Cady's get out of debt diary

cady

well this is the last time ill be able to post for a while before the 14 hour shifts start!!!

Im trying to give myself a goal now things are moving on i want a challenge but dont wanna be unrealistic i was thinking by 1st Sept 09 i would have paid everything apart from the Halifax loan which is like £7500 which is 12 months to get rid of...

Avon - 98
Orange - 30
Natwest OD -500
HSBC loan - 1300
Natwest CC - 640
Egg CC - 700

Can it be done ..... of course it can!!! gonna work out the details and will post my plan for the year and this will be my goal its tight and there is a lot to pay hmmm here goes another plan YEY!!

cady

Yearly plan Sept 2008 - Sept 2009

Here is my plan for the year ahead ill add to it and grey out anything that has been done ill add stuff as there going on and ill plan for as far ahead as i can any comments are welcome

September 08
Pay off orange bill ERM not done
Start payment a day on avon Nope

October 08
Carry on payment a day and clear avon Nope again
* Pay orange off NOW
* Start paying avon

November 08
Start payment as day on egg card

December 08
Clear Natwest overdraft

January 09

Febuary 09

March 09

April 09

May 09

June 09

July 09

August 09

September 09

cady

well here goes LOADS of overtime .... ill chat when i can .... wish me luck!!

cady

Ive let it slip !!! the interenet went off and ive just been spending on my card without thinking of checking i havnt paid a bill and im now further in the hole..... i need to go and do damage control ..... i feel so dirty and STUPID how did i ruin it all when it was getting back on track so well.... ill catch up soon when ive checked what is going on xxx cady

cady

Ok here is whats gone on please done judge im so annoyed already!!!!

Ive been at work and have done 42 hours of overtime last month which is going to go on 31st Oct pay so that is good..... However during this month the laptop charger broke so i couldnt get online and ive done nothing but fritter money away until were skint!!!! i didnt pay avon so they are going to pass the debt on (god knows where!!! i need to call them) everything else got paid tho (just min payments NOT what i was going for. We too the cat to the vet and that went on the CC and £20 petrol had too go on aswell because ive fritterd all the bl**dy money awaon on sh*t !!!! Im so mad i dont seem to be able to get a grip of things again going to have to take some time and start again i cant belive how stupid ive been..... on a better note ive done a lot of xmas shopping and have a bit money aside fot the rest i just need to kick my bum in gear ive been away only a month and ive forgot everything ive learned and undone all my work i just hope i can fix this before its too late!!!!

please any words of wisdom here???

Glad to be back

Cady xxx

cady

Hiya pay day has been and apart from a slight hiccoup im all on track to paying everything and having some £££ for xmas too.

* Ive paid £20 to Avon so its now £80
* £10 off ornage so there is only £10 left (gonna scape this last £10 together once all has been paid)
* Put my London money aside and paid for my tickets too

Its only a little but the avon was almost at DCA and orange has been dragging on for months too so once these are gona i can tackle my CC and overdraft gonna haamer the OT again this month and use OT money to pay for xmas rather than creating more debt ....

Just need to keep ontop of it as ive been out of swing a little and have fallen back down!!

cady x

cady

Hiya!!!

i have some good news (sort of) ive spoke to the job centre and i may be entitled to DLA with my hearing imparement and i may also get WTC too this would be a big help ££££ and (keeping fingers crossed) my period is late so getting excited when i know i shouldnt!!!!!!!!!! after everything that happend in the summer im rather frightend but excited still eeekkkkk!!!!!!!!!!!

cady

Hiya booked all my xmas overtime so i should mke some good money the next couple of months!!!! still need to send my form off to see about my DLA and WTC but will do that when im off work on sunday ..... I paid orange off it was only £10 but i feel so great its gone and im re joining payment a day now to clear my avon as its at £80 and i want it GONE by xmas so here i go need to go some xmas shopping on line too so im making money on quidco too .... i still cant transfer it to a bank but i suppose thats a good thing for now so it doesnt get spent!!! ill update when i can!!

cady

having a bad day (sort of ) ive got hardley xmas money left £12 to be exact and i still have loads to buy!!! am starting to panic as i dont know where the money is coming from .... i REFUSE to put t on credit tho it is just not an option im working loads of overtime and hopefully that will cover it but ooh im stressed ... in jan im starting putting some money away each month for xmas as the stress of paying it out of one payday is too much!!! off to work out how much i need to pay for all this.