    Plus we'll have to order her a bunch of flowers for her actual birthday. But I'll get those from M&S, so I get my staff discount.

    OH gets paid on Friday next week, so I'll be able to make a bigger payment then.

    Emz xx
    £10 a day in December - £11.76/£310
    • Buffythedebtslayer
    • By Buffythedebtslayer 8th Nov 17, 2:21 PM
    • 14,902 Posts
    • 48,047 Thanks
    Buffythedebtslayer
    • #9
    • 8th Nov 17, 2:21 PM
    • #9
    • 8th Nov 17, 2:21 PM
    Hello Emz

    So good to see you again

    I have 1300 on the CC (Don't I always?) So will keep track along side you maybe us too old regulars can do it together?

    Love Buffy

    XX
    Saving all the money.............really I am !
    • Emzilla
    • By Emzilla 8th Nov 17, 2:32 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    Hello Emz

    So good to see you again

    I have 1300 on the CC (Don't I always?) So will keep track along side you maybe us too old regulars can do it together?

    Love Buffy

    XX
    Originally posted by Buffythedebtslayer
    Hey Buffy

    Lovely to see you too. I'll pop over to your diary and catch up soon.

    I'll definitely cheer you on to clear that £1,300. We can do it!!

    Emz xx
    £10 a day in December - £11.76/£310
    • beanielou
    • By beanielou 8th Nov 17, 5:52 PM
    • 49,035 Posts
    • 182,048 Thanks
    beanielou
    Good to see you Emz.
    Keep plodding xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Emzilla
    • By Emzilla 8th Nov 17, 8:12 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    Good to see you Emz.
    Keep plodding xx
    Originally posted by beanielou
    Hi Lou

    Hope you are well. Lovely to see you too.

    Emz xx
    £10 a day in December - £11.76/£310
    • beanielou
    • By beanielou 8th Nov 17, 8:14 PM
    • 49,035 Posts
    • 182,048 Thanks
    beanielou
    I am plodding on & falling more xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Emzilla
    • By Emzilla 9th Nov 17, 2:44 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    Day 3 of 100.

    Okay, so, quite a development today. I received a lovely letter saying they were taking me to court over the electric arrears, on 20th November, to get a warrant to gain entry to cut off the supply or fit a PAYG meter.

    I didn't know it had gotten to that stage, but I'm not surprised.

    I mentioned it to a very good friend and she has agreed to lend me the money to pay it off. I'm going with her to the bank tomorrow to get the money transferred over and I will be able to clear the arrears in full tomorrow.

    I'm so relieved I can't tell you. I know I will still have to pay my friend back and will do ASAP. She has said there's no rush, but there's nothing like a debt to ruin a friendship, so I will pay her back sooner rather than later. At least I won't get any charges added on to that though.

    Emz xx
    £10 a day in December - £11.76/£310
    • Buffythedebtslayer
    • By Buffythedebtslayer 9th Nov 17, 2:55 PM
    • 14,902 Posts
    • 48,047 Thanks
    Buffythedebtslayer
    Good friends are worth so much aren't they. Mine have kept me sane at various point over the last few months.

    Very glad that happened for you, excellent news XXXX
    Saving all the money.............really I am !
    • beanielou
    • By beanielou 9th Nov 17, 3:12 PM
    • 49,035 Posts
    • 182,048 Thanks
    beanielou
    What an amazing friend.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Emzilla
    • By Emzilla 12th Nov 17, 1:56 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    Sorry I haven't posted for a couple of days. I was busy with work, visiting the in-laws and.......paying off my electric bill!!!

    It was a thrilling moment!! My mate has been really kind and said that we will come to some arrangement in the new year to start paying her back.

    So I might now concentrate on getting Christmas presents and start to debt bust in the new year.

    We went for lunch with the in-laws, and they amazingly paid half. We've ordered flowers for her birthday and they came to £24 with my discount, so that wasn't too bad.

    I've got to go to work for a couple of hours this evening for a showcase type thing of their Christmas products. I get paid for it, so can't complain. A few of us are then going on to a pub quiz that we do every month or so. We never win, or even get close, but it's a good laugh. I've also got to remember to pay my £5 deposit for our Christmas meal.

    Emz xx
    £10 a day in December - £11.76/£310
    • beanielou
    • By beanielou 12th Nov 17, 9:07 PM
    • 49,035 Posts
    • 182,048 Thanks
    beanielou
    Faints in a heap.
    Paid half
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Emzilla
    • By Emzilla 14th Nov 17, 2:32 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    Faints in a heap.
    Paid half
    Originally posted by beanielou
    I know - I nearly fell of my chair when they gave my OH some money!!

    Emz xx
    £10 a day in December - £11.76/£310
    • Emzilla
    • By Emzilla 14th Nov 17, 3:15 PM
    • 3,281 Posts
    • 12,238 Thanks
    Emzilla
    The work thing on Sunday was a bit boring. We had a laugh in the pub afterwards though. We got 46 points on the quiz. The second place team got 50 and the winners got 55, so I felt we did quite well.

    I've paid another £5 back to my sister's Amazon account from Swagbucks. Also, thanks to a 650 point survey this morning, I'm only just over 200 away from getting a £10 voucher.

    Going to try and blitz the surveys for the rest of the month and get as much money towards Christmas as I can.

    Emz xx
    £10 a day in December - £11.76/£310
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