Deliciosa’s DFW diary

deliciosa

Right, I decided to force myself back to the bright side of life because otherwise I will just feel miserable.

So, I have flled out a complaint form for HSBC at the financial ombudsman service and I am posting it today. No change to my account balance at HSBC so I guess they dropped the case. I received another "So sorry we will forward your complaint blahblah" email again today, identical to the first five. So its going off today and I guess it will take about 8 weeks - well I guess I'll have to wait, that’s my best bet. And I feel very good because even if they decided to close my account I would be able to get that money together and pay them back, because, believe it or not, I have only £1020 outstanding1 I know I said this already but I cant actually believe it… this card has been maxed out since September 2005! Every month I struggled to make the minimum payment and whenever I made it and it cleared, I spent it all again, it was always maxed out. And now, the balance is £1020!!! I have £1000 available credit! (now now, I am no going to spend it seriously) but yesterday we went to selfridges with friends and Iw as walking there in the handbags section and I saw bags for like £780 etc and I said to myself, WOW, I actually COULD just hand over my plastic and buy this gorgeousness, and it was a great feeling that the fact I am not buying is NOT that I can not, but it is actually my choice not to.

Amazing. And the same on american express where I have about £900 available, tooo… how great to know that I have access to it and I still restrict and also save too. I am tryign to feed myself with these positive thoughts because it si so ahrd to hang on and so hard not to give up…. Yesterday I gave up a little and had a starbucks drink with my friends, but you know what? I am saving ore than £400 a month, I am bloody allowed to treat myself from time to time! True, I messed up my life with debt and I am the only one to blame but I am not in a situation where bailiffs are coming after me or where my debt is unmanageable, thank god. So I don’t need to save desperately and every penny, and whilst I understand that saving is priority, I just realised that it will take me another 6 months to clear my debt, but at least 5. Now if I kept on saving and saving and denying everything, I will lose 6 months of my life. I rather pay my debt back over 7 months instead of 6 and actually have a life in those seven months, than to lose 6 months and be miserable, especially for the whole lovely spring and summer, I am 25 and I can not afford to lose 6 months of my life just because I was a fool two years ago. I face the consequences but I will not be an other kind of fool and deny myself everything. There is nothing scary about the situation now. A year ago I had twice this debt and no job. Now I halved my debt, have a great job and housing security, I have nothing to be afraid of, yes the debt is there but it will go away if I consciously pay off chunks. I am not in arrears, I am not being threatened by creditors, nor harrassed, I am easily making much more than the minimum payments, my cards have better percentage and deals now, I have to stop panicking, and I have to start getting my life back as well as paying off my debt too. I don’t want to end up in the hospital again.

Sorry for the long ramblings. I guess I needed to get it out of my system. Please tell me if Im wrong. So I make a commitment to reduce my debt every month by £400 a minimum. This can be the sum of card repayment and the saved money. I wont save more than like £40 or so a month but I do want to put a little bit aside so that I know that I have actual positive balance, real money somewhere, as opposed to the "access of money" that I have on my credit cards. So if anything happens, lets say cards become cancelled etc, stolen, lost, whatever, then I will have actual money to spend until thew situation clears up. And I have revised my goal on amex too. If you rememer, I am spending on amex because this gives me air miles. Now billing date is the 26th of each month and I need to make payment by the 20th of next month. This means if I pay back the full bill amount I wont get charged interest. My goal is to keep the amex bill under £600 by the 26th of March. This can very easily be achieved. Not evry easily, but you know. And then to keep it under £700 by the 10th of April. Now this will be ahrd cus this will mean I can only spend £100 in 15 days and this is actually the weekend when I go to Stockholm. So I will see ut that’s the goal. And if I earn soemthing from ebay I can throw it at the spending money…

I still have not received the greenemtropolis monies even though I requested them a week ao. I know theys ay bank transfers usually take 5 to 10 working days but they are usually there within a week so I started to get worried a little bit. But in any case, we will see what happens. I ahvent sold any more books on that one. Ebay update: only one of my items is selling, the body butter from the body shop and for a suprisingly high amount, £3.40 plus £2 postage, that’s almost the RRP! The rest of them don’t sell at the moment which makes me slightly worried, but I know ebay enough now to know that most of the itesm only sell within the last two days… so right now I have a perfume there, for men, so I expect to receive about £15 inlc package for it. That’s £20 alltogether. I also have a colleaction of luxury soaps, will be lucky if sells for £5, that’s another £25 and then I put an empty cream bottle there too just as an experiment, but I wont be surprised if it doesn’t sell… 2 people watching the perfume and 5 people watching the soap even though no bids so I hope that one of them will buy, even if only for the minimum price.

So that’s it for this morning… thanks for keeping an eye on me.

deliciosa

Spoke to HSBc they called. They say they only charged £12 once. What a lie.

Seaxwyn

deliciosa wrote: »

I rather pay my debt back over 7 months instead of 6 and actually have a life in those seven months, than to lose 6 months and be miserable, especially for the whole lovely spring and summer, I am 25 and I can not afford to lose 6 months of my life just because I was a fool two years ago.

Hooray!!! You have seen the light!!!

I was thinking about how to reply to your last post when you were so down was planning to write something along the lines of 'Your debt is manageable, you have a good wage, it's not a race to pay it off'

But I don't need to write it, you have written it yourself! Well done you!

At 25 and you have learned a lesson some of us much older are still struggling to learn - about being clear what you want and what is worth paying for. You will be debt-free this year and a good money manager all your life.

Skint_Catt

deliciosa can you give me your eBay username again please? I'd like to keep an eye on the stuff you're selling in case I like anything?

Thanks and keep your chin up - you are very right about having a life while you pay your debt off.

Catt xx

deliciosa

Helo again!

Catt, my ebay name is ayinreshyud. only one sellign right now... no more dvds only one and its not selling...

thanks for coming in :j

I have started to think about big dreams - mortgage! I just found out that Halifax is willing to give me £91600. But thats not enough, the minimum price here is £150,000... so thats a bit dissappointing, I need to read the mortgage forums...

:j

slowlyfading

I know nothing about mortgages and stuffs, but once you've got your debt sorted, would they given you a bigger number? Or is it based on income or whatever?
Nicola x

slowlyfading

oh and ps, dont worry about your ebay things. had a look, and they've got 5 days to go. plenty of time for bids!

deliciosa

Hiya Seaxwyn,

thanks for your lovely and encouraging words Yes, I WILL be debt free this year, I will be debt free this year, hopefully by September, but in any case, by the end of the year!!! :j :j :j I will I will I will.

I just checked your signature - you are very brave to face these debts & hope it will turn out well! Whens your dfd?? And what does LOB mean?

deliciosa

slowlyfading wrote: »

I know nothing about mortgages and stuffs, but once you've got your debt sorted, would they given you a bigger number? Or is it based on income or whatever?
Nicola x

its based on income Im afraid... but Ill check the mortgage boards for mroe help. but once I clearedmy debts I might be able to save up for deposit, maybe £10000 or so???

deliciosa

slowlyfading wrote: »

oh and ps, dont worry about your ebay things. had a look, and they've got 5 days to go. plenty of time for bids!

Hopefully!!!


did you see my long post before?