No More! debtfree2015's diary

debtfree2015_2

NSD today.

HSD yesterday £38.88 T food shop. Mainly ordered frozen meats, fish & veg. Worked out got enough for 34 main dinners, & 30 lunches. Will need to top up on bread, possibly butter, milk & fruit over the next 4 weeks, allowing myself budget of £5 for top ups (get vouchers for fruit)

Did type all this yesterday but net kept crashing!

Not much to report today, just catching up with washing & housework

debtfree2015_2

Busy past few days!

Joined PAD thread, made my first payment of £50 today, most payments will be a lot smaller tbh it just fell on my normal cc payment day.

That £50 paid to 1 cc balance. Total now under £14k According to my shiny new spreadsheet :cool:

I should be under 13k by end of Jan 2012 - and under £10k by the end of 2012 :T

talking about spreadsheets on another thread got be too excited to wait for the new year so I have started it already :j

I didnt manage to wait until the end of oct before putting the heating on, its just too cold in this place. I only charged up one heater (smaller one) which would have cost £0.53 to charge up over night. I was hoping to be able to use that one the whole winter, but the heat isnt spreading well probably due to its position more than anything else, so looks like I will have to use the large one which will cost £1.10 per charge (econ 7 storage heaters) it doesnt sound like a lot, but when you consider I already pay £35 per month electric, without heaters on, with heaters on that will double. I haven't been here long enough to build a huge credit on my elec acccount, so will just have to keep adding small payments as and when I can.

Will be having scrambled egg on toast for lunch, and tuna mayo pasta & sweetcorn for dinner yum yum.

We had chicken yesterday, so cheap day today!

debtfree2015_2

LSD, £5 weekly top up went on fruit, juice & value bio powder (95p!!) for my whites. DOne that at co-op as had a healthy start voucher to use on fruit. There is a mini tesco local that also takes the vouchers but they dont stock any value products.

Nursery has requested donation towards fruit, they are struggling due to smaller numbers of children this year, staff have had their hours cut etc, its only 20p a day, I gave 60p (3 days). Twinkle loves nursery, so Il do what I can.

Twinkle made some cheese sandwiches at nursery so thats a free lunch for today! They make something once a week, its normally on a day she doesnt go in, so she was delighted & so proud of herself, she feels like a big girl now (almost 3)

Went to nationwide to open their most basic account, cash card, only as I want to seperate debts & day to day living.
I explained re not being on the elect roll & gave them my anon cert. He suggested loading me up as a cust first. The identity check came back fine, so he suggested a current account instead, as I was only doing the cash card thing because of the elect affecting the credit check but it all came back fine.
I stayed strong refused overdraft!

So now I need to decide which dds to leave as going to HSBC, which to switch, or maybe do a standing order transfer....I just cant decide!

No payments out today.

Ive listed a couple of items on ebay for my shop. I have a stand alone website but sales are irregular atm, so Im trying out listing a few items. I figured it will cost 40p if they dont sell & il know not to do it again. The profit margin will be smaller if they do sell, better than not selling at all.
Have been working hard on SEO but still not too many views, but the ones that do view have been referred from a search engine & do end up browsing most of my site, so something must be good. It is a bit of a niche market, not something that people need, so I guess sales will be up and down for a while.

Anyway off to do some more work try to get some serious money coming in :cool:

never_too_old

Hi
good luck with your journey,im going to subscribe to your diary (saw you on the pad thread)
Im not brave enough to do a diary but love reading other peoples.:D

debtfree2015_2

thanks l.m.hart, good luck to you too :j

I am a bit of a rambler I could talk forever, so I thought if I let my thoughts out here I wont clogg up other threads

Made a payment of £1 to a CC in the end, as my spreadsheet was lower than my bank balance so I knew I could afford that little bit.

Been working over time on my site literally stopped about 15 mins ago, it had better pay off!

Signing off for tonight, goodnight MSE's

debtfree2015_2

Not a lot to report today.

It has been a NSD, been stuck at the comp all day working.

I think I am going to have to change my site over to another hoster (Im not clever enough nor do I have the finances to get one designed, its one of those click and drop things.) The issue is it only allows up to 50 products, then after that it moves up to 150 products for the next package then unlimited. But I have found another site that allows unlimited numbers of products & will be less than the current package..... its not atm just because of the amount of products I have got.

I have found a new supplier who dropships, obv the more products I display, the more chance of increasing sales, just disheartened at the prospect of relisting all those products I have got listed. I thought a CSV (?) file would be the answer, but both suppliers have different formats.....going to have another play around see if I can find a fix before brain numblingly listing every single item seperately.

Sooooooo tired.....got to do dinner in a bit too

debtfree2015_2

Well Ive just posted my self employment details to jobc, & complained re PPI from an old loan with HSBC.

If Im successful, I worked it out to be around £500, as I refinanced as soon as I realised it wasnt compulsory so paid the premiums for around 1 year. Im working this out by my refinance loan which was £50pm cheaper! I cant remember if I was charged an early settlement fee.

If I do get a refund Im going to ask that they use it to pay my overdraft & close it, or towards the credit card I hold with them.

Im am not banking on it, but it would definately be a nice push towards my debt free date

I had originally emailed them, so they sent me the form with a prepaid envelope so just paid 77p to add recorded onto it.

RE my last message, Ive decided to stick to where I am for now with my website, until I am making regular sales. I am getting daily visitors now so will get there soon:T In the meantime, I will load up all my products in excel so its an easy transition when I go!:)

never_too_old

Good luck with the ppi claim, i have one going through and have been told the figures just waiting for the cheque,Not that im too excited about it as its going straight to hmrc but it is helping us out of a hole.

What do you sell ?:D

debtfree2015_2

Thats good! I mainly spiritual aides / giftware.

No payments today & NSD

Nearly went into meltdown when my PC seemed to crash & all disappeared. Thanks to the local comp shop writing down some instructions after explaining I had ZERO in my purse & needed comp for work, I was so desperate I was in tears.

Turned out to be fake viral - everything gets hidden to make you buy a certain antiviral software.

I havent opened dodgy emails or been anywhere dodgy - I think I know what caused it though. On certain sites I get bombarded with 'amazon is trying to open a site in your name' I always click no, but yesterday with twinkle on my lap messing around I clicked yes by accident. It opened up a normal amazon looking page, I closed it as soon as I realised. The comp man said it was prob a fake site to get details especially as I wasnt searching for anything it popped up of its own accord.

He gave me the name of a spyware remover & told me the files would be hidden & they were! I thought Id lost all of dd;s photos since birth :eek: I was just so relieved

Will have to buy the guys that helped calm me down a box of chocs when I have some pennies. Sooooo glad to have my computer back :T

never_too_old

Hi

my cheques arrived today just over £4500 will be winging its way to hmrc in about a weeks time.:)