Life after an iva ... The journey into the debt free world

tibawo

Well... Hadn't realised that when I reserved the ink cartridge that I couldn't collect it until tomorrow. Lesson learned. Dilemma was I wanted to get the letters posted so whilst girls at library paid to print them. They are now posted. Yeah!

Had a call to say they can service/mot car tomorrow. It is hit and miss whether my money will be in my account to pay. Hope it's not too much as I still have the leccy bill to pay. Really nervous about end of month for bills so need to think about this.

tibawo

I'll prob be back later when I find out cost of car service and mot but I was left shaking this morning and feeling sick just like I was when I I was struggling with a mountain of debt. In amongst the mail this morning was a letter from luma. So used to getting junk emails and mail from them I just opened and was going to recycling with it via shredder. When I checked I realised it was a PIN number. I had to sit down I was not expecting this.

Part of head was going yes, yes yes, another part was phew I have an emergency card and chance to build up credit, another part of me was ooo what shall I buy. Then the panic of what if I do splurge by accident or emergency and can't pay. What if I have not really learnt my lesson? Will this be the start of debt again. I got myself in a complete state and I have not even got the card yet!

Off out to collect the ink cartridge in the hope fresh air will sort the head.

tibawo

Well, the car cost just over £100 which wasn't too bad but the guy has warned me the gear box is starting to go... This kinda spurs me on to get my emergency fund sorted!

Task one... Well, all I can do now is wait to hear from data controllers. I've put a reminder in my diary for end of sept to check if I have heard from them. I've also put a six month note in my diary to look at how the new credit builder accounts / cards are doing.

Task two... Done my clicks although to be honest I have been a bit lapse with Stp. I average about 8 points each a day on instagc and swag. I know for some people this may seem small but I know I can maintain this when back at work. I sometimes check out other bits in the sites when I have time so points do build up faster.
First time today that there are no ads for me to watch on nectar so may have to rethink that one.
I used some of my amazon money last night. As you know dd broke her screen on iPod as the other case is more fashion that protection we ordered a new case.

Task three... The keeping the house tidy is working, well, it is better. There are bits about but this will not take us long. We have decided that we will do a reward chart (even me) and we each get a set amount for treats each week. If you don't do the job then you lose some of your treat money.

So tomorrow I will have a look at which tasks to take on next and which I can are now pending. Been an up and down week.

tibawo

Well dd one at a sleepover last night and will be collecting her shortly. I love her going but hate it at the same time. I always for sorry for her as she still has the odd accident despite being in secondary school and worry that the others will be mean to her if it happens.

Well task one has now been move to pending in my signature below.

Task two is not quite running smoothly as there are no nectar adds again today and Stp is not in a rhythm yet. Looking at other click type sites to see if wrath it for five mins or so everyday and the odd blitz when I have got nothing else on.

Task three - the house looks a lot better but we have a pile of car boot stuff lying round so once this is gone I will evaluate this task two.

My next job is to.... Set up the wii. It's one of those jobs that I just never get round to. We have had it for years. It was originally set up but then when the TV broke the new one did not have enough adaptor thingys so never got put back on.

apple_muncher

I'm impressed! You are making great progress. Hope dd enjoyed her sleepover. I've heard of people putting the credit card in a pot of water and freezing it - so it is there for a true emergency, but you have to really think about using it.

Good luck!

tibawo

DD seemed to enjoy sleep over and no accidents. She made me inwardly chuckle as being girls they were gossiping, sometimes not nicely and she says she pretended to be asleep. Most of the mums are known to me and ironically the mum of the girl who was doing most of the slating is the mum who thinks butter wouldn't melt in her mouth!lol!

Anyway, got the wii set up and I even went and got some batteries for remotes etc. the logic behind this was that otherwise we'd be waiting weeks for me to get round to it. We are missing a remote so am looking out for another one.

I also put the flower oasis, (is that what it's called?) in the tall dried flowers in the bathroom. Another one of those jobs that was just sat there.

We're off out today courtesy of club card points and our merlin passes. I also managed to find a drink mystery shop as well!

Off to do my task two. Task three means having words with the dds as they've not done their jobs and haven't even moved things I asked them to do after tea so am not happy.

Still not sure what to do as task one. I did read up on savings for girls but can't open junior is a as they have trust fund but can change it over 2015. Not that I have money to put in at the mo! So that's something else for the pending diary!

tibawo

So, what joy does today hold? The dentist check up for us all. Dd2 is scrubbing her teeth like it will make a real difference!

We had a good time yesterday. Went to the dungeons as not been before. Bit scary in parts for the dds and doubt will go again. The mystery shop was easy and I did not feel bad getting an ice cream as we watched people taking selfies on the beach! Not quite sure why you would do one with the sea rather than the tower in background but each to their own!

Task one... To look at how I am going to pay the bills this month! Also email from luma arrived and have a £200 credit limit.

Task two ... Done today's but still need to find something else to make up the thirty mins now that nectar appoints is dry. Just put the £3 in amazon from swag.

Task three .. House not bad and WILL be tidied today!

Need to get sealant for bath. Absolutely no idea what is a good or bad one. Will use the money in amazon if need be but nothing from my purse!

tibawo

Must confess neither task 1,3, or looking into the sealant got done yesterday. Dentist was a pain... not the treatment but dd1 needs to have a tooth out but can't stand needles and with her heart history will have to be monitored and i need a filling so both have to go back.

Realised today that i need to do the local church mag as it is due out this weekend. just when i thought the list was going down!

Task 2 has been done. cashed out a £1 instagc amazon. we have ordered a new wii remote wih money accumulated from clicks as the other was broken and i have got a game to see if i will use it to help shift by butt of the settee! blance now low again but at least i have not spent any of my cash.

christmas is starting to trigger in my brain... a good thing as it reminds me to pick up extra bits as i go along!

tibawo

Had to update... Bought some dough cookies... Ones you bake in oven ...tramps corner for 19p.. Put them in tonight as a pudding. Dd's friends came to call to chill outside... I'm left with the crumbs ! !!

tibawo

On a real low today. Really depressed and in sheer panic about this months bills. Dd1 is supposed to go to a party later. I really can't even face taking her. The present etc was bought when money was coming in so that is not the issue. Just can't cope.

Nothing completed since yesterday or today. Think I might lie down and see if that helps but don't hold out much hope.

Hate these down days.