One day at a time......

newlifeahead

It would be very rewarding if I found that amount each time I did the house work.:)

Thought I would come back with a quick update. For some reason the bad day turned into a week. Took the day off work on Tuesday to get my car serviced at the garage. Whilst on my way there to pick it up had a call from them saying they made a mistake. They thought it was in for an mot and started that instead. So no service done on my car as they left it too late. Have to take it in on Saturday morning instead so have to rope my dad in to take me there as I need to be in work by 9am:eek:.

Many more things have happend but I have decided that they is no point being mad at everything. It doesn't solve the problem.

Had a boost today. went to my weigh in and I have lost 3lbs. :j That was a bonus as I felt I was eating too much because of the problems I have been having.

This has given me the boost I needed now. Just need to get through the day. Finsihing work in 20 mins.;)

DS1 is going away for the week with school. Going to miss him loads but also looking forward to the piece and quite. No fighting in my house that week. I have booked a couple of days off work so I can pick ds2 up from school instead of him going to the out of school club (sore suppject:mad:.) It will just be the two of us and I will give him all of my attention.:p

Is it bad that I am looking forward to next week? I love ds1 to bits, I really do:A.

Right money-saving or debt busting.

Nothing:rotfl::rotfl::rotfl::rotfl:

newlifeahead

Confession time.

I cheated in doing my ds2 Easter bonnet for school. I have had no time to make one. I am currently working 6 days a week. I have not one creative bone in my body. I tried to do one last year and it was just awful. I was sooo embarrased.

This year I have cheated. I bought one off ebay.:D.

I love it. Bought some little chickens to go on it. Will get ds2 to glue them on later so he can say that he helped to make it.;)

Is it frowned upon to buy the Easter hats?

I hope no one asked how I made it.

newlifeahead

On my goodness. I have to come back to the DFW board.

I haven't been on here for ages. Being on the other boards and I have not tried very hard to get rid of this debt.

I decided yesterday that I needed to get back on the horse. I kind of sorted out a plan and was really looking forward to it. This morning I was really positive about the whole thing and then...
I received a letter from Intrum justitia. They have now said that my balance has increased by £925.55 to £2111.89.

I was so socked and upset about this. I can't understand it at all.
I had to dig out all of my paper work from way back. I was going to shred it all about a month ago, so glad I didn't.

I had to ring so many people to find out where this new balance came from. I know that they refunded my interest charges twice which the lady confimed but I also had £300 refunded for other charges. It looks like they didn't apply this to my account.

I have aksed for a list of transactions back from August 2006 and I still have a copy of the letter they sent me to refund the £300. I was really upset earlier but I can't do anything about it right now. I will get this sorted.

With this happening it will put me back a few months. It has made me even more determined to get this debt cleared fast so this doesn't happen again. This has given me the kick I needed.

I will end this rant now and make another post.

newlifeahead

Before my lovley letter this morning my plan was to get rid of the last £18000 of my debt in 36 months. With the extra (if I do owe it) it will take me a couple more months.

I also dealing with the purchase of buying the lease on my house. I thought this was going to cost a great deal as I kept hearing about the marriage value thing, but it should cost me more than £6000. This is still alot which I don't have but my parents will loan me half and I will have to raise the rest by October.

Once I can get this out of the way I can then get the debt cleared.

I no longer have my 2nd job, I had to leave as I was working 6 days a week and had no time with the kids. Having the money was good but home life was getting really bad so I decided it just wasn't worth it while the kids are young. (real shame as I miss the extra money.)

I will have to look at where I can save money now and for the next year at least without cracking up.

As soon as the debt is getting reduced a little bit, something crazy has to happen. I just can't get my debt under £15000, I keep getting stuck between £18k and £19k.

Oh well, it must happen someday.

Just need to get a few things done now, then I will be back to read some diaries. Seeing how well everyone else is doing should do the trick.

Never give up;)

newlifeahead

Note to self.

It is pay day tomorrow so I have transferred what is left in my current account to my savings account. Not sure how I manged to have so much money left this month thought I had spent a lot more over the last few weeks.
So transferred £710 today and have left £158.69 for today. If I spend nothing then that will transfer that tonight.

I have been doing a lot of thinking the last few days and wanted to save £405 per a month to help clear the debt. I maybe one month ahead of my self now. I wish this could happen every month but there is no chance of that.

Anyway going to Alton Towers today with the kids and boyfriend (omg did I just say boyfriend... long story.) It was his idea so I hope he knows he has to spend money.

I have no pockets in my leggings or t-shirt.. wink...wink

(please don't rain, please don't rain, please don't rain..)

newlifeahead

Morning all.
Woke up early this morning hoping to start work at 7:30 today.

Had a good day out yesterday. No rain and also only spent £7. I lent someone £60 the other week and I wasn't sure if I would get it back, but I was paid back yesterday.

I worked for my mum on Saturday. I normally work for free but got paid £22.

I got in late yesterday and manged to transfer £158.69 from my current account to my savings account.
Wages has been paid in and I have had a pay increase it will not be much of an increase but this payment has been backdated to January this year. Have received an extra £218.03. This will be used to pay my car tax which I will need to get today when I have finished work.

I need to get a list on here of payments due between now and the end of the year just so I can budget for it. A few of my direct debits are also due to stop which will help a lot.

Need to book an appointment at the dentist. I may need a filling. This will be my first one. Sods law, I will have to pay for it. Due to my pay increase of about £28 per a month I will no longer get free dental cost. I have never needed any work done before so a bit nervous about what happends.

Anyway must finish getting ready for work. Luckly, work from home but need to have a bath and get dressed.

Have a good day all.