My debt free diary

Cialilerin

My mom does all my sewing bits as well, I can sew on buttons and that's about it. I've even brought the kids things into work to see if any of my colleagues can take things in!

girlracer

Well everythings a bit mad atm
got my cheque for college funding, paid it into my account, my hb has gone in there so has my chb, i/s and ctc
Howeveri put an expired card in the cash point ( didnt realise at the time ) it took my card and i rang tesco to cancel it, then that night opened up my purse to find the new card , put that in cashpoint, and it took it, cos obv i had cancelled it
grrrr
new new card still not come through. it needs to be here tomorrow because i really do have nothing.
college going ok, bit slow not sure the tutor even know what he is doing

I have some work on saturday, doing traffic surveys its not regular work but need the money
£6.75 ph plus 19p per mile it takes me to get there
that will go in the pot

Looking at an exchange at the moment i love my house, but would prefer a bigger 3rd bedroom and a driveway so i can work on my cars but dont want to move far cos not changing the kids schools

credit report is clearing nicely which is good cos i need a current account
AGAIN
just more for my car insurance than anything else
and going to save some money by using the food i got in the freezer and cupboards etc cos it needs using

oh yh and ive got to stop getting so angry and stress im going to see aboutseeing a counsellor because im getting so peeved with everything atm and i used to be so chilled out and im mad at myself for becoming something im not

Nic xx

Cialilerin

Hi, Just checking you are OK!!

girlracer

hey its been a while, i am fine thanks ciarillian how r u ?

Well i finally got a job working at morrisons its not brill but its a job so im happy and it fits in nicely with college days
also made some extra money delivering yellow pages waiting on the cheques atm
Picked up a vauxhall tigra of my cousins wifes brother paid £50 for it, its in good condition and runs well, had a stereo in it, that alone is worth what i paid for the car, so im just doing a bit of work to it and selling it on
doing well on my cc payments havent missed a payment
i have invested in a tumble dryer tho i do feel i needed it, dont think i could get through the winter months without it i got it through homebuy so i got a box wired to the tv have to put pound coins in to keep the tv on one pound eutes to 4 hrs tv and they come to collect my payment very fortnight and anything extra i get given back but it goes straight back in the tv again

still trying to get these council tax bills down and now cos im working im having to sort my hb forms out again but hoping i can be efficient and organised and it will all go through smoothly
dont know if im due another payment from college for this term not entirely sure
however i have applied for alg, its £30 pw but they are dragging there heels
they owe me £240 upto now
well im going to help my sis clear the garage so we can sell some stuff to help her clear her debts
i will be back soon
byeeeeee for now

Cialilerin

Well done on the job - do you get staff discount as well?? Sounds like you're really starting to get things sorted!

girlracer

Cialilerin wrote: »

Well done on the job - do you get staff discount as well?? Sounds like you're really starting to get things sorted!

Im getting there slowly but surely
no staff discount at the mo, have to be there 13 weeks
Hope your well

girlracer

Well tigra gone, got a scrap yard to pick it up, wouldve cost to much time and money, something i dont have alot off at the moment
still working for morrisons it is getting on my nerves a bit but its a job so just gotta get on with it

Got my cheques for delivering the yellow pages and got a cheque for £9.80 for selling an old mobile
still trying to sort money for college they owe me quite alot now
gutted all my wages went on my rent becuse once again housing benefit messed up, getting really sick of it now

looking into another course at the mo to see if i can go into teaching mechanics when im fully qualified

girlracer

should have said on last post i got £100 for that tigra
well had to give up my job already thanks to the benefit system being a complete farce
i was working 11 hours a week and i was worse of by £35 pw
and they said because i was college 15 hours a wk i couldnt work and go college and claim i/s so i said i want giving up my course now... i have worked to damn hard
anyway that means once again housing benfit is in a mess and i got to wait on my chb letter and bank statement to come through so i can send them off
asked college for funding of £265 to cover my rent, still waiting to hear on that
and my alg for college is taking so long that if they if they turn round and say no now i will go mad
vanquis have really annoyed me £25 in interest charges alone so when i get my i/s i am paying some off it and going to try and clear it and get rid, im not that desperate for money
college going well im back on track i think
looking at doing a teaching course so when im fully qualified as a mechanic i can teach the subject also
want to really push on with getting these ct bills down but obviously my main concern at the moment is making sure the rent is paid and hb sort it out asap

OH Y IS THERE ALWAYS SOMETHING MAJOR STRESSFUL RIGHT NEAR CHRISTMAS

On a good note i managed to get a flat for my sister of a friend its in a lovely area 3 beds and i really hope it will help her sort heself out and get more positive about things
well i best go and do some work

back soon

xxxxx

girlracer

well as i havent been on for a whie im going to put some dates in starting with hb. i got a part payment on saturday of £260 which i paid immediately. the next payment of £586.66 is due on 12.12.10 Then i will get regular monthly payments of £318.96 so from the back payment £240 is mine, after arrears cleared as i used my wages to cover them. Paying vanquis 2morow and may use some of the 240 to clear the cc. My i.s starts on 16th dec need to pay £40 ct1 and £60 ct2 Need £180 for rest of xmas pressies. alg said they are assessing my claim and i should hear something some so should either not be eligible or get a £300 backpayment. Should get another £140 from college in jan.
Havent really got anything to ebay now as i sorted the shed out that was filled with MIL stuff and gave it away on freecycle, so shed is clear now to get rabbit hutches in. Need my alg tho, £50 for gas £50 for electric and £50 for petrol. The rest i will put aside.

Cialilerin

Hi, How you doing? Ready for Christmas???