newbie

clarissa_D

hi all
well i love this forum big time !;) at the moment i am in debt but it is not my debt i borrowed for a so called friend 2,000 3 years ago if id of known i could get credit card and stooz id of saved loads and itd been paid off id even of earnt myself money say 800 !! put that in ISA even more but this has gone on more then 40 weeks its 3 years now and more the APR is 65.65% is there anyway i can reduce this i dont have cover on it either.
there is money owed to the loan and the over draft charges and money she owes me !!
im hoping to set up a new bank account do i have to declaire that i already have a bank account? if not itd be great that way i may be able to get a credit card to stooz from. will be arranging another appointment with citizens advice to get court forms thru again as there is changes eg extra charges wich there arguing about, main thing is she agreed to get a loan out herself when she cleared her 500 overdraft- i have no contact with her anymore and her mother and father are lovely to me :mad: not!!
i have money saving recipies that my mum got from her school as shes a dinner lady doing the jamie olivers dinners and there money saving as you can bulk and store (freeze) get cheap tins ect from nettos im going to set up a menu plan for say a month do a big shop see how long it lasts i want to spen less the 40 pounds for this we get meat from partners dad for a tenner the rest i have to buy spices wit but they will last ages.
if anyone would like recipes please let me know i also will be trying to lose weight currten weight 13stone goal 10 stone 5lbs (for now) :rolleyes:
i am with 02 genie wich is great i also have t-mob if i dont use for couple of months they give me a thousand free texs for a 10 pund top up !!
erm just got rid of gas pay meter now get bill thru instead of getting caught with no heating :mad:
oh i have a mini gym my friend also giving me a rowing machine worth 60 pounds for a mear tenner!!;) well chuffed!!
just realised i have been spending 3.00 for bus journeys 2 buses, when i can use oyster card off peak is 0.80p on peak 1.00 i spent 12.50 last week :mad:
i now no to go oyster !!
i would like to use baby re-usable nappies but not sure really
thats enuff for now sorry i chatter so much

from clarissa

lynzpower

welcome clarrissa :hello:

Hope you feel at home here, we are a very freindly bunch

clarissa_D

ok balance now due for my Llyods TSB loan of 2,000 is 967.47 balance left to pay and the amount owed to loan 323.68p this is not including the overdraft aswell as the money i am owed, *NOTE to self must phone C.A.B and get court letters sent thru again, is there any advice out there on other places i can also contact for advice?
i also have catalogue bill thats 397.00 but the camera can make me money people want photographs of there kids ill be the photographer.
i am currently getting bulk chicken for 12.00 that should last us 3 months all i need to get is herbs ect... so im writing shopping list tonight may go shopping tomorrow.
really need to clear things i recieved new clothes today from family member today really chauffed!! 2 pairs of leather trousers.
im having a tight wad month, i get 266.36 pm i am not sure how much child tax i will be getting as yet still waiting on forms and conformation, does anyone have any idea on how much this is for a first child? i could do with lil info so i can plan my repayments ect...
i have found 2 money making ideas-
1, photography- i will also be applying for digital photography course
2, nails everyone loves to have acrylic nails its a 20.00 earner!!
3, my part time job 120.00 pm not including tips
4, applyed for Avon i have around 180 homes around me worth a try.!!
thank you i appreciate all your help and suggestions ??

from clarissa