** Hoopylass's Debt Diary! **

Hoopylass

Hello there everyone, Ive been really inspired by all the stories that I have read on here and therefore have decided to get myself in order and start a debt diary to keep me on track and motivated!

At the moment i have 2 credit cards as you can see from my signature. I also have a student overdraft (interest free) which is £1300 but I am concentrating on the cc's first. I am also paying back a student loan but that comes out of my wages so nothing to worry about there for the moment.

I have signed up to the unneccessary challenge and that will start on thursday when I get paid!

I have also set myself a monthly shopping budget of £70 (there is only me in the house).

I am also trying to lose weight at the moment so will keep you posted on that!

Thanks for reading!

:T :A :T

kat79

Hello!

Good luck!:p

Kat x

sophiesmum_2

Hi Hoopylass
Good luck with all your moneysaving challenges and with the weightloss too.
Keep us posted with your achievements.:D

sophiesmum

chocaholic110

Hello, and Good Luck! I love a debt diar so will be following your progress with interest!

Hoopylass

well today I received all my credit card statements - goan. Its payday on thursday so cant wait to get the payments all done and then i know what im playing with.

Also got electricity bill today £132.04 and thats for 3 mths and its an estimate. I phoned up yonks ago to switch to direct debit and they quoted me like £60 a month! The other little problem I have its that my meter isnt actually registereing what electricity I am using lol. I really should call up and get that sorted but obviously Im worried about receiving a big bill

Last week I sent away letters to all the storecards that I used to have (balances were all £0 and hadnt been used in years) and asked them to close them down to improve my credit file!

Skint_Catt

Well done on shutting down your storecards! Every little helps!

Look forward to reading your achievements on here!

C xx

Hoopylass

well i phoned scotitish power and my meter hasnt been reading since november LOL. oh dear, anyway they have passed this to the debt department and they are gonna sort things out...the joys!

Lucy1982_2

Sounds like a real pain, but better to get it sorted out now. It could have been so much worse. Let us know how you get on.

Hoopylass

:T Had a nice wee day out playing ten pin bowling today, used my vouchers that I got off the freebies board! :T

Hoopylass

Update: Scottish power are coming ton install a new meter next week and they are gonna wipe any outstanding debt on my account

I have closed all the storecards down

I have paid off my evans card and thats cleared!

I have also arranged 2 payment holidays on my mortgage so gonna throw that payment at the credit cards in July and August!

I have also been trying to do one extra shift a week in work for some extra pennies too!

I sold my old mobile on ebay for £55 and have been looking out some old stuff to list next week!

southern_chick

what a result from Scottish Power, well done on sorting so much out in such a short time

SC XX