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My debt free diary

11617182022

Comments

  • A bit stressed out this weekend. The drain to my sink has been leaking and water is everywhere.Havent had the means to contact my landlord so been stuck. Dont feel like OH is pulling his weight to pay debts off and its peeing me right off. So sick of talking to him just lately. Gonna try and pay off loans at home and if OH wants a loan he can get it in his own bloomin name. Gonna have to get a job once baby is born, OH made onbe attempt to phone for one and because they didnt answer, he didnt try again. He needs to buck his ideas up quick, cos im not afraid to do it by myself. Anyway moan moan moan.

    Must do cv this week and upload to job sites. Have updated sig too
    Weight loss 3stone 4lbs
  • girlracer
    girlracer Posts: 383 Forumite
    Still very tired at the moment and in a tiz. Had a threatening letter from tv licence as its not been paid got to find £50.30 to pay that. Need to pay cap one naylors rent and lah4u this week. Start yellow pages next week. Hope it cools down. Still not hheard from landlord re windows, will give them till the end of week or i will escalate the complaint. OH applied for job but they need birth certificate and its been an absolute !!!! trying to get a copy. Mum brought me a big piggy bank and change is going in, will empty when it gets heavy and see what i can pay off with it. We need to pay for buggy by 3rd december. Good news is vanquis gave me £100 back through charges and interest. Need FIL to get his auction crap out of my shed too, cos hes cluttered his house with it, he wont be cluttering mine.
    Weight loss 3stone 4lbs
  • girlracer
    girlracer Posts: 383 Forumite
    OH may have a job, they rang friday morning and said the jobs his but they were waiting for the employer to get in touch. Start yellow pages tomorrow, my sis is having kids while i pick books up. Peed off that vanquis havent refunded charges yet, need to sort car insurance out too. Stress Paid tv licence £15.20 so gotta find £35 to get them off my case. Generally fed up atm. Landlord emailed saying that no major work would be done to property till new budget in april, even then i doubt there will be no guarentee that the house gets done.

    Just keep paying what i can. Im trying not to take out another lah4u loan no matter how bad things get. Just checked rent and made an error again. I do owe less which is great, hb is responsible for 4 weeks and for some crazy reason i added a week onto my arrears, so now i owe 3 weeks rent which is great. But will keep an eye on it for when the next hb goes on which is the 17th
    Weight loss 3stone 4lbs
  • girlracer
    girlracer Posts: 383 Forumite
    been very stressed and unwell. Putting it down to pregnancy. Had a letter from tv licencing, as i paid the £15 they reinstated it, i just have to pay the rest i owe in installments. Got 3 rounds off deya now as they asked me to do extra. FIL and MIL and OH helping tomorrow and saturday to clear them. Must check rent monday to ensure im right about how much i owe. An strong letter was sent to vanquis yesterday as they still havent refunded me and ive given them 7 days to do it before i escalate it. Loans at home guy getting on my wick, every week he comes and says about another loan. Idiot Right need sleep
    Weight loss 3stone 4lbs
  • girlracer
    girlracer Posts: 383 Forumite
    Have done my yellow pages, 3 rounds, feet full of blisters and very tired being 28 weeks pregnant.Got babys room finished just need some moses basket sheets. Need to get ebayingFIL stuff, need the shed back as xmas stuff is all in there. Think im nesting way to early, i am wanting to clean and clear everything. This week i need to pay £10.20 to rent, the rent is now down to £173 from 400 odd, so very pleased. LAH4U will be £10, naylors £32 as she didnt come last week. Need £17.50 to tv licence, havent decided on cc payments yet, better see how money is.
    Not heard from vanquis yet regarding refund, so mad at them. Need to check survey sites. Im giving myself a dfd of may 2012heres hoping :)
    Weight loss 3stone 4lbs
  • Well, I am consider myself very efficient when it comes to saving and spending money. I am not great at expressing myself so I don't want you to read a story on how well I manage my money. I however have read the book on which the below article is based. I think it is called How to get rich or something like that. But if you don't want to read whole book you can read this articles which more or less sums it up. Since I am a new user and I am not allowed to post links suggest you googling for an article called "Managing living costs in the UK. How much should you put into savings?"
    Cheers!
  • girlracer
    girlracer Posts: 383 Forumite
    Got an application from severn trent to get a grant to pay my outstanding water bill.£280 i owe. Hope they can help, got a no uninvited callers sticker hopefully it will stop doorstop lenders coming round and bullying me into taking out another loan. Did have a mad moment thinking id take another, then quickly changed my mind. Been ill so mainly feeling sorry for myself, waiting on payment from yellow pages so we can pay for babies buggy. Has to be paid by 3rd december and will be delivered on 13th. Still nothing from vanquis, May have to go to the ombudsmen now, but will look into that more when im a bit better.
    Really happy to see rent arrears going down. aim to pay it off before xmas but wont put much pressure on myself to clear it, would be nice though. Feel i need a plan of action so this is below
    1) Pay lah4u only £60 left, should be achieved by dec 1st
    2) pay off naylors, due to end jan 25th but if i can do it before baby comes that would be great
    3)Pay off vanquis, these idiots are a bunch of liars and i dont want to line their pockets any longer than i have to.
    4)Clear rent asap have made a £13 overpayment this week and will pay little bits of change in order to get it down quicker
    5)Work at clearing cap 1. Not got date for that as of yet. Just going to continue making monthly payments
    6)In the new year get balances for how much council tax arrears are at, and inform jobcentre to stop payments to my landlord as hopefully it will be paid
    7)Get ebaying. Said i would do that this week but feeling like death has made me not want to bother
    Weight loss 3stone 4lbs
  • girlracer
    girlracer Posts: 383 Forumite
    very stressful already. dd went to a party, got a call an hour later saying she had fell off a trampoline onto a concrete surface. she took a chunk out of her chin and has to be fed through a syringe atm. just hate seeing her like this in pain. Had a call from lah4u asking if i wanted another loan.£200 turned it down yay me. even though im struggling this week. Naylors will be under 200 next week. Sent form to stw and had a reply saying i should hear in 4-6 weeks.Also go a letter for the ombudsman to help me out with vanquis. Hope they can sort it, sure it may be pretty straight forward comparedto some of the complaints they get. HB due in 2 weeks, can get better figure of what is owing. Ploughing on. just want my girl to get better.Should have homebuy under 500 by end of november.
    Weight loss 3stone 4lbs
  • girlracer
    girlracer Posts: 383 Forumite
    Just an update, going to pay lah4u in next couple of weeks, and pay cap one. Im sick of owing and just gonna bite the bullet, live as a pauper for a couple of weeks and get rid of stuff. Have told lah4u im going to pay it off and have another before xmas. even though ive no iintention, but he is so pushy juust feel like i had to say that.If i pay cap one in full it would look good on my credit file. Will pay some of vanquis but not the full amount as its with the ombudsman and until i get them charges back im not paying them more than i need.May stick £20 in homebuy box too. I mean business

    Oh will be batch cooking whether he likes it or not, xmas is coming soon and my kids will not be missing out. May make overpayments to naylors. Need to look at my paperwork and perhapsoverpayment to rent once i get correct figures! its game on now!
    Weight loss 3stone 4lbs
  • girlracer
    girlracer Posts: 383 Forumite
    Have emailed CT to get an updated bill and emailed landlord about the decent homes standards, not giving up about the windows and doors. Need to get rid of the crap filling my shed, its doing my head in, Im seriously nesting already. Payments this week are cap one £206 lah4u £50 rent £10.20 mum £70 insurance £70 electric £20. Wrote to tesco personal finance to close account, been asking for months for a new card and they havent sent one so took my banking elsewhere. Going to order credit reports in next couple of weeks and expecting cheques from yellow pages soon too.

    Going to be helping my sister do her house up next week, which i hate, cos it makes me think about how much stuff i want to do to mine. Next year will be good though, with a new baby, fingers crossed landlord will do the nessessary repairs/replacements to house, going to do my lv3 mechanics and teaching and hopefully be debt free.
    Weight loss 3stone 4lbs
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