My debt diary

littlepinkstars44

Jesthar wrote: »

Ouch - you'd best put your bus pass money aside now if you haven't already. If you have, and can hold off on the coffee, makeup and online shopping, you should be OK.

What was the charge for, incidentally? A bill?

If it makes you feel better, I bought my first new pair of glasses for about 6 years today - well, managed to get a 2 for 1 offer so I'm actually getting two pairs for my £200, which makes me feel slightly better! On top of that my friend I went with then encouraged me to do some much needed clothes shopping (first time in about four months, mind you, and it was only Primark!), AND insisted on buying me a load of make-up (yes, her money, not mine!). Something tells me she's trying to drag me kicking and screaming into making the most of myself, bless her...

One question, though - who on earth originally came up with the idea for the ridiculous things which are the eyelash curlers I now find myself owning a pair of? :rolleyes:

~Jes

thanks, yeah i have my bus fare for next week put aside, a well a fiver for posting stuff i sold on play.com, and a fiver for myelf.
I sold a hello kitty mini fridge on Ebay for £15 there (i love it sooo much aswell, but i need the money) think the buyer is coming to collect it on Sat and pay me cash, so yay me!

Aww thats really nice of your friend to do that, lol i have like 4 pairs of eyelash curlers, see if you heat them up a bit with a hairdrier before you use them, they work so much better!

littlepinkstars44

mum2one wrote: »

Your doing well with ur debts, just a thought i know ur at college and Morrisons p/time, but when I use to work 4 safeway (ok, Im showing my age), they use to have price changes on a sunday, and even thou I wasnt on admin dept, I use to work most sundays afta store closed. Donr know if Morrisons do owt like that.

have you done cashback sites such as Quidco, or mutual points, just spening 10 mins here, 10 mins there, the pennies soon add up.

Def get urself a notebook, give urself a week, and make sure you write down every penny u spend, x

Erm i'm not sure about that, i think the night shift staff deal with that. I get time and a half for doing Sundays, but haven't done one in like a month and a half though. Our hours have all been cut, so we're all just doing our contract hours just now (my contract is only 9hours) BUT one of our superviors leaves tomorrow on Maternity and another girl is off till Jan as shes going over to Pakistan to get married. So hopefully i will get some more hours over the next few weeks, though that won't help me with Christmas, as these will all go in my jan wage!

I use valued opinions and get boots vouchers, and have just signed up with one poll and doo yoo (have 10,000 point on doo yoo, and £6.40 on one poll sofar)

littlepinkstars44

i had £4.99 left in my bank, so used to to pay towards additions account today!
down to £165 n odds!

littlepinkstars44

Jesthar wrote: »

What was the charge for, incidentally? A bill?

i have no idea. prob for going over my overdraft limit, again!

littlepinkstars44

ok so wee update on the debts:

Dorothy Perkins card: £207.00 29.9%
Arcadia Staff card: £230.91 29.9%
New Look card: £48.24 28.9%
Bank Of Scotland o/d: £1137.98 0% (agreed reduced payment plan of £100 a month)

Carphone Warehouse arrears: £100.17
Additions: £165.86 39.7%
Kays: £213.00 0% (agreed reduced payment plan of £24 a month)

Simply Be: £28.00 no idea what apr is, just opened it oops :eek:

Total: £1965.30

I have £46 in my play.com account that i've made over the past two weeks, but can't transfer it to my bank account yet cause i changed my bank details. Still have another 50 listings on it though, so that will cover the New Look card and the Simply Be account!
And thats 2 debts gone! yay

littlepinkstars44

So this woman never appeared to pick up the mini fridge today, so i now nothing at all to get me through this next week, i was relyin on that money for bus fare for next Thursday!

On another note i have opened a savings account with rbs online, and also applied for their student credit card.
Said they will let me know within 7-10days
would be good cause the apr on it is onlt 18.9%, so i could pay off one of my store cards with it and save money on the intrest!

littlepinkstars44

i was freezing yesterday in college so had to go to new look and buy a scarf, hat and jumper with my new look card. used my 20% off voucher though, so was only £22

littlepinkstars44

now have £65 on play.com yay
i wonder if i can get it to £100 by the end of the week!

hardworking_bob

trying to pay off my debts but still spending on home improvements. I know that this does not make sense but very nearly there now...then finally try and clear my debts once xmas is out of the way...

Virgin CC £4278
Egg CC 2800
Capital one CC £650
Abbey CC £755

littlepinkstars44

i caved in and spent on the store cards last night!
bought jeans and a pair of shoes from DP
and leggings (not v practical in winter) from miss selfridge!
eek