Correspondence

The letters have begun arriving, creditors assuring me that interest and charges have been paused for two months of Breathing Space. I also received a huge Action Plan pack from the debt charity. So I found a stack of folders and I have begun filing each letter correctly to keep them ordered. I will need this paper trail for quite a long time. I also found a brand-new exercise book and I am planning to keep track of figures and debtors in there, for motivation. In ridiculous random colours, because I can, and because that makes it more fun. I may invest in stickers.

My Universal Credit money turned up early. It was an odd feeling to see it sat there in the account which nobody else can touch. For a moment I reflected on how this was "all I had" and then I realised, it's more loose cash than I actually had left available in credit last month. And there's several hundred more stashed over in the new savings account. And I didn't spend all of my grocery money either, despite going shopping yesterday.

I called Overdraft Bank today as I'm "supposed" to, trying to have the overdraft removed from my account and turned into a separate debt. This is intended to stop future fees and charges from eating into my money and allow me to control the rate that I repay that debt. They say they can't do it until the debt charity contacts them with a repayment offer. So that was annoying, it means I have to call several other places to move their direct debits away. 80 minutes on hold to the car finance company. 😑 And on Monday I will need to call the insurance.

£2 again from TopCashBack for buying a £5 Asda voucher, yes thanks! 

Even though this debt arrangement is taking up a lot of mental real estate, it's a good thing to have something to focus on. Apart from that my main goal was "escape this flat" which is not a very productive thought process while I have no means to do so. 😄 So I think I should figure out small things to achieve in the interim. Hmmm.