dottyanne's debt diary

dottyanne

Pobby wrote:

Hi dotty.Just got back from North Somerset.Glad to hear that the cc`s are coming down.Nice one!Any luck with the van?

Hey Pobby :beer: - thought id not seen ya around for last couple of days...no luck with the van as yet - i've relisted on ebay and that bloke seems interested but not if you know what i mean:rolleyes:

Hope you're ok............dotty xx

lynzpower

dottyanne wrote:

Hiya Lynz - do i have to send a tenner to each credit card company for details of each account? also, got a letter back from rbs about the £190 charges in 2 days and they wont refund me :mad:

I'm gonna have to try and allocate some time for these books - personal and business as im getting nowhere fast!

Shop doing ok - ebay not so great but its swings and roundabouts innit?

speak soon Lynz..

dotty xx

Yes, you do. However, what I didnt twig that the same banks hold some of the same accounts. eg lloydstsb / & Ltsb mastercard. Abbey & cahoot are the same. Check this out as your tenner can get you more than one set of statements if you know what I mean.

The problem I found was that I went to pay the moneyclaim thing to take Lloyds to court, and I dont think I can afford it as I was gonna put it on my 0% card until the money comes back to me, but Ive cut the devil up! So I have to order a new one to be delivered :rolleyes:

tell me about ebay, some weeks loads goes, some weeks nothing. Although I have got some clothes on there at the mo, and im hoping for some bites.

Get some time to do it, otherwise you'll go mad.

dottyanne

Hi all - just a quick update - nothing much to report other than that ive got to find about £350 by next wednesday to pay my mortgage!! I swear since ive been trying to save money i ve felt worse off and less control over my finances that pre-lightbulb life?? anyone else had this effext? if so how long does it last?? dotty xx

buddiebabe

Hi dottyanne

I think your doing great and you will get there.

Im in the same situation as you at the moment im finding that before i had my lightbulb moment i wasn't really that worried about my debts... silly i know but i always knew i owed the money and i paid what i owed. Since finding this website i've found that im constantly thinking about what i spend and whereas the bills were getting paid even if it was just the minimum amount i find im struggling more now im watching what im spending....

It sounds really silly doesn't it ?

I guess we just need to keep trying and plodding along and one day we will reach the point where we have money in our pockets... i live in hope ... 6 years 4 months to go .......... it seems like a lifetime away

Good luck and keep your chin up
Buddiebabe x

dottyanne

buddiebabe wrote:

Hi dottyanne

I think your doing great and you will get there.

Im in the same situation as you at the moment im finding that before i had my lightbulb moment i wasn't really that worried about my debts... silly i know but i always knew i owed the money and i paid what i owed. Since finding this website i've found that im constantly thinking about what i spend and whereas the bills were getting paid even if it was just the minimum amount i find im struggling more now im watching what im spending....

It sounds really silly doesn't it ?

I guess we just need to keep trying and plodding along and one day we will reach the point where we have money in our pockets... i live in hope ... 6 years 4 months to go .......... it seems like a lifetime away

Good luck and keep your chin up
Buddiebabe x

Hi Buddiebabe

Been trying to figure out where im going wrong as i seem really hard up since March when i had my lightbulb moment i have paid my mortgage late etc....never was this bad before - i really am struggling and thinking of packing it in at the moment as i seen to be getting nowhere fast??

dotty xx

lynzpower

the thing is dotty, is before, everythig went out but you were using the credit cards, loans whatever to make up the difference. You are now in the boat where you have to give back the money but not "reuse it" I know Ive paid off the minimmum on my CC before only to find myself back in the shop using what Id "paid off".

Hun, it will get better!!

dottyanne

Yeah but i really am struggling at the moment to make ends meet - nevermin paying off the debts aswell!! I really feel so much worse off!! Its just that i reckon ive got about £30K worth of debt and it seems its going to take forever to pay it back!!

dotty x

Pobby

Hugs and kisses.Wish I could make it better.Thinking of you--xx

dottyanne

Hey all - just a little one this - had the week from hell - got a mountain of unpaid bills.......full of a cold.............can things get any worse??

dotty xx

lynzpower

Dotty is there no way you could get another little job to bump income up a bit and get out of this hole?