Sophie's Debt Free Adventure

sophie27

Well I did what I keep doing and thats feeling so tired I lie down on the bed 'for a minute' and before I know it its 2, 3am and I have to go down and check everythings ok then go to bed. When I wake, I feel awful as a result!

Got a call on the job front today and I am going into a recruitment agency on thursday as they have a job I might be interested in. Pays 40k! I'm on 30k now with 5k bonus so would be amazing! :eek:

Also, I went into waitrose as I need a new pepper mill and picked up a big one and was heading to counter when thought its a tenner and I could get the same one but smaller in robert dyas for a fiver. Normally I would have just splurged and thought nothing of it but I actually put it back and went and bought the cheaper little one. Its even magnetic. I'm learning! Slowly but surely.

sophie27

Well the recruitment agency went well and she is putting me forward to five companies which are all fantastic!! She can match my basic plus bonus as a basic salary at these companies so 35k plus bonus instead of 30k plus bonus. One of them even pays 40% bonuses!!!!!!!! Not clear if that would apply to me though! :rolleyes: :rolleyes:

Although I went via Topshop Oxford Circus on way home and got some flip flops for a fiver. That was all I bought which is amazing!

Off to Lidl now as want to get my hands on the face cream everyone is raving about for less than two quid. Need a few bits though so the trip is justified!

Had a brainwave last night and thats we are swimming in loads of paperwork and our house is tiny. So I'm going to scan all the bills etc I need to keep and store on laptop and backed up on external harddrive. That way all the essentials like MOT's, insurance certificates can fill up one folder and the rest can be scanned, shredded and binned! Good plan I think.

OH has interview next week which is taking some pressure off. Fingers crossed he gets it!

sophie27

Right so I need to make some changes to my debt situation and lots of people will not approve.

OH can't pay his 4k tax bill as work has completely disappeared due to housing crisis. Therefore he is going back to work PAYE and has interviews next week. I've had to pay for nearly everything for the past few months resulting in him owing me 2k. :rolleyes: :rolleyes:

I completely trust him in terms of money. We own a house together so he can't do a runner! So...........my plan is that I have 4k left on my A&L loan and he needs 4k and 2k to pay off the credit card I have had to use to bail him out. Resulting in 10k. I have hunted about and I can borrow this amount over three years with a good rate from Asda.

This is the best option I can think of. I can't do a bank balance transfer from a 0% credit card as I really can not afford repaying anymore each month. As for him borrowing in his own name, he can afford to repay anymore than he is and I plan to pay off early with my bonus!

Phew, that was complicated.

Right as for today, I am ebaying (can't wait!), going to the gym, cleaning the kitchen, sorting out living room (loads of 'stuff' lying about) and the dreaded ironing. :mad:

sophie27

Tried signing up for writer's share but doesn't look available at the moment. Grrr. Looks interesting!

Well today I have scanned lots of stuff for ebay and spent ages cleaning my car in and out. Its now my pride and joy! :cool:

Nipping to garage to get some vegetables, coffee, yogurts etc. Also need to rustle something up for dinner. :rolleyes:

I am starving!

sophie27

Forgot the coffee so off I go again! Was distracted by the chocolate.........:whistle:

I have 20 sitting in William Hill that I will withdraw and put towards my Barclays CC. I should have a 50 payout from quidco at the end of the month which will go the same. Hopefully I will have a bit more luck with the focus groups this week. Applied for absolutely LOADS but heard nothing at all back! Hmmph.:wall:

sophie27

Gorgeous day here today, even got a bit of sunburn!

So I have been hunting about for a good loan rate for my plan in the previous post and seems will be either 6.9% or 7.3%. Going to get tax bill out and my cc statement and get all the numbers organised.

Was up v late last night, well this morning, so have to get an early night tonight!

Off to the gym in a bit, better dust off my membership pass. :rolleyes:

sophie27

I went to Aldi yesterday and nearly got a week's shop for 49! Loads of other bits too stuff as cleaning stuff so I am very pleased. It wasn't too busy but you could so tell some of the sainsburys & waitrose faithfuls were in there undercover! :rolleyes:

Stuff to do:

Clean bathroom
Clean bedroom
Wash kitchen floor & finish dishes
Hang up washing
Ironing
Vacuum living room & hall

Ebay the pile of stuff in garage
Get charity clothes bag together
Amend my signature as car loan & student loan payments have come out
Go to the gym (I HAVE TO!)
Pay Management Company Bill (200 :eek: )

Off to ring Alliance & Leicester about my increased loan application. They credit searched me twice! Fuming. :mad: :mad: Have to send in my credit report and 'ask' for the second search to be removed. Muppets.

sophie27

sophie27 wrote: »

I went to Aldi yesterday and nearly got a week's shop for 49! Loads of other bits too stuff as cleaning stuff so I am very pleased. It wasn't too busy but you could so tell some of the sainsburys & waitrose faithfuls were in there undercover! :rolleyes:

Stuff to do:

[STRIKE]Clean bathroom[/STRIKE] DONE
Clean bedroom HALF DONE
[STRIKE]Wash kitchen floor & finish dishes[/STRIKE] DONE
[STRIKE]Hang up washing[/STRIKE] DONE
Ironing
Vacuum living room & hall

[STRIKE]Ebay the pile of stuff in garage[/STRIKE] OH DOING NOW, I HAVE NO NAILS LEFT!!
Get charity clothes bag together
[STRIKE]Amend my signature as car loan & student loan payments have come out[/STRIKE] DOING NOW
Go to the gym (I HAVE TO!)
Pay Management Company Bill (200 :eek: )

Off to ring Alliance & Leicester about my increased loan application. They credit searched me twice! Fuming. :mad: :mad: Have to send in my credit report and 'ask' for the second search to be removed. Muppets.

I am exhausted, had a mad garage clean out. OH starts his v flash new job in a couple of weeks so we have to get it sorted so car can go in garage as its worth a small fortune and he won't have it on the drive if he is out at work all day. :rolleyes: :rolleyes:

I have some clothes to ebay draped over banister so I will tackle them in a bit, need to go to gym. Can't be bothered!

I have joined benbenandme's summer challenge to make 1k. We have OH's ds for the summer holidays so I figure I will be out and about with him during the time I have off and the weekends so I can mystery shop all over the place!

sophie27

Three mystery shops booked for Fri, Sat and Mon! 27 to add to my summer challenge. Need to get it on my signature, will do in a minute.

Awful work day today, feel awful and so tired. Trying to get house straight, its so tiny and theres no room for anything! Saw some storage baskets on tesco direct for 45 which would really help but bit pricey.:rolleyes:

Really need to get ebaying, loads of stuff lying around that HAS to go but I just never have enough motivation to do it!

Set up my spreadsheets for the summer challenge and have 87 quidco money there and my upcoming mystery shop money. Just wish the focus groups would take off, I have been unsuitable for all I have applied for! :mad:

sophie27

Absolutely gorgeous! The weather people keep getting it so wrong. Was forecast as heavy rain all weekend! Have absolutely loads to do. House is a mess so this weekend is a complete overhaul and ebay frenzy. Have to do a mystery shop now, pick up some baskets I ordered from tesco direct then do food shopping. :rolleyes:

Oh and its a healthy food weekend as I keep eating rubbish. Will get lots of fruit etc on my shop and actually eat it this time!