Lost in the middle - getting organised and debt free

Pippilongstocking

Have fun on your holidays sweetie!xx and well done on 29/31

Marru

Thank you Fay and HB!!!

I just got an email from Uni. They will send me diploma supplement for free!!! I am so chuffed as I will save bundles in official translation costs. I have to say that from where I come from all things official and bank works so much better than here. I would probably go back if I could take all the people from here with me, change the official language to English and keep the English weather - don't laugh - I really mean it.

Fay THIS is what I am aiming to practice on next. Have found the guitar cords from net for it as well.

Marru

Marru wrote: »

- Washing up to date (ongoing)
- Try to get out delivering leaflets
- Get hay for piggies
- Clean piggies
- Buy carrots for piggies
- Leave instructions for my piggy feeders
- Pack for holiday
- Make meal plan
- Shop for meal plan
- Get prescription renewed
- Walk friends dog
- Email to one creditor
- Letter to one creditor
- Fill forms online to take ex to court
- Send email and letter to ex re his visiting rights
- Tidy house (cleaner is in Turkey)
- Cash flow to the end of the month
- Pay more towards rent if I can
- Empty fridge
- Leave rubbish out
- Sort out couple of email addresses that are not working at the moment
- Go and drop cleaner's money off and leave note that I won't expect her back until November
- Submit hours
- Request for documents in English from Uni
- Drop off some money towards debt I have to nursery
- Wash dog
- Clip dog's claws

I can't believe I have done it. Except that I wanted to be at BF's boat by 5-6 pm and I am still here and haven't even packed as yet. So logging off and pack. Doing food shopping on the way. Poor dog, she has to wait a bit longer for her claws to be clipped. Will pack clippers...

honeybear_2

You are amazing! :T:T:T

Here:

Cos that's v.impressive

Hope you have a lovely time

bails

Hi Marru! How are you? Hope you have a great time on your hol, send my love to the Monkey x

Marru

OMG Bails!!! You are engaged!!! WOW!!! CONGRATULATIONS!!!!! Monkey will be 5 on Sunday so I will pass your message to her.

I am still house sitting oop noorth (ok only 100m north from where I live, actually practically south of England to all you proper northerners)

We have finished our narrow boat trip and after a week and 112 locks I can say that I do have some muscles - at least the ones that are aching :rolleyes: After putting Monkey to bed I shall have a nice soak and then catch up threads here and of course XF and Strictly online as I haven't had access to TV since Wednesday week.

But first feeding and walking 4 dogs before it gets too dark.

jo1972

Glad you had a great time Marru, sounds like you need a rest after that holiday :rotfl:

Marru

So, got back home last night to find letter from council that they think all the charges are valid and told me to pay up. :mad: Now I need to put all the paper work together and bite the bullet and call the bailiff help line that is premium charge service but I know I will get help and quickly from there so hopefully can get all the documents together tonight and then call tomorrow after work.

Also found reminder of TV license fee . Then this morning realised that I hadn't handed in the booking forms for DD's breakfast and after school clubs. Ooops.

So it seems that doesn't matter how much I get done I still end up chasing my tail.

Then today one of the debt collection agencies (after I made F&F offer) had forwarded my case to another agency so I will start with them from scratch now. And another agency sent me a pay in book and kindly accepted my offer of £1.- payment per month. The loan is over £11k so how long dead would I be at that rate? And this is after I made them F&F offer as well.

Screams!!!!!

Ok so this week:
- cash flow to the end of month
- fill forms breakfast and after school clubs
- get advice re bailiff situation
- Send letters to two (above mentioned) DCAs
- Pay one F&F off
- Email about potentially accepting another F&F offer
- Register to ACCA
- Contact leaflet drop people to find out what I should do with leaflets I didn't manage to deliver (and they obviously didn't get me a replacement as they were still sitting outside my door when I came back)
- Send my MOT certificate to BF (always forget to give it to him when I see him)
- BUDGET!!!!!
- Hopefully get time/energy to nudge BT to get my landline sorted
- Email ex again about him seeing DD
- Send amendment forms to court (I messed up that claim I made online before my holiday so now that needs sorting out as well)

But most importantly:
- Start getting to bed by half ten
- Start being on time at breakfast club (always 15 minutes late)

Marru

I am so excited!!! I managed to finish the registration forms to the ACCA and put them in the post. I have applied excemption for 7 units and if that is accepted then I only need to do 5 units and I am qualified! I can't wait to find out so that I can then start finding out how much it all is going to cost and start seeking funding.

Also one loan is going to bite the dust this week and also I will be able to pay off my old debt to DDs nursery (form back in August). I am up todate with council tax, land line, breakfast club and after school club fees and have sorted my tv licence to go out as monthly direct debits so that eases my cashflow situation enormously.

Still lots to get sorted but I am really chuffed with today. Early to bed and if I can manage to get up early then I am hoping to get couple of letters to DCAs done before DD wakes up.

Despite that the food budget for this month is really limited, I am feeling very positive. I am planning on putting a rubber chicken in SC on Saturday and that should sort us out for weekend and beyond (won't see BF this weekend sadly).

Marru

I have started a new thread in OS board to try help me to cut down my lunch spends. And HERE it is.