Time for change...

JLS1901

Hello all hope you all had a fab new year.... I had a good evening with my best friend but now have flu which is crap as I feel utterly vile....
As regards to the money situatuion still as rubbish as ever but slowly keeping going with things... Get my student loan on 7th so at least thats something I know I will have, worried about the situation at work as only on temp contracts and they may keep us on however now christmas is over the over time will run out. I might be able to get over time on another department if I get kept on but who knows... anyway off to work some more spends out.

Welly xx

JLS1901

Well it's another day of feeling ill for me never felt as ill as this in a long time, doesn't help I'm off work and missing out on overtime won't get sick pay either so my bumper pay packet will probably just be an average one.
Sis has just informed me she's gone over her limit on her account so is being ccharged £5 a day by halifax coz they won't give her an overdraft.. I'm in my overdraft with no money to spare, car needs a new exhaust so that will have to come out of my student loan which I get on Monday but I need to save that to pay my bills...
I've got exams coming up and I've not done any revison coz I've been working and now I'm ill can't cope with this all... just want to go back to having a full time job and some stabillity making myself ill...........
Welly x

JLS1901

Well today is another day... feeling a bit better...Just looking to find more things to ebay and as much as I said I never would my beloved Barbour handbag will be going on ASAP... Will also be Ebaying everything and everything time to get this debt paid off and get sorted..

Have swapped all of our direct debits into joint account which should make eveything easier as have added it up and will put it all in at start of the month then whatever is left in our own accounts will be for us...


Welly x

JLS1901

Hello all not posted for a little while as not had much to say... I've been thinking a great deal lately as I sort of strayed off track (didn't go crazy and spend loads just haven't been trying as hard) but I know this debt weighs heavy on my mind and I need to get rid ASAP.
I hate living here the house, I hate the fact I see my landlord driving round in his big car while we live in this freezing mouldy house.. So the plan is to blast this debt and start saving for a place of our own..
I am feeling alot more positive lately..

Welly xx

HeadAboveWater

Hi :wave:

Sorry I haven't posted in a while

Hope things for 2013 improve for you! It didn't get off to the best start but onwards and upwards!!

You seem to have organised all your money in a way that will help you keep a track of your spending. In turn helping you to clear your debt. Overall getting you out of that house!! :j

JLS1901

Hello HAW,
Hope your well?
Well I visited Ald! today for the first time ever (working for Mr Ts I feel like a trator haha) and wow saved so much money (Went armed with list - how organised) and got a full trolly load for £89 so very impressed!

Also got paid today and got £300 over time so that will pay some debts with and fix my car.

Sister has an interview in a few week for another job.. So glad she's got an interview as it's a step up the ladder and she'll be amazing at it plus it will be around £300 extra a month which will help loads.

Hope your all well,

Welly xx

JLS1901

Hello all,
Hope your all well, I'm doing well this month have over paid the credit card by £30 and should be able to pay off my friend who I owe £200 to.

As we have done a big shop this week we should have enough food to keep us going for a while, also have been told this week I will be kept on in my job at Mr Ts alas it's only one day a week but its something permenant and once summer comes and I've finnished uni I ll hopefully get something and get saved up and out this mess

Feeling very positive...

Welly xx

JLS1901

So paid off my friend her £200 and over paid on the CC so that takes my debt down to £1558.

Just off to put some stuff on Ebay which will all go to pay off the credit card.

xx

HeadAboveWater

:j Well done!!

Things all ok with me. Just taking it one day at a time

JLS1901

Hello all,
I've had some bad news and have had my overtime stopped at work This was topping up my wages massively as I'm only contracted to 6 hours a week, so will have to find something else to keep me going.

I've also decided to take the overdraft off of my debt total as I've got this for 2 more years so seems pointless worrying about it now as I just need to get the CC and my friends Mum paid off.

Got a letter from HMRC so they will be taking extra off my wages for their mess up over my tax refund..

Still feeling good about things tho... studying hard and things will get better..


Welly xx