No Debt, No Beer

Squidge123

How are you getting so many lol? Glad things are going well.

InsertWittyName

Funds came in - £808.95 paid straight to credit card and the remainder into the ISA for the tax man

InsertWittyName

I managed to get that job for £500

Phone call for the other job went well, sounds like it's a small one, waiting on the spec for it so I can provide a quote.

Got 4 jobs on the go at the minute and the one mentioned above would make it 5 - need to get then completed faster!

InsertWittyName

Ok, figures for this month (payday in the morning and this incorporates that!)

August 11 balance was: -£17,930.56
September 11 balance was: -£17,615.78
October 11 balance was: -£17,431.53
November 11 balance was: -£15,626.32
December 11 balance was: -£12,408.82
January 12 balance is: -£11,165.66

£1,243.16 cleared this month - very happy with that! As always, I'm very busy with the other jobs

Aiming for lower than £10k for next update, which is a big ask.

InsertWittyName

Been a while since I updated - still mega busy with all the extra work!

Received a cheque in the post today from HMRC; tax refund of £69, nice

Squidge123

I'm waiting for my activation to come through so I can do my tax return! I thought you'd been a bit quiet. Wondered if you'd been snowed under by work!

InsertWittyName

Forgot to mentioned that I've been smoke free for 5 days now too! Not really a financial benefit as I've never paid for it (long story...) but definitely a health one

On the flip side, checked my Equifax report yesterday and Santander have reported me as being late this month with a payment, even though I cleared the loan last month! Rang them and the CSA didn't see why it had happened but didn't know how to fix it - sent a complaint to them to (hopefully) get them to fix it.

My credit files are completely unblemished (always have been) and I will not Santander ruin that through their own incompetence.

I'll be ringing them daily until it gets sorted, that's for sure.

Moral is to avoid Santander like the plague, I was unlucky that they took over my Cahoot account.

Squidge123

Santander have screwed me over many a time which is why I'm in the financial situation that I'm in now. You have reminded me that I do need to look at my credit file. I need to find a free way of doing it. I know for a fact however that it won't be as nice as yours

Glad everythings going well for you

InsertWittyName

I've just calculated that the money I will earn from my current 5 jobs is just a bit short of completely clearing my credit card!

Need to pull my finger out and put a bit more time into them than I have been doing - I'm getting more and more repeat work as well as picking up new jobs

Going to be a long weekend!

Squidge123

You're doing absolutely amazing!