Positive Steps Challenge 2013

ScarlettMcCain

Morning all,

Had a letter from Natwest today about my credit card with them, definitely less encouraging than MBNA they will accept reduced payments for 12 months and then review after that, but will be sending the default notices out soon and will register it with credit reference agencies. I'm just finding this so scary to face up to, does that make me a complete wimp? The (very nice) people at CAP Money explained that this would probably happen and that there's no way round it really, but it's better to accept that it will affect your credit file with a DMP than affecting it with an inability to pay anything at all. I'm hoping that's true.....

So, my positive step for today will be to try to stop panicking, ring CAP if necessary and take stock of where I'm up to. I can't think that I'm up to much else at the moment!

ScarlettMcCain

PS I also know that it affecting my ability to obtain credit is a good thing in some ways, as I clearly am no good with the responsibility of having any!!

fairyclicks

Rubyslippers77 wrote: »

Morning all,

Had a letter from Natwest today about my credit card with them, definitely less encouraging than MBNA they will accept reduced payments for 12 months and then review after that, but will be sending the default notices out soon and will register it with credit reference agencies. I'm just finding this so scary to face up to, does that make me a complete wimp? The (very nice) people at CAP Money explained that this would probably happen and that there's no way round it really, but it's better to accept that it will affect your credit file with a DMP than affecting it with an inability to pay anything at all. I'm hoping that's true.....

So, my positive step for today will be to try to stop panicking, ring CAP if necessary and take stock of where I'm up to. I can't think that I'm up to much else at the moment!

Having just been through this the way i saw it was any missed payments would affect my credit file anyway and any defaults will be followed up with regular payments showing - this will show on your file as you doing something to try and sort the situation out. The main thing is to keep those regular payments going (so make sure you are able to meet these)

You are not a wimp, it is very scary taking these first steps but it will get better very soon. You will get letters saying all sorts of things - you will probably get some worse letters than the ones you have so far BUT the main thing is to focus on the fact you are doing your best to sort the situation and it willllllll get easier i promise!!!!

Re ur credit file, i am now in the process of rebuilding mine. Don't worry about what the defaults mean on your file for the future - you can deal with that later (and its easier than you might think). Small steps for now, and focus on the fact you will be able to meet the obligation to pay what you have agreed AND your financial situation will be much improved on a daily basis. Once that bit kicks in you will know you are making progress. xxx

fairyclicks

Whoooosh......am sliding back into the dark place i can feel it. BUT if i can do a couple of small steps a day i might be able to stop sliding too far!

Today i am going to:

Have a shower - done
write letter to solicitor - done
write letter to loan company re settlement - done
water garden - done
check i have taken meds daily - done missed one hrt just so not too bad!

and if i can manage any more i will try to work on these rollies:

listing summer clothes
go for a walk/run
blog updates

These can wait:

one poll
swaggers
send referrals to emma

I might be able to do a bit more once i have started but for now i need to keep things easy.

Sir_Pac

5am: Rise and Shine
Well I rose, there was no shining, lots of yawning, no shining

[FONT=&quot]Job Search[/FONT][FONT=&quot]
[/FONT]
[FONT=&quot]Online[/FONT][FONT=&quot]
Fish4Jobs[/FONT]
[FONT=&quot]Monster[/FONT]
[FONT=&quot]eMail notifications from other job search sites regarding vacancies[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Ingeus[/FONT][FONT=&quot]: Full job search with my work programme advisor[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Offline:[/FONT]
[FONT=&quot]1. Collect 100 addresses for local businesses (Building trade): Done[/FONT]
[FONT=&quot]2. Write a letter of introduction: In progress[/FONT]
[FONT=&quot]3. Send cover letter and CV to 100 businesses:[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Speculative Letters[/FONT]
[FONT=&quot]Redesigning to include new skills: In progress[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]CV[/FONT]
[FONT=&quot]Re-creating, as I’ve lost my digital copy.[/FONT]

[FONT=&quot]Crafty Designs (Business Planning)[/FONT]
[FONT=&quot]Re-design web site: In progress[/FONT]
[FONT=&quot]Learn how to include web forms: Done[/FONT]
[FONT=&quot]Learn how to code to accept web payments: In progress[/FONT]
[FONT=&quot]Open bank account (business): To do[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Packaging Design:[/FONT]
[FONT=&quot]Design packaging for new product:[/FONT]
[FONT=&quot]1.[/FONT] [FONT=&quot]Penis Enlargement Kit: Searching for design ideas online[/FONT]
[FONT=&quot]2.[/FONT] [FONT=&quot]Mini-Easel Motivational Kit: Searching for design ideas online[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Product Design[/FONT]
[FONT=&quot]1.[/FONT] [FONT=&quot]Celebrity Face-mask application re-design: To do[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Market Research[/FONT]
[FONT=&quot]1.[/FONT] [FONT=&quot]How much to charge for each product.
1. Create a list of all product ideas
2. Search for similar items on eBay, and create a profit & loss forecast
3. Place test auctions on eBay to test market[/FONT]

his_missus

Gosh, you all sound so busy!

Rubyslippers, you're allowed to feel like a wimp (even though you're not) because it is scary but it's all steps in the right direction

Sir Pac, if you'd like some help with the rising and shining at 5am, I have 3 cats I can send your way to help you out of bed...the two old ones would be no use as they can sleep for England. In fact, I've been known to nudge one on occasions just to make sure he's just asleep and nothing worse!

I REALLY need to sort that bedside cabinet out as this morning I smeared shower gel all over my leg instead of body lotion this morning:rotfl:

Sir_Pac

his_missus wrote: »

Sir Pac, if you'd like some help with the rising and shining at 5am, I have 3 cats I can send your way to help you out of bed...

thank you for the offer, but how about NO, lol :rotfl:

Now, if you know a 40-something single female, who could bring me my first cup of water of the day, then you can talk...


I say water because one of my new rules is to not start the day with a coffee (or tea for that matter). In fact, no coffee for the first two hours upon waking, and so far, I've stuck with it (mind you, I only made up the new rule this morning, so blar)

:T

Sir_Pac

OK guys, I need your help!Not sure how I doubled posted, but here's a simple edit to fix it.



FIXED :-)

emmaglet

Well I posted and then I slunk away. Oops.

Today's goals:
Pay off M&S credit card and then HIDE IT! - DONE
Join Weight Watchers online, download app and track food. - DONE
Parcel eBay items
Photograph more eBay things for the weekend.
Go to the gym when taking my boyfriend to work. I'm driving past anyway and I did just spend £1.49 on the Zombies, Run! app.

ScarlettMcCain

Thank you to everyone for the encouragement it's the lovely folk like you that keep me going. No-one else I know seems to have money worries (although I know that's probably an illusion, as none of my friends know the extent of mine!) so it's a real help to have you all to chat to.

Sooooo, my positive steps for today - it's already Thursday! - are:

1. Send the Natwest letter on to CAP Money to see what they need me to do, if anything.
2. Pay for the car brakes to be sorted and see how much money I have left for July after that. MOT is due September, if it doesn't pass I may do a SORN declaration and see how I get on without a car for a while; in the meantime it's worth £80 to keep it on the road for a bit longer.
3. Now I'm further along with sorting out my finances, albeit in a baby steps kind of way, I'd like to apply the same logic to sorting out my food & exercise in order to lose a few pounds - probably between half a stone and a stone. Any ideas on how I can do this gratefully received.....

Have a good day everyone and thanks again!