Bau's journey to a debt free life!

bauctu

boredofbeingathome wrote: »

Colds will get you like that. At least it is good news about your wages. Plenty of paracetamol, honey and lemon juice in water, hot water bottle..comfy pyjamas and a good DVD. Always sorts me out!:D In fact may just do that anyway:rotfl:

I've been snuggled up in my pyjamas and dressing gown since I got home from work and have had plenty of fresh orange juice, I hate honey so that's not an option. I'd put a dvd on but it would involve moving... Am going to try and get an early night but I'm in one of my not getting to sleep phases. :rolleyes:

Had some of my delicious meditaranean lettuce for tea and tomatoes, delicious.

boredofbeingathome

At least you have your tastebuds...am watching Stardust at moment..great film that.

bauctu

boredofbeingathome wrote: »

At least you have your tastebuds...am watching Stardust at moment..great film that.

I kept meaning to go and see that at the cinema but never got there, I'm always doing that, there's a massive list of films I meant to go and see...

boredofbeingathome

Its cheaper on DVD. i very rarely go to cinema if i can rent it for nowt. Or buy it cheaply.

bauctu

I didn't achieve much from my list, I felt too ill to do anything. Still feel rubbish but must get things done. I made my payment to CCCS and have sent the DD form off so that should be sorted. :T Paid off the creditor I missed out, only after another warning letter though.


On to the superdooper good news of the day, MBNA have agreed to the reduced payment with no interest and no charges. :j To be reviewed in 12 months. 1 down 6 to go.

bauctu

bauctu wrote: »

This weeks tasks:

1. I need to make my first payment to CCCS by September 1st but it has to be in cash. £465 in cash by next Monday and I don't get paid until Friday and I really didn't want to have to leave it until the 1st but I definitely cannot get to a post office on Saturday. I just have to nake sure I get there on Monday. Done, queued 30 mins in the PO though. :eek:
2. Send my DD form off to CCCS so I don't have to worry about task 1 any other month!!! Done
3. I should get most of my statements this week so will be able to complete the spreadsheet I started. I want to know exactly where I am up to with all the debts. Nope, haven't all come though.
4. Need to find out more about F&F offers, i.e. can I do it with just one creditor at a time? or do i have to wait until I can offer something to them all? I'm guessing the later. Putting on old for at least a year.
5. Must remember to pay off the creditor I forgot to include in the DMP, only £72 and will be able to afford it with all the OT I've done this month. Done.
6. Must remember to cancel creditexpert before they take any money - have 3 weeks left. it's really handy to keep looking at but I don't want to forget to do it - might give it one more week. Not done.
7. Send that useless phone back, it's been 3 weeks since it bust and I keep forgetting. Still not done.
8. Get ebaying! I've had a bag of stuff sat here for ages must get it on. Unless there is a cheap listing day coming up soon?! Nope
9. Venture out of my own diary and read and maybe even comment in other peoples! :eek: Erm must try harder.

10. Plant my christmas spuds that came today.
11. Get rid of this bloody cold. :rolleyes:
12. Stop spending money, feeling ill makes me naughty with money. I suppose I haven't been THAT bad...

boredofbeingathome

Excellent news about MBNA, they have had a bad reputation on the boards but seem lately to be realising that folk just are genuine and want to pay debt off..:T


sorry the cold is still lingering, horrible when that happens.:o

yeah to the spuds..does the neighbour suspect yet?:rotfl:

And no 12? Tut tut:rotfl: :rotfl:

Well it is all baby steps and everyone on here can relate to that one. Just think how much money you will save when you have loads of spuds for Christmas.:D

bauctu

boredofbeingathome wrote: »

Excellent news about MBNA, they have had a bad reputation on the boards but seem lately to be realising that folk just are genuine and want to pay debt off..:T


sorry the cold is still lingering, horrible when that happens.:o

yeah to the spuds..does the neighbour suspect yet?:rotfl:

And no 12? Tut tut:rotfl: :rotfl:

Well it is all baby steps and everyone on here can relate to that one. Just think how much money you will save when you have loads of spuds for Christmas.:D

It's such a relief to have them agree straightaway, am just hoping the rest follow suit.

I hate being poorly, I get all pathetic and whingey.

Bloody neighbour had the makings of a massive big shed delivered yesterday. :rolleyes:

Thinnking about it the only really bad things I bought where the trousers and nail polish, I could just about justify everything else.

Haven't achieved anything today, bad bad me.

boredofbeingathome

bauctu wrote: »

It's such a relief to have them agree straightaway, am just hoping the rest follow suit.

I hate being poorly, I get all pathetic and whingey.

Bloody neighbour had the makings of a massive big shed delivered yesterday. :rolleyes:

Thinnking about it the only really bad things I bought where the trousers and nail polish, I could just about justify everything else.

Haven't achieved anything today, bad bad me.

All i managed to achieve today was a couple of wash loads and tea. No debt busting so have to get my rear into gear:cool:

bauctu

I've achieved a big fat nothing today. so much i should be doing and so little energy, I come in from work and do absolutely nothing all night.

No phone calls in at least a week and hardly any letters. I'll feel much happier when I've got confirmation from everyone that they have accepted the DMP.

Saturday is going to be my getting things done day, no escuses!!