30 months to no debt - an Optimistic Journey

Skint_but_Optimistic

Aww thanks :-) I have just listed 40 ebay items and I had some prosecco from work for some project stuff, which was very lovely.

Checked all the garden and wondering when my beetroot will be ready for harvesting. I think I will wait til July - it seems like the done thing. Will investigate! I am looking forward to eating the leaves too as apparently they are like spinach, waste not want not.

Skint_but_Optimistic

Month 29, day 22. I am currently planning at work - and having a break because I want to be at home and planning there. I am having a meeting this morning with a colleague and shes a good friend so we shall be discussing things other than work!

I have again contacted the loan company with the front loaded interest which I am overpaying and which I queried the amount of interest not being recalculated. I have asked if from July this can increase by ten pounds every month. I will probably not notice ten pounds, after all, its just 2 bottles of wine and I am cutting down on that anyway.

I have sold more ebay. Its written in my book but I will update my signature at some point... and I have paid some money to cards but its to be resused as postage for ebay and I only do card balances once a month...

If they dont respond to my message by this afternoon I will give them a ring as its a valid query.

I shall be prioritising my debts into what I am paying off and shall be attacking it.

Wow just heard from the letter recipients and apparently the interest isnt readjusted for a simple overpay. So what I need to do is save up independantly and then pay a lump sum. At the moment, they state that they would accept around 4000 to settle a 7000 debt.

Skint_but_Optimistic

They are going to let me freeze payments and save the money and pay it in a lump sum instead!

Classic, shy bairns get nee broth, ask and ye receive, etc

Skint_but_Optimistic

Been down the other house today making a list of what we need to do, and its not much.

Am going to use my windfall to get so much sorted, and get a tenant. I am so so happy!!

HeadAboveWater

Happy Monday! Hope you had a fab weekend and you're still buzzing!!

Skint_but_Optimistic

Month 29, day 25. Ebay is currently up to 16.00 - I have one to post which I will take care of tomorrow. Child benefit came in and water rates came out. Today I am going to update my signature with all the sales and payments news.

Over the weekend we have been really busy and both the kids seem to be under the weather which isnt the best but I need to crack on...

Hope everyone is having a good Monday. 5 days to month 28!

brizzledfw

Looking forward to the updated sig! You're doing so well. Hope kids are chirpier this eve.

BTW I think you should be put in the position you should have been in/no worse off ..so a belated yes to your entitlement to the uplift/shift allowance on the back pay

debtfreewannabe321

wow you've earned nearly £800 from surveys/cb/fleabay! WOWeee well done you :T

patman99

Nice one SBO. Glad things are looking up for you.

Skint_but_Optimistic

Month 29, day 27. I shall be updating my sig shortly, for ebay, another 60 pounds have cleared in today and I have paid off almost 70 pounds. Bids are currently at 11 pounds for todays sales.

It is payday tomorrow and three days to month 26! 33 days to the big pay as well. Kids are still not well the big one is off school. I myself have a sore throat. 26 days to child benefit and approximately 20 days to child support.

I am going to keep at the ebay, it really makes a fair bit. I am also waiting for a ten pound s41nsburys voucher from va4lu3d 0p1n10ns.

Will be spending a fair bit on Friday, am out for lunch with my friend and I am having my drains fixed. Also my husband is out with his work friends and will probably need a new top or something. Men!