Debt, get ready to kiss your @$$ goodbye!

crimson.addict

Is everything ok Hok?

You've not been around for a few days xx

HOK3Y

to you crimson!

Well, I have been feeling pretty sorry for myself the last week tbh. I overspent over Christmas and New Year and I had to watch my cc soar in response......which sent me off into misery. But I have just made a rather massive payment which has reduced the balance to under $700 so I am feeling a lot more positive.

So without further ado, the pity party has been called to a close and HOK3Y is ready to come out and play!

I tell you what, those bumps in the debt free road can be killer. If anyone out there is struggling with a setback, don't let it totally detrail you - you've got to keep pushing forward. Backwards is not an option. Hugs to everyone in need of one today.

So what have I been up to? Well, I have been finding roadkill and wombled receipts as always and I have made $70 on clixsense since the beginning of the year!!!! Can you believe that?! I am chuffed to bits about that! So I am hoping to pull another $50 before the month is through. Absolutely loving that site and if anyone wants a referral link and some help with use of the site, let me know!

Looking at being cc free in about 4 weeks - man I cannot WAIT for that day! Hubby and I are going out to celebrate that night. It may be the best slightly delayed Valentine's present ever! What better phonecall can someone make than to tell a bank to shove their cc where the sun don't shine and close the sucker down?! Bring it on, bring it on, bring it on!

Hope all my fellow DFWs are ticking along nicely!

Broke_Kitty

Ah setbacks are the worst but it sounds like you have regained control very well! 4 weeks til CC free is absolutely amazing!

I've been feeling a bit down too, I am finding living at home difficult and would love my independence but rent is not an option right now. 20 months seems like a loooong time to be slogging paying off this debt.

I'm not doing amazingly at clixsense, I do the basics every day to hit bonus and then usually have time for one or two surveys. I've also started doing surveys on ipoll but to my extreme annoyance they are not all crediting. Argh! I make on average $1 a day on clixsense which isn't amazing but better than nothing.

Think I'm gonna throw myself into eBay as I have a lot of clothes jackets shoes etc to sell, and a digital camera I've barely used that I shouldn't have bought in the first place at the time.

Camillia_Chubb

Ah Hok3y, good to see you back!

Sometimes we just need a rest from it all, and respect to you, you've returned to finish the job which is so close to the end now. Not long now and the celebrations can begin :beer:

Then its the fun part...adding to your giant savings plan...exciting times ahead xx

crimson.addict

Now you are back to your lovely positive self!!

I'm so proud of you for not just giving up. You have a lot of people rooting for you. I think your debt free date will be a good excuse for us all to have a glass of something yummy

HOK3Y

Ah bless you guys - thanks for stopping by! Yes, it was a bit of a kick in the teeth but, to be fair, I dished it out to myself so I have no excuse and just need to take responsibility and get on with the debt busting.


I'm making an average of about $3-4 a day through clixsense which I am pretty happy with. I utilize every method possible to boost my earnings as I realise that more money from them means less money that I have to find from my salary to get rid of the cc.......and I WILL be rid of it in less than a month. Then, any extra $ can go straight off the car loan. Oh happy, happy day!


Feeling quite proud of us as we also called Sky this week and haggled them down in the price of our package. We shaved about £25 a month off the cost without losing anything we care about so very happy with that.


I have already figured out how to peel around $50 off the cc balance by this time next week and then another $200 or so the following week so by the time the end of the month rolls around, I should have a cc balance of just $450!!!!!!!!!!!!!!!!!!!!!!!!!!! This to me is just damn brilliant!!!!!!!!!! Can't believe it!!!!!!!! So, so excited to finally kiss it goodbye completely!


Hope everyone else is looking forward to the next few months with positivity and good intentions if nothing else!

HOK3Y

Happy HOK3Y! Yesterday was a productive day in the finance department: I returned a skirt which has put $30 back to my cc and now have the additional $20 I need from clixsense to peel a full $50 off that balance by Wednesday at the latest. I am hopeful that I may even have an additional $20 by next weekend. It is going down within a few weeks one way or another!


Meanwhile, we had the best roadkill day of the month and by the end of our evening walk we had found a total of £1.88!!! Not too shabby!!


I am gearing up to take a short jaunt to the office this afternoon as I am woefully behind in some areas so I'm going to take advantage of the peace and quiet a Sunday brings to try to catch up. Plus it won't hurt to wander into the Tescos across the road from the office as there is usually some pennies on the floor!


Really excited to get rid of this account and it is preoccupying my thoughts - and likely will until it is gone. That's not such a bad thing to be so focussed on finally being cc free. If I am conscious of it and thinking about it, I am likely to remain on target (perhaps beat it! ) and, let's face it, there isn't another good option. This is the core of any debt busting undertaking: The clarity of thought which allows you to comprehend that no matter how rough and tough it may be, there really is only one way to go if you want to have a hope of reclaiming your life. Well, I'm taking mine back.


My accomplishments so far? I have paid off over 50% of the debt I started with on August 26th 2013. If I consider my debt at January 1st 2013, it is more likely about 70%. To halve my indebtedness in a little over 4 months is something I am proud of and I know I will have rid of what remains in another few short months too. What a celebration that will be! I am focussing on the end goal - and then it will be mega saving time! I think I'm going to far prefer to scrimp pennies for myself rather than to pay to the bank!


Hope all my fellow DFWs are having a lovely weekend and pushing forward. Wishing you all the very best of luck.

HOK3Y

It is days like this when I realise that my finances really are preventing me doing the best for myself. I have just got my student finance through for the next year of my course and I think there may have been a mistake - I think they have financed me at a fulltime rate rather than 50%. I'm trying to figure out what to do for the best and will call student support tomorrow but it has really made me wonder if I should actually go full time. If I had no outstanding debts, I think this would be a no brainer for me - I would just do it. But because of what I still owe, I don't think I can afford it.......and yes, I've been running the sums at work!

Part of this issue is also down to a problem I have here in the office. When I started, there was a pretty downtrodden vibe to this place and I learned that a couple of headstrong women have been allowed to rule the roost with negativity and nastiness - all in the name of being strong women! No! That's called being a bully! Anyway, one of them left when I came and the girls on my team have repeatedly told me how much better the office feels. Even the partners have said that the place is brighter and cheerful. Well. It would seem that the other headstrong woman has finally had her fill of positivity and has turned into a royal pita and I am target number one.....behind my back at least. So incensed have I been over this, that I have spoken with the partner who is her boss and I realised that the reason these women ran roughshod, is because the partners allowed them and no matter how much better this office is now, they won't stand up to this woman as they should. They have set far too long a precedent. Which means this office is slowly returning to darkness because of ONE nasty individual. Can you believe that?!

So, the thought of walking out and going into fulltime education is most definitely distracting me today! I wish I knew a way to swing it. Maybe if I crunch the numbers long enough I can come up with something!

Camillia_Chubb

Hok3y I think your going to have to turn to the law of attraction with the nasty colleague situ. We all have one of those in the workplace don't we?

At my place we had, and still have, a dragon of a woman. I really didn't get her at all, none of us did. She bullies you if you let her or if she takes a dislike to a weaker person, she can make their life a misery and it doesn't help that she is in charge of us on some shifts.

I used to go into work thinking "Oh god here goes another night of random meanness with this woman!" so I got desperate and decided to change the way I looked at her and thought of her. I looked at how at the end of the day she really was doing her best to run the shift in the best way she knew how. I looked at her personal misery having a son (in his 30's) living with a brain tumour and sent prayers of compassion and healing, I sent love to her, I chatted to her more about things we have in common (we love animals) I argued with her a LOT, stuck up for myself, then she'd back track. I tried my best to see where she was coming from and finally it worked! Now I cannot believe it but I've actually become quite fond of her, can you believe it!!!

Its worth a try. Maybe you and the horrid woman could find common ground? I hope you can and anyway you've got nothing to lose.

Go on Hok3y I challenge you to give it a go!

HOK3Y

Hi Camillia! :wave: You gave me something to think about last night. A few years ago, we had a very miserable older gentleman come to work in our office. He was a long time employee from the main building and I think they pushed him out to us because he was probably the most miserable individual in the building and they wanted rid of him. Everyone disliked him because he NEVER smiled. Well, I decided to be a one woman mission to change that and I succeeded beyond what I thought was possible. I will never forget John as we became firm friends and his demeanour changed towards everyone and everything. So different was he, that I visited the office a few years after we had both left and one of the women who had to share an office with him back then came running up to me, gave me a hug and thanked me for what I did with John. I was a bit taken aback but so happy that I knew the shift in outlook changed not only his experience of the workplace but also his coworkers (who were probably fairly sick of his grumpiness long before I came along!!!).

Anyway, I thought about this last night and I realised something: I really don't like women much. If the problem was with a guy, I would have fixed it already. My resistance to this is in large part because it's a woman and I find biatchy women a complete pain in the rear. They often don't listen to reason, prefer sniping to clearing the air, and no matter what they say to your face, you are best served believing it to be a big fat lie. So, right off the bat, I've pulled away from the situation.

And that's not right.

So today, I am going to sit down with her over a cup of tea and see if we can come to an understanding.

Meanwhile, it's going to be another busy day in the office and I predict that I will blink and it will be gone! Wishing my fellow DFWs a wonderful Tuesday with special hugs to you Camillia.