Debt Free Ramblings from BlueJeans

BlueJeans_2

Hi All

Well, I thought today should be the day I start my debt-free dairy after being inspired by others:beer:.

I have had many LBM’s in the last few years but it would appear I had a faulty switch as the light kept flicking off!.

My OH and I finally realised that we needed to call the electrician and get our faulty lights fixed ! So as off 01/08/2009 we had our LBM’s again. Now, the lights haven’t flicked off as yet and I hope they don’t as we are trying to hit our debts full-on and clear them as soon as possible.

As of 1/08/2009 we were up to date with all payments but we knew this month it was near impossible to met the min. payment hence why I am writing this dairy.

We are up to date with all our priority debts and have never had a default.

The unsecured amount currently outstanding is £35607.53 (give or take a few pence):eek:.

When our debt free date will be - who knows? The calculator I used to work this out blew up and refused to speak to me (so sorry if you tried to use it after me).

I am self managing our DMP and have sent letters to all unsecured creditors and have yet heard diddly squat back from them (now there’s a surprise), so I have no idea wether or not they will accept this but I have set up standing orders in the meantime and paid the majority of them the pro-rata figure another useful calculator, erm, calculated (this one was quite friendly)!

I am also reclaiming PPI (and have been successful with a secure lender that we still have a balance outstanding with) and got a refund for approx. £5000 on Saturday - yay:T.

We are going to use this amount to continue to pay of our secured loan each month and we pay an extra £50 so we will see some benefit of the refund. The remainder of the money will be used to clear the unsecured amounts and hopefully be able to offer some F&F’s for the smaller creditors.

I have currently sent off request for CCA to see if creditors hold the correct agreement - hopefully not but knowing my luck they will have.

Well, I can’t think of anything else at the minute but I will do my best to update on a daily basis as I know I need to stay focused to ride this storm.

Oh, I have started my spending dairy properly today (thanks gargrave for the kick that I desperately needed).

Spends so far today: £3.00 window cleaner (this should have been £6.00 but I told him not to do the back as nobody can see them as we look out over fields and I doubt the 's give a 's about the state of my windows).

If you’ve got this far well done and thank you for reading:beer:. If you haven’t I’ll not bother saying thank you as you won’t be reading this anyhow:p.

I hope to be back soon with more ramblings from a debt free wannabe.

Thanks again for reading and I will see you soon.
Blue

gargrave50

Hey blue,

I've subscribed! Well done, we are in a similar boat as you know so hopefully we can keep each other going until we are DEBT FREE!!!!!:j:j:j:j

edinburgher

Blue jeans - best of luck paying down the debts (and congratulations on the virtuoso use of smileys!)

Would posting a SOA be of any use to you, as it would allow us to make suggestions?

BlueJeans_2

Hi edinburgher

Thanks for reading. I thought I would add the smilies to make is slighty more bearable on the eye, otherwise it would be one big blob of text and probably make most readers fall asleep:D.

I did post a SOA a few weeks ago and to be honest there is nothing that can be reduced or anything that can be 'shaved' slighty.

I also done the debt remedy thingy on CCCS and adjusted that slighty when I sent my SOA to our creditors so now my mission now is to actually live by those figures and not splash out on lifes little luxuries - cos lets face it that's what got us here in the first place:eek:.

I just hope it's plain sailing from here on without any major storms ahead.

BlueJeans_2

Just a add a few more spends for today *checks watch and vows to stay in for the rest of the day*

Bread - £0.79
Milk - £0.69
Paper - £0.30 (I know very naughty:o it's a luxury but I like doing the crossword - note to self find a free hobby:p).
Postage - £7.52 - all ebay stuff so technically not really my spends - well they are until Paypal send my money.

So not done too bad today tomorrow hoping for a NSD (I promise not to buy the paper!).

BlueJeans_2

gargrave50 wrote: »

Hey blue,

I've subscribed! Well done, we are in a similar boat as you know so hopefully we can keep each other going until we are DEBT FREE!!!!!:j:j:j:j

Thanks for reading hun. You seem to be more focused than me so I guess I'll be the one with the sore prosterior:p.

BlueJeans_2

Just another few pence to add to my total spend today

£1.17 - Orange squash.
£0.50 - Hubby treated himself to two cups of tea @ work - tomorrow he's getting a flask

Total spend today was £13.97 - not too bad if you take away the ebay P&P!

Gosh, this is quite therapeutic jotting all this down - isn't it!?!

gargrave50

BlueJeans wrote: »

Just a add a few more spends for today *checks watch and vows to stay in for the rest of the day*

Bread - £0.79
Milk - £0.69
Paper - £0.30 (I know very naughty:o it's a luxury but I like doing the crossword - note to self find a free hobby:p).
Postage - £7.52 - all ebay stuff so technically not really my spends - well they are until Paypal send my money.

So not done too bad today tomorrow hoping for a NSD (I promise not to buy the paper!).

:rotfl::rotfl:Hope that paper will last until tomorrow :rotfl::rotfl:

gargrave50

BlueJeans wrote: »

Just another few pence to add to my total spend today

£1.17 - Orange squash.
£0.50 - Hubby treated himself to two cups of tea @ work - tomorrow he's getting a flask

Total spend today was £13.97 - not too bad if you take away the ebay P&P!

Gosh, this is quite therapeutic jotting all this down - isn't it!?!

Glad to be offering free therapy :beer:
Glad to see you have your poor hubby in on the MSE!:D

gargrave50

I know you broke the calculator:p, but should we aim for a debt free date of 2015 for you. Very achievable me thinks!

BlueJeans_2

gargrave50 wrote: »

I know you broke the calculator:p, but should we aim for a debt free date of 2015 for you. Very achievable me thinks!

2015.
I was being conserative and had 3015 in mind.

Only kidding I am sort of aiming end of 2015 - at least most of it anyhow.