The time has come

Desperate_to_be_debt_free

You were right INOD

Ok so what to do today? Have got washing on and had breakfast. Next job is to wash dishes and wait to see if the postman brings any good news to me.

I may pop to the local retail park at some point today to take mum shopping for last minute things for her holidays. It was also my birthday last weekend and mum has agreed to but me some new garden equipment so may pick that up as well.

Have only got 1p in the bank today as every spare pound has gone to co-op so there's no chance of me getting carried away and spending money I can't afford.

3 days until child benefit and 13 days until pay day.

Desperate_to_be_debt_free

Letters back from MBNA and HSBC confirming no ppi owed to me. Feeling slightly disappointed

Desperate_to_be_debt_free

What have I done today??? Absolutely nothing. Feeling so washed out and fed up I've just wrapped myself up on settee and felt sorry for myself. Really need to shake this mood off me. Hope tomorrow is a better day

Desperate_to_be_debt_free

Still not feeling 100% but really need to snap out of this mood. Got a distant memory that I once had a loan with AA so will phone them this week and see if I paid ppi - that'll be another avenue to explore.

I feel as if I've struggled financially all my life and really don't want to spend the rest of my life feeling like this

The plan today is to clear the ironing and put it all away. I'm also going to get the step machine out and start my get fit regime. I really need to lose some weight and think that this is also impacting on my mood.

Desperate_to_be_debt_free

Back to work today after the weekend off. Still only 1p in the bank but child benefit goes in tomorrow and the plan is to pay the remaining £4 to co-op and that'll be another creditor to remove from the list.

I telephones aa loans and citibank today but they are unable to trace any accounts that I've had with them so I need to forget about reclaiming ppi off them. I did however phone unison and gave them more information regarding my application for help. I need to send them 2 months bank statements and also my last two wage slips and they'll assess my need for assistance. Fingers crossed they'll help me with something.

I also managed to sort through loans of baby clothes yesterday and put them in huge car boot sale box so I have a nice stack of things ready for a nice Sunday morning.

10 days until payday when I can start on Lucas Credit Services.....

Desperate_to_be_debt_free

Well first thing this morning I paid the remaining £4 to the co-op so that's another creditor I can cross off the list.

I have set up a direct payment to Lucas credit services so can now concentrate on the next one. Have also decided to pay off a very small creditor on pay day. I only owe the. £40 and it will be another one I can deduct.

Can't wait to pay off my brother and that'll be an extra £100 per month I can pay to the creditors. Time just can't move quickly enough for me.

Job tonight is to download the information that I need to send to unison in the hope they can offer me some help.

Being_Frugal

Well done making the last payment to the co-op.Good feeling crossing them off.

Desperate_to_be_debt_free

It's a fab feeling

Have made my first payment to Lucas. £3 off the balance

Desperate_to_be_debt_free

A very boring money day today. No spare money to pay off any debts and just over a week to wait until payday.

Have finally been up the attic and brought the car boot sale stuff down. Just need to get myself organised and hold one now.

Am at a conference tomorrow so no need to make lunch as there's free dinner. Also got tax credits coming in on Friday. Hopefully manage a few pounds off Lucas but will have to wait and see.

Desperate_to_be_debt_free

Really not a good money day today. Came home from a conference (where I had to pay nearly £7 for parking - but I can claim it back) to letters from a number of creditors. They not demanding money just reminding me of how much I owe them!!! As if I could forget. Have also had a row with the Halifax over some mortgage arrears. Can't speak to anybody else until Saturday morning so will stress about that until then.

No extra payments made today so that's added to the bad mood as well. Tax credits tomorrow so may be able to make a small payment and payday a week tomorrow