Headcase's Debt diary

headcase

Went through our debts and direct debits last night. I think my O/H was surprised by the amounts and the amounts of D.D's etc..... That took an hour or so to go through. And then we left it there as we needed to go out. So post another update this weekend. Also keeping a diary of this so when pay off everything and achieve other aims will get it published. Why not if half wits can publish books for ben famous for 15 minutes - why can not I. Been poor, depressed, ovr weight and running a business for many years and then after 3 years sorted... make a excellent book.....

Dolly_Smith

that's just it though - if you haven't been famous for 15 minutes no-one cares in this celeb-soaked society! I mean, who cares about what Rooney or Ashley Cole or Lampard have done in their short, cossetted little lives eh?

headcase

I thought I'd give you an update on how things are going. Last posting was 20.09.06. Since then I'd giving lots of thought to were I am heading and what I can do. Well i was in a hole. I decided to make things better for ourselves but mainly for me. I started to excerise and now joined slimming world and lost about 1 stone. Started to lose before I joined but it helps to keep going. Feeling much better and do loads of excercise too. I do jobs and finish them and work is much better. The main thing to be determined positive attitude and having the will power to change things. Overall our attitudes have changed and now its keeping it going. On the debts side I had about £15000 owing to me. ( I run a business ), in 2 weeks £6000 of that come in and now its been repenished at the same rate. I can now pay all bills and got a list of debts to pay off first. 1. £2k credit card and two, the 3.5k overdraft. Got to get those bank charges back. I'll start this week. It will take about 2 months or so to get rid of the o/d and c/c. It will take 3 years to be debt free but its a start....

headcase

hi there, just a update for this month on what I have acheived. Since my lightbulb moment, I have decided enough is enough. This month I have lost 7lb in weight, as well as lots of excerise too !!. Make me feel much better. On the debt front i have recieved wages in excess of £6500 this month. i have got my bills upto date. Paid off £1000 of debt. I have also sent letters to all my banks ( halifax and I.F ), credit Card IF asking for all bank charges back. This sum comes to about £750 over 3 years. Got two letters back in the last week saying get lost. Next week the final demands to be sent. Also I am trying to get back or overturn a council decision to get free bus passes for my two daughers. it costs £50 pm for bus passes ..... So awaiting to meet education officals for appeal before local counciler....get my votes worth from them. Looking in November to win my bank charges back, sort bus passes out. Sort a couple of D/D 's out and make sure getting moneys worth from them. Also earn more than £6500 in November to get savings and cut some debt off. I feel much better in control than not in control - if you get what I mean..... Its amazing what happens when you want to get things sorted. therres so much to do.... but you have to start somewhere.

Hobble_2

:j Well done Headcase - following your progress is truely inspiring:beer:

headcase

update from me. I thought I will tell everyone one whats happening........ Well i sent a second reminder to the banks about the bank charges... I asked Halifax for £520 inc. £25 for hasstle. They offered on 1st letter £300. I rang them and told them see them in court. IF credit card on second letter offered the full amount of £117 which includes £17 for my charges !!! £100 for there charges.. So I accepted, and they will put the money into my credit card.. The other IF current account still waiting. Not bad for two letters each... Halifax I'm sending the court letters to them on Friday next week. They even warned in letter to close my overdraft as not keeping to there rules...
I'm got a meeting with education leeds on tuesday about the bus passes. Thats costing £50 pm. Also found out I owe Powergen £400 o/s on bill. Ipay £150 pm for gas and electric.... So need to get uptodate and change...
This month I can pay all my bills , got the tax man still to pay £2k and car in for repairs and service and do not forget Xmas..... Should pay that lot off and reduce debts by £800 this month. The weight lose is iffy, its badly hard when you work from home and when you make coffee the biscuit tin is next to it....mmmmmmmm choco biscuits mmmmmmmmm. Sorry, must fill up on fruit.... Anyway, feel much better as I'm in control and the money and weight are getting better. If anyone wants help, just reply..... Bye for now....