£25,000 to clear. Ready...steady...GO

banwa

Thanks for the advice, good people. I have invoiced the buyer now.

Good Things about today :j

• 2 more items sold on ebay
• Half way through weekly budget and half way through the week, fridge is reasonably stocked, car full of diesel. If I can stick to my budget I will be so happy

Bad Things about today :exclamati

• Still no payment from buyer for Sunday's sold item

Spends today

1. £45 diesel. Tank fullish.
2. £2.83 on veg. Used coppers again much to the disgust of the 12 year old on sainsbury checkout.
3. £10 on a year's supply of coffee (literally) so pleased with that
4. £15 dog food for inlaws (I can get it cheap from work)

Still undecided on how I will tackle this overdraft with the 0% credit card. It makes financial sense to transfer a positive balance onto the barclaycard to use as spends but it somehow feels wrong.:rotfl:

DedicatedDFW

Hi banwa and everyone

Just wanted to say i've read your thread and love your focus and enthusiasm - *i may also have to borrow the idea of good things and bad things* - i think it will help me truthfully address the bad things that i do rather than trying to justify things like 'ooh i just got a stunning top which i'll wear lots for £20 instead of £60 = bargainously good thing :j i'll be more - 'i just spent £20 on a top which is lovely and reduced but that £20 could have gone to the debts and i have plenty of tops so it wasn't really a need' = bad thing :rotfl::rotfl::rotfl:

Just wanted to say about your e-b*y buyer who's not paid yet that i wouldn't worry - its coming up to the end of the month so they could just be waiting of wages going in / waiting for someone to pay them for an item so its just funds going out of their paypal account. Or they've won and will pay after a couple of days. - I know its frustrating when you want the funds in and the item gone - i'm often impatient for this to happen too - but it is great that its sold and i'm sure the money will be paid to you soon.

Have subscribed to your thread so will stop by again - though i do talk alot as you may have noticed :rotfl::rotfl::rotfl:

Beencounting

Looks like you've updated your signature Banwa...movement in the right direction :T well done.

Been

banwa

DedicatedDFW wrote: »

Hi banwa and everyone

Just wanted to say i've read your thread and love your focus and enthusiasm - *i may also have to borrow the idea of good things and bad things* - i think it will help me truthfully address the bad things that i do rather than trying to justify things like 'ooh i just got a stunning top which i'll wear lots for £20 instead of £60 = bargainously good thing :j i'll be more - 'i just spent £20 on a top which is lovely and reduced but that £20 could have gone to the debts and i have plenty of tops so it wasn't really a need' = bad thing :rotfl::rotfl::rotfl:

Just wanted to say about your e-b*y buyer who's not paid yet that i wouldn't worry - its coming up to the end of the month so they could just be waiting of wages going in / waiting for someone to pay them for an item so its just funds going out of their paypal account. Or they've won and will pay after a couple of days. - I know its frustrating when you want the funds in and the item gone - i'm often impatient for this to happen too - but it is great that its sold and i'm sure the money will be paid to you soon.

Have subscribed to your thread so will stop by again - though i do talk alot as you may have noticed :rotfl::rotfl::rotfl:

Hello DDFW :wave:,

I'm really flattered that you might borrow the good thing bad thing idea. I think it does help; throughout the day, as things happen, I summarise the event in MSE diary speak in my head (sshh) so it does mean that MSE DFWism is always in the forefront of my mind. I just hope I can keep it up.:o

In the past I have fallen off the wagon and felt too embarrassed to come back but what I now realise is that no one here judges, they just support and understand. We don't PLAN to go mental one month but if we do I really think we can carry on where we left off without judgement.

Anyway it's catching, I'm blethering away too

banwa

Beencounting wrote: »

Looks like you've updated your signature Banwa...movement in the right direction :T well done.

Been

Oh Been *sighs*, it is going the right way but it feels sloooowwww. I have a load of balance transfers I need to do soon, so the fees are going to add to the overall total so it's going to feel even slower for a while

banwa

Good Things about today :j

• 2 ebay items sold last night sent. Feel v efficient. Used all recycled packaging too, made a box from scrap at work etc. In fact the jiffy bag I used on Monday was one I had 'rescued' from the bin at work.
• Balance transfer joy (see below)

Bad Things about today :exclamati

• Nice bag sold for 99p. Wish I'd kept it, it was a bag I bought for my honeymoon. Feel full of regret. Really thought I would get more:(
• Balance transfer despair (see below)

Spends today

1. £7.69 postage. Not counting out of budget though because someone else has paid it.

So balance transfers, what a roller coaster today, phewf. :rotfl:


Balance transfer despair
Was wondering to myself when the egg deal actually ends, so checked online. It runs out in 4 days time. The goes up to nearly 26%:mad:. Immediately applied for a new card but when I didn't get an instant decision spent the afternoon pooing myself that I might not. What if I have run out of luck with the 0% deals. What if soon I have to pay 26% on everything? I couldn't concentrate, I felt sick. (I am a natural worrier you might have worked out) I felt like I couldn't do this, it's all too much.:(


Balance transfer joy
And then, I got home to a statement from a Santander credit card that I never use and I thought, whatif:idea:? What if they will let me use that to transfer the balance of the egg card to? It's worth a call. And guess what? They are giving me a year's interest free credit at 3% fee :jif I transfer before 10th November (I couldn't do it there an then because I need a new card sending to me)

I can't tell you the feeling of relief. Not just because I don't have to pay the interest. But because I feel like I'm in control, becuase it felt like the planet aligned just for me today and because I CAN do this.:D


Banwa

DawnW

banwa wrote: »

Good Things about today :j I can't tell you the feeling of relief. Not just because I don't have to pay the interest. But because I feel like I'm in control, becuase it felt like the planet aligned just for me today and because I CAN do this.:D


Banwa

Yep, you absolutely can - I did :j!

Good luck :T

Skintfoodie

Ah Banwa that's excellent news!

Knitting_Nora

:T Brilliant Banwa - keep it up! :T

mildredalien

Great news about the balance transfer deal!

I gave up on getting new credit cards with 0% deals ages ago, although I can't even remember the last time I tried... I never know whether it's worth it or whether getting refused will do my credit rating harm so I just never do anything at all!