Finally reaching out for some help...

kerri_dfw

Smiling_Ducky wrote: »

Just been reading through your diary.
I'm so pleased that you're doing well

I've got a couple of questions, that aren't really related to your debt (hope you don't mind!).
I've seen people saying that they have subscribed to this thread (I'm presuming so they can catch up easily?!) How do you do that?! Also, how do you join the MySurvey site? I've been wanting to join one for ages but am a bit scared and I've read really good reviews about that one.

x

Thank you smiling ducky

To subscribe to a thread scroll the to the and where it says "thread tools" click "subscribe to this thread" then you can choose whether it emails you or not. To find the subscribed ones you go to "quick links" then "subscribed threads".

You can either sign up to mysurvey through the referrals board, or if you have topcashback then click through from there and earn yourself £1.75 in cashback

Oh and I don't mind helping people at all, I really enjoy it in fact

kerri_dfw

Gah, credit card statement messes with my OCD.

27 Nov 11 BILLED DEFERRED FINANCE CHARGES £3.09
27 Nov 11 OVERLIMIT CHARGE.......................£12.00
27 Nov 11 CASH INTEREST..............................£5.56
27 Nov 11 PURCHASE INTEREST......................£14.58
27 Nov 11 DEFAULT CHARGE INTEREST...............£1.63

So instead of it being £490 left to pay it's £526.86. I did put £490 on there earlier, so I'm hoping that this will mean next month they don't charge me interest I don't understand what all the charges mean if I'm honest.

RosaBernicia

The deferred finance charges and default charge interest look unusual. I thought the order of payments was usually changed now so that you pay off charges first? Though perhaps that isn't enforced yet.

You are such a lovely person to say sympathetic things about the 'person under a train' - the collective sympathy level is usually low... but that's one of the (many) reasons I don't live in London any more

Rosa xx

ZTD

Cherryjack wrote: »

you done so well with the shops ..
so sad about the people doing that... only 8 years ago was i at westminster uni and i never heard of it once.. shows how bad it must have got out there for some people (

Years ago, it was usually couched in euphemism like "passenger difficulties" or something like that.

RosaBernicia

Yes, for a while they stopped making it clear what had actually happened but the policy seems to have changed again. Probably because everyone figured out what it meant anyway and because it does make it clear that the issue isn't necessarily in the control of TfL - they have quite enough carp that they are responsible for.

Ro xx

ZTD

RosaBernicia wrote: »

Yes, for a while they stopped making it clear what had actually happened but the policy seems to have changed again. Probably because everyone figured out what it meant anyway and because it does make it clear that the issue isn't necessarily in the control of TfL - they have quite enough carp that they are responsible for.

Like leaves on the line and snow on the underground...

strawberryR

kerri_dfw wrote: »

Thank you smiling ducky

To subscribe to a thread scroll the to the and where it says "thread tools" click "subscribe to this thread" then you can choose whether it emails you or not. To find the subscribed ones you go to "quick links" then "subscribed threads".

You can either sign up to mysurvey through the referrals board, or if you have topcashback then click through from there and earn yourself £1.75 in cashback

Oh and I don't mind helping people at all, I really enjoy it in fact

Thank you to you as well, not as brave to start my diary yet but have signed up for mysuveys and through TCB!:T:T:T

Lula-Hula

Morning Kerri,

you're doing so well, annoying about fleabay p&p loss though.

I've been culling my wardrobe again & although I know I should put stuff on ebay to sell, I tend to take it to local charity shop. Eventually I hope to have a very minimalist looking home but not sure if I'll ever actually achieve it :rotfl:

Loving the daily good deed, I like to keep my karma topped up too & it usually results in something wonderful, my favourite is letting people in, in traffic queues, they always look so surprised & pleased & it starts my day off well.

A few pages back you asked for opinions on whether to pay off higher interest debt first. Not sure if you've already done this, but my opinion is to ALWAYS clear higher interest stuff first. As you clear each debt, you'll improve your credit rating & will hopefully end up being able to do cheap balance transfers

Tidy those balances by rounding up - can't bear those pennies :rotfl:

kerri_dfw

Eugh my head hurts 1 bottle of creme de cassiss, 1 bottle of muscadet, 1 bottle of dry white wine, and apparently most of a bottle of amaretto later =/ But I was the most drunk, the funniest, and seemed to have all the men flirting with me... or I was teasing them, one way or another I wasn't short of a conversation. Oh and I have a rather large egg shaped bruise to the right of the bottom of my spine which is making it painful to sit/lie down/walk/do anything after I accidentally fell down 5 steps. I do remember at one point there was a piggy back to stop me walking into lamposts and fence posts on my way to the club. The rest is a bit blurry.

Damage to wallet is unknown, but I think Waitrose was about £26 and the club was £6, and I may have given my friend £5. Oh and there was the costume which was about £26... I will check receipts later.

Ow my head =( ow my back =( There was also some dancing at some point and I think I'm meant to be at Waterloo right now, eep.

Cherryjack

oh kerri the egg shaped lump sounds awful lol you poor thing .. definetly chill today