elantan's diary 2 July 2006 at 5:43PM in Debt free diaries 1.4K replies 37.2K views

elantan

hey everyone,:D thought id better start a diary ..i've seen a few here and found them witty, interesting and full of loads of advice ..now i deff can't promise anyone that as i'm quite a droll person:rotfl: :rotfl: but hopefully you guy's and gals can supply that for me:T (as i'm totally useless) i also noticed that i keep starting new threads and taking up valuable space that others can use:o ..so i'm gonna keep it to this one ...quick update..for those who havn't met me before ..i posted my s.o.a here just over a week ago ..the help i have recieved has been overwhelming:T :T :T ..ive taken on board all that has been said and adapted alot of the advice;) takeaway's are down to £50 a month now:D ...have fianlly spoke to nephew and as i suspected he was well up for it ..it deff was me with the problem there:p ..i was just so scared of the conversation...this week i have organised a car boot sale which we had today ...my son and i made £16.50 each after expenses ..unfortunatley we got rained out early (lightening storms) and we landed bringing back alot of the stuff:mad: ..currently it doesn't look like it will be a weekly event ...but you never know....one of the teramundi's have arrived :j ( another saving scheme i'm trying to get off the ground)...i'm still waiting for snowball (piggy bank) to arrive...hopefully this week...i've even put some things on amazon ...so this week i have had two firsts...a carboot sale and putting stuff on amazon ...thank you everyone for your support ....

p.s forgot to add i have started the ball rolling with changing accounts to r.b.s for the £100 and written to the tax man re: paying too much ..it can't hurt can it ...

newleaf

That's great news! I'm glad it went well with your nephew, I was wondering if you had got round to it, and how it had gone down. From what you had said about your history together I thought it wouldn't be a problem somehow. Well done! :T

ozzyfan_2

Hey elantan

What a great first week you've had, well done! :T

Shame about the weather for your boot sale but at least you're £16.50 richer than you were this morning :j

Looking forward to reading your diary & following your progress so good luck with everything :beer:

xx

pattiemay

well done for doing the car boot, I was wondering how you got on, you've made a start and thats the main thing!:T

CosmoCat

well this is another diary i will be checking regularly to see how you do.

well done on all your progress :T

PeachPickle

Bad luck with the carboot weather! Looks like you're doing well tho

elantan

now this one started before i joined this site ..but i just have to tell you all anyway ( ifeel like were family lol) on the 19th may i was involved in a car accident so couldn't work for nearly 6 weeks ..had to get the car sorted etc..my neck still hurts (just hope that does get better) now about 2-3 weeks ago i was checking through all my paperwork(mountains of stuff) i found out i had taken out sickness/redundancy insurance with my car when i bought it ..this type of behaviour really isn't me ..firstly the hubby buys things like cars etc...(he did have what we thought was a great wage at one point) secondly we never ever take the insurance ..and due to the fact that i was so hopeless with the finances i had forgotten/didn't know:o ...anyway having found this out i put a claim in for them to pay for the car ..found out they would only pay £100 or so but thought ..hey ok it's £100 i wont need to find out of my s.s.p (really really not looking forward to next months wage) ..so there i was filling forms in etc ..then i got a letter through today saying they wern't gonna pay out ..so i phoned ..and they said i didn't meet the conditions for recieving a payment ..but i was off work for weeks ..this wasn't good enough they said..then they said they had to have radiography evidence or i had to be seeing an orthopaedic ..arghhhh:mad: :mad: :mad: ..so needless to say i've cancelled my insurance with them ..sorry everyone just had to moan there:p ...but on the bright side i've saved my self the premiums every month :j ..

elantan

today my son flew out to benidorm (going with gran and pap's we just can't afford to go or take him) but before he went he asked me to put his money for the week (still get's £5 a week for gf) into the debt tub i didn't know whether to kiss him or what ..the thing is i sneakily had planned to spend that money on a treat:o ....but my son has once again kicked me into reality;) ...so as soon as snowball arrives the money will go to give him his first feed:D

gallygirl

elantan wrote:

today my son flew out to benidorm (going with gran and pap's we just can't afford to go or take him) but before he went he asked me to put his money for the week (still get's £5 a week for gf) into the debt tub i didn't know whether to kiss him or what ..the thing is i sneakily had planned to spend that money on a treat:o ....but my son has once again kicked me into reality;) ...so as soon as snowball arrives the money will go to give him his first feed:D

aw bless, sons can be v sweet....... occasionally!!!!!

elantan

well today i decided to check out my gas and electricity again..now i checked it out only a few months ago and thought i was getting a better deal ..but didn't manage to pin down the cs on exactly how much gas and electricity i was using ..so today i spent quite a while on the phone finding out exactly everything i need to know ....now this one really shocked me we use over 40,000 kwh of gas a year:eek: :eek: WOW that is utterly ridiculous ..i'm gonna hve to come up with some way to decrease that one ..we use 5200 khw electricity a year also ..(i don't know is that normal?) ..so anyway's got on the web site for changing and found a cheaper supplier by £400 a year ..so i changed...even if i don't save the £400 only say £200 it's still a saving ..now i need to get our gas usage down ..i'm starting to get the hang of this all now but still need help so any advice from anyone is welcome..oh and the r.b.s pack arrived i'm having second thoughts i know it's £100 which i could do with especially after the fiasco the other day with the insurance (and this months s.s.p) but it will mean changing accounts etc..can i be bothered ..i just don't know ..any advice ..would you do it?

newleaf

I changed my current account a while ago and it all went well - they sort everything out for you with your direct debits and stuff, so I'd say yes, go for it.
Re your accident, sorry to hear about that. My friend was in a crash a while ago and next day she complained to me her neck hurt. I made her go to A/E, she didn't want to go, and to be honest the staff there seemed pretty unimpressed with her story, but I was so glad I did because she eventually made a claim for whiplash injury on the other party's insurance and got a very nice payout. Her solicitor said she wouldn't have got anything if she hadn't had some meical evidence to back it up - so my annoying insistence on driving her to casualty and staying to make sure she waited to be seen paid off! I hope to God you never have another accident, but if you do, make sure you get yourself to A/E if anything hurts. Insurance companies will do anything to avoid paying out and to be honest I think most insurance policies are a complete rip off and waste of time.