Who?

I am a 36 year old debtor living in Northern England with about £20,000 pounds worth of debt and no clear way of paying it off. I could be your neighbour or your friend as no one discusses debt. Debtors used to be carted off to debtor's prisons now we mainly exist in metaphorical prisons.

Follow me as I try and keep my head above water with my finances.

Wednesday, 5 August 2009

The Bank changes its mind.

This morning's post brought a surprise. The bank, with whom i have the overdraft with have ended my contract and want me to pay the full balance. I rang them an hour ago. They won't reinstate until the have another financial statement from the Citizen's Advice Bureau. This is a pain in the arse. I have a couple of months to get this information to them. Why they can't accept my word for it is beyond me. I really regret deciding to clear my debt with them first.

I'm feeling unwell today so didn't manage to get to a project i go to on a Wednesday, this has saved me £2.00 in dues and will reduce my overdraft. It's getting to be financially worth avoiding everyone. Also had to cancel the boyfriend's visit overnight this evening, which means we won't be going on the day trip we had planned to go on. There is an upside to this misery. I won't have to borrow the money for half the petrol fare on a six hour return journey. I already owe him a meal and a fiver.

Decided not to feed my electricity meter so am now living in more debt- off the £5.00 emergency debt in the machine. I bought another fiver of petrol instead. I also desperately need £15.00 to clear my payments for the next two weeks but it will have to wait a few days. Found that I had two more pounds in small change this will also go to clearing the overdraft.

There is a glimmer of hope. I received an invitation to do some market research for £40.00. I have filled in their further questionnaire. I await to hear if they want my opinions on stuff so I can make cash quick. Mum has also said she will give me a cash gift if I help her clear the junk out of her cupboards. Ebay is not yet proving very fruitful with my items- it seems no one is interested in old junk.

Yesterday's Summary

5.00 spent
0.00 saved
0.00 Made
947 left to clear my first goal



Today's Summary

5.00 spent
4.00 saved
0.00 made
944 left to clear my first financial goal.

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