chick221006

mum knows about the accomm n is going to help me sort it out. SO thats a plus!
Barclaycard is not in arrears anymore and am jus checking to see how much is on orange now, that might take around 5 months to clear, if that.
So going good. Tho moving in with Nick is still a fair way away and thats something that we simply cant control, but its on the up!!
:) Hes getting a CAT scan today I hope hes going to be alright, but hes coming up at the end of the week YEY!!!!!!!!
and I start work tomo which am looking forward to. All is ok in the world. Just ok not great but it could be worse.

Ok, finances I need to sort out and why and when by.

SORT OUT….
+ Unite, around £2000. Need to phone them up, i know it’s hard but I need to do it, they won’t be mean or anything. See if I can get it in installments so that I have a clear objective.

+ Pay off Barclaycard. Have paid off the arrears and now just need to work at paying off the balance. Something like £15 a month, which would make it 33months to pay it off, but I can pay off more when i can afford to.

+ Orange. Am already paying off £80 a month. I just need to keep on track with that and pay it off. Need to be keeping a total for this.

+ Keep any charges off my account, therefore having a better chance at getting an account with an overdraft/debit card for next year which is going to be vital.

+ Sort out my credit rating. Don’t get any more defaults, pay things off on time.

WHY…
+ To get my life back on track and manage to be happy with my life.

+ So me and Nick can live together and not have to worry about our credit.

+ To start fresh. Forget the past two years that have been holding me back. Go back to Uni with a fresh start.

+ So I can afford to do all the things I want to do, like go on travel, move in with Nick, peace of mind, go back to Uni without having to worry.

BY…
+ I want to have sorted all of my debts and got on a payment plan by the end of May.

+ Have paid of a considerable amount of my debts by the end of June/mid July.

+ Want to move in with Nick in July/Augsut.

i want to travel abroad somewhere by Sept 2008, but somewhere amazing like Australia, America, or Kenya.
I need to do this for myself so that I feel I have accomplished something before going back to Uni, so that I have something to say, so we can look back on the trip in years to come and be happy.

I also want to go somewhere a little less dramatic before hand like Europe. Somewhere romantic like Paris or Rome. Or somewhere with a beach.
I’ll start saving now, £40 a month until I have more money to put by.