Getting my life on track to a debt free future!

phillipsdj

Morning all!

I hope everyone is having a good day so far. I have a pretty cheap day lined up - I have to buy my lunch (laziness again! :rolleyes: ) but that should be my only expense.

However, I'm feeling pretty flush at the minute because the eBay and Quidco money hit my account at the same time this morning (£200 in total :j ) so I am considering buying the team some Easter eggs at lunch - there are only 6 of us in today and Tesco have got them for 99p each!

Have a lovely day everyone!

phillipsdj

Morning all!I'm not sure if anyone even reads my ramblings on here, but if you do, does anyone have any experience with credit reports?

Now that I have almost completely paid off my debts I would like to view my report - I know that you can get a free trial of Experian (plus earn 50p or so on Quidco!) and nowadays I am confident that I will get round to cancelling it at the end of the month, but I would like to know if anyone has found them useful?

In other news, my daily scratchies took me to just under £10 on one site and just under £20 on the other so I will withdraw them in a couple of days and move the money straight to my savings!

I am also struggling to find something to do a DooYoo review on! I have loads of books/cds/dvds etc and as it is someone's birthday at work I am surrounded by biscuits and cakes I could review but I am struggling to find the motivation to write a review on any of them!I guess I'm just having a very lazy day!

phillipsdj

Sorry for all the posts in quick succession!!!Does anyone know why the smileys etc don't work on this tread? I have no troubles with any other posts I submit - it is purely this thread which hates me!!!

Down below it says that HTML code is OFF, could that have something to do with it? Is it possible to turn it back on?

doodledo_2

Does it say smilies on?

Is it smilies from this site or other ones?

phillipsdj

Hi Doodledo, yep Smilies are on. It's only MSE smilies I want to use - the ones to the right of the message box - but none of them are 'clickable' if that makes sense!

ragstoricheswannabe

wow, have just had a quick catch up (cant spend all day every day on here anymore as back at work now) i cant believe you are nearly debt free (and very jealous) have you set up a payment scheme to pay the in laws back??
O.k spill how you managed to thrash your make a fiver a day............what did you do, i need some ideas!!!!!!!

beanielou

wow philip so pleased for you that everything has come together for you~you sould so positive & so happy
If you are on daily chat ZTD is the person to ask about your lack of smiles.
How did you do so well on your fiver a day?

phillipsdj

Hi guys, thanks for all the replies!

My £5 a day result was very possibly a one-off success! I had a number of items that I could sell on eBay + I had some Amazon vouchers from BP which I used to buy a copy of Mario Kart on the Wii and listed straight onto eBay.:rolleyes:

I was also lucky that one of my daily scratchies got to a redeemable level towards the end of the month which was a big help!:j

I only counted money which actually entered my account, so for example, I wrote a number of DooYoo reviews during February which earned some 'money' but as I've not withdrawn it yet I didn't include it.

BeanieLou - My smilies are working again now that I am home (or am I stating the obvious given the above :rolleyes: ), it's really odd, it seems to be only this thread and only when I am at work that the smileys are disabled! Maybe it's the Work Supreme Being telling me to do some!!!:rotfl:

If it happens again tomorrow I will definitely speak ZTD, thanks for the tip.

RagsToRiches - I have offered to set up a repayment scheme with the in-laws but they are (at the moment!) refusing to let me as they are planning to take the inheritance straight from OH's Uncle when, or should that be IF, he sells the house!

G'night all, sleep tight. I'm off to watch Dexter in about an hour!

bozzy120

Reading through your diary, despite your set backs, each post sounds more and more positive!! Well done on being very nearly debt free (I'm also incredibly jealous )

phillipsdj

Thanks Bozzy, to be honest the last few weeks have been an absolute whirlwind - there were times when it seemed like the switches from absolute despair to positivity and back again were happening almost every 10 minutes!

We do still have a lot of hard work ahead of us to stay debt free and also to sort out our housing situation but over the last 2 weeks or so life has been seeming more and more positive, and it feels as if we are finally achieving something!

I don't want to start a rumour that MSE debt diaries are magic but our upturn in fortunes definitely seems to have coincided with me FINALLY plucking up the courage to start posting on here!............:rotfl: