We had our LBM Last night

Indebt1984

EGG CARD 3500 75
EGG CARD 2 1350 30
BARCLEY CARD 1 2400 60
BARCLEY CARD 2 1055 50
MINT 500 15
THOMAS COOK 1300 60
LOAN 5000 60
LOAN 11000 160
EVANS 450 20
BURTON 350 20

CATUELOG 1250 20

CAT 350 30
SOFA 700 25


TOTAL 28205 625

Barcelycard 2 gone down by £45 Which i am well happy bout and i got to pay some more bill today so i update again soon.

Lovely bright day, Hubby didnt get home till 2am plus he had to get up at 5am for work. My dayy off today and i got loads of ebay items to wrap and send off & bank to do my bills and put money in.

On the debt side i had a few buy now items sold last night which is all amount up to pay off the debt. Did i have £50 to pay off the barcelycard but only used £45 cos i need bread and milk and few bits till shopping day.

Gonna give it a go with the piggy point thing. And update my chart for the debts this afternoon in the garden i think.

Take care x x

tinkerbel

Heya!
Just wanted to pop in and tell you how well you sound like you're doing!
I have no idea about things really but you really do sound clued up what with the ebaying and the car boot sales! Well done.
You sound really motivated and its great that you have your hubby on board, even if he is being a bit manly and overlooking the paperwork and stuff that you've done!
I shall enjoy reading your thread and hope that your debt busting is really successful!!
Tink x

huxley

Hi, you are doing well:j . Have you got a local LETS scheme, http://www.letslinkuk.net/ I find mine great for passing on things that I dont sell on ebay we are lucky enough to have a good one, yesterday I spent a lovely afternoon in somones beautiful garden having strawberries and cream meeting new people and came home with tomato plants for the garden and it cost no real money just the lets. Make sure you take care of yourself, don't exhaust yourself because thats when things go wrong, your health is the most important thing;)

Indebt1984

EGG CARD 3500
EGG CARD 2 1350
BARCLEY CARD 1 2400
BARCLEY CARD 2 1055 NOW 968
MINT 500
THOMAS COOK 1300
LOAN 5000
LOAN 11000
EVANS 450
BURTON 350
CATUELOG 250

CAT 350 NOW 188
SOFA 700

Welll have payed money of the barcelycard 2 and cat 2 making the barcelycard under a £1000 now wooo hoooo!!!!

Catuelog 2 Was £350 and now is £188. Going to get that one payy off first and hopefully in the next 6 weeks. Fingers cross

Myself i am feeling tired and really sleepy. Work yesterday and today Only work 2-6pm Then 2 days off. Looking forward to that. Hubby bootsale on sunday if the weather is nice. Got a few more bills going out over the next few days, Like a £70.75 phone bill. Sister borrow while she was away. but she payed for it. Got my Evans coming out too. Which hopefully be coming down a £10 or so.

Update with ebay sales and hope much i am putting toward the debts i will do tonight.

Take care x x

count_rostov

Hi Indebt, I'm sorry to hear about your situation. You sound very organised and motivated though. My mother also has breast cancer and she's on incapacity benefit. She's a little embarrassed about being 'on the sick' but that's what you pay taxes for when you're well. Did you claim this when you were off work? If not, I have no idea whether it can be claimed retrospectively. Would you be able to claim anything now, maybe income support?
Anyway, well done on getting the second barcaycard into three figures, must feel great!

Indebt1984

Hi Indebt, I'm sorry to hear about your situation. You sound very organised and motivated though. My mother also has breast cancer and she's on incapacity benefit. She's a little embarrassed about being 'on the sick' but that's what you pay taxes for when you're well. Did you claim this when you were off work? If not, I have no idea whether it can be claimed retrospectively. Would you be able to claim anything now, maybe income support?
Anyway, well done on getting the second barcaycard into three figures, must feel great

Hiya I didnt claim anything due to work was still paying me 75% of my wage for 6 months then 50% time after for up to 2 years.

So i was lucky they did that

Indebt1984

Morning,

My first low day in ages!!!! Feeling so down. Need some food in and only got £15.00 in the bank account to get some shopping to last till next week. All the bills are payed till 2 july. Going to make a list of stuff we really really need. Hubby worry bout me last night cos i been so quite, but i just really tired and been going to bed at 9pm!!! Been getting up at 7am good 10hrs sleep and i feel bright for the day.

Jobs to do are washing ebay and shopping today.

Debt front nothing as change i got to do some posting and then take money out of paypal then i know where we are for pay more debts off.

Jacks_xxx

:wave: Hello lovely,

I think it's definitely worth you speaking to CCCS for some free unbiased advice

If you started a DMP with them a lot of the interest would be frozen and you'd be able to pay it off quicker.

Here's their contact details:

http://www.cccs.co.uk/contact/contact.aspx

Love Jacks xxx

Indebt1984

:wave: Hello lovely,

I think it's definitely worth you speaking to CCCS for some free unbiased advice

If you started a DMP with them a lot of the interest would be frozen and you'd be able to pay it off quicker.

Here's their contact details:

http://www.cccs.co.uk/contact/contact.aspx

Love Jacks xxx

Thank you

I think i will have a word with them, Hubby not to sure, he dont like people know our debts and i am bit of the same. I feel like everyone is looking down on us. I know we done wrong and we never do it again and we gonna pay it off.

Shopping went well and happy with the bargains i got Had homemade pizza for dinner and done a meal planner till next friday and only spent £14.95!!!! woo hooo

I must post them ebay items tomorrow so i know how much money we got. Hubby get pay on monday and i got a budget in plan and we gonna be fine next month. extra £50 if i have done it right.

AIM is to pay off the 188 catuelog bill in 6-8 weeks and close the account.

Feeling on a high at the moment now. This morning i felt down and a bit lonely,

Starting my diet after i eaten all the fatty foods in the house, dont like to waste food!!!! lol


Thank you for all ur support!!! ((((hugs))))

Jacks_xxx

Indebt1984 wrote: »

Thank you

I think i will have a word with them, Hubby not to sure, he dont like people know our debts and i am bit of the same. I feel like everyone is looking down on us. I know we done wrong and we never do it again and we gonna pay it off.

My hubby was the same honey - heck *I* felt like that too, but better that you let one person who can really help you know all about it than all your neighbours know because you've got bailiffs banging down the door. ( That's a joke - I don't mean to be scary I promise.:o )

Call CCCS honey. Honestly you won't regret it, and they can really help you.

We didn't end up doing what they suggested in the end, but it was massively helpful to have someone explaining all our options to us, and I asked loads (and loads) of questions. There aren't many places that you can get free accurate advice like that.

(Payplan, National Debtline and the CAB are some more good places to look for help, but I tend to recommend CCCS cos my experience with the CAB has been patchy and I have no experience of the others.)

Love Jacks xxx