Current amount of debt
Posted by: aulelia on: November 4, 2009
- In: debt
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Here is my current total that I calculated as of 4 November 2009:
–£2,444.17
This is still a massive amount. I need to get under -£2,000 at least by April 2010 so that is one of my main goals.
Has anyone else found themselves slipping?
debt is a bish
Posted by: aulelia on: November 4, 2009
- In: debt
- 2 Comments
Sticking to paying off my debt is hard, hence why I keep neglecting this blog but no more of that!
I have been putting money away to save for an emergency fund in my Nationwide account.
I really need to get a grip of my finances because quite frankly, I am way too in debt to not be focused about this.
The current picture is I am still in deep in my overdraft + my credit card debt.
why sticking to a payment schedule is so hard
Posted by: aulelia on: August 29, 2009
seriously??
why is it so hard to stick to just one paying schedule?
i paid £10 into my overdraft account, but i am still struggling!
I HATE DEBT!!!!!!
Sorry! Lack of Updates!
Posted by: aulelia on: August 16, 2009
Have been too busy. So sorry about the lack of financial updates!
Am away for a wedding until next week but I promise to update more regularly when I come back.
On a good note, I have paid my CC on time for once ! Yay!
Repayment Update
Posted by: aulelia on: July 17, 2009
- In: debt
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- Called the bank today to plead with them to waive a late payment fee for tomorrow. She said I would but she said I would have to start a direct debit. So I have but I am not holding my breath AT ALL. I will check online tomorrow to make sure I haven’t been given a late payment fee. I paid in £20 yesterday to the shop. My direct debit is £11 for next month. I think this may be easier.
- Called another section of the bank to talk about overdrafts. I don’t want an extension, even though I am BROKE. But having said that, he said I have a year to pay it back so I need to get on it RIGHT now and start paying it back.
Snapshot of my current situation
Posted by: aulelia on: July 15, 2009
- In: debt
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Debt: -£2,510
Assets: My Standard Life Pension which is £242.98 which I cannot touch, because obviously it is a pension.
I really need to giddy the fuck up and stop falling into the trap of getting heavy into debt.
I am sick of being in debt!
Shopping for Michael Jackson’s Music On A Budget: Part 1 – Bad (1988)
Posted by: aulelia on: July 11, 2009
I want to buy a lot of Mike’s back catalogue on CD (and no, I am not a bandwagon stan). Have loved him since I was a baby.
But as a girl on the cheap, I need to do this sensibly.
I went to HMV yesterday to do price comparison of ‘Bad’: Michael’s 1988 hit album ‘Bad’ was £6.99 in the HMV in Walthamstow, east London.
- On Amazon, it is £3.98, but bear in mind you have to spend over £5 to qualify for free Super Saver Delivery
- On Play.com, Bad is £3.99 WITH free delivery.
Verdict: Play.com is £3 cheaper than buying the CD in the shop. Having said that, it depends what you want. A reviewer on Play.com said that the edition of Bad they are selling has edited a lot of the songs on there, which is really annoying bc I don’t want another version of the CD.
What’s also bizarre for HMV is that you can also buy Bad online for £3.99 + free UK delivery, but you have to pay £7 in the shop.
Are they adding an extra £3 to buy it and have it immediately?
Overlimit
Posted by: aulelia on: June 24, 2009
- In: debt
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I am over the limit fee. Argh! It was silly really. I am £5.13 over my credit card. Called the bank just now to double check and they said that since I have already been charged, I will not be charged again until the 23 July, on the assumption that I don’t make a payment.
I’m too embarrassed to ask my family for help with this and I have started a new part time cleaning job so I will wait until I get paid (hopefully by the end of the week) to sort this out.
I feel like I keep going back and forth with money. I also haven’t done my daily spending for 10 days.
Will sort myself out.
Money, Money, & Money
Posted by: aulelia on: May 30, 2009
- In: debt
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I just keep having fantasies about the day that I no longer have any credit card or overdraft debt.
It is a bloody long way away and made even more so difficult by the fact that I cannot find a temporary job at the moment.
It’s very disheartening.
I will be updating the blog more. Please don’t think I have abandoned it – I just can’t seem to get a job.
CC Update
Posted by: aulelia on: May 2, 2009
- In: debt
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I paid my May 2009 credit card, after clearing the overlimit fee.
My current balance is -£486, after being -£513.
I am looking forward to a future where I can clear this credit card! I hope I can get it done as soon as possible!
The next few months I need to have done are: June, July, August & September. If I pay £15 a month for these months, (which is over the minimum I am supposed to pay), I will need to put aside £60 to pay off all that cash.
