moneymabels debt free by 2009 challenge

jenjade

hi all,
i just checked qiudco and lotto24 has changed to validated- have a look at your moneymabel

got lots ending on e bay today and i think i will list some more as it is half price
also got to do daily clicks
having today home with dd so we might to out! probably a spending day today but she wouldn't go to playscheme yesterday so that saved me £15! lol
hope you all have a good day catch you later

**Amy**

Morning All

Well i have been up since 5.30am, worrying! :rolleyes: I have the dentist today (which i dont like) and also my wages havent gone in! Looks like im getting paid tomorrow which doesnt help as both my loan payment and my rent have come out, making me go £100 overdrawn. :mad: :rolleyes:

I am speaking to my bank now so i can get my loan payment date changed to 2nd of every month, but the council wont change my rent date from 28/29 because "thats their day" :mad: So will just have to make sure i "roll over" the amount each month for that.

Ah well... at least its free bingo on gala today

xxx

**Amy**

OH FOR GOD's SAKE!!!!!!!!!!!

Now my bank have said they can change the loan payment but will mean 2 lots coming out, i.e. the amount I have just paid, and then a 2nd amount on 2nd June :mad: :mad: :mad: :mad: :mad:

At least I have that tax rebate (hopefully!!!!!!!)

xxx

jenjade

hi amy your bankk are taking the !!!!!! that is just stupid. what about if you phone back after the 2nd to change it?
i have had a shocking moring been very busy looking into money where it has all gone etc!it is easty to see where it all went if i open a food cupboard or the frezzer!! i have been saving receipts to see the extent of the damage and shock myself. it appears this will work in 2 weeks i have spent £81.47 on shopping in supermarkets!!! AH there is 2 of us me and my dd aged 6 and not a big eater. i see the need for changes! althought £6 was trellis in tesco for the garden and £4.00 was clothes but it is still 2 much and that was 2 weeks i was thinking and watching so i spent over £70 £36 a week!um
i see a challage to clear out the cupboard and freezer now!

i have listed a few items on e bay
i phone council tax about spreading payment over 12 months instead of 10 and was told it costs £56 to set up i am not sure about that so might phone tomorrow and speak to someone else..
i phone rent about the same as was told i have OVERPAID by £153.12 !! forgot to ask about spreading payments lol so i am not paying rent for 2 weeks now!

i hope the dentist was gentle with you i am ok with dentists but i know somw people really hate it. hope your day improves amy!!

**Amy**

Thanks JenJade.

I might phone up and change the date again tomorrow. Will see what money i get in my pay.

I havent been to the dentist yet, and im actually going to have to cancel it and rearrange as i dont have the money to pay for a check up or even to get home from town! :rolleyes:

I am still going to take a few hours off this avo though (boss knows im going to dentist and i came in early!), so i can list stuff on ebay, do some cleaning and sort out my filing! :T

jenjade

oh hun have you listed a soa on her to see if anyone can advice on how to cut your outgoing? i have listed a few more things on e bbay but i am worred about sorting and sending it all when it ends so might not list anymore!

**Amy**

HIya

My SOA is ok, and all my outgoings etc. are at their minimum, it has screwed me up the past 2 months because i changed job, and first i got paid by cheque, and this time i wasnt sure when i got paid (havent even had my payslip yet :rolleyes: ) so its all a bit wrong.

The only 2 dds that have come out are my rent and loan payment (i used to get paid on 25th of every month).

I have at least changed one of them, so fingers crossed i do get paid tomorrow.

xx

jenjade

my fingers are crossed for you hun i got paid today which was fab. are to on track to pay your debt off by 2009?

**Amy**

Thanks, mine are too... am getting seriously peed off with not knowing whats going in and when! :rolleyes:

I doubt i will pay my mum off this year, but i know i will finish my CC and loan. My loan should finish end of beginning of September and my CC should get paid off November/December. However if i keep making extra money a month, and if my sister gives me back the £600 she owes me in August/September, i could well be debt free this year, you never know!

jenjade

amy i would talk to your sister about the money it would move your goal closer
i couldn;t find the thread we had slipped to page 6!!!!!
e bay is very busy 2 ended and sold 6 finidhing this evening half have bids