Debt Free by 40 Debt Diary

oakdale_minx

Cheers guys - in a weird way that I can't put my finger on I am glad to be back, although looking at the grey sky across the hills of Dorset today, I'm not sure why I'm glad!!

Mad as it sounds, I'm tired today. I guess the very early start yesterday and the travelling has caught up with me.

I'm going to file the claim for the £340 worth of charges today. Knowing now how slow my local court is, I'm predicting it will be August or September by the time I get them back, but with the interest it will be exactly one months payment of my loan I make as an extra payment and so that is what I will do with the money and it will bring my DFD one month closer.

I re-activated my CallCredit account to have a look at my credit report and somehow, in doing this, it re-activated the payment and I've been charged £5.99 onto my credit card! Bum. Ohwell, I can just pay it off this morning, and make sure they don't make another deduction next month. Not sure how that happened to be honest.

My mortgage is going up from next month. Again. Sigh......I really need to get a new one sorted because I can change without redepemption penalties from next month but I'm not sure where to start as I will still be classed as sub prime (although I think I must be nearly classed as a prime customer now), the cleared CCJ has 1 year left before it drops off my credit record (what a stupid mistake for £492!) but with me starting re-deployment on Monday I'm not sure where it will leave me if the mortgage company contacts my employers.

I just need out of the awful deal I'm in at the moment, so I think that will be my little research 'project' for the next couple of weeks.

Bewitched2761

Welcome back OM! hope youve had a great time, good luck with cruella on monday xx

oakdale_minx

i've drafted a letter which answers all her points - basically she is trying to make me look like the bad guy, but I have saved emails on my side as well as union backing.

I found out today that 4 friends I used to drink with (2 couples) are selling their houses and one couple are selling their business to move from Dorset to the Orkney Islands to buy some cottages, do them up and run them as holiday lets.

I'm shocked and so surprised. Both have offers on their houses and one couple have visited the school up there and their son has spent a day in lessons!

Two houses plus a half share in a successful removals business will give them loads of capital, but I don't know what prompted such a huge move and such a huge commitment to work together.

That, on top of watching everyone on holiday getting on with all their varied lives has helped me realise even more how insignificant Cruella is - however important she thinks she is. I'm worth more than she is and I don't want to waste my life being her whipping girl any more, whatever that means financially.

Bunnyinthelights

Well done on the revelation OM
I'm glad you're getting wise to her ways!
Bunny x

BoingBoing_2

Welcome back O M!

Did you manage to 'lose' OH on the way back, or replace him with a lovely spanish guy? Hehehe

oakdale_minx

I'm afraid he came back with me!

There weren't many (actually that should read 'any') hunky spanish blokes!! Actually there was one waiter in the hotel restaurant that was quite sweet thinking about it!

I ended up bringing 100 euros back with me, so a little more than I thought, about £65. If I change it back, it will probably be spent, so I've popped it in a glass in the cupboard and will leave it there as an incentive to think about being in a position to have a holiday in 2008 and it being the beginning of my savings. Even if I am made redundant I am going to be positive and think that I will be ok financially, either by getting a full time job, a part time one and part time AQA, or full time AQA.

I'm going to use the rest of March as a way of 'earning back' the money I spent on holiday. With me being away I've done little AQA so I'm going to look to earn £180 which is roughly what I spent.

SirSaverOBE

Hello!

Welcome back! I've really missed your diary!

Glad you had a nice holiday - it's always nice to be back though in a way, isn't it. Isn't it????! Saving the Euros towards your next holiday is a fabulous idea.

I also wanted to say thank you for recommending AQA. I passed my first review at the weekend am now a fully-fledged researcher, although my answer rate could do with being a bit quicker at the moment!

Hope today went well.

Sir Saver

oakdale_minx

You'll get quicker, it just takes 'getting into' and then you'll be flying along!

Well, I did it. I sealed my fate job wise. I took my very carefully written letter into her. She had an HR manager with her. I gave them both a copy in an envelope. She shook as she read it, I don't know if it was anger or the realisation that Ihadn't given in and done what she wanted me to.

So that's that. In 7 weeks I could well be made redundant unless something else is found for me. I feel strangely calm and content but I don't know why - I made the decision today to possibly put myself out of work!

And Cruella doesn't bother me anymore. I felt dizzy and sick with fear and nerves as I got up to go to her office. A colleague came along to her door with me, but once they had opened the letters, I felt a funny sense of relief and control over my life and I just thought 'it's over Cruella'.

hypno06

Good for you! I felt exactly the same way when I handed my notice in a couple of years ago - strangely calm and just very aware that I had done the right thing.

I think I have said to you before that you should trust your instincts - they have done you ok so far!

Seaxwyn

Well done OM!! You'll go from strength to strength.