Debt free by Summer 2012 (if not sooner!)

Skint_but_Optimistic

this all helps. Even if you get nothing back you still have given it a go.

As for ebay, just little and often, or you end up fed up (well I do)

Hope the cheque clears soon!

DebtFree2012

Make that 2 I need to send off tomorrow! Littlewoods just sent me their PPI address. Wahoo. Need some more stamps first though lol.

Thanks for the advice Skint.....I hate having all the stuff out for ebay - clutter makes me feel unorganised. So little and often so I can clear it all away afterwards - good advice.

xxx

Skint_but_Optimistic

I cant cope with all the clutter around me, and I have an ikea bag with it all ready in, and just work my way through it all...


Just remember its money for old rope... I had started to treat it like a job, and had to have a break off it when I went on holiday, completely!

DebtFree2012

Morning all

Just about to check accounts. Am feeling rather tired this morning as it's been the first full week of the new routine. Getting up at 6 isn't the problem as I am used to getting up early even though I don't do it well lol. It's the not stopping until 9/1030 on a night that's a killer, plus I need to start doing exercise in there somewhere.

Slowly getting there as I said the other day.

Right, off to check accounts and write my to do list.
xx

DebtFree2012

Creditexpert have replied and they have agreed to refund my £14.99 which will take 5 business days. So mid next week, just before pay day it'll be in.

The Quidco money should be in then too plus if I get my £16 chq in today/tomorrow then that'll be cleared next week too.

I am going to get DD a new pair of shoes to see her until her winter boots are needed. We have a couple of parties and gatherings coming up which she can wear them for. Will pay with cash as always now and use the above to replace it.

The remainder will more than likely go to debt but as my PPI chq will have cleared then I will take stock at the time. Need to remember I have my car to get fixed too.

x x

Skint_but_Optimistic

Its a juggling exercise, but youre doing it well!


Haha - my list is manageable this week but I need to take some time out so Im taking extra time to do it. Like you I work on til after 10pm, and even then I do surveys before sleeping. Just make sure youre getting a little recreation, as it can really start to get to you. x

LivvyLoo_2

Hi DF,
I spend most of my days juggling money around too, how exciting getting all that money back. I don't know about you but I quite enjoy juggling money, think its because I have some to juggle now ha ha, actually thats not strictly true because non of it is legitimately mine! One day it will be though and we will look back on these days and feel proud.

You're doing fab xx

Skint_but_Optimistic

its certainly character building

DebtFree2012

Thanks guys. 9 times out of 10 I enjoy the juggling and sorting as it makes me feel in control, then there's the 1 out of 10 that gets to me.

Today though, is a good money day.

Skint - when do you have time to you and your partner? It did get to me the night before last as I blew my top but then felt felt awful after that. I just feel that I am always chasing my tail and never get time to myself. Most of the time I like it, again, I feel in control and everything's ticking over nicely. Occasionally there is a spark that sets me off though - was hubby on his computer the other night. All sorted now though.

I have started to make a night a week mine, I do the jobs I have to to once I have put the kids to bed which is tidy round and make baits then do a feel good job (this part of the night hasn't come off yet) which is something like sorting through photos/wardrobe (have to be in right mood) and so on. Then I have a nice bath to myself (now I have 1!) and have a pamper. If I do this mid week it keeps me feeling good on the outside as well as in, which really helps.

I hoe you are right Livvy - I can't wait for the DFD to come. I totally don't wanna wish my life away as it means the kids would be older and so on but I also wish my money was my own and not the creditors. Really - anything I spend isn't mine, they own my pay packets for the next 31 months!

x x x

Skint_but_Optimistic

Hi there, We have made a concious decision to have family time, its stopping jobs at 7pm on a Friday and Saturday evenings and watching something drinking wine or playing scrabble....


its not what we are doing its the fact we are making a concious decision to do it.

I even have a shower before that time. haha.

I have even got to the point where I schedule family time like the ramble, and I intend to start scheduling swimming time on a sunday too, make the most of Littleuns love of swimming!