Happier Nat's debt free diary

natlie

Morning,
I finally received my new contract from work with my new salary today and though its a massive increase in pay our monthly total remains about the same as we lose the UC (which I am really happy about)
Not much debt news except Payp@l now have 2 cheques from SC that they haven't paid into my account and are still sending me emails telling me I owe them money  
Nat

Baileys_Babe

Brilliant news regarding your new contract

Boo to Paypal for being so inept as not to apply the cheques to your account and reduce the amount you owe them,  muppets

natlie

Hello

So today has been a day of app closures from my creditors, I can not no longer see the balance of my Barcl@ycard and Virg1n had locked the app completely. I will be trying to find account log in details this weekend as I don't know if they will work. 
Still no movement from Payp@l. 
Reported my change of circumstances to UC, nothing has happened yet. 
Nat

natlie

I did something today that I said wasn't going to do until after Christmas. I have updated my budget with SC, my payment has increased by £47 a month and I'll pay my debt off 2 months sooner. I have also updated all my sending to a more realistic amount. 
Payp@l still haven't cashed my cheques so I have updated my debt with SC back to the original amount - so frustrating 

Today is a chores and grocery shop day so I off now to get the next room sorted - living room is immaculate
Nat

natlie

Monday again, I took the bunnies to the vets to be neutered/spayed today but they are too small still phew! so waiting until next month. I can sell some more things in the meantime to help with the cost. 
No news from Payp@l except for payment reminders. They have £318 worth of cheques from me now that they haven't cleared. 
I made £4 on the weekend selling some clothes and I have 4 big black bags for cash 4 clothes and another for the charity shop, I have found selling clothes really difficult on FB and with no eb@y its easier to cash 4 clothes them even though we won't get much, I have also had no joy selling a futon that I have here which is a shame. 
Nat

natlie

Morning, 
No debt news today, money wise this months been a bit harder than usual so I am going to be carefully reviewing all of my spending, I think some of it is down to the fact that I seem to have converted a lot of my bank balance to cash, like when I catered my friends party recently I paid on my card for ingredients but she paid me cash, which is still in the house. My EF is still the same so not too worried. 
We have plenty of food in the house and I am expecting a large veg box or 2 to be delivered in the next few days, we eat a majority plant based diet here is my veg box list

2 Cauli
5kgs spuds
2 brocolli
2 swede
2kgs parsnips
3 kgs carrots
Bag of Kale (to share with bunnies)
Asparagus
3 peppers
2 cucumber
2 lettuce
bunch beets
1 kg apples
1 bunch bananas
strawberries
raspberries
blueberries
1kg red onions
1kg white onions
1 cabbage
2 bags mushrooms
5 avocados
green beans
6 sweet potatoes
3 courgettes

also ordered a bag of pickling onions and vinegar 

Nat

natlie

Excellent news!
Barclayc@rd has defaulted me and backdated the default to June 2020. Yay! with no missed payments I wasn't expecting that to happen! and so quickly too. I think am going to get a similar letter from Virgin shortly and Tesco next month. 
It's so good because that means no threat of charges and interest
Nat 

natlie

Received a Notice of Default from Tesc* this morning, the letter looked and sounded very scary! but I am going to ignore it an keep paying my payments to SC. my Tesc* debt is £2k and is one of the smallest debts that I have. 
Still nothing from Payp@l. 
Not a lot going on at this time of the month, I need to pick up a few bits for the kids lunchboxes today. I have to clean the kitchen and do some laundry, but I've run out of my SMOL pods so need to pick up some cheap washing powder. 
I have been eating sensibly this week and I have lost 2lbs I have also been exercising. 
Work has been really busy and I've felt a bit stressed out but after the next two weeks it should settle down a bit. 
If I get time today i am definitely going to drop off clothes to Cash4Clothes as they've been hanging around our landing for a week now! 
Nat 

natlie

Managed to get to Cash4clothes yesterday made £10.80, did my shop too. 
Today I have been baking some brownies for volunteers at the litter pick in our local park. 
Got some chores to finish from yesterday as we went to visit the in laws, it was my father in laws birthday, when we got there my mother in law was in tears she hasn't slept or eaten for three days, she is suffering from a virus and she has cancer. My brother in law and I cleaned her kitchen for her and sorted all her cupboards she had out of date food in there from 2008! There was a pot of mayo in the fridge from 2016 and I hope she hasn't been eating it! I took some of the food that had expired recently but a lot of it had to be recycled. 
I am in the middle of cleaning the kitchen, I am then going to tidy the living room and my bedroom, I did the rest of the kitchen and my husbands man cave yesterday. Laundry is on the line and I have a few things to put in the garage. 
Later i am going to make a roast dinner 
Nat 

Toni'sfriend

Hope your mother-in-law is OK, Natlie.