Hold on tight! It's going to be a bumpy ride!!!

Moneytroubles_2

Afternoon, hope everyone reading this is OK. Im knackered as been to work all weekend! Just paid £25 off the very account, really really mad at myself, as I was padding i didnt take notice of the payment dates as I always paid more off, well as i have been offline I havent done as much padding and didnt even think about my payment date and missed it so im going to get a late payment charge now - god i need to sort myself out, was doing so well and just fell into a dip since not being able to post - sounds like an excuse but its true!

Happytogetdebtfree

Don't get upset about one late payment just think on for next time mine are all direct debits so I don't have to sorry lol I was terrible at times x

Moneytroubles_2

im just impatient now i think as nothing seems to be getting smaller - grrrr i feel so close but so far with everything, also if i hadnt started uni i would hammer the hours at work but i applied and enrolled for before lbm and i really enjoy it but im sooo poor

Moneytroubles_2

Just paid £100 to videgrapher - leaving the balance at £200! hoping to settle that it January xxx

Happytogetdebtfree

Everyones poor at the moment don't beat yourself up uni will hopefully improve your career and cash flow so a serving purpose next year is forecast sunny spells with clouds and money showers don't bring your umberellas haha lack if sleep I'm thinking x

Moneytroubles_2

Hi everyone - happytogetdebtfree thank you for your forecast it made me smile! well paid £50 off the nationwide overdraft and paid my gas and electric today also rang Northern Rock today as I fell behind with payment they were lovely AGAIN they asked why i was in arrears and i explained i had left full time work for part time and had returned to studies, and was waiting on student finance as it still hasnt been sorted, she seemed understanding and i think there is a few people in the a similar situation - also in a strange way its slightly comforting ringing the collections department and being pulled on hold for ages due to a high volume of calls - makes you think its not just me then

Im thinking ebaying is the way forward for me now to top up finances, me and oh have made £329 in the last couple of weeks selling on ebay - i still have all my wedding stuff too which i tried to list but the camera didnt work and then i put my dress on pre loved but no luck, thinking of putting it on after xmas, maybe some lovely ladies will have had some xmas and new year proposals! and will want some stuff! but we will see!

Hope everyone else is ok and doing a better job than me at debt busting lol xxx

lilly81

Hi Money troubles,
I've just read through your thread and I would like to say your doing really well.
Have you thought about doing online surveys?
I do them then use the vouchers to pay for birthday/xmas presents :money:
I hope to follow your thread from now on
Good luck with getting debt free
Lilly X

misslauren

Hey moneytroubles,

Have been reading through your diary and wanted to say congratulations! Looks like your making excellent progress considering going back to uni and taking a pay cut :T

I'm currently studying, but from home and work part time, and am looking to go to Uni on campus in 2011, so I'm really trying to get my financial situation as sorted as possible before then, because it looks like I'll be having beans on toast for three years

Anyway, keep up the good work!

Moneytroubles_2

Thanks for the replies everyone, sorry i havent been posting as much lately but just snowed under with work!

i paid my overdraft payment late and yesterday i received a letter, which was obviously sent before i made the payment, but it made me soooo angry.

I always always pay more than the agreed amount, and get no acknowledgment for this and then the one time i pay it late i receive a letter saying

"were disappointed that you have not sticked to your agreement and therefore you need to pay the full amount"

I was go angry, the tone of the letter was so patronaising and insensitive, so i rang up and explained i had put the money in the bank it was just a couple of days late, and then the cheeky mare said to me on the phone, well the amounts not big, can you just clear it now? does anyone else find that rude? or is it me being oversensitive, the balance is 297 poiunds so altho not a big sum, its too much to be paying out 2 weeks before christmas, im so upset that i am writing a letter of complaint, prob get me no where but will at least make me feel better!

Anyway sorry for the rant, mad a PAD of £2 today on very xxxx