Debt Free by 40 Debt Diary

oakdale_minx

I was very bad yesterday.

I went and got some bits for dinner, the shopping is (finally) coming today. So that was money spent.

My back is very bad at the moment and I cook every single night but I couldn't handle standing there, so I bought a takeaway which was 14.99.

And then, I had a skirt delivered that i'd ordered on the spur of the moment. It fits and looks nice, but is made from cord so too hot to wear at the moment. I should send it back, I know

I sent the top back to QVC though so that redeems me a bit.

Got an allocation questionnaire from the court over my Abbey claim for 610, the next step. That's filled in and in today's post.

Oh, and I cancelled the mystery shopping I was due to do yesterday. With the mileage, the tax and the parking, I would earn about £5 max. I worked out I would do better working the same amount of time on AQA. I shouldn't be so picky, but I felt I was being sensible.

Greasypalm cheque arrived for £38. It will be Saturday before I can bank it, but at least I have it.

oakdale_minx

Checked my equifax report and some of the capital one information is over 6 years old so i've asked them to update it. It had a default registered and it doesn't wipe that, but it does get rid of some of the information.

Shopping from Asda had an item missing, a wrong item and some items 'out of stock' that would have had numerous possible substitutions. I've emailed asda as I will have to do an extra trip for a few bits. I'm hoping they will refund me the delivery charge - they definitely should refund me the price of the wrong item delivered as well as the missing item I paid for (a chicken!)

To make up for being de-motivated and cancelling the mystery shopping, I've taken another one in its place. It will be my first with grass roots and on the saturday morning of the bank holiday weekend. I won't have to pay parking and is closer than town, so worth it.

I've earned enough to be able to pay off ny NEXT account with the AQA money i'll get next month. My next target through August is to earn enough to also pay off my Mint card, which should be achievable.

oakdale_minx

aarrggh.........I re-started my pet insurance and they have taken the missed two payments. Bum! Will definitely have to bank the greasypalm cheque asap.

And - I used my cap one CC to pay my court fee to claim against Citi cards and the £50 fee took me tiny bit over my limit and they have charged me £20!! Cheeky things. Oh well, it will be added to the next letter I send to capital one, so I'll get it back anyway!

oakdale_minx

woohoo!!!!!!!!

I got my 50% refund of study funds for this years OU module. £265 to bank! Very pleased. I'll bank it tomorrow when I do my greasy palm cheque.

I promise that I will be sensible and use it off my course!

Got a £10 refund from Asda to cover the non-arrival of the chicken/the wrong item sent and delivery refund.

oakdale_minx

Took a mate out last night. It was his birthday last Monday and he has only just returned to work after long term sick leave. I felt I wanted to give him a night out as his friend. It cost £40 though. Worth it, he has been my friend for 7 years. Sometimes, friendship is more important than money.

Done my letter before action for my capital one claim for £288. Will send that Monday.

AQA'ing like mad and have set myself a target this month to earn enough to pay off Next and my Mint card, so I need about £500. Shouldn't be a problem. If I aim for £600, I can move the rest for tax.

Sent back my national insurance excemptions form so I won't need to pay that (unless AQA takes me well over £4000 this tax year, which I really doubt)

beanielou

Hiya om
love your thread and have been following it.
as you say sometimes friends are more important than money and its good for us all to remember that;)

oakdale_minx

cheers beanielou, thankyou

Spent the afternoon making HM pizza dough in the breadmaker (pepperoni pizza tonight with marinated ribs - yum) hope it turns out ok. Made the marinade for the ribs and couldn't get the ring pull out of the sesame oil bottle. Pulled it out with my teeth, the oil splurted in my eye and it STUNG!

Been on AQA all afternoon, just taking a break. Feel like a walking encyclopedia of trivia that needs using - anyone need someone in their pub quiz team????!

oakdale_minx

didn't get the chance to post yesterday, as I am AQA'ing like mad. I've set myself a rather high target for the month - £800. That will clear NEXT, mint card and the rest of this year's OU fees. If I can do that, then I will have an extra £70 the following month to pay off the cards.

Obviously I'm hoping that some of my bank charges will be paid back by then, but I'm not counting on it until it happens, and the further I can get ahead with lopping chunks off my unsecured debt with AQA the better it will be when the charges are refunded.

Got a payment of £8.35 from IMS this morning -every little helps as they say.

Got an enormous bottle of shampoo in the post. I fill in YouGov and various other surveys and one said they might pick me to test a brand of shampoo - out of the blue it arrived and I have to use it for the next 4 weeks. I don't reckon I'll need to buy shampoo again for a very long time!

scottishspendaholic

Woo hoo well done on the shampoo oakdale! I'm so pleased for you.

You are such an inspiration with all your money earning too - well done!

scottishspendaholic x

oakdale_minx

Cheers Scottish - i've used the shampoo once and I've got TV advert model flicky hair already..........oh, well, maybe not..........the scarecrow look is still very evident........

My OH brought my birthday present round last night - 3 months late, but hey ho. A gas barbecue - exactly what I wanted. He spent all evening putting it together and it does look very cool. Sadly though I think it might not get much use now this year as we are forecast thunder and flash floods !!!! Shouldn't sound ungrateful as it is nice.

Decided after some soul searching not to do any more mystery shopping. Southernscouser hit it on the head when I posted a thread about it and said that there may be another DFW who could take on the work. I'm getting almost daily emails (three yesterday) about work being offered to me, but with working full time and AQA I just feel I'm overloading myself for £5 here and there. Not that I'm knocking £5 here and there, god no, last month I was crying out for it, but I just need to be sensible, not feel guilty about turning down work and realise I can't work all the time!

Got a bog standard letter from Capital One yesterday - bla bla bla, we need four more weeks to investigate your request for charge refund.........nope. They have about 10 days now until the claim for £288 goes in.

The Abbey today have acknowledged the second claim against them. Another step taken!

I went to the Abbey yesterday to bank my greasypalm cheque and my 50% study fee cheque from work. Last time I was in there, a bloke stopped me and asked if the cashier had told me about the new current account. I was hoping he would be in there yesterday - I was going to say 'I don't want it. I have an account with you already. It's permanently £1200 overdrawn, my credit record is shot away and i'm in the middle of suing the bank for over £4000, which they WILL refund me - I can't why I'd want it really, or why you'd want to give it to me'................but he wasn't........oh well, maybe I wouldn't have been that brave in reality.........