Debtbegone's Debtbusting Diary

debtbegone

Wish the weather would get better. I'm fed up of the cold and snow & hail, it's zapping my motivation

Have managed to get a few more very small things onto ebay and cancel a small direct debit. I was paying monthly for pc security and haven't been using it for months as downloaded avg to use instead, so I'll be £2.49 per month "better off" :rotfl:

Went to downgrade napster as the oh can't find his mp3, currently on the £14.95 napster to go tariff and was going to downgrade to the light tariff only to find out that they've re-done them and they're all confusing now need to sit down with him and work out how many songs he's looking at getting per month to see which one would suit him best, or if he'd rather just cancelling it altogether.

Need to get the internet direct debit transferred to my parents asap as we're (fingers majorly crossed) going to be moving soon, might go do that right now infact

Purpleroses

I know!! its sooo cold! couldn't believe we had snow today!

As tesco says "every little helps" that £2.49 saving a month is about £30 a year saving!

ohh how exciting about the move! hope it goes well!!

debtbegone

That's a good way to look at it

So glad the snow's not lying though. Bl00dy temperature light keeps coming on in the car, it's nearing May for goodness sake!

The whole moving process is being a pain in the butt, it's been 2-3 weeks until moving for the last 2 months, so I'm probably still expecting to move earlier than we will

I've just been checking my phone plan and for what I'm using I'm paying around £15 a month more than I should be :eek: Contract was either 18/24 months, I need to dig out the paperwork to see which as the online account is giving me one on some pages and the other on others :mad: then phone up to try and downgrade my price plan.

Just noticed you're doing the 10k into 2010, how on earth do you keep up with that thread lol! Hope all's good with you

Purpleroses

its tricky to keep up with it so i do tend to miss some things but i get the general gist of it lol!

all good here. I have managed to finally get out of my overdraft! so am down to the last card and i'm done! still £2k to clear but i'm getting there going to get listing on ebay again this weekend.

debtbegone

Well done with the OD :T and being down to 2k

Ashamed to say that my total's gone up, thanks to trips away and house stuff that I didn't budget for my bad. If all goes to plan I'll be out of it all by April 2012 :eek:

Hoping to have at least £50 to transfer from paypal by this weekend managing to keep up with the listing this past week, if I do a few at a time then have a wee break away to do something else it keeps me motivated!

Speaking of which, I should really try and get another few on there tonight. . .

debtbegone

Right, as it stands just now I've got the following on cc's:

MrT (14.9%) : £1598.65
BoS (29.9%):eek: : £4840.81
Vgn (0% till Dec):£3999.68

Giving a total of £10439.14 before interest :eek: and not including the £300 overdraft I always seem to be in

Before the end of the month I want to pay at least another £50 off Bos. Then May is the month where I want to start getting a total of £500 a month thrown at them. Currently managing around £250 so hopefully with all my ebaying and the *fingers crossed* extra money-maker I'll be able to do it.

Seeing it all written down like that is :shocked: especially having nearly 5grand at that stinker of 29.9% interest!

debtbegone

Right, tonight I had a few ebay items end so some pennies towards the Bos payment (all still in Paypal till I reach at least £50) and I've got photos taken and descriptions written for another 12.

Lots of the stuff I'm listing is only going to literally make pennies - but pennies make pounds and I'm de-cluttering along the way too.

My sister's been tidying out her room today and I told her I'd list her stuff for her for 20% of the profit She said yes since she's too lazy to do it herself :rotfl:I've got a nice big box of bits already and she's nowhere near finished so I'm hoping to crack on with those over the next few days too

debtbegone

Phew, have just three more items of my own that I've taken pics of that have still to be listed. Going to write up descriptions just now so they're ready to go tomorrow, then get to work on the pile of my sisters things

Posted a couple of items that sold last night today and worked out that I made £4 on one of them and just 6p!!!! on the other! I'd managed to underestimate the postage by 40p, need to check the kitchen scales are working properly or I'll have to edit everything that's already listed :eek:

debtbegone

Hmm, my weekend of ebaying got put off due to me being in bed for most of it I've managed to drag myself out of bed this afternoon and am going to get to work on listing some more bits and pieces.

Had a lovely letter from MrT's telling me my interest rate is going up :mad: I thought it was 14.9% but it had been 14.004% and is going up to 15.756% from my June statement. And unleaded has gone up again today, cheapest where I am is now 128.9!!! So I really need to sit down again and work through the budget to see if I've got it all covered

debtbegone

Yeay, all but one item that ended today sold have had to use most of what was in the paypal account to pay for some stuff online (not bills ) but when the rest is all paid up I should have my £50 to make an overpayment to BoS :T

Today's sales have motivated me now to get some stuff listed/ready for listing. Going to do it now before the motivation vanishes! :rotfl: