My debt-free diary

DebtFreeDan

Well done for deciding to sell your shoes on ebay, this must've been hard for you judging by the amount of women at my office who insist that 70 pairs of shoes is good for the soul - pun intended :beer:

Dan
x

laura2481

DebtFreeDan wrote: »

Well done for deciding to sell your shoes on ebay, this must've been hard for you judging by the amount of women at my office who insist that 70 pairs of shoes is good for the soul - pun intended :beer:

Dan
x

Well, I did buy the damn things and never wear 'em! I bought them via a catalogue and when I actually got them they had 3 inch heals which is about an inch higher than i can safely walk in! :rotfl:

laura2481

Sent off my Barclaycard fee reclaim letter today, :j only a full month procrastinating!

Had a bit of a bad day today, have just felt really anxious about this whole debt thing!! I need to have £800 by next April, for the mortgage. But have nothing, because i spent what i had been saving because I was getting fines etc. Anyway, i had thought i would get a small loan. Then realised that applying for credit that close to renewing the mortgage will show up on the credit report and possibly make it harder for us to get a better deal, if a better deal can be found! So then I was thinking, if i absolutely scrimped and saved could i have all, or most of that £800 by April? And i probably could, but it would be HARD. And i won't be able to make any overpayments on the credit cards like I want to but least I won't be getting myself £800 further in debt.

Why is it sooo HARD? :mad:

laura2481

OMG! Just did the 'Minimum Payments- What's the damage calculator'. According to this it would take 21 years and 9 months and cost me £2597 in interest.:eek: Which is almost as much is what is on the card!!! MUST MUST MUST find a way to overpay!

laura2481

Right, have listed my shoes on Ebay, and also put on a couple of exercise DVDs which I have looked at, but not actually used, and have considered selling some Swarovski crystal animals I have, but they were gift for my 21st birthday and it just seems wrong, even though I need the money. What to do?

I have also got a ring i could sell but again, it's one of those, it seems wrong... I guess I really will have to see how bad things get!

Have managed to keep myself out of mischief today as I have a holiday today! Watched TV, and tried to relax. Still feeling quite tense though, and it's constantly on my mind! Especially scraping together this £800 for April.

Making a chocolate trifle to cheer myself up!

laura2481

I did download free ani-virus sofware today though :j

My norton360 subscriptionran out on tuesday and i was wondering what to do about new anti virus stuff and then there it was in Martin's money saving Email:money:

Fab. By my reckoning, that's about £60 saved on the cost of a yearly subscription to Norton! (and Norton annoyed me anyway!)

laura2481

Any amount's in purple are half of the total monthly bill as my BF pays the other half. All the green ones are just mine.

Income:
Wage: £1132
other income: bonus. unpredictable
Total: £1132
Outgoings:
Mortgage: £226.87
Insurances(life, buildings, contents) £37
Elec £14
Gas £8.50
water £9.50
TV £5.98
Food £60
Homeserve boiler Ins £4.98
Petplan Ins £5.73
Council Tax £41.50
TV/phone/broadband(virgin) £17.25 (£34.50 in total) Just negotiated down from £47

I pay £445 in total into the joint account to cover these.

HSBC CC £75 outstanding balance in signature APR 15.9%
Halifax CC £75 outstanding balance in signature APR 16.94%
Loan £47.94 Barclays, unsecured. Due to end in April
Bus travel £94.50 (pass covers all bus and train travel needed for work. This is the cheapest option unfortunately)
Mobile: £15 (Average. £10 min, occasionally up to £20)
ABDO registration £26 (essential-i can't work without it)
Total outgoings: £ 778.44

2 adults in household, and one cat who won't eat anything but Whiskas :rolleyes:

It looks like i have loads to spare, but as i started -£250 in my overdraft there is only £101.50 'spare'

laura2481

Have just successfully freecycled my first item :T A chap just came to collect some garden chairs we had kicking around... Much better than rubbish tipping 'em. And you never know when we may need some thing from the freecycling network. Karma and all that..

laura2481

OMG, just read through posts for this week. How up and down have I been? I'm gonna have a rest tonight. Log off. Watch a film. Maybe have some popcorn? Need to clear my head a little....mind you it may be a little due to hormones! :rotfl:

laura2481

Feeling a little happier today. Just gonna have a nice evening in with tv and a bottle of wine and relax. How can I afford a bottle of wine you ask?Well, went halves with BF and we cashed in some 1ps and 2ps and 5ps we had been saving so had £20 to spend on groceries. Little treat. Still £11 left until Friday!