My debt free diary

girlracer

Have got CT bills, theres still 500 pounds over, being reduced by benefits so gonna take a while to reduce. Need to renew tv licence. Cap one is paid off,unable to pay lah4u this week as he came at 8.30, hadnt been to cashpoint.Shall have to wait til thursday now. hes still going on about another loan. grr why dont they listen, they are first to play up when you cant pay it back.

Still no cheques from deya, need it to pay for babys buggy which has to be paid for by 3rd dec as its being delivered on 13th.OH hasnt been paid which has really peeved us both off, we have just managed to get through the weekend.
Looked at bpoth of us going back to work after baby born but unless one of us can work days and the other nights it really would not be financially beneficial for us both to work. Very fustrating thanks to the government, Anywho, im determined to be debt free within the first 6 months of 2012. Maynot post so much now til new year but will continue to update signature for my own reading

girlracer

Tomorrow loans at home will be gone. Think the blokes having a mardy cos i dont want to take out another loan. Sorry he will have to earn his commision off someone else! Need to crack vanquis next tbh, ive had a gutful of being their customer. The one thing on my mind atm is paying for the babys buggy due by dec 3rd. Ive got £180 towards it which i got from yellow pages. I cant beleive how fast december is approaching, and i still dont have a clue what to get my girls. I know they gone hello kitty mad.
Taking loans at home off my sig now yippee.

girlracer

Simply be have written to me confirming account closed. never used it anyway and its steered me away from temptation. Had to write to tesco bank, had the cheek to send me a new card 5 months after it was requested. Informed them i had to change banking facilities and no longer want the account. Still need to pay the tv licence £35. And have fallen behind with rent payments owing £17.52, which ill pay asap! me and OH have decided to sell our husky dog, not for financial reasons but because im worried and getting very stressed about him and a new baby, so much so im having panic attacks. Not good 7 weeks til im due and im so ready. Fed up. If we sell dog it will go to vanquis. Have freecycled alot of stuff, mostly my mums which she left here after a carboot, she was going to take it to a charity shop, but i suggested freecycle.
Homebuy due soon so can update sig. Gonna try this payment a day thing even if its just a pound to the rent. Still need to order credit reports. something i planned to do at the end of september. Be good to see rent gone too. I can stop the benefit payment of £13.60pcm then. Its not alot but it helps.

girlracer

Well at 6.02am 22.11.11 i gave birth to a little boy. 7 weeks premature. Hes been moved to kettering hospital as nottm neonatal unit has no room. Absolutely heartbroken. Having to make arrangements to travel 60 miles. Just want my boy here. OH rushed home at 2pm to sell dog and hes now gone to a new home so my stress levels have come down a notch. Not sorted money yet. Me and OH exhausted so it will keep till tomorrow. Have midwife coming tomorrow so planning a trip to kettering thursday. Its breaking my heart him not being here.
Anyway off to bed

girlracer

This weekend i stayed at kettering with my boy, hes getting stronger everyday and i hope to have him home soon. very annoyed on thursday, loans at home guy turned up says he came to collect, he knew damn well it was paid off last week, showed him receipt, he just come round cos i havent contacted him about another loan. unbelievable. Needless to say i shut the door. Paid vanquis £90 not sure of total not had time to check. Not sure when homebuy are coming.
Housing association are coming to fix windows on tuesday. Not managed to get new ones but at least the house will be warmer. Its soo weird how having a baby puts things into perspective. Im not overly bothered about bills now, just getting my son healthy

girlracer

Windows have been repaired, same day i get a letter saying they will be in touch about new ones lol. Baby doing well, hope hes home soon.
Loans at home doing my head in,he txt me offering me £300 for £15 a week. told him no, same day i got a letter from head office saying i could have £500 grr. Needless to say i binned it. Homebuy came, had £86 in box but he only took £41 and gave us rest back. Normally i would let him take it all but we need it towards travel costs to hospital. Have applied to get travel costs back and 3rd time lucky i have applied for a ccg. Have sorted tax credits, just waiting for chb to get in touch. Housing benefit suspended my claim as dwp told them i had a change of circumstances, but i have filled out a form and sent my sons birth certificate. Rent arrears should be paid off by end of jan. Financial ombudsman have been in touch r.e vanquis. They have refunded me but will let it run its course and see what happens.

girlracer

My boy still not home but they said the weekend so i hope they stick to it. My sister lent me some money to pay tv licencing and the rent ive fallen behind on, im so grateful as its been a stressful couple of weeks and it takes a weight off my mind. the rent is nearly paid now so i dont want to mess it up. I hope she knows how grateful i am. Nothing from loans at home. Think theyve finally got the message. Vanquis statement due anyday now. be so glad to be rid of them. Have sent chb birth certificate so should be in payment soon, will need it as babies arent cheap. Can tell dwp to stop payments to my housing association next week as i can pay the rest off myself.

girlracer

my boy came home last thursday and has settled in well. Im not particularly looking forward to xmas i think its all the stress of the last few weeks, but im hosting so better get organised. I have been successful in reclaiming travel costs back from visiting my son. I am expecting a refund of around £140. That will go to vanquis, Also next week with it being a bank holiday the week after i will get 2 lots of child benefit and tax credits.This will come in handy i need £80 for food for xmas day, £20 for naylors £20 for rent arrears maybe a bit more to clear that as not much outstanding now. Will need gas and leccy too. If i can make any additional payments to vanquis i will cos im getting excited at the prospect of paying them offf YAY

girlracer

After my failed attempt at getting some help to pay my water bill, ive had a letter from severn trent to say they will do a deduction of benefit for the outstanding amount. This is a weight of my shoulders as i know stw do put ccjs on credit files if it doesnt get paid. OH is doing xmas food shop tomorow, im trusting him not to go mad!! Still nothing from chb, my friend had her baby 16 days before me, and hers is sorted, so hope mìne ìsnt far behind. This time next week xmas will al b over thank god. I hope il b in the spirit a bit more next year. Im not a scrooge but al the stress of the last few wks has left me feeling a bit down. Travel costs peed me of sending another form out after they said it had been approved. Grr. Gona make as big of a payment i can to vanquis this week and then clear it in the new year. Also need to get round to have a clear out. Something i was doing before my boy decided to show up.

girlracer

Have been in the shed again. Managed to freecycle csome stuff. if it isnt gone by tomorrow ill take it to the charity shop. Child benefit sorted. I have taken the letter to the council for hb purposes. Must make £20 cap one payment and £40 to vanquis on friday. Will put anychange towards rent arrears. OH nipping to his mums saturday so should have a chance to clean up before he comes home to prep for xmas day. Planning to make another £80 payment to vanquis next thursday also