Deliciosa’s DFW diary

deliciosa

LookingAhead wrote:

"Yeah I see what you mean about the overdraft - cant you open a new account and have your slaary paid into that and just pay off the overdraft by bank transfer step by step? or is that a bad idea?"


NOOOO it's a good idea (and one Moozie suggested too a while back) but my overdraft is so big that I don't think anyone will have me!

Plus First Direct might demand all the money back at once if I move my salary payment elsewhere (I think they can choose to do that if they want to) and that would leave me well & truly stuffed, I'd have no chance to clear it in a hurry.

But in principle I think it is a great idea

To be honest I dont think they can demand the money back - on what bass? that you do not use the account? that couldn't have been a condition of the contract between you and them.. they gave you overdraft all right but i doubt there was a minimum pay-n condition - i very much doubt it. That would be unfair terms anyhow. (can you see the contracts lawyer in the making??? i have such a good mentor.... )) i hope i be a contracts lawyer one day) a debt-fee contracts lawyer, that is...

:j

deliciosa

slowlyfading wrote:

Great about your ebay items. I'll have a nose in a minute. I haven't really got anything I could sell. I dont have a lot of stuff anyways, and use most of it. Bring on the holidays, that's what I say. Am in a rubbish mood, but that's another story. Keep your chin up.
Nicola x

Ohh whats wrong? what happened? are you ok????????? ((((((((((big hug)))))))) please tell us maybe we can help

deliciosa

Updates:

HSBC: sent off second letter on the 2nd of March. Received £20 as a goodwill adjustment (!!!). Sent third letter thanking them for the goodwill adjustment and reminding them that they now only owe £365. They should have received my letter by 9am this morning. :j Even if I dont get a penny back, writing this letter was pleasure itself.

Ebay: Earned £17.50 so far and dior cream is currently at £35, cant believe it.... :j :j :j hope they do pay.

Paypal: phone money stil not on my account. hope to see it there tomorrow morning.

General: earned £20 yesterday for teaching. will put on my card at work and will use for working lunches. should be enough for a month.

Need to buy shoes today. Dont have anything to wear.
and tonight we go out to a lebanese restaurant with friends. I received £5 travel allowance so I throw it at the dinner plus £3 budget, that should be ok.

:j :T :beer: :beer:

slowlyfading

deliciosa wrote:

Ohh whats wrong? what happened? are you ok????????? ((((((((((big hug)))))))) please tell us maybe we can help

I'm fine, here is not the place to talk Congrats on the Dior cream, looking good now. You're really sorting things out, keep it up
Nicola x

atypicalblonde

Hi hun, just read through your thread and you are an inspiration, keep it up!! x

deliciosa

slowlyfading wrote:

I'm fine, here is not the place to talk Congrats on the Dior cream, looking good now. You're really sorting things out, keep it up
Nicola x

oh if you want to talk about it please feel free to send me a pm... maybe i can cheer you up!

I cant believe that ebaying is going so well. Thank you for suggesting it. I already gained about £200 just by selling my unwanted stuff, this is incredible! (I just think the fees are too high, oh well...)

:beer:

Right today I went shopping again - I really had to I only bought absolute essentials: two pairs of shoes (needed!! this is not an excuse I swear.) and - only £10 each pair!!!! also one cardigan (absolute necessity, only have one apart from it), for only £5. Skirt: needed, only £5 and looks absolutely amazing. So basically for £30 I got a top, a skirt, and two pairs of really fab and comfy shoes (need for work actually) - well i think this is pretty amazing.

And I did not go out with my friends so I threw the fiver at the skirt, so I actually only spent £25. Instead i bought potato croquettes for only £80. theres 12 in it so i eat 6 now and 6 next time, i know you might think im crazy but i absolutely LOVE LOVE LOVE them, just as they are, with lemon!

ohh the oven is beeping, gotta go get them

deliciosa

atypicalblonde wrote:

Hi hun, just read through your thread and you are an inspiration, keep it up!! x

Thank you, its so nice of you to pop in! lovely people like you who come and encourage me are the ones that help me keep doing

thanks again x

atypicalblonde

I too am ebaying loads of things at the minute - trying to pay off a dreaded overdraft! Its a great feeling isn't it when people bid on your items!! :j

deliciosa

atypicalblonde wrote:

I too am ebaying loads of things at the minute - trying to pay off a dreaded overdraft! Its a great feeling isn't it when people bid on your items!! :j

ohh gosh, it is!!!! i cant believe someone actually wants my things, and to see the little green numbers grow is just amazing...

what sort of things are you selling? how big is that overdraft?

(you need a signature!!!!! )

lynzpower

hi hun!

Just checked in on this and I just wanted to let you know something about Green metroplis.

Basically theres a queuing system. So if you are selling a copy of say the da vinci code, you are going to be waiting a long time as you were last in, so they have to sell a LOT of copies before yours gets sold.

The quick ones to sell are always those that no one else has got for sale.

Its a slow burner GM, Ive been selling there for about a year. Sometimes I get nothing for ages, and then randomly 4 in a week! But then its really zero effort to do with the put them on there, takes seconds.

Keep going chicken, youll get into the swing of things, you are doing really well.

The important thing is dont beat yourself up about it. Enjoy your progress!!!!