SunFlower Sorts Her Life Out!

patman99

First off, good luck with the new job. Also, 21% APR is not a huge interest rate. One of my CC's hit 29% before I paid it up.

Welcome to the board btw.

SunFlower

Tee hee to all the Yorkie discussion!

I managed to put in twice as much batter in each Yorkie hole as I should have, so they were HUMONGOUS, and because they were at the top of the oven, they got a bit nearer than they should have, and as a result came out singed!

I shall know better for next time.

SunFlower

I'm in the midst of trying to get a new mobile. Alas, I have now reached the point where having a smart phone can no longer be avoided, and my current provider is pants. I am most definitely trying to avoid 18/24 month contracts, however, as they are just ridiculous (I could be living anywhere in the world by then!), so it's proving a little harder as they are rarer. Fortunately, I read an articl on the main site which pointed me in the direction of billmonitor.com, a brilliant way to check your mobile is as near to your needs as you can get, so I'll be following up the leads it has generated, as well as looking for other, more unusual combinations elsewhere. I'll let you know what I manage to get sorted.

SunFlower

Hi guys,

Well, I think it's fair to say that I have been missing for a little while. Things have gone nuts with a combination of work, outside projects and two college courses. In fact, I think it's fair to say that I have bitten off more than I can chew.

And until I got paid from the first month of my job (the end of September), I was gripping on financially by my fingernails. It was seriously hairy. But now I've been paid, and boy, is it nice to have money!

I haven't gone too made, though. I have the balance of my CC to pay back, so that needs to vamoosh ASAP. I have made a valiant attempt, paying back £541.62 so far this month, but I could afford to pay a bit more, although I'm not going to do so until I get the chance to figure out some more financial stuff.

However, it made me think. That leaves me with about an £1800 balance left on my CC. Could I pay it off before the end of the year? It seems just that bit too much to be possible, given that my car tax is due next month, it's my birthday then, too (my last birthday - a biggie - was rubbish, so I want to enjoy this one), and I've £125 college fees to come out of my bank account each month for the next two months, and miscellanous other expenses that are sure to rear their ugly heads, plus all the Christmas presents I need to buy.

But then I thought...I have skills I could use outside my working hours I could use to earn money, and I have tons of stuff to Ebay (some of it could earn quite a lot indeed), and I could stop buying lunch out so much (which I keep intending to do), and I might get a bonus at work for Christmas (then again, I might not). However, if I do, and if I do manage to sell lots of things on Ebay and I look back and think 'I could have done it', I will be a cross. So I hereby announce the Clear Credit Card Challenge (CCCC) with the aim of clearing the rest of my CC balance before the end of the year.

I might work, it might not, but at the end of the day, all I have to lose is my CC debt! :T

And so, to start, I have paid off:

£10.00 from a win on a Lottery ticket
£2.47 of odd pennies from my penny pot
£15.00 I found (£10 + £5 notes) while sorting through some receipts

So that makes £27.47 to start off. :T

Let's see how the rest of the year goes!

(P.S. I'm currently under serious time pressure at the minute due to the amount of things I am doing, so I might not be able to do as much Ebaying as I would like, but I'll give it a go).

scubaangel

Well done on getting started and wow you have got alot going on at the moment, I thought my life had gotten busy lately!

SunFlower

Cheers scubaangel.

Right, have worked until 19.15 and ate a home-made lunch, so a NSD, apart from my £3.00 for car parking.

As a result I've PADded the £3 I probably would have spent on lunch to my CC.

It's a start.

scubaangel

Good start, at the moment I'm channelling my positivity from debt busting in to my running, but its so much easier to be positive about making a dent in the debt numbers than it is my run times!

SunFlower

I really want to run, but I don't think I've got the knees for it.

Ah well, there's lots of other exercise out there instead: I can ride a bike or swim. Or walk. Or try that zumba I always keep meaning to go to.

I should have PADed for a chocolate bar I resisted superhumanly before, as well. In fact, I think I will.

*Comes back muttering* Bank won't let me do a transfer for anything less than a pound. Grr! I shall have to add it on to any total I can muster up tomorrow.

On the plus side, I checked my library account today, and I won't be getting any overdue fines. Happy days.

scubaangel

If it helps at all my work currently have a 3 for £1 offer on choc bars, why not pad £1 and resist for three days

My family have a nasty tendancy to being fat people with knackered knees and hips, so far I've also avoided the arthritis which everyone including my little sister has so am intending to make the most of the time I have left before it remembers I ought to be suffering to!

I reckon running little and often will at least minimise the chances of turning in to a fat person - although is likely to knacker my knees if I always run on roads (which I try not to).

SunFlower

I live very near to a proper running track with nice, soft track and everything, and I went there a few times and one of my knees was killing me the next day.

Perhaps if I lose a bit of weight and have less to carry round with me, that might help, but it might not just be for me.

P.S. Just managed to PAD the money over.