By any means!!

cady

Hi,

Im on this forum quite a lot and have found it and the people so helpful that im starting 2009 in a great way because of some good advise i now have some debts that have to go in 2009 they have been around too long and i need a kick to shift them so they will be gone by 31st Aug 2009 (hopefully sooner) so i will get rid of them by any means possible and no excuses or half attemptes this is it!!! i want 2009 to bring so much that this money being around is stopping things happening so here is what needs to go!!!

Egg card!! £727.78
OD !!! £600
Avon!! 58.44
Bank charges!! £62.00

i was getting worried that i couldnt pay them all off and i would not be able to get rid of them as we are on a tight budget already and i have so little money left after pay day anyway they would take forever to get rid of but after reading some posts ect i have thought i can do this and i will so today i have:

*recycled an old mobile with envirophone 24p lol but £4.50 off quidco
*wrote a letter to egg as i received one saying they had been fined for misselling ppi so gonna try to claim that back.

Im also going to try and claim CC charges back from egg and bank charges off Halifax too in total i need to clear £1448.22 so here is to 2009 and getting rid of the red :j

Off to change my siggy now lol

millionaire_in_training

Good luck then. I hope you manage it nice and quick

Piquant_2

Good luck Cady - you can do it!!

cady

Thanks i really am going to give it my all this year as have had this debt for a while and its not going to go away on its own (i wish lol) and i really just try my very best to do this clear it in time!!! i will keep you posted im off looking round the house as im at the bank tomorrow so ive got a CHQ to cash off BT for 1p lol but hey its my penny and i will cash it haha

Deep_In_Debt

Yep, Good luck. You will do it. Keep posting on here to keep yourself motivated.

cady

Thanks Deep In Debt it feels good to at least know where im heading even if it doesnt look pretty so far!! made my list of to do stuff tomorrow so will see how i get on with that then work in the afternoon so that shall keep me busy indeed!

Cady

cady

Good morning

well today im doing all my bits that need done and im making a great start!

* [strike]Ring egg[/strike]
* [strike]Go to bank[/strike]
* [strike]Order phone to sell on ebay[/strike]
* [strike]Return gift to shop[/strike]
* [strike]Set up standing order[/strike]
* [STRIKE]Get gift for baby[/STRIKE]
* [strike]Ring Play[/strike] done but no joy emailing them now

Made min payment to Egg today of £7.41 and toing to try and make another small payment to Avon was going to try and ring play.com as its there fault i have the bank charges on my account as they took a payment for a CD off my card before they should have, ive sent them an email but havnt heard anything back hmmmm i shall give it a go as its worth a try at least. Well going to get ready to go into town and do the rest of my list.

Cady

cady

Hiya well back from town and i returned the presents only got gift card for asda and M&S with a few quid on but hey its worth it, got the baby a card cant find a good gift yet. I did get 10 birthday cards for £1 tho which is good and there nice ones too so they have been put in the cubard with the other cards also made and appointement with the bank to switch our home insurance so that should save us some money too (and we get £50) which will come in handy too .... well im off now to make my to do list for tomorrow and see what else i can do to help get me out of this mess and make a few quid too!!

pigsback had nothing on, pureprofile had nothing for me either BOO!!! have logged back into my ebay account so im going to hunt out stuff i can sell hopefully by the end of the month i will have cleared one of my debts woo hoo!!!

Later .... cady x

cady

Hiya and good morning!!

Today so far ive made my PAD only £1.23 i now have some printer paper so im gonna print off my letters and get them posted to egg and hopefully get my PPI back off them YEY!! :T ive still got some stuff to do got my list to finish off yesterday i dont feel as positive as i did yesterday but i suppose its just different days maybe tomorrow will be better .... i asked about some overtime at work yesterday so maybe there will be a day or two i can grab a few extra hours !!

Just ploddign along....

Cady x

cady

Well ive not been doing very well i have spent some money i really didnt need to and havnt done my PAD!!!! God i need to get better at this!!! i have however listed my phone on ebay and spoke to the bank about the home insurance too so ive done some stuff really but not as much as id like really!!!! need to look for some more stuff to ebay i got a letter off my bank today saying they want a payment for my unotharised OD of £63 im not sure what to say to them as i better ring them rather than leave it but i dont have the cash to pay it yet... i did ring play to see if i could get the money refunded but they wont help just told me to email my complaint to the customer care team who havnt got back to me!!!! i might ring them again as i have a reference number and see if they will do anything ..... well im trying i do slip up but i need to be better i went in asda twice and spend just under £10 on crap and dinners for work which annoyed me as if id been better organised so this weekend im going to make my lunch for work in advance and get properly organised as im just frittering money away at this rate!!!

Good night to anyone reading this ... tomorrow i WILL do better!!!

Cady x

cady

Well today so far so good:

* [strike]Changed the home insurance[/strike] less money and £50 cash
* [strike]Rang Halifax about OD[/strike] :mad: there no help!!
* [strike]print off egg letter[/strike] no need ive rang them and there going to contact me apparently
* [STRIKE]parcle up ebay item ready[/STRIKE]
* [strike]Ring egg[/strike]
*[strike]check survays[/strike] Nothing
*[strike]clicks[/strike] and nothing!!!
*[strike]make PAD[/strike]
*[strike]put some silver in my sealed jar[/strike]

I need to get on top of things i have checked my bank and have very little to see me through the end of the month but i will not let it stop me im gonna try and keep going there is loads of stuff i could spend on a cc for ... Presents - clothes ect but i wont as its not going to help and its not going to make me feel better at all..... well im going to get some food and get the rest of my list done!!!