6 grand in 6 months - my personal challenge!

debtfreewannabe321

Ooooh good luck with the offers, my fingers are crossed! I have done a chocolate fast before now and actually after the initial few days (2 or 3) I could go weeks without it now :T I did have other things in though like raspberries which satisfy me almost as much as chocolate

cottage_retreatist

debtfreewannabe321 wrote: »

Ooooh good luck with the offers, my fingers are crossed! I have done a chocolate fast before now and actually after the initial few days (2 or 3) I could go weeks without it now :T I did have other things in though like raspberries which satisfy me almost as much as chocolate

Thank you DFW321!!!

Fingers crossed - I checked the tracking code today and the letter has been signed for so we'll wait and see what reciprocal offer they come back with!!!! :eek: it's scary!!!

I failed in the sugar battle - first day of no chocolate I got the jelly out the larder and ate it - all of it - the little cubes! I'm a monster *hangs head in shame* so i bought a fanta and some choc to stop something so horrific from happening tonight!!

eating yesterday's curry takeaway again tonight - OH off to Paris tomorrow so going to try for a NSD for the next few days and then do a market shop to tide us over on Sunday.

That's the aim anyway!!! . . . .

cottage_retreatist

well - my goodness, got up at 3.40am with OH to prep him for the eurostar and just couldn't get back to sleep so have been browsing MSE and watching the news for the past few hours!!!! Can't remember the last time I watched a sunrise - but it has been quite liberating!

Also updated my signature -slow going so far (direct debits all gone out) but it will pick up with the OH's pay packet to do some damage to those debts on the 13th - it can't come soon enough!!! I'm so impatient!!!!!!

I'm just really nervous now about getting that letter back from the DCA - hope they actually make an offer -eek!!!

cottage_retreatist

So - prepped another full and final letter to send out next week. Not expecting much to come of it as the debt is still with the original creditor (to all intents and purposes) but 600 of the 1600 debt is interest & charges :eek::eek::eek: so i think I'll give it a go and see what happens - don't know til you try!!

Haven't yet heard back from the first one but fingers crossed - I'll keep you updated

I'm enjoying my September step-up challenge - it has really helped me to focus on when and why I need to spend money!

Like today I was in Ic*land with 12.60 ish in change and my card. The bill came to 13.32. It wasn't til I had left and was waiting for another shop to open that I thought - why didn't i put something back and just give them the change? If I truly was trying to stick to a budget - I wouldn't have had a choice - I would have had to put something back. So next time - I'm going to try and do that! stick to the budget!!! I'm also going to try and go to the market on a Saturday from now on - no waiting till 11 for shops to open and more choice of stalls at the market for fruit and veg.

I know credit scores aren't worth the paper they're written on but OH's went up in his updated credit report! whoop!! still poor but much better than it was! Both of us have loads of settled PDloans on our records though form 2011 and 2012 when we were in dire straights so realistically - we're looking at 2017/18 for a mortgage - eek! 5 years away and counting!!!! Wow! What a thought - threw 6 years of our lives away and all for nothing! The sooner we can be saving towards mortgage though and not paying off debt the better! Who knows if credit scoring will even exist in 5 years time!!!!!! One can dream :rotfl:

Positive note - still no cigarettes so It's been 3 weeks now? 4 weeks? I've lost count! But I feel good! :j

debtfreewannabe321

I'm saving for the mortgage now and have a completely trashed credit report :eek: so also hoping they don't exist by the time i have together my deposit Do you think if enough of us pray for it it will happen

Fab news on the ciggies!! I also caved on the chocolate front today but i have an excuse it's monthlies time and well I need an excuse so that will do LOL xx

HOK3Y

Hello CR :wave:

I am a bit of a nutrition fiend and so I can tell you that DFW is right - it takes approximately 3 days to get rid of the craving. Same as if you went caffeine cold turkey - major headache and withdrawals for about 3 days, then nothing. You won't even crave it. Sugar is the same. If you can dig in and get past those first few days, you will be the master of your chocolate desires!

We have a problem getting a mortgage too but it's more about not having lived back in the UK for very long - all our credit history is in another country! So we have a few years before we will qualify......all the better to build up a massive deposit.......not that I'll need it once our lottery win comes in!

Best of luck with you f&f requests - I'll keep checking in to see how it's going. :beer:

cottage_retreatist

Hey Hok3y and DFW321!!
Thanks for dropping in - I'm afraid i'm definitely a sugar ADDICT - i shouldn't be but i don't drink, do drugs, now don't smoke so i need something!!!!!

And i need it right now because isn't that just the way it is?

You think you've got everything on track, everything sorted out and then something comes along and knocks you for six. Now the OH is ill - haven't seen him this ill since he had appendicitis (which since its out at least we know its not that!) - he has acute tonsillitis and it's affected a lot of stuff in the run-up to his payday on friday:

1. extra spends on medicine, lucozade etc
2. had to change train tickets - it costs 10 quid per ticket to change a train ticket!!:eek::eek: and no blooming refund :mad::mad::mad: they make money out of us either way - so ANGRY right now!!! so 40 quid that we don't really have to change tickets - best option as no way going to throw away the ticket price of over 100 quid.
3. still have to go to a train station tomorrow to pick up the old tickets because without those the EXCHANGE tickets are NOT VALID :mad::mad::mad::mad: how ridiculous is that? Better not be any problems picking them up or some poor person is going to feel my (very very rare) wrath!!!!:o

so 67 quid spent yesterday and today due to his illness - doesn't life just throw a curveball?

Please pray i don't have anything unexpected tomorrow because i swear to god there is NOTHING left as a buffer

ps - still no response re. full and final!!! time is ticking!!

debtfreewannabe321

Oh no but these things are always sent to try us at least convenient times! I have fingers and toes crossed that you make it to payday with no more hiccups! X

cottage_retreatist

Hey DFW321 - thank you for your kind words! we have made it to payday! :j spent more money that we should have buying medicine and extra food for him to eat to recover etc. It makes me feel bad not sticking to our SFDs but at the same time - haha - I can't let him be in pain so as not to spend money!!

But his payday has come and all the money has been sifted into different accounts this morning - he got his overtime in this month but I've left that for him as he needs to get some dentistry work done (fillings) - there is a dentist where if he goes through work he gets 10% off so I hope he goes with them!

It's got to that time of the month where i have a pot to put towards a particular debt - I was hoping to use this for my F&F with a DCA but they haven't got back to me!!!! :mad: SO i'm going to keep it tucked away in a separate account for another week - if they still haven't got back I'm going to keep it maybe to make another offer on something else.

MMF are still ringing the OH and sending him emails about someone coming round to see him - that's great - but send us something BY LETTER YOU B*STARDS!!!! :rotfl: so i can communicate with you properly!!! I want to pay the debt Off but not while they're playing their stupid games!!!! argh! :mad:

oh the joys! the joys!!!!!

might write a F&F to other people as well - my other c/card which is defaulted - I'll send them one and maybe i'll try with wonga and their 600 quid interest. :mad: I've got a letter drafted, just didn't get a chance to print it off. I'll focus on the defaults on our credit files and then go from there! Which these both are - in fact there are 2 defaults for wonga on the OH's credit report - weird? :eek:

I've got a bit of overtime coming at the end of this month so we might be able to get together a chunk for paying F&Fs (if they come back accepting them!) Keep those toes and fingers crossed people! Hopefully won't be long now!!!!! :rotfl:

cottage_retreatist

Oh - I forgot! A mouse update as well - - - -

yep! we do still have mice (still liking that cat idea!!) even with the plug ins but - the OH's parents (who bought him the plugins) got a letter the other day and 2 more new plug-ins saying there was a fault with our ones - so maybe they just don't' actually work! :eek:

The company even sent a 5 quid voucher to apologise along with the two new ones!!! :j:j:j

We were due to go and pick them up this weekend when we went to visit but as you might have read we had to cancel due to OH being ill. So hopefully we'll get them soon-enough and then we'll check on the mouse progress!!!

Sitting here with my 'home management notebook' open thinking about how annoying it is i can't pay anything off right now!!!!! grrrr!!!!!!!!!

Maybe I should go and carry on washing all the germ-ridden bedding and clothes to distract myself!!!!!!