Day 1... where will it lead

DebtFree2012

Hey LL

Why don't you list what you need to prioritise on here and we'll all help?

You will be fine, we all do it from time to time!

x x

ziggles50

Welcome back babes.
Sorry it's not been going too well.
But you're back and trying to get onto that wagon again. So more power to you!

LexieLou

I've been away for so long and down for so long, but tonight I have finally realised what I have wasted. I was chatting to a friend who with her husband has just bought a £300k house and is gutting it and doing it up. Me.....I have nothing to show for my once fabulous job and travelling around the world except ALOT of debt.

And I had also promised myself that I would be debt free this month. That is NOT going to happen. So I am now aiming for July 2012, it will be so hard, but it has to be done.

The list is as follows:

PPI from John Lewis - chase up, infact go to the Ombudsman as they have faffed about too long
Credit issues money back - send letter
Halifax PPI - pray they look at my PPI claim favourably
Tesco PPI - follow that up too

Credit cards
John Lewis - Payment plan of £160 a mth
Capital One - that balance really should have been obliterated, but alas I found other things to spend money on
Tesco - that's next on the list after C One
Barclaycard - Payment plan is still in place and I think will remain until I have fully caught back on all arrers, which is good as I know I ahve to find a certain amount each month.
Halifax OD - now that is a huge mountain to climb and I probably should hit it first, but it is so easy to withdraw money from it
Repay ISA - that has to be done by June 2013, so that is a long shot away and can remain in the background

I will update my debt totals. I just want to get rid of this debt and have a life back again and be able to go and buy new clothes and spend money on makeup other than when you have cut the top off the tube and scraped it out with a cotton bud and still can't find the money to buy a new one. (i'm feeling sorry for myself)

Night all, hopefully be back tmmw.

Me xx

ziggles50

Oh Lexie
it's so good to hear from you!
Again i'm sorry you've not been doing so great but tmomorrow is a new day and a new you!
Hope to hear from you again real soon ;-)

LexieLou

Ziggles, you are one of those rare people in Life that gives so much. Thank you for just being you and being there. Lots and lots of love.

Me xx

LexieLou

I'm here, nothing to say, just hello.

Night

LLxx

LexieLou

I'm still here and still trying to be an MSE queen!

Night all.

Me xx

Lemon_Tree

Hi Lexie, i'm only ever aiming to be an MSE maid.

LexieLou

Hi ya,

It's Monday and I was so busy yesterday. I listed 5 things on ebay, it was free listing weekend, but i do so wish they would do a free final fee weekend, I'd be so much happier. Anyway had a row with ebay about the postage costs as they capped one of my items at £6.50 when the Royal Mail states £7, so that was a major rant at ebay. idiots.

Anyway nothing else to tell, all has been quite. No extra money squirreled away, but it's still the middle of the month ( well 2nd 3rd) and there's a few days left.

I'm away to put on the washing machine and do some boring housework.

Talk soon.

Love me xx

LexieLou

Hi,

I'm still here... whoohoo me!!

Listed items on ebay, two are selling nicely others have watchers...well pleased.

Bought an item on ebay, just need to pay for it, which will be done with the funds from the purchases on ebay.

Got a PPI reclaim....so pleased. Waiting very very patiently on a cheque and then half of it needs to be put towards a very good cause and the other half has to be hidden away for a rainy day. Or in my case, the current account that it's going into will have it's card put into a freezer bag and frozen in a bowl of water.

Off now to get ready for bed and them work tmmw. I genuinely hope things pick up because at the minute it's soul destroying...genuinely heartbreaking and moral crushing.

Anyhow, I'm away.

Sleep tight.

me xx