Only Dull Girls Write Diaries...Myth Broken!

Rainy_2

I'm arming myself with camera tonight and photographing anything that isn't nailed down for Ebay! I have slowed up slightly because I've run out of items with pics now but I am officially kicking myself up the bum now!

I'll be very annoyed if I don't hit my November ebay target!

savingholmes

Go for it! I will eagerly await your progress! Off out now for a bit!

Rainy_2

Hmm, managed 11 items listed on Ebay, not bad but I'm really fired up now so this weekend is going to be Ebay-tastic!

After M&S being nosey and wanting very specific details of my SOA, they have responded unbeleivably quickly (!) and accepted my lowly pro-rata offer (£6.05 :eek:) for 12 months and have put it to 0% interest :T A mini result which bides me a little time over Christmas to increase the debt pot all ways that I can. They were the first on my list for snowballing (at around £400 per month estimated on extra Ebay income, trickling out from the debt pot etc) but being as they are now not charging interest I can move them to the back of the queue and concentrate on the nastier ones :j

Rainy_2

'Blown' my planned NSD today on a 50p cake for Children In Need but I have money coming my way from OH as it's his first payday and he is repaying the bits he's had to borrow from me over the past couple of weeks

Ooh, just thought, I made my Wescot payments last night and I think that tips me over the edge of another coloured square :T Off to check!

savingholmes

Glad you had some good news - I'm all for things that take the pressure off

madabout

That's brilliant to hear. You know following your thread has really motivated me and I used the coloured squares idea with a friend of mine who's struggling with her Uni work! I'm off to write my own version of a diary too so thank you!:beer:

keza

Hey rainy! just popping by to see how the debt busting is going!

Im loving the coloured squares idea! i get so excited about colouring in another square haha!

Im on track for my targets at moment! but december is an expensive month so we will see! xx

Rainy_2

:hello:

Not been around much the past few days - have had a few hiccups with OH. We actually split up over the weekend but we're in currently in reconciling talks!

We had a big arguement on Saturday which has actually done more good than harm really. I was almost waiting for a row to get things of my chest about things I'm unhappy about in our relationship (as I tend to avoid all other awkward conversations ) and he was too. I'm not sure about reconciliation if I'm completely honest but I'm trying to give it a bit of time and effort.

So that means that my debt busting and Ebaying have fallen into second place BUT with the looming goodness of PAYDAY tomorrow, I've been adjusting spreadsheets accordingly :j

Had a payrise of 0.5% which is very different to evryone's 5% last year but I'm happy to see any increase, no matter how small

OH (for the time being ) has been unable to pay me the money he owes me for rent etc as someone has accessed his Paypal account and run riot with it, withdrawing all of his money from his current account :eek::eek: Luckily Paypal appear to have noticed that it is a third party who has accessed it but it will still take them 10 working days to investigate, then however much longer it takes for a refund. There's always something :rolleyes:

I'm going to update my newest offers which I am now paying to my creditors as most (except Barclaycard for one :rolleyes:) have played quite fair and agreed to my lower monthly payments for 6-12 months, which is great news. Most have also agreed to stop interest which is fantastic too.

Rainy_2

The pretty colours are back...:D

Just updating my list, I'm hoping for more green than red!

1 Lloyds TSB Personal Loan £7878 -Accepted F&F Settlement of £1958 FIRST ONE PAID AND CLEARED!! :j
2 Alliance and Leicester PL £7465 - New offer of £15.82 No confirmation of acceptance yet, still being charged interest
3 The AA PL £7600 - Passed over to Blair, Oliver and Scott. Accepted £15.69 offer for 6 months and stopped interest (ends 04/10)
4 M&S CC £3047 - Accepted £6.05 offer for 12 months and stopped interest (ends 11/10)
5 Haliax CC £3200 - Passed over to Blair, Oliver and Scott. New offer of £6.36 No confirmation of acceptance yet, still being charged interest
6 Lloyds TSB CC £2920 - Passed to BLS (finally!). Accepted £5.80 offer for 6 months and stopped interest (ends 04/10)
7 Barclaycard CC £2200 - Still being passed around the DCA's, latest one being Calders. New offer of £4.37 no confirmation of acceptance and still being charged interest
8 Sainsbury's CC £1900 - Accepted £3.77 offer for 3 months and stopped interest (ends 01/10)
9 Lloyds TSB Business Overdraft £10,350 - Handed over to Wescot. New offer of £20.56, no interest being charged No confirmation of acceptance yet
10 Trade Supplier 1 £6280 - Still token £1 monthly payments for 6 months, no interest being paid (ends 02/10)
11 Trade Supplier 2 £6260 - No response at all to any of my correspondence or paymant offers as yet.
12 Trade Supplier 3 £2520 - No response at all to any of my correspondence or paymant offers as yet.
13 Business Rates (liable on now-empty business property) £1390 - PAID AND CLEARED!! :j
14 Rent (liable on now-empty business property til 23/06/09) approx. £9,000 - Received no further communications from them, no invoice sent as yet, no response to my pro-active offer of payment


Er, I think that's it :rolleyes::o

Very pleased that most have stopped interest and accepted my very low monthly payments. I'm continuing to throw whatever I can into the DEBT POT in the hope that I can negotiate some F&F's in a few months time.

keza

Hiya Rainy! well done on the F&F and the interest being stopped on some of them payments! :T

every little helps! baby steps lead to huge leaps and bounds!

what was you business in if u dont mind me asking! just ebing nosey lol xxx