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Fall too Pieces

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  • Well today i am working last night shift of 4 i have had a great few days, my money situation is absolutely dire roll on payday. The joys of being off work my pay this month was down 350. Surveys and selling a few bits on ebay has kept me a float just.

    I have sold a kilt lol 10quid 
    some clothes i had bought which werent my size.
    And an internet dongle box 110 quid.

    I should hope have that money in soon but i am using a friends ebay account and they are hopeless at sending the cash over quick.

    Survey wise today has being steady i have had a few very small payments in off qmee i am up around 2quid ish. I am also sitting waiting on 25 quid coming in from Opinium Research still which known my luck will hit on my payday.

    I cant wait to finish work this morning i live in a shared house and builders have being knocking it too holy hell the last few days i am sleep deprived to hell and my mental health is stuffing. Role on 645 and getting to the gym.


  • Ugh sooner you than me working night shifts, and especially when there's lots of noise going on to disrupt your sleep too - what a nuisance! Glad to know the surveys are still proving steady for you though! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Yeah the noise this last 2 weeks has being a pain in the !!!!!!, its being so bad this last 2 weeks i have taken 2 nights off holiday this week. 

    on a plus note happy days i am now off till Wednesday. 

    Survey wise this week has being steady i have being working and socialising alot its being an expensive week. I have had 2 nights with my oh then we are going to some crazy golf thing tomorrow. Its going really well me and the oh and i am happy.

    Survy wise i have dropped around only 4 quid from qmee, prolific is confirmed 4.80 pending at around 3.75.


    I have too say mse i disappointed someone with coming up 19years experience working in banking wasnt picked for an ambassador role.

     
  • Well the debt busting continues

    5.75 dropped off prolific another few surveys done  just now so i ua
    I have 3 payments waiting in pending with Qmee thats another 2.20 whoop whoop.

    My day has being buggered around abit i got up early to hit the gym for a swim and some weights but then Hermes decided to messagw as i was walking up the road so i have done an impromptu you turn. As the stuff getting delivered was for me too wear tonight when i go for a meal with the oh. 

    115 spend on m and m direct to treat myself and i have a feeling most will end up going back but i have clicked 2.50 cashback.
  • Scott_Weiland79
    Scott_Weiland79 Posts: 169 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    edited 1 September 2024 at 7:48AM
    Hi guys I hope everyone is well sorry for being a stranger.

    Well my little update light is nearly at the end of the tunnel re debts, I am down to just over 2000 yay. I have the other half to thank in a way, while I have being living with her she has being allowing me to pay a nominal figure towards bills ie just 300. Once there gone i will pay her morethis has allowed me to blitzey blitzey debts step change I am paying just over 850 pm but soon everything will be gone. Debt free before Xmas sounds absolutely ace.

    How is everyone?? Are peeps still making a fortune surveying??? 
  • Scott_Weiland79
    Scott_Weiland79 Posts: 169 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    edited 1 September 2024 at 7:56AM
    I am hoping to get down too objectively zero before Xmas in November me and my o/h are starting IVF round 2 which is costing us well alot. I met someone new in June 2022 and I am very much in love and happy again. 

    Next announcement lol


    I also have a wedding to pay for lol I got engaged in May  :)

    The big day depends on well how ivf round 2 goes wish us luck. Cycle one was very hard but as a couple it stressed us to bits but it has made us stronger.

    I am also on a training mission lol I want to look good in my wedding gear so the gym is getting hammered. I am also working with a guy re my nutrition I have to do a check in every week. Dreading this weeks as my other halfs niece was up for 4 days, my 4 days off my macros were not on point. I normally train 4-5 days a week, this week i have being to the gym once. 

    Survey wise yes people will ask I still do them but boosting my income i tend to just use Qmee/Curious Cat and Prolific Academic I can easily generate an extra 50-75pm. I do still use Ziffit occasionally my other half and me read a canny bit so we will once we have say a tenners worth of books stick them on there. I am devastated i took a hiatus from the forum i have just seen the £2024 in 2024 thread lol



  • Well its being a nice day for me what I have seen of it as I was on nights last night and again tonight.

    I woke up and my oh had made us a nice Sunday dinner. We then just vegged and watched Netflix

    I have 30 quid to go into the bank tomorrow from facebook market place sales i sold two sets of dumbells that were sitting there from covid days. That can go into the emergency fund/overpayment to step change fund. I have a savings account that I put in all of my decluttering money/survey money/cashback and once it hits 50quid step change get an overpayment.

    Hay ho its work time yay


  • It's great to hear from you Scott, so happy that you have met someone and are getting married , plus trying for a family . How old is your son now ? I see you are still in the same job from the hours you are online. How is the job going ?
    You have been through the mill over the years but it sounds like you are really happy and nearly debt free .
    Life is an adventure, never stop exploring.

  • Scott_Weiland79
    Scott_Weiland79 Posts: 169 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    edited 3 September 2024 at 2:16AM
    It's great to hear from you Scott, so happy that you have met someone and are getting married , plus trying for a family . How old is your son now ? I see you are still in the same job from the hours you are online. How is the job going ?
    You have been through the mill over the years but it sounds like you are really happy and nearly debt free .


    Hay Sunshine Girl I hope you are well.

    Yeah I am in the same job, its changed alot we take calls for a few different clients. 

    Yeah its scary my son is 21 now, he is doing great i still cant believe the job he does now as he is 6 foot 3 and 9stone wet. My lads doing well he is a prison officer.

    Yes debt free is coming rapidly thanks to my other half i have cleared about 9500 in 12 months, I was doing really well then 3 accounts came out of the wood work that I thought had being written off last December. 




  • Just think where you would be though if your other half hadn't helped out and you hadn't reduced the debt so much. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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