Can Fallen Angels Fly Again ?

Aesop

Don't belittle yourself like that. You have recognised that you have to pay money back and are working towards doing it. That is an achievement in itself.

Some people just run all their lives from their debts and don't care.

You are doing something, and every little step you take is so worth it!

Just want to say, definitely try shopping around at greengrocers and butchers for fruit, veg and meat. I know it is a hassle but so worth the extra pennies in your purse.

Our local greengrocers has shut down and I am noticing the difference in prices at the supermarket so much.

I usually buy their broccoli, shrink wrapped for a certain price. Tonight i thought, no, go and pick one and weigh it. The price pack was £2 a kilo :eek: :eek:, so I weighed it, just under 400g, and used self service, 60p. Cheaper than the shrink wrapped one and no wasteful packaging! :eek:

And I do the same with bananas, choose a hand, weigh them and they are usually cheaper than the £1 selection they give you.....

beanielou

It doesent matter how the reduction was made~its a reduction :j
Keep plodding.

GreyhoundAngel

Aesop wrote: »

Don't belittle yourself like that. You have recognised that you have to pay money back and are working towards doing it. That is an achievement in itself.

Some people just run all their lives from their debts and don't care.

You are doing something, and every little step you take is so worth it!

beanielou wrote: »

It doesent matter how the reduction was made~its a reduction :j
Keep plodding.

Thanks Gals, for the reminder that every little bit nibbles away at it - regardless of source or method - and the kick up the wotsit so I don't wallow As always, you are spot on :rotfl:

Aesop wrote: »

Just want to say, definitely try shopping around at greengrocers and butchers for fruit, veg and meat. I know it is a hassle but so worth the extra pennies in your purse.

Our local greengrocers has shut down and I am noticing the difference in prices at the supermarket so much.

I usually buy their broccoli, shrink wrapped for a certain price. Tonight i thought, no, go and pick one and weigh it. The price pack was £2 a kilo :eek: :eek:, so I weighed it, just under 400g, and used self service, 60p. Cheaper than the shrink wrapped one and no wasteful packaging! :eek:

And I do the same with bananas, choose a hand, weigh them and they are usually cheaper than the £1 selection they give you.....

We do still have a couple of Butchers reasonably local (other than the Farm Shop one, which is verrrrrrry expensive :eek:) - though I'm still working my way through them to see which is best value.

We've several Veggie Farm Shops close by - with widely differing pricing for things, but a couple of them do have some good deals on more everyday stuff like potatoe sacks. I've only seen one Greengrocer, and they're quite a distance, I might detour via them on day on the way home from work (if they're not closed when I get there)

G'Angel xxx

Aesop

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GreyhoundAngel

GreyhoundAngel wrote: »

And merrily on to this weeks list

Priority Tasks
1) [STRIKE][STRIKE]W/T credit application -[/STRIKE] Form completion[/STRIKE][STRIKE] & Awaiting Phone appointment end of week.[/STRIKE] DONE & POSTED - Await Award Decision / Outcome.
2) [STRIKE]C/T credit application - Completion of Forms & submit to local office with original documents required[/STRIKE] - COMPLETED & SENT- Await Award Decision / Outcome.
3) [STRIKE]Parking Ticket Contestation (wow, bit late in the day for words like that ) -[/STRIKE] COMPLETED & SENT- Await Outcome
G'Angel xxx

This week the GA household has completed all it's Priority Tasks :T Really chuffed Some of the Secondary ones will get finished tomorrow .. but there are a couple that wont, mainly as I didn't think when I listed them - just how much time it would take to set them all up again .... so on that note ....

I am going to start October with the addition of a Monthly Task section - So that will be new for my Weekly Goal listing on Sunday.:)

Thanks for the heads up on the free listings Aesop Shame I've not got myself into position to benefit from it just yet ... bet just as I do, there won't be any for weeks :cool: heyho.


G'Angel xxx

GreyhoundAngel

GreyhoundAngel wrote: »

And merrily on to this weeks list

Priority Tasks
1) [STRIKE][STRIKE]W/T credit application -[/STRIKE] Form completion[/STRIKE][STRIKE] & Awaiting Phone appointment end of week.[/STRIKE] DONE & POSTED - Await Award Decision / Outcome.
2) [STRIKE]C/T credit application - Completion of Forms & submit to local office with original documents required[/STRIKE] - COMPLETED & SENT- Await Award Decision / Outcome.
3) [STRIKE]Parking Ticket Contestation (wow, bit late in the day for words like that ) -[/STRIKE] COMPLETED & SENT- Await Outcome

Secondary Tasks
4) [STRIKE]Finish Spreadsheets for : - £10 A Day Earnings [/STRIKE]- COMPLETED
5) [STRIKE]Mystery Shop re-instatement -[/STRIKE] COMPLETED
6) Survey Site re-instatement / re-registration - In Progress
7) Meal Plans (6 months) - In Progress still
8) Batch Cook Plans (6 months) - NOT STARTED
9) [STRIKE]Room Shuffle / Furniture Waltz [/STRIKE]- COMPLETED (Kitchen)
Extra Task
1) [STRIKE]Start Winter Preparation Plan[/STRIKE] - COMPLETED
G'Angel xxx

Septembers Debt Buster payment will be £60 towards the smallest debt (half of £120) - TARGET REACHED :beer:
Unfortunately this month, I won’t be able to utilise all my £10 a day earnings this month, as I have to offset some of the money against the Wagon’s work earlier, and I need to Tax it this month too.

Really pleased I completed most things on last weeks list. Just a couple which I under-estimated how long I'd need to do them - So these are going under the new Monthly Section.

I've put the money from September into a moneybox until I can add the rest to pay it off in full. :T

I've yet to finish this weeks task list, mainly because I'm dithering on what to do - so much I need to do and just couldn't focus on which to do first.

I will get these added by the end of the day (pc relocation permitting) As I'm trying to use today to get as much done of one of my secondary tasks as possible whilst I've got a day not working. :cool:

G'Angel xxx

GreyhoundAngel

Finally getting to post This Weeks list & October's Tasks & Goals

Octobers Debt Buster Payment will be £60 towards the smallest debt (half of £120, to be added to the £60 from Sept) and I will take £200 of the remaining £310 to pay the next smallest debt off.
This is from the extra money I make from the £10 a Day Challenge. - In Progress

Octobers Tasks
1) Activity - Finish Survey re-activation / registration & Spreadsheet. - In Progress
2) Activity - PPI Claim - start researching information & locate paperwork. - In Progress
3) Household -[STRIKE] Clear gutters, gulleys & drains & repair leaf guards where necessary.[/STRIKE] 3/4 COMPLETE (rear section needs complete replacement)
4) Garden - [STRIKE]Clear the beds by the windows in the front garden for the new (to be ordered) fruit bushes/shrubs to be planted up[/STRIKE]. DONE

This Weeks Tasks - 2/10/11 - 8/10/11
Priority Tasks
1) Paypal Verification (my account status seems to have been limited again) - Postponed until S*tander Account stuff received.
2) [STRIKE]Santander Savings Account - Address change seems to have not been done + replacement card / new internet registration pack not arrived[/STRIKE]. - COMPLETED - Awaiting replacement items.

Secondary Tasks
3) [STRIKE]Second Bedroom - furniture / packed box shuffle[/STRIKE] - DONE, as far as logistics allow.
4) [STRIKE]Do Gumtree Registration to sell some items -[/STRIKE] DONE - Registration + one item listed
5) [STRIKE]Unpack / Sort & re-locate items from 5 boxes[/STRIKE]. - COMPLETED
6) [STRIKE]Prep & plan 1st Batch cook session[/STRIKE] - COMPLETED

With so much to do in every area, I stalled briefly not being able to decide which tasks to do this week / month. Problem being, that it's reached the stage where - in order to get anything in order - everything now feels like it needs doing immediately :eek:

I'm so glad I made the decision to start task #3 yesterday whilst I had a full day at home ... It took way longer than I'd anticipated, and if I'd tried to do it just in the evenings - it would've been a bit of a mess and a darn sight longer than a weeks worth of "work" involved. :cool:

Roll it on..

G'Angel xxx

GreyhoundAngel

GreyhoundAngel wrote: »

Finally getting to post This Weeks list & October's Tasks & Goals

Octobers Tasks
1) Activity - Finish Survey re-activation / registration & Spreadsheet. - In Progress

Secondary Tasks
3) Second Bedroom - furniture / packed box shuffle - In Progress
4) Do Gumtree Registration to sell some items
5) Unpack / Sort & re-locate items from 5 boxes. - COMPLETED
6) Prep & plan 1st Batch cook session - In Progress
7) PPI Claim - start researching information & locate paperwork. - In Progress

G'Angel xxx

My eyes are in serious need of matchsticks after having re-created the Survey / MS activity spreadsheet, and the registration list spreadsheet. Decided as I keep missing notifications - to make a new hotmail account for all survey / MS stuff, keep it in one place. Just gotta go change it on all active accounts now and add all of them to the new spreadsheets :cool: Once that's done, I can concentrate on reactivating old / joining new ones as well.

Job # 3 is almost at the stage where it's as completed as it can be until I can reshuffle another room to make space for the remaining bits still loitering

Completed job # 5 - mainly kitchen & garden books, just as well considering my other two tasks this month :rotfl:

Job # 6 - Started planning batch cook sessions, as I've now got some of my books available and have a big spag bol session tonight as we're having it for dinner

Really pleased, received CT Credit letter saying that they've granted me Council Tax Credits and that subject to sending them some extra info, they will back date it a couple of months :T It's effectively "money contra'd off" my bill rather than payments, as I've got some back payments outstanding still - but it's still a reduction. I'll update my Sig and post 3 figures at the weekend though.

And the Water company have confirmed a meter is being fitted, so my bill for that this year is also now pending revision, hopefully it will be fitted shortly then I can see what's to come off. I'll still have to pay for what I use, but I'm keeping my fingers crossed that it will be significantly lower than the rateable value charge.

Still, it all helps - and it has perked up an otherwise less than harmonyous (sp!!) week.

G'Angel xxx

Aesop

word of warning.... anyone who was with pigsback... you have lost your points

I will say this to anyone, don't leave your money/points etc sitting in paypal, daily clicks/cashback sites, waiting for big payout, always cash out as soon as possible. I know with things like amazon, you usually need £20 for a voucher, but if you can get to to it, cashout as quick as youcan.

pigsback changed overnight, with no prior warning :mad:

ALIBOBSY

Op Just wanted to say well done and keep plodding on. you have had a serious amount to deal with lately but you can get throught it. Keep strong and look to the future.

Something else to consider, if/when you have time is bobbing over to the PPI reclaiming section. If you had loans/cards it is highly likely they had PPi and it is highly likely any policies were miss sold. Many, many people both on here and other financial/consumer forums I go on are claiming and getting back refunds of PPI. At the least it would bring down the balances of some of the debts and at best would clear some altogether.

If the debt has been sold on to a debt collector then the PPI refunds cannot be used to offset the debt and you can have the money in full. You then can choose what to use it to clear.

If you get time have a read, only issue might be if you have claimed against the policies when ill/ redundant at any point-they offset any payments made against refunds paid (fair enough). PPI was systematically miss sold and the situation is far more cut and dried than the bank charges reclaims were. In fact I believe the FOS are upholding around 9/10 PPI complaints. Best of all it just takes time alot of form filling and probably patience whilst you wait for the ombudsman to look at it. Apart from your time and postage its free.

Ali x

Just reread the thread and realised the PPI is on your to do list OP. I am in the early stages with mine. Got about 3 now at the stage of going off to the fos so we will see what happens lol. Good luck.