Determined to do well !!

shinner

Well i really dont know what to do ring and settle for the 7k or hang fire i can only raise 2k of my own funds so rest i have to lend off family

shinner

Well yesterday I bathed the dog cleaned her beds etc.
Washed bathroom did ironing made sausage and mash for tea. I need to think about tea for tonight. Need also to decide what to get DD for birthday and what party to do. She went out with my niece yesterday and got clothes and shoes off her.

debtfreewannabe321

have you sent barclays a letter confirming what you can pay? When I spoke to stepchange who wrote my f&f's for me they told me they enclose a SOA to barclays (and everyone else) and explain that that is all I have to pay them and if they don't accept within say 2 weeks then I will carry on paying the amount I can afford (as it states in the soa) and they decide from there what to do. I've still not heard back from my barclays accounts yet so not sure if they've settled or not BC def have and have been paid but normal barclay account and the loan i had are taking their time...!

shinner

Going to wait a for 2 weeks should have an idea what new income will be then as i will ask office staff. I then will include a SOA in and repeat same offer i think or maybe 500 less.

shinner

Well not much to report just agreed with DD to allow her to have a party for b'day going to be weekend after her b'day. Debt will have to take a backseat this month as have 4 family members all in first 2 weeks not good.
Party will cost around 150 but she is aware not many presents from me. She has 2 swim costumes these are necessary due to club swimming more frequent and growing new leo but is for club comp so not wearing until then. She was a happy little girl today got a new move on floor so can go in routine yippee.:D
Hope all is well with everyone. Really hope i can be debt free to creditors by Christmas then i just have to be mega determined to save save save so i can pay pay pay.

shinner

well made a start 250 nectar points from ad nectar need to go back on on mon to get another 250. 250 a week over is around 65 pound a year off my shopping bill or a game next year for DS xx

shinner

Well paid off my agreed amounts with bcard would of been 65 less owing if not for interest they charged last month. Bank doesn't look too bad but this is last nice pay so have to remember that income due to drop well next.
DD should get a nice party. Lots of replies saying yeah they can go so thats good although need to try get her to reduce numbers it is upto 30 so far and that is a lot of money in happy meals lol.

shinner

I have just realised my debt is now under 15k i actually didn't think i would see the day that this would happen. I really didnt in December last year think this would be possible.
So here is to treating DD then tightening the belt again need also to think about the dreaded XMAS.

shinner

Right so looking at the finances again if i can get barclaycard to take a settlement i then need to find a way of being able to make money to repay family. Ideally i would like to pay £500 a month but that wont happen any ideas on how to up income?

shinner

OMG i have my first day tomor in my new job. Looking forward to it but also scared. DD has a massive ear infection which makes her hearing understandable. I will be working in her class i hope she copes ok with it she is happy i just need to sort myself out.
Have spent a fortune today as i have paid gym membership ouch and vouchers for xmas owe 5 and that is them done.