Clawing my way out of debt!

catspaw

I think a cold free shower is a step too far in MSE terms ( mind you I haven't investigated the OS board yet):D

Muppet features here has made a mistake with her banking- the case of looking but not actually see. I saw money in my online banking...all well and good...problem is thought it was something extra....nope it was an early payment....so spend it on debts:o now my budget is all out annd have to find the day to day livving stuff till next tuesday.

Which is fine as am not going any where between now and then but I can't believe I was sooooooo stupid:o

Lemon_Tree

we've all done it so stop hitting yourself about it.

catspaw

Went for a run instead, feel so much better:D. Decided to go into the bank to see if they would cancel the PPI on my loan (especially as they wouldn't let me claim on it)...my thinking is, why should I pay for something they won't let me claim on:p
we shall see what happens.

On the plus side my mother has just put £30 into my account

Claw_back_money

Good thinking on the PPI - hope they'll let you have it back without too much of a fight!

Best wishes for 2010 - wishing you lots of good running weather :j

Cheers
Cbm

catspaw

Made a daft mistake of running today in shorts:eek: not my usual running tights......so so sso cold....what a numpty!

The bank have decided it was best to make a complaint about the banks insurance procedure ( as I wasn't missold the PPI) so have to wait to see what happens now.

Happy New Year everyone, a few steps closer to being debt free:j

catspaw

1st Jan 2010 :j

PAD for me today is £2.50, not a lot but it will all build up.
Did some snowballing yesterday and much as I would like to be debt free by end of this year the figures scared me:eek: seems to clear the WF I will need to pay £800 a month:eek::eek: oh my god

well..........all I can do is try:rotfl:

Claw_back_money

Happy New Year!

The snowball thing sounds a bit scarey, must admit once I got used to the figures I found it really ace. Which debt are you tackling first?

Just a thought - are you *sure* you weren't missold the PPI? I think I've read lots on here about people claiming it back?

Cheers
Cbm

catspaw

mmm not *sure* I took it out to cover in case of redundancy...not much help was it:D


Think its the fact that you put in your min and it says .......go away you'll be debt free once you're dead......type of date:D but I can see how it would become addicted.

First is the Vancquis CC. I want to clear it by end of Jan. Soi will pay more off that one and £1 a time to the Cap1 CC: Then once the Vanc is clear that money goes to the Cap1

Then the Welcome finance> I can't overpay on the barclays loan but will once the WF is gone the extra will be put away till I can pay Barc off early.

As it's Jan 1st: this is my first NSD of the month;)

Claw_back_money

Have you read the PPI guide? Its on the site here, and may be helpful? Lots of people seem to refer to reclaiming PPI in their sigs so it might be worth a read.

You sound like you're well organised with paying off the debts - good luck.

Cheers
Cbm

catspaw

MMM thanks CBM, think I will take a look at it....every little helps.

Had a bit of a spend today, school stuff for both DD's and me and £2 in a charity shop for books 2 +3 of LOTR which I don't think is too bad.

Hope as tmw is Sunday it will be a NSD.
Have put all the bills into my account. I know it will cost me a lot more but at last they will be paid.

Have started stapeling my recipts into my spending diary in the hope it will scare me wittless ( did think of another word but the PC doesn't like it)
Signed up for various survay sites and entered lots of online comps.

Not sure what else I can do.....I will succeed...come hell or high water.