My magical debt diary!

postingalwaysposting

flying_fresian wrote: »

I don't think it's a matter of bearing to part with it, but needing to part with it.

Totally agree F_F, as I posted on your other thread littlemissstars ~

postingalwaysposting wrote: »

* You state on your diary you have nothing to sell yet to me it looks like you spend a hell of a lot on clothes and mac. Can you not sell what is second hand/new on ebay. Ok its not nice selling things that you brought/want, I know I sold my laptop a gift for completing some of my college course to get debt free. However what would you rather have a better quality of life (ie going on holiday/to gigs) or sitting in your room surrounded by 'stuff'. If you have purchased things from topshop they sell for a high price on ebay even second hand.

Flower08

To be honest i dont want to sound horrible but until you have a 'proper' LBM, theres only so much people can help.
You have been given lots of good advice but you continue spending. I have been there myself, said i wanted help but didnt stop spending and it got worse. When i had my LBM thats when everything changed.
You need to really want to change - at the moment you have a lot of excuses. Cut up your store cards - you dont need them! Sell your bags, clothes etc...

People here really do want to help you, but you need to want to get rid of the debt. You can do it now before it gets any worse.

Good luck

littlepinkstars44

ok, i have drafted a letter for the bank, how does this sound?

Since receiving your letter dated the 9th of October, I would like to state that I can only afford to pay £10 a month towards the account.
I am a full time student, and will not finish my university course until June 2011

If interest or other charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe you.
Should my circumstances improve I will contact you again.

I would be grateful if you would send a paying-in book to make it easier to pay you.

I would also like to take this time to say that I want all future contact with me to be made through letters, as i live in shared accommodation, and do not wish other people to know my personal busisness.

Thank you for your assistance. I look forward to hearing from you as soon as possible.

Flower08

Im not sure what you need to include in the letter to be honest, but you HAVE to stick to the repayment plan you make with them.
You really need to make some changes in order to get this debt under control.

I have followed your thread from day one and have tried to offer you advice, particularly over the last few days but you seem to ignore my posts. I really think until you have your LBM theres not much else we can say to help you.

I wish you luck.


ETA: reading back i realise that might sound harsh, just remember that when your ready people here really do want to help you and give you advice. We are all just speaking from past experience and dont want you to go through what we have been through!

littlepinkstars44

Ok so i have printed the letter and have it all ready to go tomorrow (recorded delivery)
Also printed off the application for a hardship fund for my uni, have filled it out the best i can just now, i need to go digging for my student loan letter and statements from the bank etc to photocopy them to go with that.

Apart from that today went all right, i had just over £20 in my purse left over from Friday night, so paid £12.50 for my bus pass for the week.
Then posted 2 Ebay items, cost about £4 odds
Bought a sausage roll and a bottle of water from Greggs
And bought 2 books from poundland for my brother and stepdad as part of their christmas pressies.

littlepinkstars44

Need to make minimum payments to the store cards today, so they are in my purse.

littlepinkstars44

Paid £10 each to all three store cards today, posted letter to the bank (recorded delivery) And had a lecture 10-11 this morning.

My besties day off work today, and not properly seen her in ages (ok we were out on fri, but there was other people there i really dont like)
So we're going for something to eat later, going to have a look around on here first to see if there is any vouchers for anywhere near here for us

I have £100 left to last me till the 6th
Got my phone bill in for my old phone today, i forgot that contract isn't up yet! So thats another £30 to be paid

littlepinkstars44

Have been staying at my friends and my dads for the week. so not spend anything really
Stil have £100 in the bank to last me till the 6th.
Gotta pay £30 to hire a gown for my graduation in Nov though

Flower08

Thought i'd pop in and see how your getting on....

zigmeister

I'm gonna assume that you're having a bit of a blip - because you're not posting on your thread, but I keep seeing your posts on shopping threads on the Grabbit board!

Don't give up... keep posting on this thread and get back on track