Can I do this?

Cantfindafreeuserid

Just updated my signature. Stupidly I made a payment including an overpayment and did not update my records straight away so I think everything is now correct but in all honesty I can't remember what I have and have not done but as far as I am aware my figures are correct. Here's hoping!

Skinnylatte

It's slow isn't it, but together we'll all make it

Cantfindafreeuserid

Signature updated for 3 20p's 1 50p and 12p for loose change small steps to finacial freedom

Cantfindafreeuserid

Ok another signature update bringing

£74.17 of payments off debts meaning £230.35 in total so far this year off my debt

2 overpayments totaling £10.86 total overpayments this year £30.14

I paid Capital one £5 must try harder not long until the 0% runs out :eek:
Littlewoods £31.60 another 20% off that debt only 3 more payments to go and it's gone
Isme £30.00 including a £6.90 overpayment minus £8.89 interest
Simply be £30.00 including an overpayment of £3.96 minus £13.54 interest.

I hate seeing how much of my payments are interest but it is teaching me a lesson and I am trying hard to overpay the ones who I seem to be getting nowhere with in the hope that at some point soon I will start to see the chink of light at the end of the tunnel!

I was hoping to put a big dent in my debts this year but think I will be lucky to have even paid 25% of them but I have to keep reminding myself that I have only just started this journey and so far I have paid 3.94% of my total debt in just 5 and a half weeks! When I think of it like that it seems easier somehow. I must remember next month to swap my overpayments around as the one stinging me the most out of the 2 I have paid today is simply be yet I have paid more in an overpayment to Isme. Silly things like that will and can make a really big difference so another lesson learnt!

Keep going everyone together we can get there :j

Cantfindafreeuserid

So logged onto swagbucks today and the bonus' had been payed out so got a nice surprise of 303 extra bucks in turn this meant I could cash out again so now waiting on another £5 Amazon voucher . I also asked a friend if she was interested in joining and gave her my refferal link so if she does join and use it I will get 10% of whatever she earns happy happy happy.

Yesterday in my local charity shop I bought a brand new revolving spice rack for £1 and I am hoping I can put it on facebook and make a few pounds profit

I really need to kick my own butt when it comes to actually listing things anywhere to sell.I have a few bits I need to sell but never seem to actually get around to selling them probably due to not actually listing them anywhere! I really want to make £100 this month and so far I have made a big fat zero! Until the amazon voucher reaches me I won't count it in my 'earnings'. So I think it's time for me to make some kind of plan of action. It doesn't help that I have some people viewing my house next friday with the idea of a multi swap coming from it. Therefore potentially moving house means I really need to not only clear out the 'stuff' I don't want but I really need to raise some much needed funds for the costs that this will entail.

Still as ever onwards and upwards!

Cantfindafreeuserid

Life really sucks sometimes! So having paid £500 to get my car through it's MOT and having had to borrow £350 of that from my Dad that I have yet to pay back (arrangements are in place and they start in the next couple of weeks) now part of the exhaust needs replacing at a cost of £100! Where am I supposed to find that from then! I suppose I do have my savings and the idea of savings is to be there for things such as this but I was kind of hoping I could save and not have to spend! I have not even saved £100 yet but I think I have about £70 so I suppose at least I only have to find another £30 but even so I could cry!

Moving on I had a letter from EDF they had neglected to add a discount to my account (I hadn't noticed as I didn't realise I was entitled to it) and they have now credited me with the missing discount it came in at just under £5 I know it's not lots but you know what I will gladly take it

I made a payment to very last night of £17 pounds and that is including an overpayment of £2.01 again not a huge amount but it all adds up right

Cantfindafreeuserid

Exhaust fixed and saving account empty! Never mind hopefully I can start building it up again shame I now need new tyres. To be fair I knew I did from the MOT but the garage today said I need them soon! Oh well that will be a grand total spend of £700 on a car that in fairness is only probably worth £200! I am cross as I would never have spent this much on it in the first place if I had known! Anyway long story and the end result is I have spent a shed load of money on an old banger!

In other news (as they say) I have managed another 50p in my pot and 4 20p's plus a small bit of loose change

I am having a good day on swagbucks 287 earnt so far today and only 29 away from cashing out again still as ever waiting for the last one I claimed should be through any time soon

I have collected a runner bean frame and a sprinkler system from a very kind freecycler I love getting things for free I am a bit of a freecycle addict :rotfl:

Now I must focus on making some money! I must list the things I have to sell especially as the car has swallowed all of my savings and my debts are going down very very slowly!

Time to make a plan and stick to it! Mmmmm I think I may have said that before!

I hope your all keeping well thanks for checking in

Cantfindafreeuserid

I am so pleased that swagbucks have finaly given us encrave! Its only 2 swagbucks per 10 videos but you just let it run and it credits :-) I am definately going to have to change my internet provider and get an unlimited package now as all this streaming will deplete my usage allowance very quickly! I am now 3 bucks away from cashing out again so consider that done today :-) fingers crossed I will get the last voucher I claimed today too as I do find I order the next voucher then the previous one gets sent out.

I will of course update here when it all happens.

I am so cross with myself but not sure I should be? I had the Aqua reward card and was supposed to send paperwork back to change to a different card as they were closing down that particular card. Well I forgot! So now my account has been closed and I will continue to pay as I have been but obviously will have no card to fall back on in emergencies. With this in mind I decided to re apply for a different card and the internet application told me they couldn't decide right now and would be in touch via the post soon?! Fingers crossed I get another card so I can use it for small fuel purchases and pay it off every month while still clearing this other debt! Anything to increase my credit score!

I think thats all so far. See you all soon.

Cantfindafreeuserid

I think I may have spoken to soon on th encrave front! I have been keeping an eye on it and although yesterday it went really well today it seems to be taking forever and then not clicking on the videos are playing but it is not registering to the next stage therefore I think I 'watched' 6 videos and it only registered as 3 so I have stopped it and will possibly try again later! Still need to earn my 3 bucks hence why I was using encrave. I thought 2 sets of that and I am done but sadly not so still not cashed out :-(

Cantfindafreeuserid

Woohoo next swagbucks £5 amazon voucher claimed :-)