Positive Steps Challenge 2013

LeopardPrintsAndTea

Hey its charleybear with a shiny new account!

Rollies / to do today
- Sort wardrobe - planned to do wednesday
- Look through research task questions and edit the ones i didn't get to do last night
- Do some more reviews on Slicethepie
- Finish my squidoo article
- Post on my blog

hummingbird

Hi everyone, thank you for my lovely welcomes!!

To do today:

Change landline phone/broadband tariff :T
Post paperwork to auctioneers:T
Sort all my job/cv stuff into one place
Register with new dentist and get appointment sorted.
Dispose of broken suitcase:T


p.s welcome to your new account leopard!! x

fairyclicks

Love the new name Charleybear

I have so much to do after my few days of carbooting etc but not sure how much i will get through.

Today i have just been to business meeting and applied for £5000 of funding lol!! If you not in and all that

I now need to get stuck into

emptying the car
sort items for posting
pack bag for going to stay with mum
clear the living room floor
fold up clean clothes
sort a job lot for selling
charge camera batteries

off to make a start

LeopardPrintsAndTea

Today i...
- Went to placement
- Had a informal meeting with my palcement supervisor to go through my task book that has to be ticked off (I had a meeting only so she could say what she'd like me to do or if i need to do certain tasks) All of it was positive.
- I put my dirty clothes straight into the washing basket (I usually throw it on the floor in a big pile then move it as and when)
- I tidied by the front door a little as my dog knocked over my mums boots and moved a few things around
- Edited some of my research task
- Had a laugh with dad looking at old computers and music videos... we're so nerdy when we want to be (lol)
- Checked my bank; my £10 refund hasn't gone in...yet. Mum said it could take up to a month

And thank you,
FairyClicks!
Thought it sounded a little more "me"
and a little "grown up" but I refuse to grow up to be
a grumpy person... I like fun lol.

LeopardPrintsAndTea

Sorry to double post it is a new day!

My plans are to tidy my room
Sort my wardrobe out

suzitiger

LeopardPrintsAndTea wrote: »

Sorry to double post it is a new day!

My plans are to tidy my room
Sort my wardrobe out

I wouldn't worry, I always double post
Good luck with the wardrobe sorting, I still have another one and my drawers to go

I like the new username and pic too, I kinda want a new one but I like having all my stars

I've ticked some stuff off my list but I'm not feeling well today so just moping about not doing much really. If I get the chance I will tidy the kitchen and out away clothes mountain
(I really need to clear out some stuff!)

hummingbird

Hooray! Got mobile tariff changed to one half the price but still has what I need for now. :T

So now I have changed my both my landline and my mobile.:money:

Going away for a few days tomorrow to stay with friends.
Catch up with you all soon x

ScarlettMcCain

Just catching up after a few days away! LeopardPrints - I'm impressed with the new name and your productivity Fairy - any news on your application or is it too early to hear yet?

Well, yesterday I did three brave things, or at least I thought they were brave:

1. I went to my hospital appointment about my high blood pressure even though I knew the consultant would say I needed to lose some weight (he did!). But, he was very helpful and supportive, and my BP is ok so that's not too bad.
2. I rang CAP about my HSBC overdraft and explained why I was concerned, they're asking me to pay back £720 but they know I'm on a DMP and in fact have accepted the payments. They told me not to do anything and HSBC should be going via them anyway. Also, apparently I have paid back one (very small) debt already - hurrah!
3. I gave notice on my flat. Sob yes, I've taken everyone's advice and will be moving into the caravan before Christmas. Financially it makes sense, but I will so much miss my little flat

Apparently once I've moved I need to give CAP details of my new rent payments, so they can rejig my budget appropriately. Fairy, I know your advice was to keep the payments the same and save up the extra to offer final debt settlements; they told me they couldn't advise me to do this (as my creditors should be told if I have spare cash) BUT if I do have say £7K - £8K to offer, they could use that to negotiate full settlement. I don't, but I could have in 6 months or so if I'm not paying rent. Very confused all round now as to what I should tell them!

fairyclicks

Its still morning (just about) so good morning everyone

Suzi - sorry to hear you not feeling well and hope you are better again

Leopard - well done on all the progress you are making

hummingbird - yey well done on changing the phone accounts, its great when you can rejig this way

Ruby - well done on doing all your brave things!! I know how difficult it can be to take certain steps

Re the application i don't know when i will hear - could be months.....but at least it is in!

Re the rent situation - yes what CAP are saying is true, they can't (aren't allowed) recommend you hold onto spare cash but they also know what i told you is true - if you have a lump sum available they can negotiate settlement figures. I'm afraid the decision has to be yours as to what you tell them - your DMP won't be due to be reviewed for around 6 months unless you inform them of changes of circumstances which of course you are supposed to do. If you inform them you will have to pay a higher monthly figure into your DMP, but you will not be able to ask for a settlement figure so will be paying the total amount back.

I chose to offer settlement figures and had them all accepted at between 40 - 60% of the total i owed - it allowed me to clear my debts a lot quicker that way....... but i got a lump sum to work with and negotiated directly with my creditors.

Sorry if i have complicated the decision for you!! xxx

ScarlettMcCain

Oh blimey! Thanks for the advice Fairy, it's tricky isn't it?! I think the main issue is that I can't get a lump sum NOW, but I could have it six months down the line, mainly by saving up what I'm now paying in rent & bills. I don't know if CAP would let me increase the monthly payments now (say by £100 or so) and then let me offer a settlement figure down the line? They don't ask for any proof of rental amounts, so I'm guessing that as long as whatever I say I pay is reasonable, that's all they can go off. Hmmmm, I will have to give that some thought.....

In other news, the agency have accepted my month's notice and will start looking for new tenants for the flat - sob! Let's hope all goes well with my OH, or it'll be a long cold winter in the caravan!! xxx