clearing the cobwebs, clutter and debtness

jacey98

thanks home grown feeling a bit better today just always seems that there is something else to pay for instead of the money coming off the debt........but i know i am on the right track which is the most important and in 6 months things will be looking much more positive.

just a bit fed up with looking at my bank account with no money in it.........but the debt is mine i spent it so can only be cross with myself but at least the learning curve has happened and should never be in this situation again!!!!!

am going to book in an ebay weekend and just go for it, also building stuff up for a car boot although think that may have to wait untill next year as too dark and cold now.

also have to pay for divorce this week as we did not get round to it and been apart 2 years now so need to get it done but aahhhhhhhh more money, although very amicable split so only about 300 between us which is good as could have been a lot worse.

jc x

jacey98

ok so new list for Oct and Nov and Dec :rudolf:

* Send off divorce (150.00)
* sort out and do ebay (at least 20 items)
* sort out box of xmas pressies already bought (and dont feel i should by more for people its the thought that counts!)
* make daily payments to capital one card get to under 400 by 31/12/09
*cancel BT in nov as moving in Jan and can just use mobile.

*dont buy anything else for new house!!!!!!!!!

sure there are more things but will add as i remember.

jc

jacey98

post 3 in one day...........!!!

have just called the local hotel as saw an advert for causual staff and as i have history in catering thought might be a good plan. so have sent off my cv and hopefully will be able to pick up a few shifts in run up to xmas and anything earned can go straight onto the debt!

not sure oh will be happy about seeing less of me but as it will only be for a couple of months and we will be living together from Jan shouold be ok.

jc x

jacey98

sorted out xmas box last night and actually only need to get one more present for my brother which is great no more xmas spending.........am thinking is it too early to start wrapping!!!!!!!!!!

also my ex dropped his share of the divorce money round so can get that sent of this week or not with postal strike but hopefully should all be sorted out soon and one less thing to worry about.

only four days till payday cant wait to pay more off to change my sig will def be having a small celebration once the cards are gone.

have only got a tiny bit of space left in my terrimundi pot now which i have been collecting £2 in so should give me about 400 to pay off card want to break it open now!

jc x

jacey98

missed a couple of days but have been laid up with the flu and still feeling preety rubbish!!!!!!!!! means no spending for a few days though which is brilliant. and have reached pay day at last so can pay a little bit off will update sig later.

jc x

Needhelpsaving

Hi Jacey,

I am not really in debt, however after buying a house and seeing very nice things to go in it; am going down that route so need to stop myself now.

When I moved out of my parents, we bought bargin stuff to tide us over until we could afford what we actually wanted. I am still sitting on a second hand sofa given to us by a family member and we have been here 18 months. Honestly, its not worth getting yourself in debt for - i seen a programme on Sky 3 yesterday (on freeview) called beat the baliff anf the guy had spent loads on his house only for it all to be repossessed!

Definatley change your address on your drivers licence (if you have one) as there is a £1000.00 fine.

The only thing I would say is that you have £728.05 in savings (well done - more than I have); but it is gathering less interest than your capital one CC is charging. Would it be worth using your savings to get rid of this and then start chipping away at the rest sooner?

Laura xx

jacey98

hi laura

thanks for stopping by. you are totally right about the house stuff i think the problem is moving in with my oh who hasnt moved out before he is all excited and keeps looking at new things as he doesnt really have anything to bring......but have def stopped myself on lots of bits and will wait untill we are better placed to buy anything.

i have been thinking about using my savings to pay off the cc and do think it is probably a really good idea just a bit scary to go from some to none but i guess as soon as the debt is gone then i can start building them up again.

not much else to report as been poorly but have paid a little off both cc this week but not much as have to send off divorce payment so hopefully be paying more next month.

jc x

jacey98

well just been on the phone to bt and they want 60 for me to cancel my phone line...........i wanted to cancel it for a couple of months to save some money before moving but not going to happen but if i xfer it will cost nothing so gonna just have to do that then.

getting stressed about having to change everything over especially british gas as have had massive problems with them before now.............also seem to have so many dd coming out of my account but dont think there is any i can get rid of. also need to open a new joint account for us to pay money in for the new house any suggestions on the best accounts?

jc x

jacey98

still all flu'd up been over a week now and pretty fed up with it all but on the plus side still not spending very much at all. and can finish the last bits of xmas shopping form the book club thing at work at really reduced prices so hopefully only going to spend about 20.

have sorted out a load of clothes for ebay so just need to get the camera out and start taking some photos now........

new house is just about ready now so may get moved before xmas.

jc x

jacey98

ok new plan for next couple of months want to have my debt starting with a 4 by the 31st Dec. which means i need to clear 1182.72 in 58 days.

payments that will def be made will total 506.38 i ahave also earned 207.00 from some part time work and planning on paying 150 a month onto capital one card from my wage. which will leave me with 169.34 left to find coming to just under 3 pound a day.

so can either get my ebay head on (may not happen as rubbish at listing) or failing that can take the extra from my saving to make this target.

in doing this i shouold then be able to clear the tesco card within 3 months, leaving just the dreaded loan.

leading onto plan two which is to put all the money i have been using to pay off cc into my savings so i can clear the loan by August 10 which is a whole year early.................woo hoo.............now lets just see if it works.

jc x