Its amazing how much better i feel about my debt situation these days :) I have found the £10 per day challenge especially beneficial because each month i have been able to focus on paying off a particular debt.


So far i have managed to pay off 3 of my debts completely and because of this i am now paying a higher amount off the remaining debts.  It feels brilliant to have made this progress even though its just been the smallest debts that i have paid off.


My new payment plan is as follows:


First Trust - £5.49     Balance  £1664.51


Egg Card - £5.00      Balance  £1549.03


Barclays Finance - £9.01    Balance £1733.99


MBNA - £7.55     Balance £3243.29


Barclaycard - £5.00     Balance £1584.00


MBNA 2 - £5.00     Balance £1548.23


Egg 2 - £5.00     Balance £1879.12


MBNA 3 - £8.57     Balance £3691.07


Barclays - £9.38     Balance £2415.62


My overall balance on my DMP is then £19,308.86.


When i started my DMP in October 2010 i owed £20,148.86.  This amount did not include 3 of my debts which were added to my plan later.  It is still a scary amount i have to say, however at least it is going in the right direction :)


My estimated debt free date at the minute is 27th August 2038

I have been plugging away at my debts this week even though i haven't been blogging all week.  I have paid another £20 off my rates bill, brought my TV licence payments up to date and managed to pay a lovely big £640 off my Avon account this week :) 


I really want to get on top of my Avon account asap because i want to try and start getting my books out to customers again - Christmas is just around the corner really and now is the time to get working with it again if i can! 

I am sooooooo happy and pleased with myself today - i have just cleared 3 debts in 1 swoop! Ok so it was the smallest ones but still it does feel good to have less accounts with money owing on them now :) 


I am also now at almost £2,000 paid off my debts since 1st August all thanks to this blog, the £10 per month challenge and the taking 10 positive steps a day towards getting my finances sorted out challenge! It really is amazing what i can do when i focus on it :)

Isn't it funny how quickly the time passes? i can't believe its a whole week since i posted on here!


It's been a bit of a strange week for me i have to say - i think i have missed doing the car boot sales - its been really pants weather and so i've been unable to go.  I also hurt my leg on Friday so in some ways its been a good thing - i needed to rest it anyway! 


Without the car boot sales my earnings have been somewhat slow :(  but i have been looking at alternatives and have even been selling more on ebay again.  


I really wish it was easier to work out the actual earnings on there - its such a pain having to do all the maths! 


So, let me see, i have sold a few things: £2.49 + £7.00 + £1.99 + £7.00 + £10.00 + £6.50 = £34.98


Ebay listing Fees: 15p + 40p = 55p
Ebay final fees: 80p + 40p + 50p + 10p + 55p + 10p = £2.45


Paypal fees are: 28p + 44p + 27p + 44p + 54p + 42p = £2.39


Postage costs so far are: £2.16 + £1.96 + £1.09 + 75p = £5.96


£34.98 - 55p - £2.45 - 2.39 - £5.96 = £23.63


But i have 2 more items to post yet! So i won't know my final figure until i do that today.


Yesterday i also found 6p on the ground in the car park LOL!

10 things a day challenge - Tuesday 6th Sept

Good Morning Bloggy Blog! I have been up and at it....earning i mean from quite early this morning.


So Far i have completed:


1.  Listed 5 more items on ebay :)


2.  Visited the spud shillings site and got my total earned up to 690!


3.  Used search lotto and have 11 more searches to do now to get my free lotto ticket.


4.  

Nice letter in the post today

Sometimes it feels like the only thing that comes through the post is bills, especially cos of my debts.  Today though i got a letter saying £305.56 has been taken off my rates bill :) I also have the option to appeal the decision to not backdate the payments which i think i will do as well.  In the meantime i can reduce the balance at least!


I also got a few more payments through (avon delivery, survey payment, ptc arrangement) making a total of £541.93 so far raised this month :) 


I am astounded that i have more than met my target of £465 for this month in the space of 5 days - can i beat last months total now i wonder?? lol

10 things a day challenge - Monday 5th Sept

Ok, so its been 3 days since i did an update on my 10 things a day challenge.......lol. It seems i really can't fit 10 things in over the weekends cos thats car boot time - i am going to try and do 10 things today though if i can, but it is 8pm now so we will see what i can fit in :) 


I have managed to do the following things today:


1.  Completed the daily earners on swagbucks - i now have 1518 points and enough to cash in for $10 but i'm saving for the $50 reward this time.  Or i might go for the amazon vouchers, not sure yet.


2.  Played a few games on Woohoo - i'm now up to 107 gold stars so still quite a bit to go on there to get to cash out.


3.  I delivered an avon order, got the payment and a new order from that customer.


4.  I got some more jewellery to sell at the car boot sales


5.  I completed 2 small surveys on onepoll - i am now up to £7.10 soooo lots more to go on this site to cash out.


6. I completed some daily earners on onepoll cashback and am now up to £17.26 on this site - edging closer on here but still a bit to get to the £25 payment.


7.  I have sorted out some more items to put onto ebay tomorrow


8.  I have clicked on all my paid emails


9.  I have viewed the paid videos on maximiles and now have 495 points on this site.


10.  I have written letters to my credit card companies asking for the charges to be refunded.


So, there we go - 10 things done today! :) 






5.  

10 things a day challenge - Friday 2nd Sept

Think i will give this challenge another wee go and see how i get on this time.  


Today so far i have managed to do the following:


1.  played some bingo on woohoo and won some more stars :)


2.  swagbucks earners: daily poll, search x 1, invite and earn, NOSO, checked survey page, tried to do a survey but didn't qualify for it, and my favourite played zip zap for a wee while :)


3.  listed 9 things on ebay - actually relisted them but it still counts lol


4.  got a new referral on swagbucks - up to 12 now :)


5. did daily earners on one poll cashback


6. delivered an avon order


7. went for a walk and looked for abandoned pennies while i was out, but didn't find any :( never mind at least i tried something else hehehehe


8. talked to a friend about a new earning option - not sure if its for me right now, but its in the possibly in the future box


9.  made a payment off my rates bill - just £5 but its another wee acheivement :)


10. clicked on cash paying emails - donkeymails, maximail, unique rewards & buxjunction


Hurrah - thats 10 things done for today!!!! Now all i have to do is try and keep it up all week LOL

September Challenge

After the wonderful success of the august £10 per day challenge i am now aiming for £15 per day for September!!!!


I was going to do £10 per day again but i have had such a good start to the month i thought i'd increase it! 


Ok so yesterday, 1st Sept i got a lovely £10 voucher through the post from maximiles and thanks to MSE website i discovered i had £37 of tesco vouchers that i hadn't used. I also just managed to get £30 worth of them exchanged into £60 vouchers for groceries hehehehehehehe!!!!!! 


I also did actually do some work yesterday to earn a few quidsola and squeezed in 2 carboot sales giving me another £45.50! 


By my calculations that makes a wonderful £115.50 in the pot for the September challenge on the first day!!!!


Just to keep the ball rolling and the dosheroo rolling in i got the shop and scan equipment through the post today.  Oh and a lovely shiny wee 2p from junkmail - it was one of them send us ur gold sites saying we can send you lots of money for your gold - here is 2p to get you started - 2p into money box, letter into junk box LOL! 


All is good in dragon slaying world today ;)