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Debt Free by Thirty!

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  • d3mon4ngel
    d3mon4ngel Posts: 366 Forumite
    CreditExpert update


    Corrections done:
    • British Gas now have the correct date of birth
    • Number of linked addresses
      • All addresses remain on file for 8 years
    • Spelling error in linked address has been corrected :)
    • Clydesdale Finance have replyed to say they will update the address to the correct one :)
    • Ex-husband removed from financial links :)
    • Shop Direct now has correct address :)
    Corrections outstanding:
    • My employers credit check has added a wrong alias (Mrs + maiden name - no idea where they got that from!)
    • Electoral role for current address - updated monthly
    ::: Total Paid Since LBM (27/05/10): £4639.85 Official Debt Gone!! :T :::
    :A
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
  • d3mon4ngel
    d3mon4ngel Posts: 366 Forumite
    edited 30 June 2010 at 1:36PM
    Today I have:
    • Checked my bank account
    • Checked my credit report on CreditExpert
    • Done some daily comps
    • Paid £15.61 to my credit card on top of the £40 SO for this month. This won't show until tomorrow though.
    I rang up Co-op bank yesterday to find out about my application as its been 11 days (7 working days) since I handed it in. Used SayNoTo0870.com to find a number for them :D The lady there has said that it had just been updated that day to say that I'd been accepted :T She said I should get the welcome letter in the next day or so, and should get my card and PIN within the next week.

    OH is going to try to get one too, and we're going to use it for the grocery and petrol money. He uses the car most and normally fills it up so it makes sense that he has the best access to the petrol fund. He also finishes work before me so he could in theory go and get some shopping done while waiting for me, instead of playing tetris on his phone :p

    I also spoke to my buyer last night, and he has managed to speak to ex and explain whats going on. Ex has now agreed to get stuff signed and sent off, and as a result buyer has sent me money for this months mortgage payment :j hopefully things will move along quite fast now and fingers crossed everything will be sorted by the end of July at the latest.

    And as a third good thing yesterday, OH can have the week off at the end of Aug, so it means that we can go on holiday with my dad and stepmum. My first holiday in 3 years... now to start saving for it... :)
    ::: Total Paid Since LBM (27/05/10): £4639.85 Official Debt Gone!! :T :::
    :A
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
  • jwil
    jwil Posts: 22,411 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi D3mon, haven't been on for a while, you've had a lot going on! That's a shame about OH's missing pay, hope they get that and his tax code sorted soon. It's good that your ex has finally done something about the mortgage, hopefully you can get that sorted out soon.

    I hope your confirmation that the CCJ is cleared comes through soon, and the refund! It will be nice for that to be gone.

    Great news about the holiday!!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • d3mon4ngel
    d3mon4ngel Posts: 366 Forumite
    edited 7 July 2010 at 4:21PM
    End of June Financial Update

    [STRIKE]Littlewoods..........£0[/STRIKE] ---- Cleared: 28-Jun-10
    [STRIKE]Rossendales..........£0[/STRIKE] ---- Cleared: 02-Jun-10
    Wescot...............£164.01
    Credit Card..........£527.76 :o
    Car Finance..........£1,880 (according to credit reports)
    Family...............£700
    Ex...................£1,000
    Overdraft............£606.46 / £1,000 (Highest O/D this month: 16/06) - OD Fees: £15 :(

    Current debt balance: £4878.23
    Current savings (Virtual pot): £15.23
    Next target on the list: Wescot

    Debt at LBM (27 May 2010): £5639.85
    Total paid off since LBM: £761.62

    July DFW Pledge

    A new month, so a new set of goals are in order. I have read "The Secret" so I'll be keeping a positive spin on them all ;)

    I WILL:
    • enter at least 5 competitions each day
    • put any coins smaller than £1 into their respective pots each day
    • put at least 1 thing up for sale (on ebay or elsewhere) each day
    • have 3 no spend days each week
    • sort out at least one box of stuff by each Sunday
    • make two more large bags
    • make myself a smaller "going out" bag
    • keep to my allowance of £100 for the month
    • put any money left over from my allowance into savings
    • get all my books out of their boxes and back up on the bookshelf where they belong
    • have a fee-free month on my overdraft
    • only buy lunch at work 4 times maximum
    ::: Total Paid Since LBM (27/05/10): £4639.85 Official Debt Gone!! :T :::
    :A
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
  • d3mon4ngel
    d3mon4ngel Posts: 366 Forumite
    edited 3 July 2010 at 11:20PM
    1st July

    Daily Comps: Change Pot:
    - 50p x 2
    - 20p x 1

    Item for Sale:
    - None :(

    Amount spent from allowance:
    - £5: KFC

    2nd July

    Daily Comps: Change Pot:
    - 50p x 1

    Item for Sale:
    - None :(

    Amount spent from allowance:
    - £1.50: Lunch
    ::: Total Paid Since LBM (27/05/10): £4639.85 Official Debt Gone!! :T :::
    :A
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
  • d3mon4ngel
    d3mon4ngel Posts: 366 Forumite
    I wanted to put this in somewhere but didn't know where...

    This is a poem that I read at a time when I was feeling really down, and it has stuck with me. I've put it in the original Japanese (which is the version that sticks in my head more for some reason) and the translated English.

    XLI - Fujiwara no Kiyosuke

    Nagaraeba
    Mata kono goro ya
    Shinobaremu
    ushi to mishi yo zo
    Ima wa koishiki

    I may live on until
    I long for this time
    In which I am so unhappy,
    And remember it fondly.
    ::: Total Paid Since LBM (27/05/10): £4639.85 Official Debt Gone!! :T :::
    :A
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
  • d3mon4ngel
    d3mon4ngel Posts: 366 Forumite
    edited 3 July 2010 at 11:19PM
    3rd July

    Daily Comps: Change Pot:
    - 1p x 18
    - 2p x 11
    - 5p x 6
    - 10p x 1
    - 20p x 3
    - 50p x 1

    Item for Sale:
    - None :(

    Amount spent from allowance:
    - £1: Parking
    - £6.24: 3 bottles of wine :)
    - £5.16: McDonalds :(

    Got my Co-op bank card today, so put two weeks allowance into the bank. No PIN yet so can't be tempted to draw it out too soon lol.
    ::: Total Paid Since LBM (27/05/10): £4639.85 Official Debt Gone!! :T :::
    :A
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
  • MaryMurphy
    MaryMurphy Posts: 182 Forumite
    Hi d3mon4ngel,

    I just got caught up with your thread and wanted to say congratulations for getting so many things sorted in such a short period of time!

    Great work, I will be following your progress with interest :)

    MMx
    Insisti, persisti, raggiungi e conquisti
  • d3mon4ngel
    d3mon4ngel Posts: 366 Forumite
    edited 4 July 2010 at 10:56PM
    4th July

    Daily Comps: Change Pot:
    - None

    Item for Sale:
    - Lawnmower - Ebay

    Amount spent from allowance:
    - £7: Chinese takeaway (falling back into old habits already :( )
    ::: Total Paid Since LBM (27/05/10): £4639.85 Official Debt Gone!! :T :::
    :A
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
  • d3mon4ngel
    d3mon4ngel Posts: 366 Forumite
    edited 6 July 2010 at 7:35AM
    5th July


    Daily Comps: Change Pot:
    - 5p x 1
    - 20p x 1

    Item for Sale:
    - None :( (Though I do have at least 9 people watching my lawnmower :D)

    Amount spent from allowance:
    - £1.75: Lunch
    ::: Total Paid Since LBM (27/05/10): £4639.85 Official Debt Gone!! :T :::
    :A
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
This discussion has been closed.
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