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This time I will do well
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Sending you hugs, I hope your pain eases soon!
Don’t feel guilty about having a little blow out, it happens to us all. £200 on Saturday morning for me before I even got dressed!!It can’t all be about the debt clearing as I have
come to realise xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25710 -
I hope you feel better soon. Just spotting the spending is a step in the right direction.Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p13 -
Thank you ladies.
so my PIP is finally sorted and I got the money that I didn’t receive last week so today I am going to call another of my creditors with whom I have a “small” debt (280) to clear that one and close the account
I could also close another small cc (~160) but I’m waiting as they are considering my request for write off so I might as well wait and see if I can use that money towards something else. TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉2 -
So! I’m coming to celebrate. Another credit agreement settled and closed. And FINALLY MY DEBT IS <£20k!!!!!!!TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉5
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Hurrah well done 👏Cheesephetamine said:So! I’m coming to celebrate. Another credit agreement settled and closed. And FINALLY MY DEBT IS <£20k!!!!!!!Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
One of my creditors have denied my request for writing off my debt (which I expected) so I made a counteroffer of paying £350 of the £800 I owe (£350 was my original payday loan and this payday loan has been bought by lantern). My strategy is to offer them what was originally given to me without interests. I hope they can accept this offer and if not I will continue to make token payments until I get to this one in my snowball strategy.TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉1
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It’s definitely worth a try, they may come back slightly higher but anything less than what is currently outstanding has to be a win right?Lots of luck xxLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25710
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I just had the first $20 sent to my PayPal by UserTesting. Really nice to get that extra income for 10 minutes work! each penny counts TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉2
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Can I ask whats User Testing xCheesephetamine said:I just had the first $20 sent to my PayPal by UserTesting. Really nice to get that extra income for 10 minutes work! each penny counts June grocery challenge £164 /£460...
week 1 £87/£115
Week 2 £77/£115
My Debt Free Diary >>>>>https://forums.moneysavingexpert.com/discussion/6360269/desperate-to-sort-my-life-for-last-time0 -
It’s a website and app where you get paid to conduct user tests (testing beta products like apps, webs and such). It not easy to qualify for a test (thus far I have qualified for two) but they pay very well. $10 for 10 minutes of checking a web and giving your opinion is well paid imo. It’s UserTesting dot com if you want to check it outTOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉1
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