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  • FIRST POST
    • Emzilla
    • By Emzilla 3rd Oct 17, 10:42 AM
    • 3,320Posts
    • 12,370Thanks
    Emzilla
    My name's Emz and I'm rubbish at diaries!
    • #1
    • 3rd Oct 17, 10:42 AM
    My name's Emz and I'm rubbish at diaries! 3rd Oct 17 at 10:42 AM
    Hi everyone

    I'm not going to write some long, convoluted post about why I'm rubbish at diaries and keep on checking out of DFW land for ages at a time.

    Bottom line: It needs to stop and it needs to stop today. I can't go on like this and must get something done.

    So with that in mind, I'm again tackling my electric arrears, which need to be gone ASAP. Ideally by the end of the year, but I'm not sure how realistic that is. I can but try though.

    The balance is currently 1,592.44. There are 90 days left of this year (), so that means clearing just under 18 a day, plus the additional charges that will be added in that time.

    So, simple plan to do this - get as much extra money coming in as possible (including vouchers to help pay for Christmas) and stop as much money going out as possible.

    I'll try my best to come on here each day and list the positive steps I've taken towards this goal.

    Emz xx
Page 3
    • Emzilla
    • By Emzilla 7th Dec 17, 9:30 AM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    Just catching up, how awful about your 'friend'. People are strange. I hope you get the written evidence that you've paid.

    Well done on the Christmas shopping!
    Originally posted by jwil
    Thanks Jwil

    Emz xx
    • Emzilla
    • By Emzilla 7th Dec 17, 10:01 AM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    Fragrance gift set purchased. Cheeky Boots have reduced anything costing 50 to 49 so that the extra points don't kick in. So I had to get a pack of towels to bump it up to the 50. I've now got 13.29 worth of points.

    Tomorrow is payday, so I'm planning a big Amazon order that will knock 5 presents off my list!!

    Emz xx
    • Scott_Weiland
    • By Scott_Weiland 7th Dec 17, 10:07 AM
    • 799 Posts
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    Scott_Weiland
    Try ebay or argos for the 5 presents i bet there cheaper than the tax dodgers sorry i mean amazon lol x
    Cashback Earnings YTD 46.04 Survey Earnings YTD 182.66
    "Always always train, be the best version of you that you can physically be"
    • Emzilla
    • By Emzilla 7th Dec 17, 1:06 PM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    Try ebay or argos for the 5 presents i bet there cheaper than the tax dodgers sorry i mean amazon lol x
    Originally posted by Scott_Weiland
    Thanks for that. I was just going to get them all from Amazon, but a quick search on Google came up with a website doing a PS4 game for 10 cheaper than Amazon. All the other stuff isn't cheaper though, but you've saved me a tenner!!

    Emz xx
    • badmemory
    • By badmemory 7th Dec 17, 3:54 PM
    • 1,612 Posts
    • 2,117 Thanks
    badmemory
    Any chance you can pay HER say 100 before the due date, saying you had it then so paying her then while you had it & to expect balance when due & then see if she will confirm receipt of that? 400 is a lot to post through someones door especially when that someone is being an A S S.
    • enthusiasticsaver
    • By enthusiasticsaver 7th Dec 17, 4:11 PM
    • 6,385 Posts
    • 13,113 Thanks
    enthusiasticsaver
    Just read your diary and would strongly urge you to either bank transfer or knock on the door to hand over the cash however awkward it may be to your ex friend and get a receipt for it each month if she insists on cash. It also seems a bit strange that she says first there is no rush to pay you back and then obviously has second thoughts.

    Borrowing money from friends usually ends in disaster sadly. Is it only electricity arrears you owe or do you have other debts?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Emzilla
    • By Emzilla 7th Dec 17, 4:22 PM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    Any chance you can pay HER say 100 before the due date, saying you had it then so paying her then while you had it & to expect balance when due & then see if she will confirm receipt of that? 400 is a lot to post through someones door especially when that someone is being an A S S.
    Originally posted by badmemory
    Hi

    Yeah, I did consider that. To be honest though, I'm not really looking forward to going there in the first place. I don't know if she'll be there and if she'll come out and have a go at me or make a scene.

    I want to limit contact as much as possible until the debt has been paid and I never have to see or hear from her again.

    Emz xx
    • Emzilla
    • By Emzilla 7th Dec 17, 4:34 PM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    Just read your diary and would strongly urge you to either bank transfer or knock on the door to hand over the cash however awkward it may be to your ex friend and get a receipt for it each month if she insists on cash. It also seems a bit strange that she says first there is no rush to pay you back and then obviously has second thoughts.

    Borrowing money from friends usually ends in disaster sadly. Is it only electricity arrears you owe or do you have other debts?
    Originally posted by enthusiasticsaver
    I know you're right, I just really don't want to see her. I'm going to put the first lot through the door and see what happens. I can't see her not acknowledging it, but if she doesn't, I'll then confront her.

    I have got other debts, but they're not priority ones.

    Emz xx
    • Scott_Weiland
    • By Scott_Weiland 7th Dec 17, 7:00 PM
    • 799 Posts
    • 2,014 Thanks
    Scott_Weiland
    Thanks for that. I was just going to get them all from Amazon, but a quick search on Google came up with a website doing a PS4 game for 10 cheaper than Amazon. All the other stuff isn't cheaper though, but you've saved me a tenner!!

    Emz xx
    Originally posted by Emzilla
    i am not a fan of amazon can you tell lol Its mainly that amazon aint on top cashback


    Theres are always cheaper alternatives out there and cheaper alternatives that dont charge so much for postage.
    Cashback Earnings YTD 46.04 Survey Earnings YTD 182.66
    "Always always train, be the best version of you that you can physically be"
    • Emzilla
    • By Emzilla 9th Dec 17, 7:23 AM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    Felt a bit rubbish yesterday. Stomach issues and I feel like a cold is starting to emerge. I still managed to do my 2-8 shift though. I've got the weekend off and am back Monday, so will try and take it easy.

    I'm very impressed with the website I ordered the PS4 game from (shopto.net). I ordered it Thursday lunchtime and received it yesterday!! Very good service and the postage was free.

    I placed my Amazon order yesterday and today's plan is to look for an item of clothing for my sister. I'm nearly done with my shopping now . I've got to get a few bits from M&S for my mum, but I redeemed for a 5 voucher from Swagbucks yesterday, which will help. I might see if I can get another during the week as they come through quite quickly, I can then get the stuff when OH gets paid.

    We're going out for a meal with some friends tonight, which I could do without if I'm honest, but it will be nice to have a meal out.

    Emz xx
    • Buffythedebtslayer
    • By Buffythedebtslayer 9th Dec 17, 5:47 PM
    • 15,163 Posts
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    Buffythedebtslayer
    Emz, am so so so sorry about your friend, money is such an awful thing. One of my friends lent another friend about 5000 and she paid it back but oh boy the friend did not let her forget about.

    I am going out tonight, and I don't want to either! Got a stunning headache and feel dreadful but this friend holds grudges cos I get "ill" so much. I mean with migraines but she doesn't really know what one is like. Very annoying.

    Obviously I second everyone's point re paying this weirdo in cash. But like you say, it is a bit difficult to do anything else. Really hope she writes back to say she received the money - the exact amount you put in the envelope.

    I wouldn't have the balls to make that sort of demand.

    Hope you enjoy your evening out XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 9th Dec 17, 6:47 PM
    • 53,979 Posts
    • 213,896 Thanks
    beanielou
    Enjoy your evening Emz & you Buffy.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Emzilla
    • By Emzilla 10th Dec 17, 1:02 PM
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    • 12,370 Thanks
    Emzilla
    Hope you had a good evening Buffy - and thanks Lou

    Well it was an expensive evening. We went for the meal and met up with some other friends for drinks after - 85 spent . Could have done without that expense.

    Anyway, I managed to find a skirt for my sister. It was 24, but there was 30% off, so I got it for 16.80.

    I'm very nearly done now. I haven't got anything more to order online, so the rest of it can wait for OH's payday this Friday.

    Emz xx
    • Emzilla
    • By Emzilla 15th Dec 17, 12:15 PM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    Sorry I've been MIA for the past few days. The in-laws have been and gone, and it's going crazy crazy crazy at work.

    Anyway, today was D-Day in regards to the first payment to my "friend". I sent her a polite email this morning to say I was going to be putting the money through her door between 11 and 12 (IN CASH), how much it was and how much that left remaining. I then asked her to reply to the email to confirm she's received it as soon as she could.

    I put the money through and within 10 minutes, she sent a reply just saying 'thank you'. Do we think that's enough proof that she's got the money?

    Emz xx
    • triple choc chip
    • By triple choc chip 15th Dec 17, 12:52 PM
    • 856 Posts
    • 2,944 Thanks
    triple choc chip
    For me, no.
    You would be assuming she is saying "Thank you for the money" when she may be saying "Thank you for your email informing me of your intentions".
    I would reply something to the effect of:
    "As requested, would you confirm you are in receipt of the money by confirming the amount. Until I receive this I will not deliver further instalments".
    Life's greatest satisfactions: Getting the last laugh, having the last word and paying the last instalment.
    Debt Free since 6.8.13
    New home 12 6 rooms to decorate/re-furbish
    Saving for Xmas 2018 #3: 222/600 37%
    Emergency fund 1.1k
    • natsplatnat
    • By natsplatnat 15th Dec 17, 1:00 PM
    • 2,795 Posts
    • 2,478 Thanks
    natsplatnat
    For me, no.
    You would be assuming she is saying "Thank you for the money" when she may be saying "Thank you for your email informing me of your intentions".
    I would reply something to the effect of:
    "As requested, would you confirm you are in receipt of the money by confirming the amount. Until I receive this I will not deliver further instalments".
    Originally posted by triple choc chip

    I agree completely! A simple "Thank you" is too vague by far for my liking!!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending 175.35, paid ??*
    (2011=137.30, 12=66.39, 13=102.61, 14=214.97, 15=159.51 16=213.05) 17= to be calculated
    Pro.Ac 23.81 + 126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN 0.00 (528.56 paid off)

    • Emzilla
    • By Emzilla 15th Dec 17, 1:11 PM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    For me, no.
    You would be assuming she is saying "Thank you for the money" when she may be saying "Thank you for your email informing me of your intentions".
    I would reply something to the effect of:
    "As requested, would you confirm you are in receipt of the money by confirming the amount. Until I receive this I will not deliver further instalments".
    Originally posted by triple choc chip
    I thought that too, so I sent a reply just saying sorry to be a pain, but if she could just confirm that she's received the 370 just so I've got a written record of it.

    I then got a very formal reply confirming receipt, the amount received and the balance still outstanding.

    Oh well, at least I've got the proof I need now.

    Emz xx
    • triple choc chip
    • By triple choc chip 15th Dec 17, 6:23 PM
    • 856 Posts
    • 2,944 Thanks
    triple choc chip
    I thought that too, so I sent a reply just saying sorry to be a pain, but if she could just confirm that she's received the 370 just so I've got a written record of it.

    I then got a very formal reply confirming receipt, the amount received and the balance still outstanding.

    Oh well, at least I've got the proof I need now.

    Emz xx
    Originally posted by Emzilla
    Well done! Formal's good, that's a shedload of money you repaid. She's rankled because you've taken control and now doing this on your terms but so what? She's getting what she wanted and you've ditched her friendship, win win.
    Life's greatest satisfactions: Getting the last laugh, having the last word and paying the last instalment.
    Debt Free since 6.8.13
    New home 12 6 rooms to decorate/re-furbish
    Saving for Xmas 2018 #3: 222/600 37%
    Emergency fund 1.1k
    • Buffythedebtslayer
    • By Buffythedebtslayer 15th Dec 17, 9:35 PM
    • 15,163 Posts
    • 49,909 Thanks
    Buffythedebtslayer
    Good. soon she can f**K off out of your life. Still can't believe it.

    What a cow!!!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Emzilla
    • By Emzilla 31st Dec 17, 9:25 PM
    • 3,320 Posts
    • 12,370 Thanks
    Emzilla
    Hey everyone

    I hope you all had a great Christmas and are having a Happy New Year.

    To mark the start of 2018, I've started yet another new diary (I know, I know).

    Here it is: http://forums.moneysavingexpert.com/showthread.php?p=73640716#post73640716

    Would love to see you over there - it's a positive place!!

    Emz xx
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