Salt 'n' Vinegars Debt Free Diary - Snack Size
saltnvinegar
Forumite 717 Posts
Hi All
I have only just noticed this sub thread! How observant am I?!
:rotfl:
So since my LBM and first post (here) today marked my first true day of wages getting paid into an account and not getting wiped out by payday loans or anything else.
Creditors who accepted my DMP (and even the one who has not!) will be getting their first scheduled prorata payment tomorrow.
As I told them Wonga have not been able to collect payment today and I have been playing email ping-pong with them getting stock template emails in response. They will now be getting emails on a daily basis so I cannot be accused of not attempting to sort this.
So after my first step towards being debt free I now consider this my second step! Its a great feeling and I feel very stress free and more positive about my finances than I have in months!
Hope you've all had a great BH!
SNV
I have only just noticed this sub thread! How observant am I?!
:rotfl:
So since my LBM and first post (here) today marked my first true day of wages getting paid into an account and not getting wiped out by payday loans or anything else.
Creditors who accepted my DMP (and even the one who has not!) will be getting their first scheduled prorata payment tomorrow.
As I told them Wonga have not been able to collect payment today and I have been playing email ping-pong with them getting stock template emails in response. They will now be getting emails on a daily basis so I cannot be accused of not attempting to sort this.
So after my first step towards being debt free I now consider this my second step! Its a great feeling and I feel very stress free and more positive about my finances than I have in months!
Hope you've all had a great BH!
SNV
LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
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Quick update on Wonga. They have rejected by DMP and offer.
:wall:
So have emailed them back explaining my offer is the most I can afford etc.
Wasn't expecting them to roll over the day after I default so no doubt they will ramp up the interest. Still I can only pay what I can afford so lets see where this goes!
SnV
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
SnV
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
Well some really good news on Wonga - they have agreed to my payment plan!!
This is also the first time in a looooooong time where I have been 2 weeks into the month and I have enough money to last me to pay for groceries and fuel until the end of the month. I cannot even begin to emote how good that feels!
Chins up DFW's!
SnV
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
Quick update.
I noticed a nice DFW challenge for 'No Spend Days' (NSD's).
So I decided to start this challenge on Monday gone and am up to 6 no spend days already!
Its not exactly in the complete spirit (i.e. spend no money at all) but my plan is to not spend any money that isn't in my I/E sheet.
Biggest weakness is popping into the local corner shop for milk and chocolate!
Up to day 6 already!
SnV
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
Today is a big day for me!!!!
I have reached double figures on my STB challenge!
I know this may seem trivial for some people, but to go 10 days (actually been a bit longer but started counting 10 days ago) without going into the corner shop to buy a bottle of milk, some chocolate, or to 'top up' the groceries with some junk food is a massive achievement for me!
I have spent no money at work on lunches, and haven't even touched my clothing/dentist/haircut/emergency money either so for the first time in a loooong time my bank account is looking almost healthy.
:j
SnV
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
Another big milestone today - 3 weeks have gone on my STB challenge!
This is the longest I have ever gone without spending my hard earned money on 'something', other than budgeted.
I thought I had blown it last Friday as I had to send some letters to a DCA recorded delivery (which cost the princely sum of £1.15) but realised I could put this down in my 'emergency' budget (£23/month).
No money has been spent going to the sandwich shop for lunch at work (packed lunches etc), and not going into the corner shop is incredibly noticeable on the state of my finances.
Things are looking much more positive at the moment!
Best
SnV
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
4 WEEKS!!!!!!!
I have now gone 4 weeks sticking rigidly to my budget!!
:j
Massive milestone for me, just need to get to Friday now for payday and that will be a proper month!
SnV
Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell
Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)