sj`s diary

savingmummy

Postman has still brought nothing. Its nice to not get anything mind you

I have the money put aside for when the bill arrives. If I put it in the bank and pay online it will be classed as a top up payment so I need the actual bill to come before I pay - lesson learnt from before!
I would imagine its due anytime soon!

I know its not good to `wish your life away`. BUT I`m so keen to get these months to whizz by! I just keep wanting the next repayment dates to come :rotfl:

My poor father collapsed in this heat while out shopping and was rushed to hospital by ambulance. Thankfully it wasn`t anything major, but he had dehydrated! He was very confused once he came round and was put on a drip to speed up his recovery. Was very worrying awaiting the tests to come back.
PLEASE ensure you encourage people to drink plenty, in this hot weather you should double your intake. AND tea and coffee isn't enough to keep you hydrated!
Dad is fine now after rest and lots of drinking now his home, his got a nasty cut to his forearm though

savingmummy

Postman finally brought the final debt for this month, paid £50 :j
Its now well under £100 and if I`ve calculated right JUST over £50 now!


I was at my parents today and dad shocked me by saying `how much are your debts? I want to clear them!`
I`ve not told my parents I am in debt again and I certainly haven't made it obvious.
SO I told him I had none and left it at that.

I am going to throw all I can at the 3 debts next month, so am currently swagbucking and saving where I can!

---

Just added up and am now owing £216.04


1 - £34.41
2 - £61.18
3 - £120.45


1 - will pay off completely next month!!!
2 - Hope to pay £30 off
3 - WILL pay £50 - and throw any extra I have!

savingmummy

Postman walked past my window this morning that's a lovely feeling
All our household bills are paid direct debit so anything official that comes via the postman is a debt of some kind.


Its a lovely feeling to see the accounts I`ve closed seem to finally have my details off their systems, and therefore no longer sending me stuff.


I am going to try and pay cat 1 and cat 2 off in total next month.
I see no reason not too at the moment, only thing to get in the way is if something goes wrong financially ie, emergency which is slim tbh!
The total is £95.59 to be paid in July.
THEN I will pay off cat 3 in full in August and then I WILL BE DEBTFREE!!!

savingmummy

This morning the postman delivered a letter which I opened and I let out a HUGE :eek:
It was from the bank saying I had insufficient funds in my bank for payments made on the 16th and that I was now in an unplanned overdraft and was being charged £10 a day plus interest and fees :eek:


I immediately went online and looked at my account and couldn't believe it. The payment I had made to the high apr catalogue had gone through TWICE not ONCE!!
BUT the catalogue had put the second payment back into my bank account yesterday - obviously noticed the error!


When I paid it on the 16th an error came up saying `sorry your transaction couldn't be processed try again`.
SO I did and little did I know the `error` had in fact working!!


I rushed down to the bank to explain and was almost called a liar :mad:
The woman looked at my account which clearly showed I had put the money in my account then on the same day paid TWICE the same amount. Eventually after a lot of puffing and blowing she went on the computer and has told me the charges will be dropped.


I am now worried to pay online incase this happens again, I`m also worried I WILL get charged as this lady wasn`t very convincing ;(

savingmummy

Well I have got over the shock :rotfl:


Postman came this morning with a thames water letter.........:eek: I though BUT it was to say they have put £30 into the water bill account :j
Apparently they carried out works and the water was not turned on in the time frame they set - I had no idea of this LOL!
I`m relieved as this will compensate for the interior water leak we had.

savingmummy

Had a good morning today :j


Cashed in £10 paypal with swagbucks!


Then I spotted someone talking about mysurveys and how good it was.
SO I popped along to sign up, BUT it said my email already existed. Tried to get password resent to my email but it said my account had been deactivated.
I contacted them asking for it to be reactivated, its been reactivated and when I logged in I have enough to cash in for £10 paypal :j
And just over 400points to be going along with.


SO £20 earnt today and for FREE!

savingmummy

Just cashed in £5 paypal through mysurvey - That's £25 going in to my paypal in the next week or so!
ALL free!!


I am now just waiting for the 3 debts to come in and get paying them off :j

savingmummy

ARGH!!!!!!!!!!!!!!!!!!!!
The car has broken down :mad:


God only knows what we will do to be completely honest.
It was fine this morning then this afternoon it started chugging, spitting and conking out


DH can`t do his extra jobs, hoping and praying he don`t lose them completely - I fear they will find a replacement :mad:


NOW this is when it all goes wrong for us!!!

savingmummy

Well so far we still have no idea whats wrong with the car, dh has been unable to do his evening job and his worrying they will get him replaced now ;(


I`m trying not to worry about it, I`m praying its something stupid and easily fixed. IF its !!!!!!ed then I will panic!!!


Just cashed in another £5 with mysurvey - I`m lovin that site right now. The surveys are coming via email thick and fast AND all credit and are easy to do!

savingmummy

The car is fixed :j
Hubby is out doing his evening job as I type :j
£15 went into paypal today :j


Its been a good day :j


SO the car cost just £40 was the black coil thingy that had gone.
SO relieved its done and that it didn't turn into a huge drama!!


I`m awaiting another £15 to go into paypal then I can transfer the £30 into my bank and pay off a debt in FULL!!


SO