To Keep Motivated Diary

Keeping_Motivated

Another update.

Received £50 from Topcashback so have paid that off the Barclay card. Plus I have updated the totals after the monthly payments have gone.

Still not done any ebay but I will do it this week... I will, I will, I will.

Still not received payments for the concert tickets but will pay it straight off the card when I receive it.

Just worked out that I've paid £546.58 off the debt since the 11th Nov so thats not too bad??

Keeping_Motivated

Received some money for tickets that I was owed so have paid that straight off the Barclaycard and updated my signature.

I must be completely honest here though and admit I have spent on a credit card that had nothing on it. It has been for Christmas presents but I am not going to add this to the debt in my signature because my plan is to pay it off in full as soon as the statement comes in January. I will use my January wages as they are not spoken for and I will be careful what I spend in Jan. So that is not too bad but it does mean that other than the monthly payments I won't be able to reduce the signature in January :mad: Annoying really but as long as the debt doesn't go up I am grateful.

Oh and while I am confessing....I've still not done any ebaying....but I was so busy with work and Christmas and at this late stage its too late as by the time the auctions end it would be too late for the Christmas post!! So thats another thing I am annoyed with myself about. Will try harder in the new year.

Keeping_Motivated

Right I've finished work now and I was thinking while I am off I will do some ebaying as I'm not back at work until the 7th Jan but how well will ebay items do at that time of year? Does anyone know? I can't imagine they'd too well so perhaps I should put it on hold for a little longer?

And I need to edit my signature as 'money due in' is not now correct as Quidco have just declined £25 from HSA after my enquiry?? :mad: I've sent another query to ask why.

Nothing much else to report as with Christmas I can only afford to pay Christmas off and make minimum repayments :rolleyes:

Kind of looking forward to New Year so I can stop paying out for presents etc and can pay more off the debt.

hayley1471

Keeping_Motivated wrote: »

Right I've finished work now and I was thinking while I am off I will do some ebaying as I'm not back at work until the 7th Jan but how well will ebay items do at that time of year? Does anyone know? I can't imagine they'd too well so perhaps I should put it on hold for a little longer?

I find sales on ebay drop off this time of year, so what I will be doing whilst on annual leave is preparing my listings for the next free listing day. I use Turbolister (from the ebay website) to generate my listings. Once you have created them, you can hold off uploading them to ebay until a free listing day or until the time that you think people will have more money.

Keeping_Motivated

Thanks Hayley. I will use Turbolister over the Christmas period while I am off and then download when it is a better time to sell.

I have changed my signature to include my aims for 2008. I now need to plan, prioritise, do spreadsheets and have time specified goals so that I can make all these aims possible. If I just drift hoping I will meet my aims I have a feeling they will be a little half hearted.
So... while I am off over the holidays I intend to do some budgets and prioritise and set time targets to keep me motivated

Wish me luck

Keeping_Motivated

£13 is showing as been paid from Quidco so as soon as that hits my bank it will be paid to Barclay card. Its not much but as I have said before in the past it would have just gone into my current account and been used as spends.
So everything I have had that is 'extra' since I started this diary has gone straight to the debt.

I have opened a couple more credit cards in my husbands name on his Quidco account and opened a bank account on mine so in total on both quidco accounts now I have £110 tracking :T obviously will be a while before its paid but it still all helps.

I'm ashamed to say I have still not done my tubolisting for ebay this really (it will, it will) be my mission for this week :rolleyes: :rolleyes:

I still also need to do some budgeting etc so thats on my list this week.

So not much change again debt wise but I hope to see a big difference over the next couple of months just been slow due to Christmas.

I don't post much but it really helps to refocus me, sorry if I bore anyone with my trivia

Keeping_Motivated

Just updated my signature again as the £100 monthly payment to the Halifax card has gone today. Must ring them today to find out when the 0% deal ends too.

Still £2583.10 to go!!!! I know some people will think its really nothing but as I have said earlier in posts it just kind of stays and neva goes so I am determined this time to get rid of it.

So today I have some spare time and I am going to list some items on ebay.
And I am still owed £170 so hopefully I will get that soon.

Keeping_Motivated

Ok I've just joined a couple of the survey sites that are recommended by the lovely sharing people on this board.

I have made a chart so I can keep track of what I've joined, when, user names, how much I've earned so far and how much I need to earn etc.

I thought I'd join a couple a day so it doesn't get too tedious and then check back on the ones I have already joined the days before to see if any available surveys for them.

Not much but it all helps and I'm hoping to save any vouchers for next Christmas.

Does anyone do the surveys that are competitions or just the ones for points/cash?

Keeping_Motivated

Hi me again with another update.

Had a good day yesterday. I won £59 on the Closer Bingo and then won £10 on Jackpot joy deal or no deal and I went through Pigsback for that so got 1000 points (well should do) so I think that is a £10 voucher if I have got the pigsback right?

So £69 in cash and £10 in vouchers, very pleased with that :j

And I am still in the habit of paying every 'little' bit of 'extra' cash off the debt so as soon as the £69 hits my account it will go straight off that Barclaycard :T And I will save any vouchers I get for Christmas presents.

I'd just like to thank everyone again who contributes to this site its really inspirational and VERY addictive. My new 'habit' has got to be to condense that time I spend on here as its getting rather ridiculous

Keeping_Motivated

Hi not been on to my diary for a while to update. I have been round but just mostly lurking.

Only paid another £198.89 off the debt since I last posted, which I am a little disappointed with but I hope to pay some more off this month. I want that Barclay Card cleared this month if possible.

I will try my luck tonight on some more bingo sites with the free bonuses and if I get any luck there it will go straight off the card.

Still not listed on ebay... how lazy am I.... I will try to list some this week.