The time has come

Desperate_to_be_debt_free

Have got that 'hit a brick wall' feeling today. Am desperate to pay some more off Lucas but want to see how the finances lie after the 1st of the month.

Am still waiting to hear off the ppi - they told me it would take 6 weeks from the date of my appeal letter which was 8th July, that means the 6 weeks will be up on 19th August. Hoping it will bring some good news!

Desperate_to_be_debt_free

Have just paid the final £40 to Lucas so that's another creditor I can cross off my list

Next one in line is an old ebay debt of £42. Once that is paid my account will be re-activated and I can start selling again. Off to update signature with a smile on my face.

Desperate_to_be_debt_free

Well have had a good day. Logged onto eBay account and the balance owing was £32 and not £42. Had enough money in bank to clear that so have effectively paid off another creditor. Have also managed to list £55 worth of stuff on eBay - think I may try and see how much I can make this month. Currently have £9 in my Amazon sellers account, plus what I'm selling on eBay so I'm hoping I can gather enough to make a dent in another debt.

Will update my debtors file tomorrow and look at which creditor to concentrate on next.

in_need_of_direction

Which debt is in your sights next?

Desperate_to_be_debt_free

INOD I've got soooooo many to choose from lol.

Am going to go through the file later and have a look at the next one to target. Have also decided to see how much money I can make this month and see if I can plough it all off one debt. I currently have £55 worth of stuff listed on eBay so hopefully some of it will sell. Will also go and look what else I can dig out to sell.

Currently have £11.69 in my amazon account so that's a start.

Desperate_to_be_debt_free

Ok so the next debt in my focus is ARCEurope. Currently owe them £110.87.

Desperate_to_be_debt_free

Have just had an email off Music Magpie to say they've processed my order. That's another £18.30. Now got £6.42 in savings, £11.69 amazon and the 18.30 music magpie. Going to put it all in my savings account to see if it will pay a debt off by the end of August. Total now stands at £36.41

pennywisepoundstupid

Hi, have read through your diary and just wanted to say you are doing so well, good luck with your next mini challenge of paying off ARCEurope.

Hope you don't mind but i'm going to subscribe and follow your journey.

Take care.x.

Desperate_to_be_debt_free

Well hello PWPS, of curse I don't mind you subscribing - I didn't really think anyone would be interested in my rambling.

Been really bad at updating diary last couple of days as I've been so busy in work (first week back after 2 weeks off). Not got much to report either. Have made a profit of £5 on eBay so that can be added to the August challenge taking my total up to £41.41. Got another item ending in a few days time but only got one watcher at moment

Not paid anything off the ARCEurope balance as of yet as there's no spare cash at the moment. Think I'll keep putting the money from the August challenge into my savings account as pay the whole lot off ARC at the end of the month - hopefully make enough to clear it.

Desperate_to_be_debt_free

Not made any money over last few days - in fact still waiting for Amazon and Music Magpie to pay up. Got an item ending on eBay tonight but don't think it's going to sell. Am going to spend the weekend looking for items to sell and trying my hardest to make some money. Would love to be able to pay off ARC Europe sometime this month.

Still hoping against all hopes the Halifax will decide to pay me the mis sold ppi, don't know how much it'll be but whatever it is it will be a help.

Fingers crossed x