My diary - getting rid of my debt deamons!

Kei

Update on the money front;

Yesterday paid off £315 to CC1 which means that I have paid off that card. However, I do use that card for bits and pieces such as my business expenses which I then claim back through the company, so it won't be a 0 balance forever but I keep on top of the occasional transactions.

£25 min payment to the Tesco card will go out on Feb 24th.

Also, bonus today, found some cash back that I have collected through booking train fares for work, so I have just transferred that to my bank. £5.75, every little amount helps!!

misstara

Kei wrote: »

Update on the money front;

Yesterday paid off £315 to CC1 which means that I have paid off that card.

That's fab Kei :T I bet it felt great paying it off. Which debt are you going to focus on next?

Learning2Budget

Well done. Debt busting AND dissertation on track!! Hopefully this crazy weather will keep you in and busy writing!! Every cloud eh?
L2B.x

Kei

Learning2Budget wrote: »

Well done. Debt busting AND dissertation on track!! Hopefully this crazy weather will keep you in and busy writing!! Every cloud eh?
L2B.x

Thank you, I am pleased with debt busting, dissertation needs a bit more attention but I just need to get back into it!

misstara wrote: »

That's fab Kei :T I bet it felt great paying it off. Which debt are you going to focus on next?

Thank you! I am doing the debts in order of my sig, so next is the £445 Lloyds which I plan to smash by the end of March.

I hope to have some more ebay money by the end of the week, so far up to £12 ish in bids which is ok. I feel like my new motto is that if I don't need it/use it then ebay it! De-cluttering and money saving at the same time!! :rotfl:

Kei

I sold a few bits on ebay yesterday, so made another £18.89 (less ebay and paypal fees). I have re-listed the items that did not sell, and already have a bid on one, so it is worth re-listing especially if it is free.

£71.48 made so far this year through selling stuff and cash back. When I get to £100 I will put it towards the CC I am paying at the time.

Quiet weekend again and no money spent. Next weekend is the haircut I put off, hopefully I will not be tempted to shop when in town though!

Kei

Pay day in one week - very much looking forward to it!

On Monday £25 min payment will go out of my bank to the Tesco cc.

Got one bid on ebay. Bit fed up with ebay, had 2 no payers so far where i have had to open cases with ebay. Also it seems that no one is giving feedback these days? I have sold over 10 items and only 2 people have given me feedback, but i have left it for all of them. Does no one bother any more? Still, can't complain too much as long as they pay up and it helps me pay my debt.

Yesterday at work I was working with a colleague who is legally trained, we somehow got on the subject of pay and I told her how much (or rather how little) I was earning. She strongly suggested that I raise it as a formal issue and gave me some really good advice on how to approach it. She even said she would get my letter professionally reviewed for me if I had to take it further, to help me build my case! As my manager is on holiday I will raise it with him verbally first and take it from there. The extra money I should be getting (I am underpaid between £7k and £12k) will really help if i do manage to get it.

Kei

This evening I have completed a further 1,500 - 2,000 words (not sure exactly as did have a short draft as a starter) of the dissertation, and it was actually fairly pain free! I am working on the methodology section which I am finding easier than the lit review.

However the lit review is still not complete, needs a lot more work. I am thinking it will be easier if I work on some other sections and come back to it though.

I hope to get a bit more done this weekend and hopefully by Sunday evening have a good first draft of the whole methodology section, which I can then send to my tutor for review. Then move on to writing up the results section, as I have already completed my research. Conclusion and summary I imagine will be more tricky and will have to wait until I have completed a good first draft of the lit review anyway.

Anyway enough of rambling about that.................

Still annoyed that I haven't had any further ebay feedback, even though I have left feedback for all. However I did receive payment for an item today after opening an ebay non payment case, which I suppose is good. Just hoping that I don't have any further issues with the buyer now.

Kei

Stayed up past midnight to see my pay day money go into my account and make some more payments!!! That is how enthusiastic I am about debt busting!

I have just paid £295, mostly off Lloyds but also a bit off Natwest. This takes me under the £3k mark this month!!

I am waiting for £200 of expenses to be paid back to me, then I will be able to get rid of the Lloyds card - yay!

Really pleased with my progress so far this year and just hope that I can keep up the enthusiasm all the way through to clearing the lot!!

Kei

This is my progress - 30% of the way to my goal already!!!

Pay off all debt by xmas 2014 #136 £1175/£3905:j:j:j:j

misstara

Hi Kei

You are doing fantastic, 30% paid already wow! Hope you don't have to wait too long for your expenses so you can get the Lloyds card cleared.