Scared as Hell

wiggles01

So today I called sky and suggested cancelling...they reduced my bills by £14.50 a month, gave me a £15 credit and upgraded me to sky HD+ which means I get all the sky anytime stuff!!!...more stuff for less money!! AWESOME!

then I rang the leccy company they set me up an £80 direct debit - i don't think thats going to clear me by the next quarter but it gets them off my back for a bit whilst I save

I have joint swag bucks and manged to earn 200 points already! i've signed up for my first mystery shop.. its only £3.50 fee but i get a free diner so i figure i'm quids in!

I have also entered hundreds of competitions! fingers crossed!

I'm feeling good today, have to admit I had a wobble last night when I went to be i think the enormity of my debt hit me - its more than a third of what I earn in an entire year, and i thought long and hard about the advice about not keeping it to myself.. I think for now this is our secret....i have been through a lot and was in a very dark place for a long time..I really don't want my parents to be worrying about me again, I think I want to be in control...1 loan ends this month, my electricity is sorted as in they wont cut me off....I think if i can get this stuff down to 2 credit cards maybe then I can mention it...

...did mange to spend £12 today mind....bread, milk, cat food, potatoes, onions, pizza and chocolate...:o

ineed

wiggles01 wrote: »

So today I called sky and suggested cancelling...they reduced my bills by £14.50 a month, gave me a £15 credit and upgraded me to sky HD+ which means I get all the sky anytime stuff!!!...more stuff for less money!! AWESOME!

then I rang the leccy company they set me up an £80 direct debit - i don't think thats going to clear me by the next quarter but it gets them off my back for a bit whilst I save

I have joint swag bucks and manged to earn 200 points already! i've signed up for my first mystery shop.. its only £3.50 fee but i get a free diner so i figure i'm quids in!

I have also entered hundreds of competitions! fingers crossed!

I'm feeling good today, have to admit I had a wobble last night when I went to be i think the enormity of my debt hit me - its more than a third of what I earn in an entire year, and i thought long and hard about the advice about not keeping it to myself.. I think for now this is our secret....i have been through a lot and was in a very dark place for a long time..I really don't want my parents to be worrying about me again, I think I want to be in control...1 loan ends this month, my electricity is sorted as in they wont cut me off....I think if i can get this stuff down to 2 credit cards maybe then I can mention it...

...did mange to spend £12 today mind....bread, milk, cat food, potatoes, onions, pizza and chocolate...:o

:T:T that's great news I'm so glad you got Sky and your electric sorted, at least for now. :T:T

It's ok if you need time before you confide in family/friends. We are all here if you need to vent . Keep us posted .

Teatime

Wow you achieved loads yesterday - well done!
That probably deserves a bit of chocolate.

Keep at it, you're doing great.

wiggles01

:wave::wave: hey everyone

well i have been busy busy busy today I had my favourite meal tonight Domino's - my last one..I had a voucher so i wasn't totally naughty but i've let go now...i'm ready...

I've registered with all sorts of things today!

Quidco £1.03
Topcashback £6.44
E-rewards 325 points
One Poll
You Gov
Retail Maxim
Superpoints

and my swagbucks is up to 150 points! I was hoping i could use my train jounrey to rack some up but the signal was rubbish - i only managed to earn 2 points in 1Hr 15

and i've also checked all my balances on my store cards

Tesco £7.86
Superdrug 73p
Boots £2.05

I have got a nectar card somewhere that i need to find...

So i've been very active to start earning extra's...

my next MSE idea is that i'm taking my phone charger to work to save on electricty! i've also found out that my local tesco gives a point for every can recycled so i'm going to start saving my cans as I shop there every month! every little helps!

snozberry

Super! You have achieved heaps already!

wiggles01

snozberry wrote: »

Super! You have achieved heaps already!

thanks Snozberry... i just wish it was money coming off my debts!

wiggles01

Ok so i've just done a snowball...

CCCS reckon i'll be debt free April 2016...ouch

however...snowball say Jan 2015 which sounds a start.. i know i'm kinda stuck because I've started the DMP but i'm thinking I can use it as a target and every extra I earn or save i'll pay off the card it suggested

I majorily need to monitor my outgoings... i'm going to do another SOA tomorrow with my new Sky :-)

Barneysmom

wiggles01 wrote: »

:wave::wave: hey everyone

well i have been busy busy busy today I had my favourite meal tonight Domino's - my last one..I had a voucher so i wasn't totally naughty but i've let go now...i'm ready...

I've registered with all sorts of things today!

Quidco £1.03
Topcashback £6.44
E-rewards 325 points
One Poll
You Gov
Retail Maxim
Superpoints

and my swagbucks is up to 150 points! I was hoping i could use my train jounrey to rack some up but the signal was rubbish - i only managed to earn 2 points in 1Hr 15

and i've also checked all my balances on my store cards

Tesco £7.86
Superdrug 73p
Boots £2.05

I have got a nectar card somewhere that i need to find...

So i've been very active to start earning extra's...

my next MSE idea is that i'm taking my phone charger to work to save on electricty! i've also found out that my local tesco gives a point for every can recycled so i'm going to start saving my cans as I shop there every month! every little helps!

You have just given me a fab idea! Why don't I charge my phone in
the car, I use it every day! (can't charge it at work)

Thanks you!


You are being so positive, I think you're brilliant if you don't mind me saying you'll soon have it cleared with that attitude

Is the can recycling any can?

wiggles01

Barneysmom wrote: »

You have just given me a fab idea! Why don't I charge my phone in
the car, I use it every day! (can't charge it at work)

Thanks you!


You are being so positive, I think you're brilliant if you don't mind me saying you'll soon have it cleared with that attitude

Is the can recycling any can?

yeah any can I drive past every day so I'm def going to start saving them.

wiggles01

Thank you for all your support everyone! I really feel postive at the moment

Well yesterday I applied to L10bridge and they sent me all the contracts so hopefully i'll get to sit my exam next week. It sounds like they have been a bit quiet of late work wise but some people are making another £300 a month which would be an awesome boost.

I rang Natwest about my mortgage exit fees but they charged me the right amount unfortunatley! still it was worth a chance

i'm going to dig out my payslips for a couple of jobs where I had a uniform to claim that back - it wont be a lot but it all helps

I'm not owed any PPI or charges which is a bit of a downer

Paid £90 towards the credit cards and £132.50 towards to service charge which brings me under £11k already - go me! :T

Tesco £8
Superdrug £1.81
Boots £2.05

Quidco £1.04
Topcashback £6.45
E-rewards 325 points
One Poll
You Gov
Retail Maxim
Superpoints
Swagbucks 369