daggys debt diary

daggy37

i decided to set my signature back after all -no point not being honest with myself.
so today it stands at 9895 not a huge difference but at least its gone down and not up.

Calling14

Just popped on here and thought I would say Hi not just run off. Diary is the way forward I think. Trying to build up an emergency fund well doing 365 pounds in 365 day challenge, as sometimes you need cash rather than cc as back up. Good luck will pop in and see how you are getting along soon.

daggy37

Hi thanks for dropping in calling14 .I'm quite happy plodding along talking to myself but it's a nice little boost when someone comments.
I'm not sure I'd keep up with a pound a day although I think it's a good idea.I had started a pound tin but I broke into it to get change for the launderette, really need to start a new one .might start dropping mother's day hints
I did a small shop today of £28 and I stuck to my list :T down to loose change now until next week's payday so going to be a frugal week .

daggy37

I have a new sealed tin thanks to the oh only a pound in it so far but it's a start.
I cannot wait until payday - 3 more days !! The credit cards have crossed over again so barring any emergencies I should be able make an extra payment on Wednesday and added to the normal payment will cancel out the new fridge .
Ebay has been a complete disaster this time around still waiting on a courier for one item and a buyer to collect another that I sold well over a week ago .how is it possible to buy a piece of furniture and then forget ?
I know there's a lot more in the loft I can sell but I'm dreading the hassle .I think I might wait until the warmer weather and do a car boot since some of its not good enough for eBay anyway .

daggy37

Well its just as well the payments have crossed this month because ive just checked my bank account and im 5 pounds short of the usual payment.!! I have never done that before ..ever. im so cross with myself.i actually thought i had an extra £6:mad:

debtfreeoneday

Frustrating isn't it, ebay. I have a massive piece of furniture waiting for collection as well.. Just give me the money and collect the blimming thing! :-)

daggy37

debtfreeoneday wrote: »

Frustrating isn't it, ebay. I have a massive piece of furniture waiting for collection as well.. Just give me the money and collect the blimming thing! :-)

Hope you get your money soon .I need the furniture removed so I can get on decorating the girls room .it's looking like I'm going to leave it out the front ,there's always someone circling round our way in a van waiting to collect it will most likely be gone within the hour.

daggy37

I gave up on the ebayer in the end ,messaged me to pick it up after I'd reported them and eBay closed the case.oh well I have some more bits on there this week so hoping they go better.

daggy37

Hmm credit card 2 now stands at 2860 , not good .i have used it this month but paid it straight back .bought some tickets for a concert (i did wait until i could find them half price though and not just jump in and buy the first i can find like usual)
plus i bought my daughters birthday present which i added to my basket the night before i got paid ,went back to pay for it and found it was reduced by £5 overnight:) i didnt realise that my card wss linked to the account though so it charged it automatically.
I havent paid back the fridge yet though.

daggy37

I forgot about the interest added so my total now stands at 9917 which means I've paid off the grand sum of.....25 pounds since I started this diary.
I really need to do better:(
I have paid an extra 4 pounds today and have some bids on eBay ,although I don't expect huge sales from it.I'm also waiting on some cash back from my insurance renewal though I guess that could still take a while .
Other than that not much happening .the weather was so nice this afternoon that I had a tidy round in the garden so nsd so far .