This time I will grip onto the wagon and not fall off again

the.new.me

I closed my Vanquis credit card today, long story I had fraud go on the card on the 4th January which they rang me about as the fraud was in Orlando and I came back on the 29th December, they then didn't stop the card automatically like I thought they would once they knew it was fraud, I have to ring three times to get them to cancel it and send me a new one. The new one came and it had a start date of March instead of February then I got my new card today and as it's in credit I decided to use the credit to get my petrol and put the balance into zero. My pin wouldn't work (which they had said was the same as my old one) I tried it twice thinking the first time I put the wrong one in, I rang them and said the pin wasn't working and they said the card hadn't been activated correctly (even though I did it through their automated service). They activated it and I again tried to use it and it got blocked due to wrong pin three times by this point. I rang them again and they said the pin was changed on the 3rd January to which I pointed out this wasn't done by me and it was who ever had defrauded my card. After nearly an hour on the phone I told them to stick the account and give me my credit back, apparently I now have to wait for a cheque to arrive, I asked how long until I got some sort of response from my complaint, to which the claim department woman said "oh do you still want to complain?" I am best off out of their company as I wouldn't trust them now.

the.new.me

£200 paid off my over draft today the percentage paid is slowly growing :j

I made rolls for uni today and I was full by the time I ate them and they hardly cost anything left over chicken and stuffing.

Got a busy few days at uni everyday apart from Wednesday which will be housework and menu planning day. I feel like I never stop lately :mad:

the.new.me

Me and b/f have had a long chat tonight (bit of a nightmare as he is 300 miles away working at the moment) he knows about my debt and he knows I am trying to pay it off, the house I'm in I can buy it off the housing association for £75000, well the plan is for me to pay off my debt and then save £15000 each for the deposit. I think we are looking at maybe three years away (well for me). He's great with money and has the deposit already saved, but I want to us to have equal rights over the house and start as we mean to go on.

I now have a real goal to work towards and something to look forward to. It's made me more determined to pay all my debt off and save like mad.

I have closed my Lookagain catalogue and JD williams catalogue so I can't be tempted to buy things I don't need or want. I haven't used them for a while but I thought that my credit rating will look better for them being closed and now I have started on my over draft too I'm hoping by the time we go for a mortgage I will have a better chance of getting one.

the.new.me

I had a really hard time last night the urge to gamble was a nightmare, I transferred my money to my daughter account to keep it safe and kept myself busy. I don't know what came over me as the day after tomorrow it's been 3 whole months.

I just kept thinking how much I have paid off and how great my position is right now and how easily I could ruin it all. I'm miss OH so much right now he's been away two weeks and it's been hard not having him about we hardly get to talk as he is always driving and after work he's so tired we sort of have quick conversations about things and I know how he would feel if I lost all my money and put myself deeper into debt.

Tomorrow is my day off and I have done a huge list of things I want to get done tomorrow it will keep me busy so that should help. I did speak to GA today and they said they come across the three thing a lot apparently with quitting whether it's gambling, smoking or drugs etc there is a sudden urge at three weeks, three months and three years he said he went through it too, which has made me feel a lot better.

I'm going to do some baking tomorrow I haven't baked for a long while and I love making cakes and biscuits (as well as eating them) . I did my weekly shop today as I had three hours to kill at uni and there is only so much revision I can do .

Enough of my ramblings for today

in_need_of_direction

Hang in there sweetie. You're doing so well and you're reaching out to the right people in GA. We are all so proud of you.

the.new.me

in_need_of_direction wrote: »

Hang in there sweetie. You're doing so well and you're reaching out to the right people in GA. We are all so proud of you.

Thank you I am so determined I will beat this then it will be time to work on the smoking I hate smoking but me and OH are going to quit together but we both thought that the gambling was doing more damage (money wise) once I feel like I am stable we will begin the no smoking task.

the.new.me

Paid another £110 off my over draft it came from ebay sales, sold loads of old barbie things mostly from when I was a child.

in_need_of_direction

Excellent progress.

the.new.me

in_need_of_direction wrote: »

Excellent progress.

Thank you I'm getting there :j

I made hob nobs and ginger cake today and had a huge clear out finally moved everything from the downstairs toilet (the dumping ground) into the shed that's been up a few weeks but it's been rotten weather to venture down the garden. We now have a downstairs toilet again I mainly wanted to clear it out as OH is going to put a corner shower in for me which will make mornings easier with a (almost) teenage hogging the bathroom in the mornings .

It's DD's play at school today I'm really looking forward to it but I didn't budget £4 for the tickets so that's come from my food budget this week. I have had the most amazing pork and apple casserole made from a pork joint I cooked and froze in slices but it tasted dry so much better for being slowly drowned :rotfl:.

in_need_of_direction

I love ginger cake.