Time to start a fresh.

Sarahwithlove

I hope the new company doesn't charge you too much extra in fees etc. 

BlueJ94

Sarahwithlove said:

I hope the new company doesn't charge you too much extra in fees etc. 

118 told me that the new company would also agree a payment plan so no charges would incur.

BlueJ94

Came home to a parcel, it was a product test I didn't know I had been selected for. I also get a £15 voucher upont completion 

Parkyp

What do you like to draw.? 
damm was hoping they had made an error and wrote your 118 balance off. 

Hope you testing product is something good 😀

BlueJ94

Parkyp said:

What do you like to draw.? 
damm was hoping they had made an error and wrote your 118 balance off. 

Hope you testing product is something good 😀

Usually I just draw owls, I love them!
Yeah unfortunately not, but I don't mind as interest still isn't being added etc, just waiting for a letter from the debt agency so I can arrange a payment plan with them! I'm testing vanish oxy stain remover I also get a £15 voucher once completed so might buy a little green house for my cucumber plants! I'm also awaiting a concealer from Click Research so hopefully that comes soon! 

I'm currently sat in my spare room, set up my desk and made a cuppa and I'm going to budget and plan my debts properly, without any distractions!

BlueJ94

Okay, so my plan is as follows;

Pay £50 from Zoom survey towards my Fluid bringing that down to £230, then the £30 I usually pay to Marbles I will pay to Fluid so my min payment with fluid would be £60. Anything I can make from surveys will be throw at Fluid also. I then plan on tackling Aqua, Vanquis and then my smaller Loan.

Sarahwithlove

Sounds like a good plan to me. Did you manage to look at creating a budget for yourself? 

BlueJ94

Sarahwithlove said:

Sounds like a good plan to me. Did you manage to look at creating a budget for yourself? 

No I'm abit stuck on what to include. So far I've allocated £30 for clothing and that's only if I need and not want, whatever is remaining at the end of the month I'll pay towards a debt. 

Sarahwithlove

OK I have all my DDs listed. Then I allow for groceries and household items £200, spending money £100 (I.e eating out, toiletries, days out etc), petrol money £25 clothing £15, other household items £25 (I.e towards replacing anything that breaks in future so doesn't have to go on credit) and then hair and beauty is £50 but that's because i have regular massages for my bad back. Without them I wouldn't be able to work. If it's just a hair cut then I would aim for every 3 months as a minimum and divide the cost by 3. Hope that helps. Problem I found with not having a budget is that I didn't stop and think to myself do I really need this? With my budget I say OK that will leave me with this amount for rest of, do I want it? Or I make myself wait until end of month and if money left in my spends then I might get it but often by then I really it's a want rather than a need and I'd rather be debt free quicker instead. 

BlueJ94

@Sarahwithlove thanks for the suggestions ill have a look tonight, I checked how much I will have left after I've paid all bills and I'm at £300 so hopefully I can budget and pay extra towards different things without falling short at the end of the month