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

too_much_debt

PS. I think I am getting about £23 from Moneybackmadness as I had £30.03 but only £15.56 was confirmed but today when I logged on it says £6.79 so that will be great and will pay that off A&L when it gets to my bank account.

I'm not great at doing the free daily moneyback but must make an effort to do one or two every day.

TTFN

too_much_debt

Had an e-mail from Moneybackmadness saying I am getting a payment this month of £25.24, so am pleased with that. They also give you a £2 reload bonus which is excellent.

too_much_debt

Am gutted today, am £73.40 overdrawn, stupid Prudential missed the Direct Debit on the 1st and it's come out today making me overdrawn. Last week was the first time in about 15 years that I was overdrawn and now I'm overdrawn again. I only have £76 from Paypal going in hopefully tomorrow and that is it until about 16th when I get the tax credits which is only £46 and I also have the £25 from Moneybackmadness, was going to pay that off a credit card but now it will go straight off the overdraft.

The only thing I have to sell that is worth anything is my car but OH doesn't want me to get rid of it. The tax runs out at the end of this month and I am NOT renewing it, yes it's good to have a car but I'll just have to walk to the school (20 mins).

Going to try and get stuck into something as I'm feeling really depressed today plus I have a cc bill for 56.27 that needs paying.

Life sucks!!!!!!!!!!

Lemon_Tree

sorry to hear you've been hit by a wet kipper! I've been letting everything get me down at the moment so i'm trying to find ways to make me smile about the !!!!!! that is being thrown at me (and others) at the moment hence the comment - hope it didn't offend
You probably already do this but do you have a list of the DD's which are coming out of your account and when? that way you may not be surprised again when something comes out on a different day.

too_much_debt

Thanks Lemon Tree

I only have a couple of direct debits as my OH pays everything else.

Have put 13p in sealed pot (well kids did 3 coins each).

Just getting things onto Turbolister, so far have 29 comics and am doing a baby dress. Got lots of things finishing tonight but no bids on anything so if I do sell any of them they will probably only go for 99p.

too_much_debt

Listed 30 items tonight. Had 20 finish tonight and only sold one for 99p.

God Ebay is so slowwwwww

too_much_debt

My Paypal money has gone in so am now only £3.40 overdrawn, have no more money going in which is a real pain as when I do get enough in my Paypal account it will take 5 days to clear (longer as it would be after the weekend). I've had to reorder my Nationwide credit card as it is the only card I don't have much money on and I will need to withdraw some cash to cover credit card bills that come in.

I can see things are going to get much worse before they get better and I just don't know what to do.

POSITIVE_AND_FOCUSED

too_much_debt wrote: »

My Paypal money has gone in so am now only £3.40 overdrawn, have no more money going in which is a real pain as when I do get enough in my Paypal account it will take 5 days to clear (longer as it would be after the weekend). I've had to reorder my Nationwide credit card as it is the only card I don't have much money on and I will need to withdraw some cash to cover credit card bills that come in.

I can see things are going to get much worse before they get better and I just don't know what to do.

Hiya, hope you don't mind me saying something! You are bound to have dips in your journey to being a DFW! Whilst you clearly wd prefer not to use it, look at your Nationwide card as your buffer on this occasion. Focus your efforts on areas you can change, so that next month is better for you. Try and go with the flow and remain calm in yourself that you are doing your best and everything you poss can to make progress! You are doing so well from what I can see. This is just a blip. Facing up to the situation is half the battle. Take care

too_much_debt

Thanks for the reply Positive and Focused. You are right, I thought earlier today that I need to use my credit card so I phoned to get a new one which they said would take 3-10 days. Going to try and get more done on Ebay tomorrow and Thursday.

too_much_debt

Relisted 23 more items on Ebay today, haven't sold anything today, Ebay is so slow at the moment, the last two years my busiest month has been August so will be interesting to see how much I sell this August.