Kissing my big fat debt goodbye

grassgirl

Have just sold my car on eBay (£720) and want to stay on track with where future money goes and immediately thought of MSE :money:

I also have to get my bum in gear. I have LOADS of stuff left at my old job that I bought out of my own pocket. I need to go reclaim this which makes me very nervous. Here's what I remember..

A Womble outfit
80 wigs
Collection tins
Collection buckets

And I'm sure more stuff.

I'm also a bit of a del boy, albeit female, and have a house half full of furniture currently. Furniture and candlesticks. Lol.

So I guess I'll update this to keep myself on track! No internet as yet (writing this at my Nan's) but will update with my sales, unnecessary spending, bill paying and the like

Thanks for reading, cheers! :beer:


Thank you (:

UPDATE

Just looked at my credit rating, a nice 851. 881 starts the good rating so that'll be next

Updating all my debts more exactly now..

Avon £598
The money shop £117
Santander £444 (disputing)
Vodaphone £80
Pay day loan £155
Argos £950
Lloyds £818

The following are 'ish'

Sky £590
Fridge (own my Nan) £250
Kleeneze £205
Gas £2000
Water £1000
Loan from friend £200

Total : £6963
(£7407 with Santander)

dogcat_2

Good luck....

grassgirl

So this morning, about 3am as I couldn't sleep, I signed up to a building society. I keep my money in my savings account but it's so easy to swap it over to my current account instantly online, I'd rather have something a little more out of sight and plan to shift over 10% of what's in my bank per day

Also signed up to the 1% challenge, my 1% being just under £71, I love working in percentages. *Squee!*

Also going to sign my lad up to the 6% saver that's mentioned on MSE and plan to deposit £100/month.

On the first post I forgot my rent which totals £30.50/week currently.
Also electric at £10/week.

Igamogam

grassgirl wrote: »

So this morning, about 3am as I couldn't sleep, I signed up to a building society. I keep my money in my savings account but it's so easy to swap it over to my current account instantly online, I'd rather have something a little more out of sight and plan to shift over 10% of what's in my bank per day

Are you a tax payer? If not make sure the interest on your savings are taxed gross rate rather than net. Have you considered using a Credit Union for savings - can be done online too.

grassgirl

super point thanks re tax plus I'm going to have a looksee at credit unions right now. whoever knew this could be so much FUN yay! Thanks again

grassgirl

My local credit union that I actually forgot I was a member of(!) has shut down the branch in town and the nearest is miles away going to focus on get £100/month into my lads account for now as is 6%. Calling them tomorrow. Still unsure on my budget, about to hop on and do a standard food shop online and see how I go.

Have done a lot of research and have a lot of mind knots straightened out today (I'm self employed but was confused) so that's a big plus

The person that bought my car is coming in 8 days, despite 'pick up ASAP' which is a shame but at least it's not 8 weeks. Fingers crossed they don't mess me around as I seem to have run into silly car buyers a lot in past month.

grassgirl

Wow. Just got super emotional lol. Wasn't feel too happy that my debt free date was 3 1/2 years away so went browsing and found bubblews. Soon nipped on and wrote what came to mind. (That's the emotional part.) Woah, feeling drained lol. Going to leave that for a bit and re visit in couple of days. A quick flick through the 1% challenge ideas sheet and then bed for me

As my stomach rumbles im reminded of two days where I ate nothing a couple of weeks ago. I had a nose round on what is a good strict maximum amount to spend on food and found this - http://www.bbc.co.uk/news/magazine-22065978. So reading that, then I promise I'll go to bed

grassgirl

mini update,
at my nans too busy a house to get teo minutes to myself!
sold car, ordered sky, it comes Wednesday YAY. but missed out on a £100 sky offer which just came in post. might call and say im losing out and see what they say..got to go now, getting grumpy with not being able to focus! roll on weds xxxx

dean23

Definitely give Sky a call and see what they say. Can't do any harm can it? Surely you could cancel and rejoin using the offer? Good luck