My Very Long Journey

Herewego

Well done on treating yourself, I'm a bit like you with the guilt thing but it means this debt busting is working.

Woowoo

Enjoy the new bag and no feeling guilty, your OH wanted to treat you and you haven't affected your budget by getting it x

Desperate_to_be_debt_free

Not feeling at my best today. Got no money for debt busting and it's the middle of the month blues. Have not heard anything off Studio about the reclaiming of fees and have had no response for the DCA regarding the F&F. At east everything is paid up to date even if I can't make any additional payments.....

Desperate_to_be_debt_free

Went to work today without a penny in my purse, that's the first time that has happened in a long while. Am so skint am actually waiting for child benefit to hit the bank account tomorrow. Am working a long day tomorrow and again on Wednesday so am ploughing away at the overtime to get some extra money together. Am going away 4 weeks today and am working hard to get some extra money together to spend. Am itching to open the £2 saving jar but know if I open it now it'll all be gone by the time I go away. I wish I had willpower!

Woowoo

Resist resist you'll only regret it in 4 weeks time when it's all gone!

At least long days at work should mean no need to spend money!

Herewego

I think its good to go to work without any money i think i will adopt that policy for the whole of July and see if it makes much difference.
Dont open the £2 coins until the last minute.... and if you find "WILLPOWER" please send it my way it may keep me of the carp food looks like we will be going away in 5 weeks and need to get a few lbs off

Desperate_to_be_debt_free

Long days at work = no time to spend money. Not touched the £2 yet and I'm quite proud of myself I've also had a letter back from Studio stating that theyll refund me £36 worth of charges which they say brings my balance down to £170 so how come the debt company are asking me for £275? I've e-mailed the DCA again and have had a letter back stating that a response to my complaint and F&F settlement is in the post. Something to look forward to......

Not much debt busting taking place on my side of the globe ately but I am still keeping on top of the payments so that's good.

13 days until payday - 25 days until holidays

Woowoo

Looking forward to hearing what response you finally get regarding your F & F, you have been waiting ages for that one! Fingers crossed it's what you want to hear x

I haven't managed to make any major progress this month, but total still went down by around £150 so not too bad.

Desperate_to_be_debt_free

Hello everyone, long time no speak. Well I've had a response back from Studion and they have refunded me £36 which is the full amount of charges. They state in their letter that my baance is now down to £170. Also had a letter back off the DCA regarding the F&F, they have refused £98 but will accept £197 bearing in mind according to Studio I ony owe £170 ????? Will need to put a letter together asking the DCA for a breakdown. May even ask if the account can be passed back to Studio because the DCA are a bunch of idiots.....

Nothing else happening in life. One more week in work then I'm off on holidays

Woowoo

Morning

What a bunch of muppets the DCA's are! Hope you get it resolved soon x