Determined to do well !!

shinner

Casual contract not happy means i am going to be very skint and will struggle to find petrol money

shinner

Well received payslip today and i actually got only 1 month wage thankfully. Although there was 2 months worth of WTD on it but i can deal with that.
Had last cigarette at 7.30 this morning so in the morning going to pay £1 off each cc.
NSD today car going in for mot tomorrow so can imagine it is going to cost a fortune tomorrow.:(
Happy days though should be £28 less debt this time next week.
:)

shinner

Well Morning all 24hrs without a cigarette paid £1 of one cc £2.68 off another and £2 off another. Couldn't pay anything off 4th one as i have a different debit card?
I am hoping to stick to it this time as this should make debt reduce a lot faster.
Have to buy ds some books for his birthday today £9 from book people but its a box set and should encourage him to read a little more.

shinner

Interesting day today no cigarettes yippee. Car failed MOT today oh dear:( On a positive note emissions and have a cat converter off another car which is getting changed over tomorrow so should hopefully fix the problems.
Got a text off my mam this afternoon saying she had shopping for me:j Went expecting to have one or 2 items there was loads veg prawns, salmon, bacon, turkey yogurts and loads more.My nana insists on buying me bits think she must spend more on me than herself. She also got me an a new casserole pot. I do love them both dearly.
Also had some amazing news my mams auntie has sent me a nice gift for Easter. £200 wow I was planning on taking my dd to watch gym at the end of month and was wondering how i would pay for passes, fuel, accommodation I now have the funds.:j

shinner

Well not a bad day really exhaust sorted well changed over so fingers crossed goes through mot tomorrow.I have to drive in laws car to work and gym tomorrow so may have to replace fuel. After my cheeky OH spent some of my money yesterday on cigarettes :eek: so made him replace today he gave me only got £10!!! So he was very unlucky when i pulled out a £5 and swapped.
Managed to pot the full £10 so have £2 to last me until Sunday should manage though. Changed my mind also about paying ccs daily and saving 1% and then paying it. I have now managed to put £10.68 into my savings towards this.
I should also save on petrol over next 2 wks Yippee and no dinner money or bus fare to pay out either. So should help with my first 1 % payment along with my none smoking.
Sorry for boring you if you read this need to make myself write it down then i make more of an effort. Next week going to try sort out ebay next wk see what i can find and hopefully sell some items.

shinner

Well looks like Barclaycard are about to default me! Handed my accounts to mercers dca. Just what i wanted to hear i did think they may of given me another couple of months but nver mind. I havent got the money to pay my minimum payments so suppose i will have to live with it. I am not looking forward to next few months.
On a positive note just paid off another £50 off OH card probably why i am getting these communications as his is going down well.
I have already told them he gives me a set amount though.
Wish i just had a loan and pay that and thats it done.
I wonder if barclaycard could send me a copy of my original signed agreements as 2 cards weren't originally with them.(egg,lv)

shinner

Well receiving my statements having on that going to Mercers has put a real dampener on my weekend. I hate barclaycard with a passion. I was thinking of speaking to my mam to see if she could lend me around 8k so i can offer full and final settlement to all my creditors. That way i will get my defaults and then 6 yrs down the line i will be ok. My mam is in a position but would be torture. Although could probably pay her off within 2 yrs.
Had a relapse on the smoking caved on friday had 2 but back on track now.
Life hard at the minute!!!

Squidge123

You're doing very well so far Shinner. Keep up the good work

shinner

Thanks squidge123 i think i have hit rather a low patch. Need to try and pull myself around hopefully a swim will help me look at life in another light. Hate feeling like this, i am actually really lucky to have health and a lovely family.
I need another income but also have no time for another job.:(
Already work a 60 hr week although some is voluntary.

shinner

DD doesn't want to swim so ended up with niece until 2 so going to be a long morning. Going to go and get some housework done, children been given £10 off their nana toady to share very tempted to put in a sealed pot lol.
They don't need anything.