My Debt Free Diary/Journey Starting 21/06/09

too_much_debt

Hi Lemon Tree

Thanks for the reply. Good luck at not using your credit card this month. We did a Car Boot Sale a couple of months ago but I was quite disappointed, people want stuff for nothing and offer silly prices, I find it a bit disheartening so tend to stick with Ebay.

I relisted a lot of Ebay stuff that finished yesterday and will try and do a few things for tonight.

too_much_debt

17p into the Sealed Pot today, it's OH's birthday tomorrow so have to go and buy cards and a couple of bits.

Didn't sell as much of my Ebay stuff last night as I hoped, I relisted 26 items from my private account and about 9 from my Business one, am rather disappointed but I did sell about 7 or 8 things so that was good.

Such a shame Ebay is really slow, will be interesting to see how August is as the last two years August has been my busiest month and have sold so much stuff.

Hopefully will have a few more coins to add to the sealed pot later on.

That is all for now I'm afraid, I'd love to be able to say I had paid a big chunk off what I owe but don't think that will happen for a long time, oh well, at least I am still able to make the minimum payments on my 7 credit cards.

TTFN

savingholmes

Well done TMD on at least not adding to your debt and clearing those minimum payments on such a tiny income is fab....

I need to give my sis some money for the bridesmaid dress she bought my DD - only problem is my MIL was supposed to give me the money and she hasn't!

tirlittan

I think you are doing fab as well TMD! It's hard work getting rid of debts with low income.

Lemon_Tree

don't worry so on only making the minimum repayments, in the short term this at least means you're not get defaults and if you're not adding to the debt at least it's slowly creeping downwards.

too_much_debt

Thanks Tirlitten and Lemon Tree.

I will be glad when tomorrow is over as it's OH birthday and I've had to buy cards from me and one from the kids, wrapping paper, got two bottles of red wine, a football (DD1 wanted to buy him one), DD2 wanted to buy him slippers but he doesn't wear them so got some socks instead, got a few other things, I did ask him what he wanted but he didn't tell me so he hasn't got much, I feel a bit bad but don't have much money to buy anything big, I'll have to owe him a bigger present later in the year as we have DD2's birthday on 20th July, then my brothers wedding in August, then my dad's birthday on 18 August (the day after we come back), need travel insurance too, will have to do a search via Moneybackmadness and see if I can get cash back.

Sent off 3 passport forms for the girls, only got 2 back today, not sure why they didn't send them all together, the guy who delivered them said that maybe it will come tomorrow as I said to him that I was waiting for 3.

Will check my purse a bit later and see if there are any coins to go in my sealed pot, I've given up saving the 20ps and £2 coins now and have been using them. OH has 6p on the shelf so might add that to my pot, it's funny as he normally keeps his loose change in his sock draw and every so often DD2 will come down to me in my office and produce some coins as she likes to put them in the pot, she did it a few times before I twigged that she was getting the money from his draw - LOL

TTFN

too_much_debt

Paid £8 off Nationwide minimum payment. Can't do any other payments as my Direct Debit still did not come out so have to leave that money there to cover that.

Off out for dinner later for OH's birthday so that will be nice.

Another hot day today, hopefully it will cool down a bit tomorrow, I don't like it too hot.

TMD

savingholmes

HI TMD - you are really doing well!

I haven't been able to do anything more debt wise other than daily scratchcards and bp... Still waiting to hear if I get JSA again and whether they will send me what they owe me too....

Really hot here too! Been picking raspberries! We also have ripe redcurrants and cherries!

tirlittan

savingholmes wrote: »

HI TMD - you are really doing well!

Agree with SH - and minimum payments are better than none!

Really hot here too! Been picking raspberries! We also have ripe redcurrants and cherries!

Ooh, fresh fruit. Lucky you.

so hot in our office, have the fan on, but it's drying my eyes.

too_much_debt

Not much debt busting going on this weekend. Have 2 credit card bills to pay am just waiting for my next lot of Paypal money to go in (think I should get my Tax Credits soon too).

Put some coins in my sealed pot earlier but forgot to count them so can't say how much it was, think it was about 14p I know there was a 10p there and a few coppers.

Been to my brothers today for my girls to try on their Flower Girl dresses for his wedding in 5 weeks time (OMG how quick has that come round). It's quite scary really.

Am going to really try and get some more done on Ebay the next few days, we had no internet connection from Friday at 4pm until today about 12pm but am back up and running now.

Hopefully can start on making some more payments each day as I've had to stop doing them recently as I've had some bills in.

Got a few things finishing on Ebay now but don't think I'll sell any as I didn't have any bids earlier, I haven't checked my account yet but I won't hold my breath.

That's all for today.

TMD