Hello! Newbie!

determinedtodothis

hey i'm back on line i've missed you guys! I've totally gone off track i'm still temping the last job i had finished and i've had to take a even lower paid job so the bare minimum is coming off at the moment but i have my internet back and i have my MSE... all will be well again

POA (plan of action)

1) get myself a perm job!
2) get back on the NSD train starting tomorrow
3) start saving again (yep spent it all)

had a dream i won the GMTV £25k..now wouldn't that be nice!

justruth

It's still coming down, even when you only pay a small amount. So long as it all moves in the right direction it's all good!

Verbatim

Sorry you're having trouble finding a permanent job. Are you still waitressing? Sounds like you got huge tips there so you must be good at it.

I hope you find your dream job soon but you're doing so well paying off so much despite all the difficulties you've had to overcome.

Good luck.

determinedtodothis

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I got a job!!!! got a call this morning!!

Nargleblast

Great news in these troubled times - hope it works out ok.

determinedtodothis

Thank you!

The only way is up!!!

LittleEmms

Congratulations!!!!!!!!

_party__party__party__party__party__party_

determinedtodothis

Thanks Little Emms! its a relief i can tell you

Paid another £51 today :-)

determinedtodothis

i'm fast approaching a year since i started paying off my debts and i have to say i have mixed feelings at the moment, i'm chuffed with how much i have managed to pay off with a little determination and support from you guys but also a little daunted but the fact I know i have another 5 years until my defaults are removed and i have an unblemished credit report again. i think i've become a bit slack with the debt busting, i know i'm not waitressing anymore but i need to re-assess my expenditure. so i'm going back to my weekly action list to keep me on track:

this week i need to:

• Call the inland revenue to find out about my tax refund :-)done - they have now decided they are misisng a piece of info
• Cancel my electricity Direct Debit - they want £66 off me a month!:eek:
• Do a timed walk to my new job as when that starts i'll save £80 at least in petrol done - 20 minutes (there and back)
• Decide on a NSD challenge done 15 days this month
• Ring paragon and complain about the charges £40 for 2 phone calls chasing an amount i've paid! done - gotta call them tonight with dates on the letter for calls
• Ring Job centre about giving back the over payment they made me and refused to take back until i've received an official letter
• Cash Cheque recieved from BT
• Chase HR for a start date done 1 week! WOOHOO
• Plan meals for the week

determinedtodothis

hiya folks

Well i need to do a bit better on my NSD's as they have slipped but all in all i'm doing ok i have 19 days left in the month so i need to be strict!

I'm ringing the inland revenue today as I sent my P60 to them last week and I should be able to arrange my refund :j

The council has sent me a new bill for my council