money talks!! time to pay up and shut up

elly68

Well I swear it does every time i'm on the net or in a shop,it shouts you want it you know you do go on theres plenty on the card well i've decided no more .I maxed a cc at christmas to get mine and other people and other peoples kids the things they want or i think they need not sure any more but what I do know is i'd be stuffed if I didn't have my job tomorrow or got ill .
SO THIS IS MY LBM:eek: ,been reading about these for the last 3 yrs and I have done absolutely nothing about mine until today.

My plan

I have an interview on Wed for a second job ,all money earned will go to said cc £10,500 hope to have it cleared by the end of the year.

Ebay /gumtree anything that we dont need think i'm going to find a lot of those lol

Clear out the vodka bottle and my secret account and make a payment to cc sorry should have said 3l empty half full of coins :rotfl:

Try to live off £50 a week i know for some this is a lot but with 2 adults 2 kids and a dog ,i'm doing well on this before xmas would easily blow 200

we have roughly cc 1 3500 cc2 8000 cc310500 and od 3500 now this looks bad however due to current wages and house move we are now at the half way mark of clearing the debt .

oh looks after his 2 cc and is paying lump sums into these so these will move quickly .

i'm going to split the £10,500 as i have a 0% offer on an empty card for £3000 which will cut the interest .also going to look over the bank statements see what we can get rid off .

well feels better written and got a feeling friday will be my last dye and cut at £35 for the year if i dont get my second job wish me luck;)

elly68

ps the shut up part is the day i cancel this card ,so for a while it will be pay up

jwil

Good luck!

Hovel_lady

Very best of luck with your plans. How did the interview go?

PS. I do hope you don't really have £310500 on one of your cc's :eek:

elly68

Hovel_lady wrote: »

Very best of luck with your plans. How did the interview go?

PS. I do hope you don't really have £310500 on one of your cc's :eek:

I know read that back and laughed think I'd currently be on a plane to timbucktoo lol.The interview is next wed .

I picked up a second hand freezer today and reckon i will make the £51 back in no time with being able to freeze left overs and buy special offers well pleased as its an almost new hotpoint with a good energy rating .
going to bag the change tomorrow and pay it into the card and do the balance transfer .

elly68

well setting myself tasks find it easier
1contact santander for new pin and cc
2 send letter to ombusman
3 enter 2 competitions with the caravan club
4 enter morrisons competition
5 do all washing and keep back stuff that doesnt fit kids to ebay,gumtree
6 relist on gumtree and ebay
7 remember to do green giant survey every day this week ,5 days and i get my £45 amazon voucher.
thanks for reading i'm feeling good re this interview wednesday .
can i ask the women out there that work anybody do more than 48 hrs a week

elly68

WEEK 2
well interview went not bad ,no overtime if i cant do weekdays might have to discuss this as 30-40 mins journey so fuel to cover .lovely place though nice people simple job will do the maths and pros and cons.
still not contacted santander will do this week .
have £74 in bank account going to pay into cc
need to look for a new mobile phone any cheap ones going???
will fill out the nhs 24 application form and send cv into 2 mat leave cover jobs .
awaiting amazon voucher
been tight on the shopping the new freezer is paying for itself already .
going to gut my bedroom might find some gold lol
going to sort out house whilt awaiting the shifts to come in and put an ebay box into my bedroom hope to fill it then me and my camera will go to work .

elly68

1.nhs 24 application sent
2.new phone £3.00 more a month however will sell phone and get a cheapy .
3 bedroom sorted new bed arrived old bed sold £60 in bank
4.need to contact santander will do today
5 add junk to gumtree seems you only get sales with mobile number on gumtree.
well fell off the money saving wagon this week shopping above average and ,night out however i only go out 3x a year without hubby and me and my pal put a kitty in only £40 spent including £30 in taxis so well happy good blether ad relaxation an drink.
I need to focus though i'm going to look at the old phones/cameras today see if there is any money in them you never know .
have some kids clothes ect so going to iron and put in bundles .and other things to get rid off .ned to stick to shopping buget but loo rolls and soap powder bought this week .going to buy family rail card with tesco vouchers god this has been a bit of a ramble but hey feel i'm getting somewhere

elly68

well finally contacted santander so new cc and pin number on the way .topcash back 32.50 so will pay into cc once cleared .i alo have some money in my ebay account away to list to try and increase this

elly68

well day off today as dd is sick will use it to clear out upstairs cupboards and post items on gumtree/ebay hopefully make some money

elly68

have sent an email to tesco for old clubcard details might be some points lurking lol