New plan for 2009

ehallett

beanielou wrote: »

TBH if I was you I wouldent include the DLA either.
It is for your additional needs for your disability.
Ive been a bad beanie & ordered that breast care bag from Avon.
what did you think of BGT result then?

If I don't include the DLA though then I would literally be left with about £100 to pay back my debts. I see it that my additional needs are plenty of food to keep my weight up and obviously my prescriptions that are in my budget anyway so I think I will leave the DLA in my income. This is only the care part that I receive by the way, I haven't included the mobility as it goes straight to Motability anyway.

I'm so sorry I didn't get back to you about the Avon bag, it is really nice. I got my mum one before anyone else through being a Rep and her friends and my Auntie were asking where they could get one.

I was pleased about the BGT result. I thought Diversity were really good. I'm glad that Susan Boyle didn't win as I thought it was a bit unfair that she was getting so much press and she has a career now anyway. I was routing for Aidan the little dancer though, he was adorable.

ehallett

Morning everyone

I'm off to my mum's in a bit for dinner and free food all afternoon .

I stayed up until about 2am this morning sorting out my budget and working out offers for my creditors. It's half of what I am paying to them now. Still, they will have to like it or lump it I guess.

I will start doing the letters tonight and try to send them out from work for free :cool:.

Will post again later.

Have a good day

Emily x

ehallett

Hi everyone

Just typing this during my lunch hour. I'm so glad I've only got 2 days at work this week and then only 2 days next week too :j.

I have done all my letters to creditors and have cancelled my DMP with CCCS. I've only got £390 left a month to pay my creditors but at least I know that I will be able to pay all my bills and pay this just based on my wages and DLA. I'm going to have to buy some stamps and send them off tonight.

Had a nice surprise in the post, had to collect a parcel from the post office and it was a Dance Anthems goody bag that I have won. There's a CD that I can sell on Ebay and some hideous bright pink leg warmers, an illuminous yellow t-shirt and a glow stick. I won't be wearing them, will probably stick it in my car boot stuff.

I'm going to do some shopping tonight, trying to only spend £20 a week. I need some frozen stuff more than anything as my mum is away next week so I will have to feed myself . Will be looking for all the cheap Birdseye stuff for £1 .

My Barclaycard is below £300 for the first time in ages :T. I would love to get it clear by the end of the month but not sure if I can manage it. Would have to pay around £10 a day off it. Think I have more important bills to pay first but will continue to PAD the Barclaycard.

Better get back to work.

Emily x

benbenandme

Well done on the win Emily, have you checked out the luminous stuff on ebay too? I know loads of the kids at our school were wearing it to the disco a few weeks ago :eek:

beanielou

Great start

ehallett

Just come back from shopping and spent just over £20, but got loads of frozen for that, 12 stamps (for my DMP letters) and some other essentials.

I am trying to save up my Amazon vouchers from Dooyoo and Bingoport for my sister's birthday present. She really wants a camcorder and there is one on Amazon for £163.77 which includes an SD card and USB SD card reader. Her birthday is in September so plenty of time to get this. Have already got £10 towards it .

I've got a couple of TMF offers I need to get sent off to get a refund and I've got to sort out my TV licence so will be doing that tonight. Going to try and do 5 reviews on Dooyoo also.

Tomorrow night I am dedicating to AQAing. My aim with AQA for this month is to get around £850 so that I can pay off my council tax in one go. They haven't demanded it all yet but I know it's only a matter of time so I want to be prepared for when they do.

Emily x

ehallett

Hi everyone

Trust me to get ill on my time off from work!! I've got a stinking cold and haven't really felt like doing much as I'm not getting much sleep due to coughing .

I haven't heard anything yet from my letters to creditors. Lloyds TSB are hounding me on the phone but I am ignoring them, they can talk to me through letters. However, they have always constantly been ringing anyway, even when I was with CCCS so that's not bothering me too much.

My Barclaycard is down to £250 :j. I'm stopping the £10 a day payments for the rest of the month. My aim is to get it down to £200 by the end of June.

I've got 3 boxes full of carboot items thanks to a couple of lovely people on Freecycle and a massive rummage around my house. I'm hoping to do this by the end of the month for my 'Free My Jewellery Fund'.

Will post more at the weekend as I need to try and get some sleep.

Emily x

ragstoricheswannabe

Hope you feel better soon hun.

Just caught up with your thread, sending big hugs but also a big well done on getting back to it. You are sounding a lot more positive.

And yay for getting your barclaycard down to £250!!!!:j:j

I never thought of looking on freecycle for car boot stuff, what a great idea!!!!!!!!

How is your hot pink car doing??

ehallett

ragstoricheswannabe wrote: »

Hope you feel better soon hun.

Just caught up with your thread, sending big hugs but also a big well done on getting back to it. You are sounding a lot more positive.

And yay for getting your barclaycard down to £250!!!!:j:j

I never thought of looking on freecycle for car boot stuff, what a great idea!!!!!!!!

How is your hot pink car doing??

Thank you :A

My car is great, I still need to put a picture on here and will get round to it before I go back to work on Thursday.

Freecycle is great for carboot stuff, however you need to make sure they are advertising it as 'suitable for a carboot' or ask the person if it's ok to sell it on. Most people are fine with this and just want rid of the stuff anyway.

Emily x

ehallett

Managed to get to sleep at 2.30am in the end. Woke up again coughing at around 8am so a bit more sleep than previous nights. Still sat in bed in my PJs though!! My ex is coming over in a bit and is treating me to a pizza .

Unfortunately I'm going to have to spend some money today on a new duvet. My one is too thick and I don't think it's helping me at night as the hotter I am, the more I cough. Hopefully won't have to spend too much. Need some cheap pillowcases too.

Still no letters from creditors and even Lloyds TSB haven't called me for a couple of days . Could be the calm before the storm though.

I'm going to clear £2 a day off my Barclaycard and will therefore get it down to £200 by the end of June.

See you all later x