small steps and a fresh start......my journey starts here

MiaowMiaow

MOT booked for next saturday £35 and they will fit my number plate for free:j
been shopping today, didnt spend much. Got a xmas present for my friends little girl - bargain from gap outlet store.
Fajitas for a treat for tea - already had a kit in the cupboard so only needed chicken and will save half of that for tomorrow.
cannot wait for x factor!!! so sad but i love it!!!!

xx

MiaowMiaow

miaowmiaow wrote: »

[strike] take house of market not yet done[/strike] done!
[strike] compare gas/elec prices - mine is going up not yet done
[/strike] done - just sticking with mine for now

council tax - contact to take brother off and put lodger on as above tried yesterday morning but closed - will do tues

[strike] rac - contact to stop automatic renewal as above/strike] done

fill in icher application as above not yet!


strike]fill sentinel card protection form (free with bank)
[/strike]

get money back from xmas saver account trouble logging on - need to contact via phone again during day - still to sort


[strike]complain to ikea re dressing table[/strike] email sent - response that i can take parts back - the whole point was i was not going to travel back!!


apply on line for superdrug points card not done yet

[strike]complain to camping site [/strike]email sent awaiting response

[strike]student loan - access online and work out snowball [/strike]- aghhhhh

still a few things to sort

MiaowMiaow

Things to do for the rest of the bank hol wkend and tues:


revise!

council tax - contact tues to put house mate on

washing

package up ebay parcels to post tuesday

sort out wardrobe - more items to ebay?

clean bathroom

search for cheap car insurance

look at figures, update signature

do xmas present list

cupboard food list

meal plan for week?

trying logging onto xmas saver account - still need money back

reply to ikea complaint response

contact isha

sort out contacts on phone(have my new upgrade)

ebay old phone



I am sure i will be adding to this as i go along..............! Oh how I love my lists!!!!!!:)

now back to the revision xx

MiaowMiaow

so, its bank holiday and I'm NOT at work :j makes a change !!

Actually feeling quite chilled out this weekend, all going well with my lodger, we get on really well and couldnt have asked for anyone better really.:D

so a couple of achievements I am v pleased with -

firstly my car insurance - did the online comparisons then phoned up my current insurer who had already sent out my new quote and haggled them down - saved a further £5 /mth which really pleased about and better than switching as wouldnt have saved any more than that.

secondly - switching gas/elec providers - did the online checks this morning (which tbh I wasnt going to do as thoiught i had a good deal) and saving £123/yr plus getting £30 cash back so really pleased with that :j

On the downside, CC2 switches from 0% to approx 23% (need to double check) in oct and my credit rating for various reasons is to shot so cnnot switch. My plan is to pay as much extra as i can off between now and oct and then as suggested on cc forum page just pay off more than min each month so i am managing it and then try to switch again in about 6 months. angry with myself really - i missed a couple of payments, being lazy and not paying my bill as soon as it arrived and not setting up DD and then i would have been fine - will learn from these mistakes.

My other CC is 5.6% for life of the balance so whilst trying to hammer the second one I can just pay minimum on this one , aghhhh. cannot wait to have no CC!!!!!!!


XX

Lemon_Tree

you've been really productive this weekend, making lots of changes which are all good but take some time that people often won't invest.

MiaowMiaow

Lemon_Tree wrote: »

you've been really productive this weekend, making lots of changes which are all good but take some time that people often won't invest.

I know - I often have thought ' i cant be bothered, im not going to save anything!' always try now though :Dx

MiaowMiaow

Really worried about my mortgage with coventry building society - it is a joint one with my brother but obviously when he gets his own in a year which he plans to do i wont be able to get it by myself. i cn afford repayments and lodge covers bills but dont know what to do , dont want to lose the house. have asked for advice on mortgage board. really worrying about it now. going to call coventry tomorrow and see what they see - my poor credit rating is not helping .

Lemon_Tree

i'm not sure i could help with the mortgage but you've gone to the right place the mortgage boards, but if you keep good records then you may just be able to pursuade the building society that you can afford the repayments and that you've been paying everything of late. It can only help.

MiaowMiaow

Well I have been busy revising and also not been feeling great hence the not updating my diary!

so hello diary once more!

Car news - passed its MOT , TAX sorted, car insurance sorted - got my current provider to reduce payments after doing oline search, thanks Martin:money:, cancelled RAC as now get cover with bank.

Lodger news - all going well, really nice guy, have a new friend as well as a lodger. also received first payment today so he is reliable too!!

Revision news - not been going great as not being feeling too good but today is the day so will just do my best.

Other money news - really need to do proper budget and save money on food - will concentrate on this after exam.

work news - few hours overtime last week which is good, hoping to get some extra hours this wkend. I have put in expenses claim for course i was in too.

Debt busting - hmm, not great but little steps.........concentrating on M&S CC as going from 0% to mammouth amount and my C rating not good so cannot get another card.

Xmas news - still need to do pressie list but have a few already! going to speak to mates about not doing pressies this yr.

fridge freezer news - finally delivered!! marks on the freezer so complaining , hoping to get discount.

love life news - shockingly poor at the moment!!!!

this months news - going to food fair on friday so need money for that, also out for tea nxt week with a friend - will look for voucher. also taking parents for cheapo meal tonight to say thanks for all the work they have done on my house (saving me a fortune! so cannot begrudge a meal expense ). thinks thats all the spending for the month!!!!

right, off for shower and to the exam!!! aghhhhhh
wish me luck..........................................xxx

Lemon_Tree

hope the exam went well. was that the last one? does that mean you have exam freedom feelings?