Hello! Newbie!

justruth

So where did the leap in debt repayment come from?

determinedtodothis

:-) well it would see the car company can't find the CCA so i took advice and i've been told not to pay until they find it, i'm still putting a little bit away a month just in case but i'm not going to stress about it - the other debts are more important.

i've paid another £51.00 today :-) and i'm planning to shave off a few pound from other places, like the shopping bill, and my insurances and throwing them towards the debts

Verbatim

Crikey, you've got the bit between your teeth big time! Well done.

determinedtodothis

Thanks Vebatim!

I know i'm not 100% shot of the car loan i wont relax til it drops off my credit report and they wont do that just yet but hitting my anniversary has definatley made me more focused!

I'm earning less than I was a year ago but I have more savvy - i've even started my christmas shopping! with a proper budget and a spreadsheet where i enter everything i've bought for each person and it tells me how much budget I have left to spend! hows that for determined!!! I've spent the weekend going through the christmas threads and I have decided i'm going to do a few hampers for the kids i buy for and the girls, I've ordered my cellophane cones from ebay for snowman soup and i'm off to the 99p store this weekend to get the mini marshmellows and I think i might get lots of sweets in there they do bigs packs. i've also checked out ebay for lush smellies for the girls.

determinedtodothis

Well had a proactive day! and i'm feeling quite positive (i've been a bit down lately but reminding myself of how far I have come has helped alot)

I have just been to Mr T and they had a special offer on hot chocolate sachets, so i bought 12 for £2 and the cellophane cones came today so all i need is mini marshmellows, chocolate drops & a candy cane i'm done for my snowman soup gifts and they shouldn't cost more than £2 to make. which i'm going to give to work friends and to the children I buy for as an extra pressie :T

I have also found out that I maybe getting a pay rise next month :j not a lot extra but everything helps! Things are certainly looking up! it works out that I should be able to throw at least another £50 a month at my debts if i budget right.:money:

Other than that not a lot to report my NSD target is still do-able, i'm aiming to pay another £51 off my debts over the next two weeks and i've re-lauched my career as a reviewer on dooyoo - I have about 29000 more points to £50 which i think is about 6 reveiws so i think i'd be silly not to.

Plus i've just logged into my free scrathcard sites and found £20 in them which I had forgotten about - i'm going to be better at doing these every day - even if I only earn 20p a day from both sites thats £33ish between now and the weekend before xmas plus the £20 I forgot about and thats £50 at least towards xmas going out or presents

determinedtodothis

Absolutely skint today but i've still managed to get some xmas pressies!! *LOL*:j basically i'm doing hampers for my friends and i've been on the freebie "no spend board" and i've ordered loads of samples for perfume, nivea, dove, simple and max factor to go in with all the bits i've already got just to pad it out a bit - oh and i even got a mascara full size sample from Rimmel for me - :money::money::money::money:

justruth

You're doing well, good to see even if a little intimidating that you already have Christmas so well planned!

determinedtodothis

Thanks justruth bit of a downer today - £70 worth of bank charges :-(

Verbatim

determinedtodothis wrote: »

Thanks justruth bit of a downer today - £70 worth of bank charges :-(

Ohh Bu*mer

had you forgotten a cheque coming out? Are you going to ring them to ask them to refund?

determinedtodothis

It was ebay! I might write to them no harm aye.

I've got to be more disciplined, i write a budget but i never seem to stick to it 100%

I might go back to writing my expenditures down again i did better that way.

I did the snowball thing on line last night - and that reckons I could be debt free in 2014 doing it that way, but i based that on the basic payments the cards have all accepted on my DMP and you can't be seen to be favouring one above the others, but i was wondering whether i could still do it but put the money in an account and when i have enough paid the smaller card off out-right do that and then start saving for the next one and split the DMP money by 2, or do you think the other creditors will still not like it?? it would mean they would get their money alot quicker?