Debt Demolisher

motivated

Thank you all

Monzo accounts topped up cash cards put away. Progress made however small
M

motivated

debtaghh wrote: »

Glad to see you're posting again.

Chin up and don't forget that tea spoon xx

Hi debtaghh. Im remembering again


:A

motivated

Morning all

Still positive here

Have shared money around into different accounts. Christmas, car, EF, bills etc Have the last 4 DDs to go out tomorrow then we will be all up to date. Things are going ok and we both feel much more positive again. I think it's because our variety of accounts have all been fed and we still have lots of food in so no big grocery shops needed for now. Just need to pick up some milk and will pop to the local shop with cash to avoid unnecessary purchases.

Have just booked myself into a fitness class for Thursday (also let this one slip). Soooo need to get this one back on track and no time like the present. I find that when I feel better about myself physically it helps my mood mentally This is my treat to myself once a week, it's close by so a 5 minute walk there and a half hour crawl home :rotfl:

Our car insurance is due 29th February and have half the money needed already. It's never usually too expensive and think we will have the funds to pay in full when the renewal comes in. This will also give us a nice boost if it works out ok.

Nothing planned for tomorrow night really just a quiet one for us.

Have a good day all
M

enthusiasticsaver

You sound on top of things. Good idea to pay car insurance in full. Much cheaper.

enthusiasticsaver

Sorry just read your Boxing Day post. You are on a long journey and there will be setbacks. Just learn from them and move on. We have spending money accounts too or my husband would see a large balance in our current account as we keep our emergency fund and some savings pots in there as it pays interest and think he could have a spend up on some essential tool. Makes things clearer to have assigned personal spends. On the plus side Christmas gift money went into our personal accounts rather than joint house pot and it means we now have guilt free spends rather than it getting swallowed up by bills.

motivated

enthusiasticsaver wrote: »

Sorry just read your Boxing Day post. You are on a long journey and there will be setbacks. Just learn from them and move on. We have spending money accounts too or my husband would see a large balance in our current account as we keep our emergency fund and some savings pots in there as it pays interest and think he could have a spend up on some essential tool. Makes things clearer to have assigned personal spends. On the plus side Christmas gift money went into our personal accounts rather than joint house pot and it means we now have guilt free spends rather than it getting swallowed up by bills.

Are you sure we’re not married to the same man. :rotfl:

Just checked tv licence as well and this renews at the end of January. We also pay this off monthly on a payment card. I just needed to pay £9.36 to bring things up to date. I paid £15 to get ahead a little so when the new one comes in we’re already out the starting block. Another small boost
Thanks ES
X

Chrystal

Sorry you've had such a bad time but so glad that you came back Motivated. (((hugs)))

It sounds as though you're managing to get things going in the right direction, and hopefully 2020 will be the beginning of really good things for you and OH. X

bd80s

Hi


I've read through all of your diary and have to say well done as for the most part you have been so positive. Really sorry to hear that you have had a few bad months but you've addressed them now and sound very much like you've picked yourselves up, dusted yourselves off and are ready to go again.


Going to cheer you on from the side, I think you've got the right plans in place to get there, don't worry about a few sideways steps.

motivated

Thanks bd80s

I've kicked myself so many times but know that we have done this in the past and can do it again. The wheels are firmly back on my debt busting wagon and it's all oiled and ready to roll.

On a positive note I had an email from Wonga or the company that are dealing with things after it went into liquidation. Apparently I'm owed some money from waaayyyyyy back. And I mean years. They have awarded me compensation and some interest charges back :eek:

They have awarded me £1452.57 which they expect to pay into my bank before 30th January 2020. BUT wait for it 'your payment will be significantly lower due to the amount of funds and the amount of people they have to redress'. . So I can only guess at how much I will actually get. Significantly means very much lower so it will be interesting to see the final outcome. I wonder. :think:

M

Willing2Learn

motivated wrote: »

... I had an email from Wonga or the company that are dealing with things after it went into liquidation. Apparently I'm owed some money from waaayyyyyy back. And I mean years. They have awarded me compensation and some interest charges back :eek:

They have awarded me £1452.57 which they expect to pay into my bank before 30th January 2020. BUT wait for it 'your payment will be significantly lower due to the amount of funds and the amount of people they have to redress'. . So I can only guess at how much I will actually get. Significantly means very much lower so it will be interesting to see the final outcome. I wonder. :think:

I'm not sure whether to offer congratulations or commiserations. I suppose that anything is better than nothing lol

Since we are on the subject of payday loans, have you a history of borrowing from other pdl companies? If so, then you could complain to them about their irresponsible lending. It may be possible that you are due compensation from other pdl companies. This could be a window of opportunity for you....