My Shiny New Diary!!

**Amy**

I couldnt wait so paid £100 off my credit card.

This means I am under £8K :beer: :j :T

Im so happy.

x

Lucy1982_2

Congratulations!!!!

I can't wait for that day!

**Amy**

Thanks Lucy. Believe me i didnt think it would ever happen.

Im setting myself little targets, and it seems to be working.

x

**Amy**

Today has gone quite quickly for a Thursday.

Im still checking my online banking every hour or so, trying to see if anything has gone in/out, but more importantly to try and win £1K from HSBC :rotfl:

After doing my spreadsheets yesterday I am still trying to figure out ways to make extra payments.

Unfortunately I wont be going to Chessinton this month for my birthday, but on the bright side thats £50 saved. I am going to treat myself to some home spa treatments and have a "Me Day".

Looking likely that I might just be under my £600 target for July, but you never know what a month could bring. :cool:

**Amy**

Oh and I seem to find myself over in the Mortgage Free Wannabe section a lot!!

I think that may be where im heading in 2010. :rotfl:

**Amy**

:j Its Friday :j

Im sooooooo happy. I was so tired this morning when i got up, i barely heard my alarm, im ready for my Saturday morning lie-in tomorrow.

I got a 2nd letter from a DCA re a Full & Final settlement offer i sent (it was the 2nd letter i sent reitterating the 30%). Anyway, they completly didnt read my letter/just sent me a template one out because it said that the payment i was offering was not acceptable as it would take too long to clear the debt! Huh?? So i have just typed a letter saying that im confused etc. You never know they may try and get rid of me by agreeing to a low amount. :rotfl:

I havent been paid today (im due to be paid on Monday but wasnt sure if it would be last Friday or something... i can dream!), and weirdly my rent hasnt come out (it came out on 26th last month... ). If it doesnt come out on Monday i will have to call them. The one month i have myself sorted and have the money in there waiting and they dont take it. :rolleyes:

Im getting a tad carried away with the whole house thing. I am writing a list of "extras" taht I will "need" when i move. I will have over and above enough savings for them but im doing a list now and checking prices now (God knows what good they wil be in 2010 :rotfl: ) but still, it makes me feel useful.

Seems like a quite day in the office today, just hope the day flies past.

HOpe you all have good ones.

x

djdymond

well done for everything hun! x

**Amy**

:hello:

Had a nice quiet weekend. Saturday went to my nephews school fete. Spent about £1.50 on little games for him, and possibly an ice cream

Saturday night i had agro with my neighbours :rolleyes: Cant wait to move.

Sunday i spent all day in doors with my cats, playing and watching DVDs. We played for about 2 hours and they crashed on the sofa whilst i watched Heroes. It was a great sunday, but now i really miss them :rotfl:

I got paid today. :j I have paid extra onto my credit card as well. We shall see how much i end up paying off this month, but so far its looking good.

I have my upgrade phone ending today on ebay. It has 10 minutes to go with 33 watchers at... £240 :eek: Will update when it ends.

:T

embarrassed_about_my_debt

Well done amy, thats great for the new phone.

Please be careful though, if they are paying by paypal then make sure it is a confirmed address, if not refuse to send it till they confirm there address, or tell them you will only accept cheque/bank payment/cash by special delivery.

If you send it to an unconfirmed address when you receive a paypal payment and they then say it is a fraudulant transaction it gets pulled from your paypal account and then you are minus the phone and the money. :mad:

If it is a confirmed address then you have the paypal protection. It has happended to me before and i argued with them and gave up in the end as there terms are rather vague :rolleyes:

**Amy**

Thanks EAMD, i will double check.

It has just ended at £275 :eek: Im in shock. They havent paid yet, but they have 300 feedback and i have just checked and its 100%. Fingers crossed they pay.

How is your debt busting going?

x