Getting a grip of my finances and getting a better life!

wolveslass

Hi Shoes thanks for the message,

Yes, as soon as a card is cleared I close the account. So I now have just a couple with low balances on at 0%. Once they've gone I'll close them. I may keep just one card at home for emergencies - not sure yet. Alternatively I may just use it for internet purchases and pay it off instantly, I can't decide.

I think I can overpay on the loan- I need to look into it. At the moment I am saving up a bit of a lump sum, so if I don't use it on my maternity I'll throw that at it.

All of it is going in the right direction anyway, it jus seems a very slow process!

ebayqueen_2

Hi wolveslass

Well done for getting back on the board. The only way is down now!!! :):)::)

I really think you should get rid of all cards. Use a debit card and buy only what you have the money in the bank to pay for. Hope this is of help to you and I truly wish you well.

Congratulations on your new baby and keep padding along.

Take care
E

wolveslass

Well I've had a good few days, been doing small PADs onto my lowest debt, as I've decide to try to get this one completely clear just to tidy up my mind! It's on 0% like my other, but I thought it might be nice to clear one completely.

I have also sold some DVDs and CDs through musicmagpie. I always feek a bit cheated at the 30p each you get, but then I never listen to them/watch them and a good declutter also helps clear my mind.

Also put one thing on ebay, but I'm struggling a bit to find suitable things to list. We moved house 2 years ago and I got rid of loads of stuff to charity shops then and don't seem to have anything of much worth left.

I am also doing surveys as soon as they drop in my inbox, otherwise I struggle to keep up with them. I'm currently building up a few pounds a day on this, nothing huge but every little bit helps.

Saw someone on one of the threads on about doing matched betting. Has anyone tried this? Is it worth a go?

wolveslass

Looked into the matched betting but I'm not ready for that yet.

I'm doing quite well in my quest to earn £5 a day in Oct and every couple of days I pay a few more pounds off my smallest debt. I want it gone by February, which is the end of the 0%.

My surveys seem to be doing quite well now, I'm trying hard to keep up to date with them because otherwise I dealy them and then the time runs out on them. Does anyone know of any daily click earners?

rainbowneeks

well done on your progress so far, i've subscribed, hope that's ok!

wolveslass

Hi Rainbowneeks,

Of course you can subscribe, all support greatfully received!

wot-a-mess

Be careful with the matched betting. It is free money but you MUST know how to do it & be patient awaiting winnings back to your bank account. Plus you simply MUST NOT start actually gambling.

wolveslass

Thanks wot-a-mess,

I've come to the conclusion that it all sounds a bit complex at the moment. So don't worry I'm steering well clear!

wolveslass

I'm still ploding along with the make £5 a day in October challenge - another small £1.15 today - not much but it all helps.

I've also emptied my sealed pot - it wasn't full but I wanted to use it to pay some debts. So that's another £91.:T

The odds and sods left over went back in. I know I'm getting frugal because the pot is a terramundi, but rather than smash it I spent ages getting the cash out with a knife! Maybe that's just tight!

It's amazing how my thought processes have changed, because now I look forward to my credit card bill because then I can make a payment and watch the totals drop.

wolveslass

So a couple of items due to end on ebay tonight and tomorrow, I'm sure it won't make masses but a bit more to add to the debts. I'm also awaiting some payments from music magpie, global test market, pure profile and panelbase - so that will be productive. I've also made a small payment into zopa, only £20 to see how it goes, even a little bit of interest would help, but don't want to risk too much.