The Fairy Is Back :)

fairyclicks

My goodness its been such a long time since i did any sort of update here i thought it was time to have a read back and see where things are now!

Its been a bit of a whirlwind really - I moved into my new house (which i love every day ) however that meant i had no internet access for what seems like forever It does seem to be sorted now thankfully so am just trying to get back into my online earnings again!

This morning i managed to add 95 to swaggers site its been a long time since i managed anything like that amount!

Have forgotten all the sites i used before so am glad to have my wee list here to go back over and update:

Swagbucks Me 385 - target 849 = £5 amazon
Swagbucks T - 310 - target 849 = £5 amazon
Palm Research - $3.15
Survey Network - ?
Brand Institute - ?
Harris Poll - ? - target 2500 = £25 amazon
Slicethepie - ?
Maximiles - 0/3000 = £10 Sainsburys voucher
One Poll Cashback - £0.42
One Poll - £17.45/£40
Toluna - 9329/80000 = £15 amazon voucher
Zoombucks
Crowdology £3.60
spud shillings - now finished and waiting for some vouchers to arrive
vivatic - ?
uniquerewards - $13.38/$20 - paypal
surveyhead - £3.64/£14.31 - Amazon
getjam - 90

I have claimed £10 from maxi and £15 from spud shillings that i'm waiting on now. Think i will try and check the rest over the next few days!

Other updates:

STILL waiting on decision from DLA :mad:
Applied for a grant to help with moving costs and got turned down but have appealed that so waiting to hear from that too.
Also waiting to hear about HB for my new rent which is a bit scary I feel like i can't do a clear calculation for my outgoings until i know this so waiting with bated breath on that letter! :eek:

Have decided to fix my own car after taking it through MOT and just a few things to get fixed - waiting on replacement parts to arrive now and i should be back on the road soon This will make a big difference as i can start car booting again!

Just read over my daily earning plan and going to try and start this again now as well! and maybe add to it as well!

Hopefully that little lot will get me back on track yet again

fairyclicks

Just adding a few things to my routine

Swaggers - boost total by at least 25 points a day - would earn me £5+ per month
daily poll = 1
NOSO = 2
Games = 10
sbtv x 4 rounds = 12

Check Unique Rewards for earning clicks etc

Do 1 survey

List at least 1 item a day on ebay and fb selling page - should increase sales without bringing on my ebay aversion

put some odd coins into savings jars

play a game of free bingo

consider if there is any 1 way i can boost my finances today, for example:
using coupons
claiming something
not spending on unecessaries
checking food dates in fridge to avoid waste
making something to sell

fairyclicks

fairyclicks wrote: »

I have just had a wee look back at my debt amounts - so far i have tracked back to 1st Jan 2012 when i had £21,965.54 of debt. With my current debt at £18867.81 that means i have paid off £3097.73 so far this year . I am pleased with that i have to say :j

I'm wondering if i will make it to the £17,000 and something mark by the 1st Jan 2013........might be a bit ambitious but a good target to aim for nonetheless

Now what else can i sell?

I have just been doing some debt record updating and am pleased to say i have made it to my £17,000 target - it is now £16992.50

Ok its STILL a very scary amount, however i have now paid a whopping £4973.04 since 1st Jan 2012 and that is definitely something to celebrate in my book

I wonder if i work really hard at it if i can get my debt balance down to the £10,000 mark this time next year :rotfl:

uptheleft

well done!!

fairyclicks

I am officially in shock!!!!

I have just managed to reduce my debt by £5730.91 with one phone call!!!!!!!!

I simply rang one of my credit card companies with an offer as a final settlement figure and they accepted it without any hesitation! I thought i was being really cheeky and expected a lot of oh there is no way we can accept that amount etc etc but no - 10 mins and it was done - i just need to wait for the paperwork to come through now and get it paid before they change their minds :rotfl::rotfl:

Unbelievable!!!!!!

fairyclicks

Not resting on my laurels after yesterdays success and decided to do some switching - I will be saving £91 this year for swapping my electric provider

I also just claimed my 2nd £5 of the year from swagbucks - i will have to decide what to save for this time or i will just fritter that away on silly things!

fairyclicks

Today I have made a start on decluttering - I have boxes and boxes of stuff to get rid of :o:o however i don't really believe in throwing things out so its not just as easy as deciding what i don't want anymore and chucking it out!!

My plan is to try and sell it and use the cash to help pay off the debts! I do struggle a lot with ebay for various reasons - mainly the ridiculous rules and the cost, but it always seems to be a necessary evil in my life. Now is no exception and so i have listed some bits and bobs on there - i have a 100 item limit so the plan is to try and use that as much as i can while taking advantage of the free listings etc.

It will be interesting to keep track of how many things i can get rid of and how much i make from that as well so going to add it to my siggy!

fairyclicks

I still haven't checked all my accounts so going to try and work through them all today to update them!

Swagbucks Me 525 - target 849 = £5 amazon
Swagbucks T - 650 - target 849 = £5 amazon
Palm Research - $3.15
Survey Network - £3.05/£20 = paypal
Harris Poll - 1650 - target 2500 = £25 amazon
Slicethepie - $0.31
Maximiles - 50/3000 = £10 Sainsburys voucher
One Poll Cashback - £0.94
One Poll - £17.60/£40
Toluna - 9789/80000 = £15 amazon voucher
Zoombucks 108/1000
Crowdology £3.60
vivatic - 0/£25
uniquerewards - $14.19/$20 - paypal
surveyhead - £3.64/£14.31 - Amazon
getjam - 110/500
newvistalive - £10/£50
globaltestmarket - 120/1000

ebay - 57/100 items listed

fairyclicks

hmmmm time to sit and have a talk to myself again I have been massively busy focusing on getting my debts paid off and generally getting into some sort of financial order. Thats what happens when i have my independence

Soooooo after my initial success with the full and final settlement option i have basically worked my way through the majority of them now and am delighted to say i now only have 2 debts left Today i cleared the last 2 CC accounts - i think i need a minute to take that information in......i now have NO credit card debts wow!!!!

The last 2 debts i have to work on now are barclays current account (left over from student account overdraft) and the denplan loan i got to get my implants. I must check the amounts and add them here for my record. At a guess i would say the amount is around £3,000.

I have already contacted both of these to ask about full and final options and barclays said they were open to it, while denplan peeps said no - i find that odd considering they are financed via barclays........

My next move is to contact them again with some figures i guess. No point in putting it off too much because the sooner i get them sorted the sooner my 6 year period of the record on my credit file starts.

Once the debts are completely gone the plan is:

to keep myself up to date with all payments
to work on building up an emergency fund of £5,000
to start making overpayments on my mortgage

I guess i move from a debt free wannabee to a mortgage free wannabe onwards and upwards

fairyclicks

Wow bit of a bad day today for me, head is all over the place and i'm wondering what to do about it. Not sure if i'm just having a bad day or if my MH is actually on a downward slide. Going to have to keep a close eye on it. Such a change in mood since yesterday when i just felt so good about the debts being almost sorted etc.

Despite the low mood i have managed to get some sorting out done in the house - just a small amount really but it will help me to get back on track when i have the boxes of stuff sorted, whats for selling, what i can just clear out etc. Slowly i will get there