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Olivia Buck Needs Debt Help - Day 27

Olivia Buck
May 27th, 2008

Woo, let\'s pay off that debt! After this bottle... 14 points….get in!

 

Tuesday 27th May, 2008 - £9,341.19 in debt…

 

HOORAY!!! My first big stroke of luck since starting this pathetic journey towards becoming a normal, debt-free citizen: a flipping-well tax rebate. Thank you, God.

 

This is my third year of having to fill out a tax return, and I can’t say it’s ever been a pleasurable experience. In fact, my idea of hell is having to fill out endless tax returns in a roomful of pigeons, while Basshunter plays on a continual loop inside my brain.

 

Fortunately, I’m being given a rebate of £421 without even having to get flapped at by manic birds. I suspect this is to do with having a temping job and paying basic rate tax for a while. Whatever the reason, I’m happy. Once the money comes through, I’ll be transferring every single penny onto the Barclaycard.

 

However, if that money is to be put to good use and not just swallowed up by life generally, I’m going to have to get another job.

 

My visits to temping agencies last week were, well, uninspiring. Two of them asked me to look at their websites for available jobs (so what is this office here for, exactly?). Three others asked me to fill out some tax return-style paperwork and perform a series of demeaning tests, but still didn’t produce a part-time job at the end of it. This week, I might have to start asking for full-time work.

 

Yes, full-time. I’m only baulking at this because I still do freelance work on the side, which will occasionally take up another 35 hours of my week. Taking on a full-time temping job will give me the lovely, comforting security blanket of a weekly paycheque, but at the price of my evenings and weekends. Ah well – it’s not like I do anything with them anyway.

 

Although… I could have a bloody good weekend with that £421, couldn’t I?

 

 

In other news:

 

My debt has gone down by £20.36 as I’ve just received my Capital One credit card bill. The interest-free period on that card has just run out, so I’ve removed it from my wallet and stashed it upstairs, never to be spent again. Ha.

 

Still no luck with the online surveys – I keep getting emails saying “guaranteed £2.50 for completing this survey! Whoop whoop!”, but then being told that I don’t meet the criteria. It’s like being told I can enter Eurovision, writing and rehearsing an amazing song, and then finding out that I’m representing the UK.


5 Responses to “Olivia Buck Needs Debt Help - Day 27”

  • Michael Phillips Says:
    May 28th, 2008 at 7:37 am

    Stay calm Olivea, finger off that spending trigger. Pay that off and it will save you over £63 per year in interest. I figured that out using this:

    http://www.creditchoices.co.uk/savings-calculator.html


  • Mc Says:
    May 28th, 2008 at 5:22 pm

    Hi Olivia, yup you could have a good weekend with that cash, but I’d go with the card payment myself and save yourself the interest as Michael says. Also I’d not stash the Capital one card upstairs, I’d clip it into tiny peices, believe me this is very, very satisfying. I’ve just made what should be my very final interest payment ever on a credit card & the feeling of freedom, from being bled dry every month is one that cannot be riveled, even by a great weekend!!! Keep going, being credit free is a feeling worth having.


  • Olivia Buck Says:
    May 29th, 2008 at 3:29 pm

    Meh. All right - I suppose it’s best to use that money for good rather than evil. When it comes through, that is - I haven’t had a sniff of it yet. Hang on - I’ll just check my account… OH MY GOD I’VE GOT MONEY! TO TRANSFER ONTO MY BARCLAYCARD!! Wow.

    As for the Capital One card, you’re right about that too. The main reason I didn’t want to cut it up was because it had a nice picture of a pig on it, and I couldn’t be so heartless towards my little porky friend. Capital One obviously prey on people like me.


  • Dan Drage Says:
    May 29th, 2008 at 3:54 pm

    Pork products are bad.


  • guycross Says:
    May 31st, 2008 at 1:32 pm

    olivia, your blog is fun!
    anyway temping agencies (was that on this post or another one?)
    anyway

    I temped for years, and only recently landed a permanent job (i do not want to use the words ‘proper job’ as I would sound like a ‘grown up’ (I am iving in the 1990s hence my use of ‘these’ inverted commas”””))

    i am such a nerd

    anyway, i digressed

    the best wat to get into temping is to be really cheeky, i used to send my recruitment consultants funny/FWD emails - post them postcards from the cinema… anything really

    i was never out of temp work for more than 5 days - so i figure it worked.

    Guy


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