Brainfreeze's DFW diary

sparklymessygirl

Hello Brainfreeze,

Just wanted to say that I've just found your diary and am eager for the next instalment as I am very nosy! I think I might have a look at the matched betting links but as I am not very mathematically minded I'll have to concentrate really hard.

Keep up the good work
Sparkly x

katherinedrex

brainfreeze wrote: »

Hi everyone

This is only the second time I have replied to a thread so please forgive if it's all over the place.

Money problems are difficult enough to deal with but we know one way or the other there will be an end result.

Ultimately we have no control over some areas of our health and family relationships. I am so pleased to hear you have won your battle with your health. I am a mother of 3 wonderful boys, NO ONE can put into words how it feels when they rally round you when things are not so good.

Am I so pleased you have two of the things no amount of money can buy, your returned health and a loving family. Nothing can stop you now.:A
Best of luck!!

Kathy D

brainfreeze

You are all so right....health and a loving family are worth much more than money and the things that it can buy. And I have both in abundance:j

I've just transferred the matched betting profits from my bookie accounts to my bank account and will hopefully see the money in the bank before the end of the week.....and then HFC will be no more:j :j :j

Add to that the Direct Line loan which only has two more payments (finishes mid July) and life is brightening up so quickly:rotfl: I'm looking forward to have all the extra money to throw at debts.

I am aiming to achieve £400 a month extra income from matched betting to throw at my debts. I think that's realistically achievable (well it has been more than that so far:T ) but we will see how it goes.

I have just checked quidco and that is paying out £90 at the end of May and I have just requested a paper cheque (what other type is there ) for £320 from cyberbingo (that was a slight mistake even playing that one:rolleyes: - someone posted some codes on the gambling loopholes forum and I read it and signed up before the mods on the forum said it was not risk free and locked the thread...so I deposited my £10 (but the risk was that I could have lost my £10 deposit and got nothing back)...got my free bonus money to play with and won three times £100, £148, and £150......I was trying to clear the bonus money before I realised it was eating my cash funds and not the bonus so I withdrew what was left of my winnings at that time and called it quits. I lost the bonus money by withdrawing but who cares:rotfl: Even though I won....I am never logging back in because I know it would be easy to just risk the odd tenner now and again in the hope of winning...and that means gambling and I am not (and can't afford to be:A a gambler). Still...I did alright from my little mistake.

So, sitting here this morning working out my money and what's coming and from where is cheering me up as well. I didn't realise quite how much was going to be flooding into the accounts this week. It will go out of the bank account just as quickly but that's not a problem as it will mean that my snowball will get some nice chunky reduction figures typed into it.

Thanks everyone for the great support. I really couldn't be doing all this without you lot behind me:T

chevalier

Quote"You mention that you don't have any charges to reclaim due to your OH's diligence. Ok. But have you checked to see if you house is in the right band for council tax? If it isn't and you make a claim, it is for all the years you have been in the house, not just this year. So could net you a significant sum. Hadn't even thought of this. Do you know where I can look to find out how to check the banding? This would be brilliant if it was the case (fingers crossed tightly and hoping ) "end Quote

Hi Brainfreeze, I am so glad that this was so much help to you. I can't take all the credit for it, as it was from one of the Great God Martin's articles, but every little helps.

You are doing really well. I am very impressed by your matched betting progress. When I have finished my course I shall have to have a look at that.
chev

hypno06

Hi Brainfreeze and big congrats on getting out of the doldrums and the matched betting successes - my MBing has slowed down hugely these last few weeks after a fab first month, so am attempting to get back into it.

You will get to be Debt Free, you know it, and it will come much quicker than 2011.

Stay focussed, and keep on posting!! Always someone here to motivate you and pull you along!

By the way, I understand those fab people on the OS board can make wonderful meals with rotten fish - perhaps you should give them a look :rotfl:

(hypno hopes she hasn't offended any os bods - I love you really)

brainfreeze

:dance: :dance: :dance: :dance: :dance: :dance:

HFC TOTALLY CLEARED - FIRST DEBT GONE

:dance: :dance: :dance: :dance: :dance: :dance:

.........and I could never have achieved it in the deadline (to avoid interest charges being slapped on) without you lot. When I had my LBM at the beginning of April I never dreamt I could 'find' this money so easily. Yes...matched betting has helped clear this but I never dreamt I could have broken the £60k debt barrier so quickly either. Being DFW really is a change of lifestyle. The house is less cluttered (ebay's a wonderful place;) ), we eat far more healthly (home made foods and no pre-packed convenience or take away meals), we think about what we do for everything now...from turning off those lights, to planning days out with the grandchildren so that they still have fun but it doesn't cost the extortionate amount that theme parks used to cost me.

So - thank you so very much for all the support and help.


Edited:....loving the new look site by the way!

cookie9

Well done. You've done fantastically well.
Don't be disheartened if other debts take a bit longer to clear just remember that the small changes you have made will mount up in the end.

hypno06

Fantastic news, well done on clearing such a big amount, and by using MB profits you are really paying it off with "free money" so what better feeling is there!

Keep going, we will get there x

Karmacat

Hi brainfreeze
Well, what a day to find your thread - congratulations on clearing HFC!!!

What you've done is absolutely remarkable - I feel like I've been a tortoise in comparison to you, even tho I think about it all the time. I'm specially impressed with the ebaying and the matched betting, I think thats wonderful. And you're following the snowball principle too...

Was the HFC deal one of those where you don't pay anything at all, even capital repayments, until (say) June 1st, but pay everything if you don't repay it by then? I remember having one of those deals when I bought my sofa - I had the money to pay it off okay in those days, but I left it a bit late, paid it off via phone banking okay, but on my mobile phone PAYG - it cost me £8, but better that than the interest!

I'll be checking back in to your diary too now - another mse-er rooting for you here!

brainfreeze

Karmacat wrote: »

Hi brainfreeze

Was the HFC deal one of those where you don't pay anything at all, even capital repayments, until (say) June 1st, but pay everything if you don't repay it by then? I remember having one of those deals when I bought my sofa - I had the money to pay it off okay in those days, but I left it a bit late, paid it off via phone banking okay, but on my mobile phone PAYG - it cost me £8, but better that than the interest!

yep...that was it. Walked into the shop a year ago today and walked out with the goods....no deposit and nothing to pay for a year....won't be doing that again in a hurry. I know it was interest free, but the new motto is...if I don't have the money for it, I can't afford it;)

It really is such a good feeling to clear a debt like that.

In less than six weeks direct line will be gone as well (and can I whisper a secret:rolleyes: )....that is the first ever loan that I have completed and not consolidated into a new loan at some point or other. How awful is that:eek: ...but it will be gone and no new loan to replace it:j

Wow...this is a good day!