My debt free diary

girlracer

ok got to be careful with the pounds this week. I owe £16 to t licensing, £400 o my mum £10 of rent to show willing. Havent had a credit card statement yet so gonna make a payment as its normally here by now. Had a row with provident and had to write a letteer of complaaint, won go into i but i dont appreciate snotty txts by the collector. Naylors £16 on wednesday. not heard from credit union yet, did phone the thursday they said it hasnt been looked at yet. got some baby bargains from car boot and freecycle is serving me well at the moment too. going to try and stay positive, lets see how that goes lol
Just need to send my assignment up at the library for ptlls. hopefully ill remember my usb stick this time.

girlracer

ok cards on the table i have updated my signature to display the true amounts of whats owing, i need to be honest with myself.
How was your weekend? mine was emotinal, stressful and tiring woke up on saturday to a letter from my housing association treatening eviction for arrears, i broke down, i havent avoided paying at all but you know its one thing after another, so after talking to my partner he gave me £20 and we paid it straight away. The arrers are mainly because i haad an overpayment of housing benefit and despite me telling them i couldnt afford to cover what they took they said i could.
Er well obviously not. Anyway they are taking the last £20 this month then september will be full rent onwards, so ive wrote an email to my HA and offered £20 per week, they also get £13.60 from my benefits each month. so they will have £93.60 pcm to cover arrears. I will still phone them. Anyway to do this i have wrote to my debtors asking to reduce my monthly payments.Ive asked to pay prov 2 £8 a month instead of £42, naylors £12 instead of £64pcm. homebuy to take whatever money is in the telly as im struggling to get up to £69 payment. and asked vanquis to freeze interest and charges. Still not heard from nottingham credit unionso will be phoning them. Its been 5 weeks now and i wanted that money for the rent.

girlracer

£45 charges taken from my bank:( must be more careful Rang HA, they said i have to pay £10.20 a week, i did offer £20 but she said 10.20 would be the minimum. Phoned ncu, got turned down for the loan. Main thing is i sorted my housing out.
Naylors have been brill and accepted payment of £5 a week said we could review at end of august. Just need to contact vanquis, provident and homebuy now. Got letters to send but email may be quicker. im £24 over my limit on vanquis, if i clear that they may be more reasonable.. i hope.
Just an afterthought, im going to write to nationwide and vanquis and see if i could get my charges back.

girlracer

Naylors have been brill and accepted the £5 a week. i explained it was only temporary and they said its fine as im not trying to avoid paying them. Which i wouldnt do anyway. next week a few payments, £10.20 to rent, £30 to cc must do that tuesday so i dont get charged late payment fee. Ive cut up my cc, well OH did and i didnt try and stop him. Car insurance due thats gone up by £20 a month. I might see if i can get on a comparison website and see if i can get it cheaper.May have to put £10 each on gas and electric and £11.20 to tv licence. I used my tax credits this week to stock up the freezer so should have a few dinners to last the week, Provident havent been round since i had a barney with them,but ive had a letter saying they have recieved it and they will be in touch. put in for a DHP discretionary housing payment to help towards the rent and the money HB took off.
However im going to send it of and forget about it because i cant get my hopes up. HB due monday then normal payments resume. so skint now. God knows how im going to make it to monday im expecting lots of arguments with OH over this.

Been doctors and got my creams for my psoriasis. need to keep on top of this as ive let it get worse. Stress is not good for it. 21 weeks till i have a baby! How much debt can i get rid of before then!

girlracer

I have just been accepted for a capital one classic card at 34.9% apr which is a little cheaper than the 39% apr im paying with vanquis at the moment Dont know what to do with it - What bill to pay off with it, i could do with getting rid of vanquis
Also bidded on a house today its lovely its a brand new 3 bed new build but it only went on today so will see tuesday night how my queue position is

Im so skint atm im at the MIL as OH is doing there flooring we got here on no petrol at all god knows how we will get back
Roll on monday wish i could sleep till then - its not good at all
Capital one is from £200 limit i think that will be all i get but again we will see

Need to get onto HA regarding the plastering in the 3rd bedroom so i can get my radiator rehung
Oh need a miracle
Sorry for being on a downer ........

girlracer

Going to try and get back on track this week, Ive emailed the council for another dhp form as the other got soaked in tea, whoops. Emailed the contractor who was meant to be doing plastering and windows as they text me saying they are coming on friday but not sure what job they are doing. Hopefully the plastering so i can get the radiator rehung and get the babys room done. Had a letter about insulation to my home, the last guy didnt carry out the work correctly so they will have to come back round. Which reminds me about the extractor my landlord was meant to sort, Better send another email. Still need to send letters, had no money to even buy stamps. Waiting to hear from homebuy about reduced payments, he came the other dayso i gave him the letter. Well cant give them what i dont have. Provident didnt come again friday. Going to try and make a £16 payment to naylors this wednesday and must pay vanquis at least £30. 2 weeks 3 days til the kids are back at school, need uniforms for them and waiting on healthy start vouchers.

girlracer

well this weekend i cleaned and washed the car. need a new number plate at the cost of £16.99 and sent some emails to get a price of a new wing mirror. HB due tomorrow. worked out if i keep paying £10.20 towards rent arrears it will be cleared by feb 2012, ideally i want to clear it before xmas, obv having baby in january so want to clear as much as possible. So may have to pay a tiny bit extra towards rent. Should be ok as obv this is a priority. So when i get my cap 1 card i intend to clear vanquis as cap one has a cheaper apr. I will then concentrate on getting rid of naylors. Need to send letters regarding getting my charge back from nationwide and vanquis. That would be around £100 towards debt. FIL has loads of cds he doesnt want so gonna get OH to get them and i will music magpie them hehe. Got some stuff to sell from when i cleaned the shed so must advertise them. I havent enough to do a car boot. 9 days till i find out the sex of my baby Cant wait. Wish i could afford a new car. MIL has just got one and im jealous but i wouldnt admit it to her.
Hoping the contractors come friday to plaster the wall, then got to phone another company to rehang the radiator. Its been hard trying to get stuff done without talktime on my phone. Emails have been flying all over the place. Anyway im whittling so off to finish the housework have a brew and chill! have a great week!

girlracer

Had my Cap one pin through yesterday, hope the card is there when i get home so i can pay vanquis
got a 200 credit limit as i saw it on my online access
was hoping for a bit more but it will save a missed payment on vanquis

Betty_Crumble

girlracer wrote: »

Had my Cap one pin through yesterday, hope the card is there when i get home so i can pay vanquis
got a 200 credit limit as i saw it on my online access
was hoping for a bit more but it will save a missed payment on vanquis

hi, hope you dont mind me butting in but I really hope you do pay the whole £200 off Vanquis and then the rest so that you can cut it up, otherwise you will just be £200 more in debt. Sorry if that sounds harsh just want to see you out of your pickle. Good Luck chuck.

girlracer

Hi, yes i will not be putting the full 200 on my cap1 card as i will get charged interest and then charged an overlimit fee. Vanquis is already cut up.

Plastering done in 3rd bedroom. Radiator to be rehung 7th sept, insulating on 5th. Got my pin for cap1, just waiting on the card. Got a halifaxeasycash account. DHP sent back to council. £10.20 to rent, had a letter back from provident and they have apoligised and sent me a payment card to pay in future. OH and MIL doing a car boot soon. Going to pay vanquis of by end of october and then conquer naylors.Need to get a no uninvited callers sticker, sick of people trying to sell me stuff at the door. Trying to help FIL sell his old car, he has said when they do he will help us out. Well OH has done alot of decorating and laminate laying for them. 2 week till kids go back to school. Still need a few bits for their uniform.
Anyway my vanquis is currently £278.91. Im going to pay £158.91 and the rest week beginning 5th september.