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No idea how I got here but need to get out of this place!

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  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Hi missrir

    You're going great guns there, you are really well organised.

    I love your description of the call centre, it made me laugh out loud, especially the question 'what colour knickers are you wearing today?'

    Keep at it girl!

    Piq
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • missrlr
    missrlr Posts: 2,192 Forumite
    Well it's being a slow old month, have £26.30 left of my allowance for the month.
    Just hoping wages make it to new account and dd change over works
    Trying to resist alcohol might have to have ONE small glass of vino
    Gym tomorrow but late in am
    So just a wait and see plan at the moment BORING
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • missrlr
    missrlr Posts: 2,192 Forumite
    DH managed to get the spare money in his account to the anti santander fund plus has overtime this week And possibly some for next week too!
    Viewing on house already within24 hours of it begin advertised as well so high hopes any void will be small.
    Good news form work 4 weeks and my workload decreases by 33% when new bod starts yippeee!
    Heating off as was warm, plus all washing dried in the air!
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • missrlr
    missrlr Posts: 2,192 Forumite
    I hesitate in saying this, but checked former bank and it says no DD and SO set up, checked new A/c and funds are IN. Now all I need is for the payments to all go out as they are supposed to .... actually surprisingly nervous as if these mess up then I am going to be playing the run around game with payments. Have all the details just in case I have to start making random payments and all the phone numbers just in case, especially for credit cards and so on.

    Really it should not be this worrisome!

    Galloping towards the end of the month with £22.84 in hand
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • missrlr
    missrlr Posts: 2,192 Forumite
    Halifax have sent to date a total of 11 (Yes ELEVEN) letters addressed to either DH or myself or DH and I. Just to set up one account in joint names with online banking. That still does not get the to point when we tell them which direct debits to move. Talk about wasting trees!

    So new bank account is functioning - it accepts money and it has give n money to people, whether of course the people have received the money is another matter - only time will tell.

    Barclaycard and Scottish Widows are incompetent beyond belief .... Barclaycard got the DD change, and did nothing with it. If I had not double checked their online system it would have gone horribly wrong when they tried to take the DD from the old account. As it is because they take 4 million years to update their system the DD won't work this month and I will have to manually pay the idiots. :mad:
    Scottish Widows claim NOT to have ever had any information, but the bank sent me a copy of the acknowledgement letter SW had written - honestly a well known phrase including booze up and brewery springs to mind.

    DH was quite happy he had made the overpayments target for las month, but is now in a funk as his OT payments for this month were too late to be paid in March payroll, so will all be paid in April.

    I have had a bit of an Ebay session recently - wardrobe was, given the role I have in the company, dated and a bit past it's best. Have had a few comments when wearing the new stuff about how nice I look and how smart. I needed to keep up appearances but I need to make sure I balance the payments made with sales made as far as possible. Not too bad so far, but I do not need to be spending anymore without any income coming back.

    Friday and Battle of the Barclaycard await me. The joys of life :rotfl:
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    You're doing really well missrir, yes there are a few hiccups, but your head is in gear and you're just getting on with it all. Everything will pale into insignificance when those debts are gone!

    Piq
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • missrlr
    missrlr Posts: 2,192 Forumite
    Barclaycard are impossible. I have manually paid them as apparently they can't be bothered to take a payment even though I have given them permission to do so. Now I confidently predict they will take the money on Monday from one of the banks and mess up my account meaning I will have to spend time, energy and effort sorting out with some sort of foreign call centre operative this avoidable !!!! up

    My hair is driving me up the wall - it is going to be cut off. it is far too long so when I go to the gym it gets soaking and its heavy so pulled all out of shape. Task for Saturday is to get a hair cut (and not too expensive one but if I end up looking like a rag bag I will be even more piddled off than I am now).

    Last of the evilbay items arrived today, :j smells a bit musty so will be hopefully hanging that out to air over the weekend weather permitting. It is navy blue - not that different to black but not black either. My lovely MIL has offered to knit me a cardigan wrap top (I admired hers when she was last over) so have chosen NOT black but mid blue colour in an effort to have a not black wardrobe. :p

    I have just realised I have managed to get to the end of last month with £20 left in my purse. This means I underspent by £85 on me - vast improvement on the £100 limit I set myself. As I have to have a haircut I can use this towards it :T I think perhaps this month I have to make a little me time and have a treat, may be a eye brow wax (not actually nice but the end results are good)

    Hair cuts for me are not treats as my hair drives me up the wall if it doesn't work especially as I need to be of a reasonable appearance for actual paid variety work.

    Plus it is so irritating when you have meaningless drivel spouted at you about "do you have a holiday plans?" (No we are broke no plans unless we win the lottery), "isn't the weather nice bad / cold / wet" (I don't care stop gaffing and get on with focussing your attention on my hair, which is actually the job I am paying you to do. If you focussed then I would be out of here in 30 mins not an hour so I could regain 30 mins of my life and do something useful :mad:) plus the inevitable hair down the back meaning you have to have a shower or spend the rest of the day itching and people looking strangely at you as you wriggle along the pavement. Or the bit where you look at the "finished product" and think "it's rubbish - do it again." followed by "Oh god if I say that she will wield the scissors and I will end up spiky multi coloured half bald" :eek:

    The torment of the hairdressers :(

    perhaps I will just take a pair of clippers and cut it all off - say it was for charity and be done with it.

    Answers on a post card please
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • missrlr
    missrlr Posts: 2,192 Forumite
    £100 from switching banks appeared in account and has been snaffled to the Anti Santander fund.
    Managed to finally persuade Santander to close my current account (I really couldn't handle the lack of customer service any longer) and VodPhone to accept I married and changed my name.
    Plus I have taken boots to be reheeled £3 bargain whilst I waited and found big bag of dog chews cheap, avoided spending on coffee in town and found bargainous hair cut £23 which actually worked plus importantly replaced the broken sports bra which nearly blighted today's gym session by giving way justas I did up my trainers but before abandoning the house , for again a bargain price £3 in Mr T sale !!
    Also snaffled the £85 underspend last month to the eek fund just in case .
    DH has overtime confirmed for next week so all good there now for a hot cross bun and a post dog walk snooze - Doglet has beaten me to it.
    Oh and MORE prospective tenant to see house on Monday fingers crossed
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • missrlr
    missrlr Posts: 2,192 Forumite
    Well we are on count down here for the tenant moving out day. I am trying not to think of state of the house, but 1 agents have told me it is grubby and needs a good clean. It is beyond me as to why people find it necessary to live in squalor! I mean why do people think it is OK to get a house filthy dirty and then leave it uncleaned? And current tenant or her uncle has been smoking in the house, which has put 2 prospective tenants off - despite it being expressly prohibited in the Tenancy Agreement. Why are people so disrespectful of property and other people's possessions? This house was my home, it was immaculate and was totally refurbished to a high standard (as in not cheap letting standard). I wonder if I am better of selling it?

    That aside, 6 viewings to date, one lot thought the living room is too small (not a whole heap I can do about that really) and someone else wanted to see if there was anything else available (which there isn't) and 2 don't do smoke (fair enough) hopefully have a new tenant soon.

    So - work - well somehow I have managed to get ANOTHER project to sort. I really need to be learning "no" as I have 3 projects and 2 full time work loads as it is. It will be exciting, but I am now getting to a point where I think that there is a severe danger of some eggs falling out of the sky and being scrambled :eek:

    I have made a list of everything that is going on, what needs to happen for each part and by when, plus who is doing what (where I know) but I think the goal posts are being moved on me so just have the impending "du du du dur durdur, dur durdur" sense of impending doom.

    Right nose going to be placed firmly back on the grindstone otherwise I will drown under emails.
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Ah yes, the moving goalposts... just when you get used to that, you discover they've all moved to another field and left you behind!

    I know what you mean about a lot people seeming to have no respect for things, it's horrible for you when you've put in all the work to make a nice home to have it spoiled.

    Keep smiling, you are doing remarkably well, you should be very proud.

    Piq
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



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