Help needed

jellybean39

ooh i cant wait. Just wish i had the money for some new curtains. nevermind they can wait. tut keep telling myself if id not spent all this money then i could have them,
OMG i have just checked my credit rating. i have never ever missed a payment always managed more that minium (bc this month xtra 360) some are paid off and my score was 697 whats all that about? last time i checked and had alot more outstanding credit it was 999 so how come it would go down. it says it would be that score more thatn likely if you have missed payments? strange. i tried to get a 0% halifax card thought if i could switch egg 2 it would save 80 quid a month in interest. never mind onwards and upwards and kick those debts up the !!!!!!

jellybean39

20 from tips and 40 i as owed that i bought some tickets for a show and i had forgotton about so thats in the tin now 360/1900 think i have some money in drawer at work forgot to pu that in so will double check tomorrow. wish they would all disapear quickly and go only 2.5 years left lol

jellybean39

OMG its friday night again! Where di this week go! My youngest birthday tomorrow and hse will be 20, when did that happen! Busy weekend this bank holiday. Work 7 to 4 tomorrow then out for daughters birthday. and then decorating my bedroom and i cant wait. So looking forward to monday off apart from bank hols havent taken any holiday since may 2010. Now that is keeping your head down and working hard. Am going away in oct to egypt and so excited so i can get a tan i am so white from being kept inside for to long!!!!!!
Need to lose some weight before i go as they may think a whale has turned up in the water !
Anyway have a lovely Bank holiday everyone!!! and dont spend to much xxxxxxxx

millionaire_in_training

hope you are having a smashing night with your family x

jellybean39

ty millionare
ok we back from dinner early i know but the youngsters wanted to go into town to party and we wernt invited lol. Had a bit of amare night. My mum bought me a diamond tennis bracelet couple of years ago and i lost in tonight. I had to pop to work earlier as for once i was ready an hour before we needed to go and it turned out it had fallen off in the car and fallen down the side of the car mat. Only just saw it when i picked my bag up i was mortified thinking i had lost it. It now back in the safety of jewellery box!!! that is the problem when someone gives you something like that you dont want to wear it incase you lose it.
Anyway starting to limber up for me decorating tomorrow. Another 70 quid in tin today s0 430/1900 going down!!!!

jellybean39

Good eve folks

Had a bad day.!!! spent a bit more than i should have redecorating the bedroom. Just ran out a few things and befreo i know it spent 100 quid in b and q. night mare. Just finished the befroom on a mroe positive note and it looks lush! Can hardly walk though back is really bad now lol used muscles didnt lknow i had.
Anyway back to work tomorrow to eawrn some dosh get that tin filled up. Must list some bits on ebay, hubby done really well since i took his cards off him he made 500 quid on ebay! a bit of nagging keeps them in line at times lol

hp48910

Hi Jellybean, Despite lurking on here for quite a while, I haven't really posted much. I just wanted to say that I've read through your thread and you really are quite inspirational. Your situation is similar in some ways to mine; i.e there is money there to pay the debts, it's just a question of getting sorted and prioritising what and when. Your determination and drive is a real inspiration and has given me plenty of tips to take away and get me started on a debt free track!!

P.S I Like the thought of the signature.......slowly crossing off higher amounts for lower ones!!

Well done with your journey so far and good luck
H x

jellybean39

Ah thanks hp48910
My inspiration has come from everyone on here. Its so nice to finally see them coming down. its annoying when you do a snowball and see how much interst goes on each month. mI just checked my bank account and even though its still od it is actually great not counting every last penny to see if im gonna pay this months bills. Have actually started a small savings account for emergencys as we have no back up and cant believe i have 120 quid in there in this short space to. i know u shouldnt save if u have debts but just need something incase washing machine or something packs up. I feel very privalaged because we havent defaulted it was down to sheer stupidness and overspending that got us in this mess and its up to us to sort it out. Have a look at gargave and millionare in training and skint but optimistics diraries if you havent already as they are the ones that have given me some good ideas. Once you start if becomes addivtive!! i used to play online bingo and this is now my new bingo site lol good luck with your journey. x

millionaire_in_training

Yay to the fabby bedroom. Mine is getting a bit tired now as well and would probably cost about 50p to decorate it is so small but every penny is a prisoner :money:. You're doing brilliant and you are definitely getting the buzz from paying all this off. Feels great doesn't it. And imagine how well off we'll be when it's gone :D:D. We'll be rich :rotfl:

millionaire_in_training

oh an dhow dare the young uns not invite you to party with them. Don't they know us olds could beat them hands down at it