Shamus dfw diary- a long long road

SortingIt_2

Good morning,

Sorry to hear you are poorly - probably just a bit run down, bless you.

Good news on the extra shifts! See you are coping, meeting your minimum payments is better than not being able to pay, its the same for me too at the minute. I am hoping to get sat and sun overtime in this weekend, OH is away sat - mon so thought why not do it, still means the horrible trip into London and back but will be worth it come pay day I suppose.

I also need to get organised - my flat, paperwork... pretty much everything is such a mess at the minute!!

Better get back to work! xx

shamu95

morning,
your flat sounds just like my house!! Isnt overtime great-at least it will keep you busy till OH gets home. Do you have a long commute?
Any more luck with the ex?
im just off to playgroup for my extra shift ther. ho hum-just no rest for the wicked.

SortingIt_2

Afternoon,

My commute is about 4 hours in total - 2hrs there and 2 back - nightmare!! Still means I earn some extra pennies.

No luck with ex - not sure how going to play it....have to be careful and plan as he is very devious and can be nasty too.

I have decided that I am going to set a day aside in the near future to spring clean everything - flat, life and everything generally as it is all getting on top of me and making me feel worse.

OH works shifts so won't see him now until Friday :-( and then he is away all weekend - still gives me time to do what I want to do. I may even make a start this evening when I get home from work - if I have the energy!

How was playgroup? This getting debt free is hard work isn't it - I just can't wait for say six months down the line when things seem a little better and then a year down when hopefully they will be far better! Got to keep at it!

xxx

shamu95

hi there- just got back in and my avon delivery has arrived along with a mountain of mail. there is so not enough hours in a day to do everything!!
Letter from abbey telling me my interest rate is 23.9% which is great as it was 26.9% and they wanted to put it up to 31.1% so am quite pleased with this.
4 hours is a long time to commute-dont think i would have that much dedication to do that-so well done.
This debtbusting is so hard. i am focusing on maintaining all my payments for 6 months and then applying for 0%deals at xmas as suprisingly my credit score is not too bad due to not missing payments its just my total and no of applications ive made.
I really hope sorting it that you can sort that ex of yours out-sounds like you well rid!!!xx

SortingIt_2

Hi,

You seem in better spirits today :-)

Yep it sure is hard and like you say never enough hours in the day - more so for you! I too find it hard but in different way as up at 5 and not home normally until 6 or 7pm but it pays the bills. I am at that point where maintaining paying bill, back in Oct I was behind and receiving letters/phone calls etc so I think I have achieved a great deal by just making my payments each month and on time for the past 2 months. Not sure what my credit score is, how do you go about finding that out??? Its probably bad but are there ways to better it???

Work is very boring today - I contract work at the minute but where I am working now have offered me a pretty good package for permanent work so having to think about that - one bonus is paid holidays and sickness but won't be earning as much money - decisions decisions! Will speak to OH. Another good thing is can eventually apply for homeworking which would save me time and money... I don't know! Will have to sit down and work it all out, I think maybe the perm work is better option as although little less there is always overtime and at least I have a definate wage coming in.

Sorry, I am rambling on, mind all over the place!

Anything nice planned for the afternoon? xx

shamu95

am in much better spirits thank you. Permanent work is always tempting as at least you have security and homeworking would be so great.
I got a copy of my credit file and when i recently applied for the secured loan they told me over the phone that it was all fine. The other reason i know its not all bad is coz a&l gave me a bank account.
I have 1 hour left at home to tidy up etc then i am off to pick OH up and go to work. Isnt my life just sooooo exciting?
Wish i could go online when im at work but we dont have internet and am constanly busy.
On a sat i start work at 6am and fin about 3 or 4pm and i get home and if i sit down i fall asleep so dont know how you survive your days.xx

lynzpower

how are you doing on the challenge hun?

SortingIt_2

Evening,

I think I have just got used to having about 5hrs proper sleep a night, sometimes more if I am lucky! In bed typing this but can't sleep hence the post, my brain can't switch off, bring on the home working and some normal hours!! Prob just my luck I wont get the home working!

Just realised its ex's pay day today so he has a week in which to transfer money into my account, always makes me feel uneasy - however (not that I should have to!!) I have managed to work some overtime so all bills will be paid on time even if he doesn't pay....and if he doesn't then it will be war this time!!! Why am I even having to do this over 2 years down the line!! Mind you its better than getting nothing at all and thats my biggest problem, all in my name - what a muppet I am!! Do you ever look back and think why was I such a door mat??? Not just to partners but in other situations too...sometimes I drive myself mad!

Sorry, got lost there, as you can tell still a lot of anger there. Trying not to go and look back on things but have had a whole evening stuck in on my own, no company and feeling pretty sorry for myself right now :-( I am sure I will be fine tomorrow, new day and all that.

So, how was work? Manage a reasonable finish time? I will hopefully be sound asleep when you finish with any luck.

Let us know how you get on with your lottery ticket- I hope its a winner!!

Right going to try and sleep now, alarm all set for 5am ready for the 6am train to London...... oh how I hate my life sometimes!!!

Take care xx

shamu95

Afternoon-Hi lynz-I am working on the challenge. Have got £1.50 in my yougov account. I must update my sig.
Sorting It- not one number on my lottery ticket!!! Finished at 2am which isnt bad at all and no-one to drive home. No money in taxi box but more time in bed.
I try not to look back in my life too often-drives me crazy. I have a fair few regrets so always try to look forwards. Although i prob dont come across like it i am a rather positive 'can do' person and believe everything is possible and that all things make you stronger.
Your ex sounds like a right pain so i am so glad you are rid of him.
My grandparents have been today and my grandad gave me £60 which has paid for hair being done today. grandad will give me money each time he visits which is just so great. barclaycard have offered me £81 refund for charges so am going to take that. hopefully im going to be ok for meeting all payments until october now.
if i can get to christmas i will be so happy.
Sorting it-where do you live?xx

SortingIt_2

Afternoon,

Ahh that is nice you can go and get your hair cut, it's always nice to have a treat. Good news on the BC too - every bit helps. I bet it must be nice knowing you can make payments right through til oct, that is something I think!

Not feeling so negative today, more pro-active and can't wait to get home and sort out the flat whilst OH is at work.

I live in Hampshire about 20 mins outside of Portsmouth into the countryside?? xx

Very bored at work today - looking forward to finishing very soon! xx