I heart sun!

I was going to go get my monthly top up on my tan at the shop. Then I thought wait look at the weather its gorgeous! Time to go catch some rays.

See ya peeps x

Being Hopelessly in Debt

Back in the late 2000's and credit being very easy to obtain I was stupid enough to take out £10,000 worth of credit cards which I soon maxed out on a series of wonderful holidays - not my smartest move - but hey, I have some lovely memories. The days of being able to swap balances easily and change your credit card company have long since vanished and I have found myself ever since just making the minimum payments - now totalling some £300 per month.

Two months ago I was told that there would be no more work for me this coming summer and I have been unable to find any regular work beyond the occasional temping contract.

I figured I needed to keep up the payments on the rent first of all - as if I don't have anywhere to live - I will find it much harder to find gainful employment. So I stopped all my direct debits (so that I don't incur any bank charges from bounced payments) and                                                    waited to see what would happen.

The three companies who I had credit cards with Egg, Barclaycard and RBS - soon referred my accounts to debt collection agencies - and that is when the phone calls started. Often calling more than once a day - various debt collection agencies would contact me demanding payments. Life soon became very stressful. I couldn't sleep and the things these companies were telling me about what they were going to do if I didn't pay instilled fear in me and made my life a living hell.

A friend of mine suggested that I use the help of a debt consolidation firm - in the end i decided on using the CCCS as they are a charity and do not charge for their services.

With their help I have managed to get my repayments down from £300 per month to £30 and have stopped all additional charges for the next 6 months whilst I get back on my feet. These guys are amazing.

Here is a link to their site: http://www.cccs.co.uk/

Tony's World: Henry Rollins on Being Cynical

Tony's World: Henry Rollins on Being Cynical

So true. x

Holiday Home in Isle of Wight

Last week, as the weather had picked up and I was in a summery mood, I decided to go for a week away.  After searching around, I found some nice apartments in Isle of Wight. They were right on the coast, in a little place called Ventnor. I went for the smaller of the two apartments, as it was only myself and my sister. Anyway, we had a lovely time, the apartments were clean and tidy and the owners were very accommodating.

Here is a link to their website :

http://www.isleofwightventnor.co.uk/

Mortlocks Waste - Recycling, Waste Removal and House Clearance in the London and Essex areas

http://weclearrubbish.blogspot.co.uk/

http://www.weclearrubbish.co.uk

Mortlocks waste are a family run business who specialise in all forms of waste removal in the London and Essex areas.

Damian Marley ft. Nas - Road To Zion ( Enbee Dnb Remix )

Loving this song at the moment. Although its a drum and bass remix its still really relaxing to listen to but still keeps its energy, so I can dance about the room like a nutter if I like lol ;)