Debt Free by 40 Debt Diary

oakdale_minx

GGRRRRRR........I am cross with myself!! :mad:

I'm a webmaster by trade and I'm online from just after 8am until, well , around now, and I've ALWAYS got my email open. :rolleyes:

IMS, who I've started doing the merchandising and auditing jobs for ,release their work online at 7am and 7pm.

I checked at 7.05 pm to see if there was anything for my on my profile - nothing.

I decided to get away from the computer. I weeded for a bit, I watched Big Brothers Little Brother, got a bath, put the dinner on, came back to MSE......at 9.15 I realised my email was off, opened it up and sitting there, at 7.21 was an email from IMS saying there were NINE calls for my area. I logged on, knowing the inevitable - all gone......all I can hope is that someone drops out and they call me. I'm on holiday tomorrow and Friday so would have been around !!

Even 3 or 4 of the calls would have netted my between £40 and £100 depending on how long each would have took.

GGRRRR.......:mad: :mad: ...the stupid weeds can wait now and we all already know Pete will walk it on BB - that's the last time I walk away from my email for a couple of hours!!!

oakdale_minx

Fell very down today.

I've got two days holiday, and it's bad enough that the only thing I can think of doing with them is studying. And I can't be bothered to do that.

My hayfever today is bad - really bad. I actually feel ill. I've closed all the windows and it's only 9am

Now have all the CC statements for this month, so decided to do an 'official' calculation of what I owe. I'd guessed the CC's plus o/d to be 5,500 - it isn't, it's nearer £6,000. I have £35 of my overdraft left and I've got £27 on its way over from Paypal, so I'm going to use them tomorrow to pay off my lowest debt - the Capital One card with £60 on it.

I also get paid tomorrow , so I'll be making the payments on the other cc's, but it will only be the minimum payment on each this month

Have to go to the PO today to post an ebay parcel, send a DPA letter to the Abbey and get my car tax. God, that car tax is a pain. I can't decide whether to scrabble around on the floor finding all the documents, or do it online tomorrow. I guess as long as I buy it tomorrow and its on its way then they won't do me for not having a valid tax disc displayed for the first couple of days of July.

Fell asleep on the sofa late last night and was woken up by my OH telling me that I should be applying for a 0% BT Natwest on the TV. I said it wouldn't be worth it as I wouldn't get it. I know I wouldn't because I applied about 2 months ago and got turned down. This is after the woman on the phone had assured me that I'd definitely 100% been accepted. I expect she gets a commission for every applicant that she gets.

My OH seems to think that if I get a new CC it will have this magical £6000 limit on it that I can transfer everything onto at a rate of 0%. I'm not sure what planet he lives on sometimes....

The stupid thing is, Ican't even be bothered to go and splurge. I feel so poo that I'm almost expecting to find myself down the shops spending £100 on a new outift - and now it's mix of being unmotivated and a big bell going off in my head if I dare spend any money - a good thing I guess, but I've not even been out for a drink for over a month, and I can't even be bothered to do that.

Sorry to moan........my hayfever is making me feel so lousy today

oakdale_minx

Not sure whether to laugh or cry......laugh I think at what's just happened!!

I went to the PO to post my ebay parcel and to get a stamp for my DPA letter to the Abbey for my old statements. I'd applied online back in March for them, but they never came and then I realised I'd have to send the £10 fee.

I saw the postie as I drove down the road and nearly stopped. Went to the PO and asked the guy to put the letter inthe bag rather than me putting in the box (good decision it turns out!!!) and came home.

Yep........you guessed it.........on the doormat was a bit fat envelope from the Abbey. I thought it was a bit big and fat to be telling me they weren't going to pay my other claim for charges, and I couldn't believe it when I opened it. The four years worth of statements I'd applied for back in March. Delivered 10 minutes after I'd posted a cheque to request them formally!!!!

I was back in the car and hurtled off . The queue was huge in the PO (pension day as well as car tax day!) and with it being a sub post office it was just one man on the counter. I asked him for the letter , he rummaged and gave it to me - I was sooooo happy!!!!

Madness - what are the chances of that happening!!!

So, I'm now sat here with 4 years worth of statements.........this is going to be a frighteningly high figure..........time to rummage for a highlighter.....although it isn't hard to pick out the charges -there are just loads of them.........

CosmoCat

hey there (or should i say hay there!)

as a fellow hay fever sufferer i know exactly how it can make you feel. not much i can say but jump in the shower, it washes off the pollen off you and makes you feel better.

well done for getting your £10 back!! and for getting your statements. i hope this is a mark of the day turning around for you.

you're doing so well. keep it up.

oakdale_minx

From mid 2001 (I became very ill, which is when it all started) until I sorted myself out when I became better at the end of 2003, I incurred

£2,734.50 in bank charges.........:eek: :eek: :eek:

That's on top of the £610 I'm already claiming back.......

I keep almost crying - I think it's shock more than anything else.....I'll be ok once I get over it. My OH will fall off his chair tonight when I tell him. It's before we got together so I don't mind telling him the figure. In his job, he spends a lot of time working with the courts, adjudications and mediations and knows the small claims court inside out making claims for clients......he sounded excited when he found out Ihad a claim for £610, he can't wait for me to put my claim in - he wants to help me make sure I do it right - god knows what he will say to another £2,734.50..........

Think the shower is definitely needed to clear my head now melabarrie - it is killing me!!

gallygirl

WOW that's humungous, can't wait to hear the progress of you getting it back!!!!

(and then the party!!!!!):beer: :beer: :beer: :beer:

oakdale_minx

I know ali007.....that's on top of the 610, plus 8% interest.......it will clear over half of my CC's and overdraft total......and I'm going for some really old CC charge from closed accounts - I don't like to rely on it happening, although I know it will eventually because everyone else is getting theirs back, but I'll believe it when it happens!

busy busy busy day today financially.

Payday, so paid the CC's online, all minimum payments, but, I paid off my lowest debt!!!! YYYaaaayYYY!!

Well, ok, it was £60, but, it's still one gone!!

Done a letter for the Natwest to request two bank charges back, will send that off.

I re-did my sums on the Abbey claim and found another £60 in charges I'd missed yesterday, so the new sum is £2794.50. I need to do a schedule of the charges so that will take me a while to type out.

Had a letter from citicards about my old Associates card - they've found the old account number which isfab news, but as i've moved since the card was closed, I need to fill in a form and send some ID. I've filled in the form and will get that together. It needs an A4 envelope though, so that might have to wait until I buy some later today.

Sent off for the car tax, so that should arrive in the next day or so.

Told my OH that i'd managed to plan all the monthly shopping to come in at £120 (remember , I was spending £350+ a month when i discovered MSE last year!) and he said - no you are only 'allowed' £20 a week for shopping........quick as a flash, I said back 'only £20?? aahh yes, I forgot, you weren't going to eat here unless you gave me some money'.......he didn't say any more, as he's not given me any money since this all came out two weeks ago, and he's still eating here every night.

Printed off the meal planner for the week ahead and put it on the fridge.

My sister phoned and I told her all about the joys of buying clothes off ebay - she is losing weight (wish I was!) and needs smaller clothes, but has no money - she hadn't thought about buying them off ebay! So , she's off to Next and New Look tomorrow to see what size she needs, then is going to look at buying a few bits off ebay - my MSE good deed for the day!

Typing the schedule of charges is going to take me ages. Sigh....It's getting me out of doing my OU work which is good because I keep pushing it to the bottom of the pile, but I must try to do some today!!!!

gallygirl

:j :j :j :j superb progress but make OH pay his way!!!!!!!

oakdale_minx

Wonder what today will bring........other than sniffing and sneezing!

Typed all my charges into the fab CAG spreadsheet so have that, along with a letter to the Nat west to send off. Citicards want ID so that will need to go recorded delivery. Going to go to the PO very early as it's going to be scorching here today and I really hate the heat.

Another bad hayfever day. Just had a mad sneezing fit all over the DFW board. Not nice!!! :eek: :eek: :eek:

Signed up with another market research company, so will see what they post to me to fill in. Was hoping to hear back from AQA, but nothing yet either way.

Off to do my gapbuster mystery shopping this morning. Will only take 5 minutes and will earn me £6 and I'll get back the £5 I have to spend in store.

Got a gapbuster email overnight with some small assignments, but the email had taken three days to arrive and they'd all gone unfortunately.

Cancelled the monthly shopping I'd done with Tesco as it will arrive before my money from my merchandising jobs will arrive as well as the £35 or so I'll get from Greasypalm this month. After doing the sums if I had the shopping delivered next week, my a/c would go £40 over its limit, so I'd rather carry on shopping weekly knowing the money is coming into my account in dribs and drabs and I won't be needlessly incurring any charges (hopefully).

Didn't do any OU work yesterday. Have to write the essay next weekend, so need to get my bum in gear and do some reading today and tomorrow. :rolleyes:

Made a big yoghurt cake last night from the reipce database onthe OS board. Put a tin of peaches at the bottom of the cake tin then turned it upside down when it was cooked. Was ok actually, amazing that vegetable oil can work in a cake. Still 3/4 left, but I'm sure it will be a lot less by the end of the day!!!!

After finding some of the herbal essences shampoo with the free cut and blow dry on ,I'm pretty chuffed. I have the hair of a mad scarecrow , so it will be a welcome freebie.

Aaaaaaaaaatcchoooooooo!!!!!!

Sorry.............:o

gallygirl

well done you! v busy & motivated. hadn't heard of gapbusters so will investigate.

what ou course are you doing? (or not!!! get on with that assignment!!!)