Roxy's debt free diary

duchy

PostOffice is on Quidco so use their link and get some cashback for that Mumzy (not as much as some of the other companies but a great price)

roxy7699

The address is www.pineconeresearch.co.uk however, they dont actively recruit or do referrals. They use banners and send out websites on other websites to recruit, cant find the initial email I got, but will definetly let you know if I receive another one. It's definetly good though as you get a product to complete a survey on then receive £4 vouchers, then they ask if you are willing to try the product for a couple of weeks, then there is another survey with £4 luncheon vouchers. So really you get the product and £8. They are nice and easy surveys and fast in rewarding you too.
Will let you know as and when I get an email

roxy7699

Just did a post office quote and it came in £2 cheaper a year, but it was referred to norwich union, not sure if that is normal or not - will stick with direct line for now, thanks though hadnt thought of them when doing a quote.

RoxieW

Hi Roxy from a fellow Roxie. Hope your daughters having a great birthday! Its sounds like she's got a lot of lovely pressies. Good luck

roxy7699

Well, the birthday celebrations went well, suprised OH with a cake at midnight and he went all shy on me. Both of them loved their pressies although Im now at a loss over xmas. DD's biological dad also came up trumps after 5 years of billshut with a present for her, he didnt try to cause any problems at all, was willing to just leave, but I sent OH out to get him so that DD and he could meet each other for the first time in 4 years! Hope it doesnt back fire, but he seemed genuine enough.
Anyway, roll on xmas.

roxy7699

Paid my bills today/yesterday. Have managed to pay off a total of £8700 in 16 months, quite proud of myself for that, as my totals have come down greatly especially as I was only scheduled to have paid £6720 so Ive paid 2k more than they wanted.
Daughter had a bday party at the weekend and ended up being sick all over the car after her cold got the better of her.
Plan on spending the rest of the evening (if not week) working to try and get some overtime pay, must get some batteries tomorrow for the scales so that I can carry on ebaying.

roxy7699

https://www1.pineconeresearch.co.uk/Signup/Signup_Form_UK.asp

This is the link to sign up for those that wanted it - finally received another email. They state they are looking for the following:

"PineCone Research. . . .where we value you, your time, your privacy and your opinions.

We’re looking for mums with babies 0-42 months to join our panel.
Get paid £4 for each completed survey"

But you could try anyway as they may be looking for other people too.

roxy7699

After a lul of avoiding issues, and loitering around the boards Im back and broke. Issueing (sp) a new SOA, and its interesting to me looking at the other one up there to see why I feel so broke. Sigh. Its not complete as it doesnt include, [strike]food[/strike], tax credits, [strike]petrol [/strike][strike]or school dinners[/strike], need to look into those.

Incoming
Work - £1559.37
DM - £85.00
CHB - £75.20
Total - £1719.57

Outgoings
IVA - £559.57
Council Tax - £91.00
Mortgage - £653.83
House insurance - £23.84
Gas - £40.00
Water - £23.65
Elec - £40.00
Tax disc - £10.00
Axa - 8.95
Car insurance - £70.19
Sky - 45.00
Childcare - £147.00
TV Licence - £11.00
School dinners - £38.87
Petrol - £50.00
Food - £100.00
Mobile/internet - £60.00
Total - £1972.90

That explains alot, not including the missing bits Im £253.33 short a month.
Will find out the missing bits and Ill be back...sigh...better carry on working and selling my life on ebay.

roxy7699

So today was my DD last day of the year, shes in a school club for 2 weeks and then I have to figure the task of summer holidays. Will update the above post to include her School dinners as an average as its paid weekly and not everyweek.

milliemonster

roxy7699 wrote: »

After a lul of avoiding issues, and loitering around the boards Im back and broke. Issueing (sp) a new SOA, and its interesting to me looking at the other one up there to see why I feel so broke. Sigh. Its not complete as it doesnt include, food, tax credits, petrol [strike]or school dinners[/strike], need to look into those.

Incoming
Work - £1559.37
DM - £85.00
CHB - £75.20
Total - £1719.57

Outgoings
IVA - £559.57
Council Tax - £91.00
Mortgage - £653.83 any chance of going interest only for a while?
House insurance - £23.84
Gas - £40.00
Water - £23.65
Elec - £40.00
Tax disc - £10.00
Axa - 8.95
Car insurance - £70.19
Sky - 45.00 you really are going to have to reduce this
Childcare - £147.00 is there any chance of reducing this?
TV Licence - £11.00
School dinners - £38.87 can your daughter not take pack up?
Total - £1762.90

That explains alot, not including the missing bits Im £43.33 short a month.
Will find out the missing bits and Ill be back...sigh...better carry on working and selling my life on ebay.

I have added my comments in above but I notice you still haven't included any food or petrol in here? you need to include these to get a realistic picture

I know you say Sky is your only luxury but as you are on an IVA and your outgoings are now more than you have coming in, you really cannot afford this luxury.

Has your incomings changed since you took out the IVA? is it possible to renegotiate the payments down esp as you 'overpaid' 2k? I appreciate it's very noble wanting to pay it all back but I don't think realistically you can afford to be overpaying at the moment esp whe your mum is giving you £85 a month aswell

sorry if I'm not helping much!