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My journey to a debt free life

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  • In other news I!ve had a relaxed chilled out day and actually do feel slightly better,I sat down and did some serious sewing on my cross stitch that im currently doing,Ive also managed to eat properly today,I take a vitamin supplement (Metatone) most days but I only take the minimum dose so Im upping this to the daily amount they recommend to see if it will boost my immune system
    Ive been coughing for days but nothing was shifting but I have now had a good cough and the crap in my chest has moved so it feels a bit clearer,hopefully the antibiotics are doing their job at last
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Cherryfudge
    Cherryfudge Posts: 13,432 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Good to hear you are feeling a bit better! I hope the account sorts out: I suppose changing banks doesn't help but it had to be done and you're on the right road now.

    Hope you can get some more rest tomorrow.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Good to hear you are feeling a bit better! I hope the account sorts out: I suppose changing banks doesn't help but it had to be done and you're on the right road now.

    Hope you can get some more rest tomorrow.
    Im feeling a lot better today,I got a really good nights sleep last night so I think that helped,I’m not too worried about the online banking in my old account being locked because I’m not going to be using it anymore,it was just frustrating because I wanted to check out that DD,I’m going to phone o2 later to see if it is them who have contacted me,I’ve just phoned my new mobile supplier to change the DD on that account because I got a text from them just now to say there was a problem,it was because I cancelled the DD on Monday after the payment went out :)
    I’m going back to work tomorrow so am going to try to have a nice relaxing afternoon
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Well I!!!8217;m feeling a lot better this evening,I have had a productive day,this morning I had to go into town for some food shopping and paid some money into my new bank account,I also set up a new DD for my mobile ,I just have the EDF one to do now and the home insurance,these will be done on Friday because Im going back to work tomorrow and wont have time,Im actually looking forward to getting back to work,Im so fed up with being stuck at home and not getting anything done
    I take my last antibiotic tomorrow so hopefully the remnants of this chest infection will go now
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • System
    System Posts: 178,361 Community Admin
    10,000 Posts Photogenic Name Dropper
    Glad you're feeling bit better. Good luck for tomorrow.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Cherryfudge
    Cherryfudge Posts: 13,432 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That's a huge turn around in a couple of days. !!!55357;!!!56842; Have a good shift tomorrow.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Well my day back at work went ok,I was in a clinic all day so got to actually sit down quite a lot,I did have to use my inhaler a few times but managed to get to the end of the shift without being ill,my chest feels a lot clearer this evening so hopefully I!!!8217;m on the mend,its my day off tomorrow so I can chill out a bit
    While I was at work I also phoned the payroll dept to make sure they have changed my banking details and they have so I can stop worrying that my wages will be paid into my old account, that is a weight off my mind
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • It certainly was,Im still not feeling 100% but I feel so much better than I did on Tuesday,I just hope that is the end of the bugs for a while
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,838 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    edited 16 February 2018 at 1:23AM
    For gods sake ,Ive just checked my email and I've got a message from EDF about my current bill and I!!!8217;m £313 in debit to be paid by the 28th of February,I pay by DD every month but cancelled it when I changed banks and then couldnt get a new one set up,Im supposed to be phoning them tomorrow to set one up with the new bank,Im hoping its just because Ive cancelled the DD that they are now asking me to settle the bill and that I will be able to carry on paying it monthly otherwise thats all but £100 Of my emergency fund gone,this is why I dont change anything or do anything myself because I always mess it up,no bloody sleep for me tonight then
    I also dont understand how my bill is in debit for so much when I pay them £75 a month in the first place
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • System
    System Posts: 178,361 Community Admin
    10,000 Posts Photogenic Name Dropper
    Don't panic about the EDF, it will be due to cancelling your DD. That email will be automatically generated and the amount will be based on your current useage rather than anything to do with your normal payment.
    We pay ours by DD at £75 a month and send them our reading every month. Due to how cold its been this winter, we have used quite a lot and we had an email saying they were increasing our payments to £112 a month. I rang up and said no way we can afford that and if we are still in arrears at end of tarrif in Aug we will pay extra then. But confident we won't owe anything then as it will catch up with itself in warmer weather. So then we had an email saying how much we owed and I just ignored it and they are still taking the 75. As long as you speak to them it will be fine and sort itself out.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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