dottyanne's debt diary

dottyanne

Thanks zippy - youre a mate............I really hope we have a turn around in good luck - this year has been my worst in history i should think - i think both me and hubby deserve some good fortuen ...............a great new job is coming our way, a great new job is coming our way...........

dotty x

lynzpower

Well I guess, if you didnt want to work in an office, shops, call centres, working with older people, cleaning, outdoorsy jobs, schools theres LOADS of options!

dottyanne

Hey - Lynz - It's not that i dont want to work in a in an office - i just wouldnt like to go back to working in an anvironment like the last office i worked in !! Bottom Line - I need a good paying job and i will take what im offered if the proce is right....

If im struggling with money this month etc what should i do? inform people that im looking for full time work or just dont say anything till im lucky enough to get something?

dotty x

dottyanne

UPDATE - 16/10/2006

Ok time for an update me thinks............

Heres how it looked:-

Monthly Direct Debits (personal)

Abbey Mortgage (6.50%) – 774.30
G E Money Serviving Limited (secured Loan) – 208.92
T V Licence – 11.07 now £21 per month as they did a refund and im paying over 6 months!
Powergen – £94.00 per month £130 now as theyve finally sorted my gas supply out and im releived
Sky Digital - £36.00 per month owe £78 arrears
Direct Line (life) – 20.05
Direct Line (contents) – 36.36
Egg Card – 40.00 (15.9% Apr) through CCCS
Egg Loan – 361.80 (7.7% Apr) Payable Till Dec 2011through CCCS
Rbs Personal Loan – 61.39 (paid Off In August This Year)through CCCS
United Utilities - 49.82

All Up To Date At The Moment!!

Monthly Bills (personal)


Kids School Dinners/snack Money – 111.00
Food (approx) – 240.00
Oh Smoking – 100.00

All Up To Date At The Moment!!

Debts (personal)

Ground Rent – 200.00 Overdue – To Be Paid In Full owe about £140 now - paying £30 per month till up to date
Capital One Cc – Me – O/s Approx – 290.00 (17.9%) Up To Date through CCCS
Barclaycard – Oh – O/s Approx – 850.00 (limit 700.00) PAID £120 TODAY through CCCS
Capital One Cc – Oh – O/s Approx – 1015.00 PAID £100 TODAY through CCCS
Robinson Way Debt Collectors (british Gas) – Oh – Approx 608.00 – 20.00 Per Month – up to date now through CCCS
Scotcall Debt Collections Agency (dss) – Oh – 3630.64 – 10.00 Per Month - Up To Date through CCCS
Inland Revenue – Tax Credits Overpayment – 646.12 – Overdue Since November 2005 – Not Paid Anything!! through CCCS
Great Universal – Me – O/s 651.83 – Payments Of £30 Per Month – Up To Datethrough CCCS
RBS OVERDRAFT - 4000.00through CCCS
Dad – 3100.00
Mum – 500.00
Brother – Car Loan – 37.19 Per Month – Up To Date

I now pay my personal debts through the CCCS at £276 per month

NOT EVEN TAKEN ANYTHING INTO ACCOUNT FOR SAVING FOR BIRTHDAYS AND CHRISTMAS ETC...............


Business Direct Debits

Shop Rent – 368.33
Motorline Insurance (van) – 52.14
United Utilities – 20.88
National Insurance – 10.50
Cardnet Charge – 25.57 cancelled
Virtual Lease (every 3 Months) 84.60 cancelled
Matsu – 30.00 cancelled
Direct Line (car Insurance) – 50.00

Was Also 240.12 Hp Each Month On Van But Dad Has Paid This Off As Van For Sale – Will Be Paying Him Back Fully When Van Is Sold

All Up Todate At The Moment!!!!

Business Bills


Accountant – June 05 – 94.00 – Overdue Paid
Accountant – Oct 05 – 94.00 – Overdue Paid
Accountant – Jan 06 – 94.00 - Overdue Paid
Business Rates – O/s 358.00 Overdue For Last Year – Have Written To See If They Will Spread Over This Year With New Bill PAID £180 SO FAR - ON PAYMENT PLAN UNTIL CLEAR - RESULT!! Paid

Inland Revenue – 05 Jul 05 – 120.85 Overdue PAID IN FULL TODAY
Inland Revenue – 05 Aug 05 – 96.68 Overdue Paid
Inland Revenue – 05 Sep 05 – 96.68 Overdue Paid
Inland Revenue – 05 Oct 05 – 120.85 Overdue Paid
Inland Revenue – 05 Nov 05 – 96.68 Overdue Paid
Inland Revenue – 05 Jan 06 – 64.21 Overdue Paid
Inland Revenue – 05 Feb 06 – 96.68 – Overdue Paid

Petrol & Diesel – Approx £40 Per Month


SO _ DOES IT LOOK ANY BETTER ???????????????????

*zippy*

Yes !!! :T

Theres quite a few paids on there Dotty and cccs seem to have the others organised. :beer:

When you both get jobs you will able to throw alot more at them and see your DFD come forward.

Whats day is your interview this week?

zippy x

dottyanne

its tomorrow - wednesday - i dont think they will tell me there and then if ive got the job or not but i will certainly let you know how it goes.........my friend did my nails (free) for me at weekend and im having hair done today (first time in 3 months - badly needed) and my dad is buying me a new smart top for the interview so im really trying my best..........OH hasnt had much responses yet but its early days and were slowly trying to wind business down with no-one noticing at the moment - weve decided to leave the shop once one of us gets a job offer to save pouring the money into it all the time...

livinginhope

Just wanted to wish you the best of luck for your interview tomorrow Dotty,been following your progress and you really do need something good to happen.Well done on the 'paids'.
Enjoy having your hair done today and 'knock em dead'

fabianne

Dotty....
I think we know each other in RL don't we luv?
xx

fabianne

Cos if it ain't you-you have a lost twin and I have just text a very good mate,asking "R U dottyanne"?-so if it isn't you/her ....she will now think I have completely and finally lost the plot and will be sending those nice men in white coats for me any minute.....

XXXXX if it is xx

*zippy*

How did the interview go dotty?