One of the things i am finding difficult about working on my debts is knowing where i am with them. Everytime i think about how i am getting on i have to get out the various bits of paper, receipts and bank statements to do some calculations.
Yesterday i had the brilliant idea of starting a spreadsheet to keep track of my earnings from online sources and today i am thinking one for my debts would be a good idea as well.
I do have a bit of a tendency to start these things and not keep on top of them but i think it is worth a try - consider it almost like a business where everything needs to be recorded accurately. If i can just get into the habit of updating these each time i make a payment (and an earning for the other one) then it would let me know exactly where i am with things :)
So thats the plan for today now - spreadsheet city here i come LOL!
Thursday, 16 February 2012
Friday, 3 February 2012
Mortgage arrears lower than i thought :)
Just been on the phone to the lovely people about my mortgage payments to see if i could get a monthly statement or anything to help keep me on track with it. They were so nice about it all and explained where i am with it and how to get back on top of it again :)
Ok i actually owe £381.06 as of today, so thats a good bit lower than i had thought - great news :) and when my HB payment comes off in the middle of the month (about the 12th its due) i will owe £195.02. For this month then i can use this figure to work on and any more payments i make will be reducing this even more!
Once i get the arrears sorted out I will need to try and get into a credit situation so i am paying my installments before my mortgage payment is due - i didn't know that before talking to them today - though it does make sense!
So thats good, i now have a clear idea of what i need to do to get my account back into order with them, just need to keep working on it now!
Ok i actually owe £381.06 as of today, so thats a good bit lower than i had thought - great news :) and when my HB payment comes off in the middle of the month (about the 12th its due) i will owe £195.02. For this month then i can use this figure to work on and any more payments i make will be reducing this even more!
Once i get the arrears sorted out I will need to try and get into a credit situation so i am paying my installments before my mortgage payment is due - i didn't know that before talking to them today - though it does make sense!
So thats good, i now have a clear idea of what i need to do to get my account back into order with them, just need to keep working on it now!
Thursday, 2 February 2012
Mortgage & Avon Updates
Well i managed to pay another £50 off my Avon account today - I am sooooooo pleased about this and the reason i was able to pay it this week is because i won £40 on a free game of online bingo :)
So Avon total is now £850 - its lovely to see if coming down!!
As for the Mortgage - my payment of £338.50 became due today so that needs adding on :( so that makes it now £567.10 hmmmmmm thats not so good.......BUT i have to remember that it started off as £714 odds when i did the calculation on 13th Jan. I also have a HB payment due soon as well so that will bring it back down again - i will have a better idea of where i am when that gets paid cos i know my arrears are definitely going down :)
Finish on a positive - I have now paid £627.14 off my debts since the beginning of the year - i KNOW this year is going to be a good one for getting this mess sorted out - I am really determined it will be :)
So Avon total is now £850 - its lovely to see if coming down!!
As for the Mortgage - my payment of £338.50 became due today so that needs adding on :( so that makes it now £567.10 hmmmmmm thats not so good.......BUT i have to remember that it started off as £714 odds when i did the calculation on 13th Jan. I also have a HB payment due soon as well so that will bring it back down again - i will have a better idea of where i am when that gets paid cos i know my arrears are definitely going down :)
Finish on a positive - I have now paid £627.14 off my debts since the beginning of the year - i KNOW this year is going to be a good one for getting this mess sorted out - I am really determined it will be :)
Wednesday, 1 February 2012
An extra payment this week!
I managed to make some more payments today - i am really trying to get into a regular routine now and it seems to be working so far :)
Today I paid £100 off my mortgage, £20 off my rates, & FT overdraft £3.
Calculations then are:
Mortgage: my arrears were £328.60 at the last count so now at £228.60 :)
Rates - I was sitting at £242.55 on this one - £20 off it today makes it now £222.55.
I also decided to start and make a small payment off my FT overdraft each week if i can so i paid £3 off it today - i got a statement in for this account this morning so my current balance is £1639.90. I figure if i try to make a small weekly payment off this account it will really make a difference!
Avon bill - i haven't paid anything off this yet this week but plan to later on - i just need to check my income for this month and see where i stand with that.
I got a letter in about a review of my DMP being due so i will have to get myself organised for that. Thats going to take a bit of sorting out - i need to check all the balances and my budget and income - scary!! but has to be done!
Total payments made so far this year then is £577.14 :) can't believe its over £500 already and its just 1st Feb!
Wednesday, 25 January 2012
Payment day Today!
I have been trying to get a few payments sorted out all week this week and finally managed to get some done today.
I paid £100 off my mortgage, £20 off my rates, TV licence £3, and £50 off Avon bill.
Calculations then are:
Mortgage: my arrears were £428.60 at the last count so now at £328.60.
TV Licence - i was due to pay £3 on Monday and i did make this today so i am now back up to date with this one :)
Rates - I was sitting at £262.55 on this one - £20 off it now so £242.55.
Avon bill - i have just paid £50 off this account leaving a balance of £900
Total payments made so far this year then is £454.14 :)
Friday, 13 January 2012
Trying to catch Up
After seeing just how out of control my debts have got again I have been trying to get myself back into the debt slaying frame of mind. To help me with this i have joined another challenge on moneysavingexpert - its basically a pay off challenge and i have given myself a target of £5000 overall - hopefully i will manage to pay off more than this over the course of the year but i thought it would be a good target to aim for to start with anyway :)
So far this year i have paid off £170 - £100 off mortgage, £10 off rates and £60 to cccs so thats a good start i think :) but i want to try and make a payment off something today as well.
The one bill that has been confusing me the most is my mortgage payment - i just find it difficult to remember and monitor my payments and what is due etc.
I got a letter dated 16th December saying i was £376.14 in arrears with my payments. Payment becomes due on 2nd of the month so that takes it to £714.64. I made a payment of £100 on 9th Jan = £614.64 & HB payment was due yesterday which should be £186.04 = £428.60 so my arrears at the minute are £428.60 as far as i can figure out.
I want to try and make a regular payment again every Monday off my Mortgage, my TV license, my Rates and maybe one more if i can manage it.
TV Licence - According to my schedule i owe £33 to catch up with this payment. I have just paid £30 for this bill and i can pay the other £3 on Monday and i will be back up to date.
Rates - The last details i have on the rates payment i owe is £272.55 and i paid £10 off this on 9th so thats £262.55 now on this one if my other figure is right.
I have also just made the payment for my ground rent which is £17.50.
Final payment for today then - i have just paid £63.64 off the Avon account leaving a balance of £950
So thats a good bit of catching up done for today and total payments made so far this year is £281.14
So far this year i have paid off £170 - £100 off mortgage, £10 off rates and £60 to cccs so thats a good start i think :) but i want to try and make a payment off something today as well.
The one bill that has been confusing me the most is my mortgage payment - i just find it difficult to remember and monitor my payments and what is due etc.
I got a letter dated 16th December saying i was £376.14 in arrears with my payments. Payment becomes due on 2nd of the month so that takes it to £714.64. I made a payment of £100 on 9th Jan = £614.64 & HB payment was due yesterday which should be £186.04 = £428.60 so my arrears at the minute are £428.60 as far as i can figure out.
I want to try and make a regular payment again every Monday off my Mortgage, my TV license, my Rates and maybe one more if i can manage it.
TV Licence - According to my schedule i owe £33 to catch up with this payment. I have just paid £30 for this bill and i can pay the other £3 on Monday and i will be back up to date.
Rates - The last details i have on the rates payment i owe is £272.55 and i paid £10 off this on 9th so thats £262.55 now on this one if my other figure is right.
I have also just made the payment for my ground rent which is £17.50.
Final payment for today then - i have just paid £63.64 off the Avon account leaving a balance of £950
So thats a good bit of catching up done for today and total payments made so far this year is £281.14
Tuesday, 3 January 2012
The Debts Keep Coming In!
I really have to do some calculations to see where i am with my debts again cos at the minute it just feels like there are more being added to the list rather than getting them under control :(
Today i got a not so nice letter from the Tax office saying i owe them £369.40!! I don't know how thats possible so i will be ringing them tomorrow to find out - lets hope its a mistake!
What else do i have to add? To many unfortunately:
Am behind with my mortgage payments again - i need to pay £376.14 to get back up to date.
Avon - I owe them £1013.64 - have to contact them tomorrow as well to see if i can arrange a payment option with them and hopefully avoid more charges being added to that.
Ground Rent - I owe £17.50 to them - should be able to clear that one easy enough!
Gumtree - I owe them £60 for advertising i did ages ago :(
V - £1000 for money we raised and got taken out of my account to pay off an overdraft - I had been avoiding thinking about that one but it needs sorting out as well.
I think thats all the 'new' ones. I might as well add a total for all the others here too as i'm trying to start working on them all again. Am scared to look at them but i know i have to!
Here goes:
MBNA 1 - £3665.36
MBNA 2 - £3220.64
MBNA 3 - £1533.23
Barclays - £2387.48
Egg 1 - £1864.12
Egg 2 - £1534.03
Barclays Loan - £1706.96
First Trust OD £1648.39
Barclaycard - £1569.00
These all get paid via CCCS - Balance is £19128.86 + £2836.68 for above debts = £21965.54 :(
Thats pants! But at least i have a starting figure now and i will be able to see it coming down again!
Today i got a not so nice letter from the Tax office saying i owe them £369.40!! I don't know how thats possible so i will be ringing them tomorrow to find out - lets hope its a mistake!
What else do i have to add? To many unfortunately:
Am behind with my mortgage payments again - i need to pay £376.14 to get back up to date.
Avon - I owe them £1013.64 - have to contact them tomorrow as well to see if i can arrange a payment option with them and hopefully avoid more charges being added to that.
Ground Rent - I owe £17.50 to them - should be able to clear that one easy enough!
Gumtree - I owe them £60 for advertising i did ages ago :(
V - £1000 for money we raised and got taken out of my account to pay off an overdraft - I had been avoiding thinking about that one but it needs sorting out as well.
I think thats all the 'new' ones. I might as well add a total for all the others here too as i'm trying to start working on them all again. Am scared to look at them but i know i have to!
Here goes:
MBNA 1 - £3665.36
MBNA 2 - £3220.64
MBNA 3 - £1533.23
Barclays - £2387.48
Egg 1 - £1864.12
Egg 2 - £1534.03
Barclays Loan - £1706.96
First Trust OD £1648.39
Barclaycard - £1569.00
These all get paid via CCCS - Balance is £19128.86 + £2836.68 for above debts = £21965.54 :(
Thats pants! But at least i have a starting figure now and i will be able to see it coming down again!
Sunday, 1 January 2012
January 1st 2012
Its hard to believe it is a new year - its always rather symbolic of new beginnings and fresh starts! Yet most of us simply feel like its just another day and one where we come up with all sorts of plans and ideas just to forget them again in a week or two if they even last that long.
For me its a good day to start writing again - i always feel the need to have a 'proper' starting point and what better start can there be than the first day of a new year?
I haven't looked at my debts for a while - i've been distracted but want to get back into my habit of knowing where i am with them again and start to work on getting them sorted once again. I feel like i have slipped into bad habits again and so i will have to look afresh at my debt totals and choose the first one i want to work on again!
I have just started to post again on MSE which always seems to help me to focus and so far today i have been just starting the process of getting back into earning online again.
So far the accounts i have checked and worked on are:
Donkeymails - $0.7324
Swagbucks Charity Acount - 664
Unique Rewards - $8.58
Maximiles - 2585
For me its a good day to start writing again - i always feel the need to have a 'proper' starting point and what better start can there be than the first day of a new year?
I haven't looked at my debts for a while - i've been distracted but want to get back into my habit of knowing where i am with them again and start to work on getting them sorted once again. I feel like i have slipped into bad habits again and so i will have to look afresh at my debt totals and choose the first one i want to work on again!
I have just started to post again on MSE which always seems to help me to focus and so far today i have been just starting the process of getting back into earning online again.
So far the accounts i have checked and worked on are:
Donkeymails - $0.7324
Swagbucks Charity Acount - 664
Unique Rewards - $8.58
Maximiles - 2585
Tuesday, 27 September 2011
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
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
Saturday, 24 September 2011
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 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!
Friday, 16 September 2011
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 :)
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 :)
Wednesday, 14 September 2011
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!
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!
Tuesday, 6 September 2011
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.
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.
Monday, 5 September 2011
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
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.
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.
Friday, 2 September 2011
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
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 ;)
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 ;)
Wednesday, 31 August 2011
End of the August Challenge
I can't believe it is the end of August already! It seems like no time since i was wondering how on earth i was going to make an extra £310 over the month and here i am not quite believing that i more than doubled that figure!!!
But what is the final figure? i haven't added the last earnings on to my total yet:
Ebay - I made some silly mistakes with the postage costs of the items i sold underestimating the cost by £2.81 :( I managed to make a mistake with all of them because i didn't weigh the items - Lesson learned with that! At least i did still make a few pounds - balance increased by £4.34!
I did manage to do the 2 car boot sales on Saturday adding another £72.15 to my total, and despite the storm brewing on Sunday i did another one then too adding a further £105.50 :)
So........i feel like i need a drum roll.......the final amount for August is a huge and magnificent £839.22 - never in my wildest dreams did i think that was possible.
This challenge has completely changed my thoughts about dealing with my debts - it was this huge insurmountable mountain before i started this, looming over me - yes it was like a fire breathing dragon that burned me every time i went close to it. Now i feel like i have at least got a sword and shield to fight it with!!
Strangely i am looking forward to working on the debt dragon again next month ;)
But what is the final figure? i haven't added the last earnings on to my total yet:
Ebay - I made some silly mistakes with the postage costs of the items i sold underestimating the cost by £2.81 :( I managed to make a mistake with all of them because i didn't weigh the items - Lesson learned with that! At least i did still make a few pounds - balance increased by £4.34!
I did manage to do the 2 car boot sales on Saturday adding another £72.15 to my total, and despite the storm brewing on Sunday i did another one then too adding a further £105.50 :)
So........i feel like i need a drum roll.......the final amount for August is a huge and magnificent £839.22 - never in my wildest dreams did i think that was possible.
This challenge has completely changed my thoughts about dealing with my debts - it was this huge insurmountable mountain before i started this, looming over me - yes it was like a fire breathing dragon that burned me every time i went close to it. Now i feel like i have at least got a sword and shield to fight it with!!
Strangely i am looking forward to working on the debt dragon again next month ;)
Friday, 26 August 2011
Happy Friday :)
Well now, after ducking out of the second car boot yesterday cos of the rain and being a bit disappointed about that I got some good news in the post this morning - I have been awarded HB for my rates bill!!! :) they are not backdating it but at least this will reduce my rates bill as it includes this years rates costs or something odd like that. Anyway although they said i wouldn't get the back payment i am going to appeal the decision and see if i can change their minds :)
I will have to wait for a new rates bill to come in to update my balance on this debt, but i am pretty happy knowing its going to be reduced without me having to pay it all!
In addition i used a voucher and cashback offer on quidco for money off a tescos shop which meant i got a £50 shop for £25 today!
I did a wee whip round the house looking for change too and came up with an extra 89p for the money pot :)
aaannnnnndddd i sold some bits on ebay too today! I am just too tired to work out the profits from these right now though so will update my balance tomorrow!!
2 car boots planned for tomorrow so i'm away for a relax now in preparation hehehehe!
I will have to wait for a new rates bill to come in to update my balance on this debt, but i am pretty happy knowing its going to be reduced without me having to pay it all!
In addition i used a voucher and cashback offer on quidco for money off a tescos shop which meant i got a £50 shop for £25 today!
I did a wee whip round the house looking for change too and came up with an extra 89p for the money pot :)
aaannnnnndddd i sold some bits on ebay too today! I am just too tired to work out the profits from these right now though so will update my balance tomorrow!!
2 car boots planned for tomorrow so i'm away for a relax now in preparation hehehehe!
Thursday, 25 August 2011
Final push for the last week in Aug!
Ok so for my final push for dosheroo this month i am actually doing not 1 but 2 car boots today - just finished one and even though it rained quite a bit i came home with £38! The next one starts about 3 so hopefully the rain will be away by then! LOL
I also have a few listings on ebay finishing tomorrow and with any luck another 2 car boot sales over the weekend - whew!!!!!! bootied out this month hahahahahaha! been sooooooo worth it though
and my garage has actually got a floor again 
I will add a wee update later on if i actually get to the car boot - go away rain you are spoiling my earning plans!!!!! lol
I also have a few listings on ebay finishing tomorrow and with any luck another 2 car boot sales over the weekend - whew!!!!!! bootied out this month hahahahahaha! been sooooooo worth it though
and my garage has actually got a floor again I will add a wee update later on if i actually get to the car boot - go away rain you are spoiling my earning plans!!!!! lol
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