Well now i guess the title of this post says it all really - i made my first payment off my mortgage arrears since starting my £10 per day challenge!
I paid £78 off it yesterday :) - this may seem like a strange amount considering my additional earnings so far, but basically its the £50 i have been trying to pay off it as well as the £28 i had gathered up in coins out of my money box!
It feels good to have made a payment, especially one that is higher than the amount i had been trying to pay off it each month :) It also feels great to know i am also planning to make more payments off it before the end of the month too ;)
I know this one debt is just a drop in the ocean really but you know what? it just feels like i am taking control of it finally. I think i have done the right thing as well to just pick one debt to focus on at first (i should say i am still making minimal payments off the other debts i have too, i'm not just ignoring them cos that would be pointless and not productive at all.)
I can't wait to get this one debt paid off :) though for now i am happy to see it going in the right direction!
New balance for now then is £323.84, but watch out balance....i'm in slaying form :)
Thursday, 11 August 2011
Sunday, 7 August 2011
Yet another Car boot Sale!
I am just home from my Sunday car boot sale, my legs are tired but my money bag is nicely plump :) and i am now £93.40 richer than i was this morning as a result - how fab is that???? LOL
After having a great day at the car boot sale i also called in to see my Dad who gave me a cheque for £100 as an unexpected pressie - Thanks Dad ;)
Oh and not to forget the 13p roadkill i found today as well hehehehe.
Well now thats what a call a really good day and i can't believe i have got a huge chunk of my mortgage arrears covered already :)
As i did so well today i am going to aim for the whole amount of my arrears instead of the £310 target i had set myself, so my progress is now £258.22/£401.84 - i am soooooooo pleased with myself for getting so far with it - i love this £10 per day challenge ;)
After having a great day at the car boot sale i also called in to see my Dad who gave me a cheque for £100 as an unexpected pressie - Thanks Dad ;)
Oh and not to forget the 13p roadkill i found today as well hehehehe.
Well now thats what a call a really good day and i can't believe i have got a huge chunk of my mortgage arrears covered already :)
As i did so well today i am going to aim for the whole amount of my arrears instead of the £310 target i had set myself, so my progress is now £258.22/£401.84 - i am soooooooo pleased with myself for getting so far with it - i love this £10 per day challenge ;)
Saturday, 6 August 2011
£10 per day challenge update
Well i wasn't sure i would make it to the car boot sale today - the forecast wasn't too good! It was dry when i got up so i decided to risk it :) It was kinda quiet to be honest but i managed to get rid of some more bits and bobs and made a profit of £23.85!
I have also just counted up all the wee odds of money i have about the place - money box, paypal account etc and including the car boot money i now have a total of £64.69 to pay off my mortgage arrears! It amazes me how all the wee odds of cash can add up!
At least i now have a total figure for all of it too.
Ok so thats my progress so far: £64.69/£310 - as its the 6th August today that means i am actually over my target of making £10 per day - it feels pretty good i must say!
Right then another car boot planned for tomorrow - the Sunday one is usually my big day so will be interesting to see how it goes this week - please stay away tomorrow rain LOL!
I have also just counted up all the wee odds of money i have about the place - money box, paypal account etc and including the car boot money i now have a total of £64.69 to pay off my mortgage arrears! It amazes me how all the wee odds of cash can add up!
At least i now have a total figure for all of it too.
Ok so thats my progress so far: £64.69/£310 - as its the 6th August today that means i am actually over my target of making £10 per day - it feels pretty good i must say!
Right then another car boot planned for tomorrow - the Sunday one is usually my big day so will be interesting to see how it goes this week - please stay away tomorrow rain LOL!
Friday, 5 August 2011
Am i paying more than i need to?
If you have been following my blog so far you will know that i am currently trying to raise some money to pay off my rates arrears. Interestingly i have found out that i may be entitled to claim for help with my rates due to the fact i am in receipt of income related ESA.
I always thought that anyone who owned their own house with a mortgage rather than renting it was not entitled to any help. Now i have found out that i can apply to the Land and Property Services Department for help with my rates - perhaps i am trying to pay a debt that i don't actually owe. That would certainly be a turn up for the books :)
I have completed the form today to apply for this help, hopefully i won't have to wait too long for a response.
Now that i am applying for my rates bill to be paid i am considering using any money i earn this month on my £10 per day challenge to pay off my mortgage arrears......if i do this for August i should hopefully know next month if i will get anything paid off my rates arrears from my application! Yes i think thats what i will do :)
My mortgage arrears are currently £401.84 so if i can manage it i may try to pay it all off this month :) It will depend on how my car boot sales go really - its unfortunate that i am so dependant on the weather for this income but i am looking into several other income sources as well!
Progress on my £10 per day challenge has been slow so far, but i am hopeful that the pace will increase throughout the month. The only addition i have to my total from yesterday was the 6p that i found......hahahaha - it is in the pot though making my grand total now £27.73/£310. Unless i get an unexpected payment today it won't be going up again until the weekend! I am hoping to do 2 car boot sales and to have a bit more luck with the weather - fingers crossed!
Wednesday, 3 August 2011
Car Boot Sale Funds
Well as planned yesterday i managed to do a car boot sale today and for a change the weather was actually brilliant. I was a bit late getting there and didn't have a very good spot but i still managed to sell a few bits and bobs, raising a grand total of £23.60!
Ok so its certainly not the best sale i have ever done, but at the end someone next to me gave me some stuff they didn't want to take home again......usually the point is to get rid of stuff but i figured its some more that i can sell hopefully! LOL
If the weather is good again tomorrow i will do another one then to add a few more pounds to the pot! :)
I also completed some of my PTC site clicks today but not got to cash out levels yet.....shouldn't be too long before i can claim something but not adding it until i do!
One other thing i did today was collect money for Avon orders from a girl who gets orders and i put them through my account. I give her 20% commission on these and i get 5% so i earned £3.12 on this today.
Progress on the £10 per day challenge is now at £27.73/£310 so almost averaging the £10 per day LOL!
Good luck to everyone else on the challenge :)
Ok so its certainly not the best sale i have ever done, but at the end someone next to me gave me some stuff they didn't want to take home again......usually the point is to get rid of stuff but i figured its some more that i can sell hopefully! LOL
If the weather is good again tomorrow i will do another one then to add a few more pounds to the pot! :)
I also completed some of my PTC site clicks today but not got to cash out levels yet.....shouldn't be too long before i can claim something but not adding it until i do!
One other thing i did today was collect money for Avon orders from a girl who gets orders and i put them through my account. I give her 20% commission on these and i get 5% so i earned £3.12 on this today.
Progress on the £10 per day challenge is now at £27.73/£310 so almost averaging the £10 per day LOL!
Good luck to everyone else on the challenge :)
Tuesday, 2 August 2011
£10 per day challenge
Well as i said yesterday i have taken on this challenge that is posted on money saving expert - the challenge is to earn an extra £10 per day throughout August. I have been working on ways to earn some extra money both yesterday and today: i have been completing some surveys online and click click clicking on several PTC sites.
I have decided to not count any earnings until the money has actually been paid to me - its important to me that i actually have the cash in my hand or account so i can pay something off my rates bill at the end of the month. So although i have 'earned' some money online i haven't been paid for any of this yet.
I have found myself focusing more on how i can get some extra money in the past few days because of the challenge and i think thats a good thing :) I don't like not having anything to put in the pot though so i thought i would have a look around the house and the car for bits of loose change - I found a grand total of £1.01 hahahaha.
I know its not technically earnings, but it is money that i didn't really know i had and i am adding it to the rates payment fund so i am counting it in the challenge.
In addition to my online activities i have arranged to do a car boot sale tomorrow so hopefully that will add to the fund - i will have to be strict with myself not to spend my earnings on the other stalls though :)
Right so progress so far: £1.01/£310 -its a start anyway!
I am slowly adding the different debt amounts to my blog record too more or less as i get post in to confirm the amounts - i am not sure what i did with the rates bill though so thats still an estimate at the minute.
Have you managed to do anything towards paying off any of your debts today? if so i'd love to hear what you did.
Until tomorrow then, take care and good luck with your personal earnings!
I have decided to not count any earnings until the money has actually been paid to me - its important to me that i actually have the cash in my hand or account so i can pay something off my rates bill at the end of the month. So although i have 'earned' some money online i haven't been paid for any of this yet.
I have found myself focusing more on how i can get some extra money in the past few days because of the challenge and i think thats a good thing :) I don't like not having anything to put in the pot though so i thought i would have a look around the house and the car for bits of loose change - I found a grand total of £1.01 hahahaha.
I know its not technically earnings, but it is money that i didn't really know i had and i am adding it to the rates payment fund so i am counting it in the challenge.
In addition to my online activities i have arranged to do a car boot sale tomorrow so hopefully that will add to the fund - i will have to be strict with myself not to spend my earnings on the other stalls though :)
Right so progress so far: £1.01/£310 -its a start anyway!
I am slowly adding the different debt amounts to my blog record too more or less as i get post in to confirm the amounts - i am not sure what i did with the rates bill though so thats still an estimate at the minute.
Have you managed to do anything towards paying off any of your debts today? if so i'd love to hear what you did.
Until tomorrow then, take care and good luck with your personal earnings!
Monday, 1 August 2011
Where do i start?
Right then......its the first day of august and the start of my slaying plans :) Although i am motivated and really want to get started i find myself struggling to know where to actually start - it all seems so huge and over-whelming just to think about it......
I know it probably makes sense to get the calculator out and start figuring out how much my total debts are but i'm scared to do that - i dont want to feel like its an impossible task and put myself off completely!
So, instead of procrastinating any more i think i will just pick a debt to work on..... It will get me started and help me get over the fear if i see some success i think, and anyway who says i have to do it a certain way?
The debt i am going to start with is my rates bill - i got a letter from them last week saying i owed over £600 for rates arrears along with a date to go to court. It completely freaked me out i must say, but i managed to phone them and make a payment arrangement of £20 per month. They are also sending me a housing benefit form as i may be entitled to help with my future rates due to being off work - i didn't even know this was an option so i am glad that i phoned them.
As a way to help me work on this debt i have joined a group on Money Saving Expert called debt free wannabee - you can see my resources page for more details on this. Through this group i have agreed to take on an earnings challenge of £10 per day for August - if i can manage to do this i will effectively half my rates bill in the space of one month and quite frankly i would be delighted :)
The challenge will be tough but i think it will be worth it to get a jump start on this! What i will do each day i have no idea yet but i am going to try my best.
I know it probably makes sense to get the calculator out and start figuring out how much my total debts are but i'm scared to do that - i dont want to feel like its an impossible task and put myself off completely!
So, instead of procrastinating any more i think i will just pick a debt to work on..... It will get me started and help me get over the fear if i see some success i think, and anyway who says i have to do it a certain way?
The debt i am going to start with is my rates bill - i got a letter from them last week saying i owed over £600 for rates arrears along with a date to go to court. It completely freaked me out i must say, but i managed to phone them and make a payment arrangement of £20 per month. They are also sending me a housing benefit form as i may be entitled to help with my future rates due to being off work - i didn't even know this was an option so i am glad that i phoned them.
As a way to help me work on this debt i have joined a group on Money Saving Expert called debt free wannabee - you can see my resources page for more details on this. Through this group i have agreed to take on an earnings challenge of £10 per day for August - if i can manage to do this i will effectively half my rates bill in the space of one month and quite frankly i would be delighted :)
The challenge will be tough but i think it will be worth it to get a jump start on this! What i will do each day i have no idea yet but i am going to try my best.
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