When your world crumbles around you... thats when you open your eyes!

pidge04

Thank goodness you found this forum. You’ve had a rotten ghastly time. You will turn this around. Good luck.

enthusiasticsaver

Good luck with the job interview Friday. It sounds like you have a good plan to tackle the credit cards then the 118 loan. Avoid online shopping like the plague. It is so easy to overspend.

betweenrockandhardplace

Thanks everyone

Pretty boring day today. Haven't left the house. Not being at work is driving me crazy, as much as I love my 2 year old there's only so many episodes of peppa pig I can watch.... on repeat...over and over...:rotfl:

I forgot to mention before I have a standing order to my JD Williams catalogue every Tuesday when my child benefit goes in... just £14.40 a week but every penny helps! I have £20 left out of that that I use to top up gas and electric £10 each.

At the moment I get paid twice a month 10th (wages) and Universal credit (28th) so sorta spaced out during the month, generally my UC pays all my direct debits and rent that comes out on 28th every month, my wages is generally used for food shop and debt repayments so as I said depending on how many hours I do depends on how much I can pay off debts.... hence why I'm not thrilled I'm not working for the first 2 weeks of May... then if/when I do get hours my wage is going to be terrible for this month. Hopefully I get this new job on Friday as that is contracted 25 hours so at least I know il have an income.

Now what to have for tea?

betweenrockandhardplace

evening all!


another boring day. sigh.


had a bit of a wobble this morning. just beating myself up that if i hadnt spent on the credit cards again after i paid them all off i would be debt free by xmas by overpaying the loan.
oh well... whats done is done i guess...


I just want this debt gone asap as i said before ive never really been in debt before and to go from being in a few hundred pounds to thousands of pound in the space of 6 months is really upsetting me. i feel so stupid and keep thinking to myself what was the point if you know what i mean?


ive managed to sell a few things i bought with the money but didnt get nearly half what i paid for them, always the story!


i have a confession to make... i impulse bought something on amazon last week because it was a bargain! clearly didnt want/need it as its still sat in the sealed amazon box in the hallway... therefore ive done a returns label and im sending it back!



i think thats another problem of mine i cant resist a bargain!


ive had a pretty boring and lonely week so im treating myself to a £10 takeaway. shoot me. i dont care. i havent had one in ages!! hehehe


goodnight

doingitanyway

Enjoy the take out.

Blondetotty

Hey OP

I know you mentioned you were paying off Vanquis first and then your other c/c's and the catalogues were going by a fixed payment but I'll be honest in that it might make more sense to throw all your money that you can at those high APR ones of 59.9 first before thinking about Cap 1 and B/card.

Another plus is that every little thing that gets fully paid off and closed does give you a bit of a mental boost, and you find yourself being even more determined to carry on. Seeing the same old debts there every month even though you're paying them down can get a little demoralising even though they're slowly going down but snowballing, for me at least, is a winner. I got quite excited ticking another one off, especially in the early days when I felt like I was drowning under the weight of multiple creditors.

betweenrockandhardplace

Blondetotty wrote: »

Hey OP

I know you mentioned you were paying off Vanquis first and then your other c/c's and the catalogues were going by a fixed payment but I'll be honest in that it might make more sense to throw all your money that you can at those high APR ones of 59.9 first before thinking about Cap 1 and B/card.

Another plus is that every little thing that gets fully paid off and closed does give you a bit of a mental boost, and you find yourself being even more determined to carry on. Seeing the same old debts there every month even though you're paying them down can get a little demoralising even though they're slowly going down but snowballing, for me at least, is a winner. I got quite excited ticking another one off, especially in the early days when I felt like I was drowning under the weight of multiple creditors.

thank you for the advise, i just feel as though il feel more accomplished if i get the smaller ones back to £0 then i can throw alot more at the biggest one and it will be down in no time!


payday has arrived! :j


i paid £670 off debts this morning including getting vanquis down to £0 :j im in two minds on whether to close this card or not? limit is useless at £250 but ive had the card for over 5 years...


paid off one of my catologues thats now at £0!:j


feeling good that ive managed to get 2 debts down to £0


hopefully be able to pay barclaycard off in full at the end of the months payday which is at £440 at the min.:eek:


that will be over £1100 paid in one month! next month il probs only be able to make min payments with having no hours half of this month but we will see....


job interview today! feeling nervous but ready!


il update you all later today


have a good day everyone!

Blondetotty

At the rate Vanquis charges, close it! Plus the temptation is removed entirely.

If you need a card for emergencies, wait until the Cap 1 or B/card is paid off, ask them to reduce the limit to £250 or £500 and keep it frozen or locked up somewhere, then set up a direct debit to pay the full balance or if not, at least a large chunk and only use it for emergencies or when it makes sense to use a credit card for purchase protection (and they pay it off).

If you keep all your cards you'll be tempted and for me, it makes more sense to keep a low limit on the lowest interest card you've got not the highest interest charging card irrelevent of how long you've had it.

Also, make sure that you ask Barclaycard or Cap 1 NOT to increase your limit automatically. They kept doing it to me and it was a pigging nightmare.

betweenrockandhardplace

Blondetotty wrote: »

At the rate Vanquis charges, close it! Plus the temptation is removed entirely.

If you need a card for emergencies, wait until the Cap 1 or B/card is paid off, ask them to reduce the limit to £250 or £500 and keep it frozen or locked up somewhere, then set up a direct debit to pay the full balance or if not, at least a large chunk and only use it for emergencies or when it makes sense to use a credit card for purchase protection (and they pay it off).

If you keep all your cards you'll be tempted and for me, it makes more sense to keep a low limit on the lowest interest card you've got not the highest interest charging card irrelevent of how long you've had it.

Also, make sure that you ask Barclaycard or Cap 1 NOT to increase your limit automatically. They kept doing it to me and it was a pigging nightmare.

Thank you that makes a lot of sense 😁

betweenrockandhardplace

Goooooooooood morning!

Well my interview went well last Friday and they offered me the job.... but what they didn't tell me was that the hours are not fixed/guaranteed. For example instead of the 5 hours a day they advertised it could only be 2-3 hours a day and very rarely do the full 5 hours.
It would end up costing me more money for childcare so I wouldn't be earning anything. Such a shame because I really wanted the job.

But I have got another interview on Friday so fingers crossed for that!

I had a lucky win at the weekend! I use this app/website called boom25 and the basic principle is you visit a retailer through the app/website and make your purchase as normal, you have a 1/25 chance of winning your full money back! No catches or anything! You have to wait up to a max of 120 days before you know if you have won but it can happen sooner. Different retailers have different odds on winning your money back. Anyway I bought my sons bunk beds and mattresses from eBay in March and I just won the full £255 back! I've sent the money to my paypal account which il probably use for capital one :A

Still only done 8 hours this month in my current job and not back in work till Sunday. That will be just 16 hours work in 3 weeks. :eek:

I'm gonna be sooooo skint next month. I need a new job ASAP.