Mum2one - next chapter - baby steps make big strides

mum2one

Thank you, xx

mum2one

have gutted DDs bedoom yet again, thou hopefully stay tidier this time! at leat took 2 hrs...... compared to 8 hrs last time!

Money wise - good news got my plan through from CCCS feels more real now that I have a proper number and template letter for creditors, - its estimated that I can £214 per month, so fingers crossed the creditors accept it.

Money saving day again 2mor, - baking scones and biscuits.... not gd for the figure but thats on the to do list! xx

taxi73

gosh they were quick good luck with the plan

mum2one

Rang CCCS just to check re payment, as miss Sept DD to them, I can pay manual, (one relief), then be 1st of the month, the bloke said that once they get my paperwork back it takes about a week to get hold of the creditors, but as far as there concerned its all in their hands. Good as well as all the money I pay goes straight to the debts.
10 letters printed off - ready to fill in and post ova weekend.
Spent 3 1/2hrs on phone (most of it on hold) getting benefits changed over to new account, - one payment going in Tuesday, fine as that cover internet DD, then next payment Fri be in new account.
xx

Keeping_Positive

Good to see you are still plodding along. CCCS sound like they will really help. Oh and a belated congrats on your fondation degree :j:

mum2one

Keeping_Positive wrote: »

Good to see you are still plodding along. CCCS sound like they will really help. Oh and a belated congrats on your fondation degree :j:

Thank you, hope your ok,. xx

mum2one

Feels weird as payment due this week on loan, will be the last payment I make before CCCS get all the fun and games. Updated personal IOUS.. or should i rephase that as dad i owe you.... (been over the year).

chq book -150
cap 1-200
Visa 175
car- 290

loumac

You sound so positive, you really seem to have got things in check, well done. :j

mum2one

Its official..........

My new financial life is started.

My new bank account had its 1st incoming today, - already had to make a couple payments,
£5.50 - cinema card - gives me a bogof access anytime for a yr
£42 - 7 week term for tap for DD - shes changed from tap, ballet, freestyle to a new instructor and concentrating tap only save £1 week, but also save £2.50 week as we had to nip to McDonalds enroute before she went to youth club, Dads paying the next batch

It was budgeted for!! that feels so good.

Sent all letters to creditors, they should get Monday, all documents done for CCCS (again they should get Monday), rewrote to my bank about bank charges - using financial hardship, bank changes £1.300, if add interest takes it to £1610 (really if they coughed up the lot, I would have an OD of £20).... but we're see. They've got 14 days if they won't co-operate then go to Financial Obsbumen.

This week we've had days out but all been carefully spent and used national trust - off again 2mor to NT property, were paying £7 for DD and me to go on tractor ride round deer park, they only do it twice a yr.

Then DD back to school on Wednesday, sounds really weird but going to miss her like mad.

new diary brought (half yr start) so thats got all incoming etc, really looking forward to being debt free, even if it takes 10 yrs... get there, just got to hope all creditors agree to repayments offered. if the don't can't get blood out of a stone. xx

taxi73

all sounding very positive