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Monthly Archives: January 2013

…during the Christmas period I got stung by a fraudster who attempted to take out £381 from my account on an online transaction.  This failed, however not before another transaction cunningly got through for £100, again as an internet transaction.

My bank were very swift once I found out that there was an issue, and refunded me the money I was out of pocket for.  I’ve had to cancel my debit card and at the moment I’m waiting for the replacement card/internet banking to be reactivated.   Fortunately, as I’m so used to using ‘cash’ I have enough money to live on, it hasn’t affected me one little bit!

So guys, be careful with whom you give your personal data to.  I reckon my card details were fraudulently used by someone who then proceeded in using my data on the net – as an early Christmas present for themselves.

– when you give someone your personal data (over the phone, for example), be very discreet when you read out the details – as you never know whose listening)

– make a budget, and write down ALL your transactions in advance of money being taken out of your account.  Only clear these transactions once it hits your account – that way you’ll know what’s due to come in / go out / still pending.

This is what I’ve noticed : a certain mini cab office whom I gave my details to over the phone (just before Christmas), have not taken out the money that they should of, whilst at the same time fraud was taking place on my card a few days later.  Coincidence?  Who knows, and I cannot prove it, however it’s a lesson – PAY IN CASH WHENEVER POSSIBLE, PEOPLE!

peace

It’s been a whirlwind year.  I cannot believe that I’m now debt-free (minus the house).  I’ve had time to reflect and come to terms with what I’ve achieved – and I reckon I’ve done good.

It’s so easy for people to judge you.  Usually it’s good, encouraging comments, however sometimes you do get the odd one or two who just don’t ‘get it’.  They don’t understand that some people do get themselves into financial difficulties through no fault of their own – whether it’s reckless spending on credit cards and loans, or through getting fleeced by organisations which make you near-bankrupt.   If you’ve never had ‘real’ money troubles, and always been financially ‘sound’ then how the hell can you relate to those who struggle / have different ways of handling money?

It’s just funny how human nature is and people’s reactions to all sorts of situations.  Your feelings before, during and after you ‘conquer’ your demons.  Only you know how you feel – nobody else.  Only you can do what’s best for you.  People ‘think’ they know you, or know what you’re going through and how you’re feeling, but really they have no god-damn idea of how you’re feeling emotionally-wise.  Right now my head is still spinning, still angry, still confused, still happy, still overjoyed, still focused, still…

Do what’s right for you.  Go at your own pace.  Surround yourself with people who are on the same vibe as you.  If you cannot find face2face people, then go to the cyber-world and find them there.  The internet is a powerful tool and it’s helped me so, so much.  I’ve found a wonderful financial guru who has helped me on my journey, and who hasn’t judged others who are still in a situation.  It’s encouragement which people need – and a belief that they can do it.  And, more importantly, an understanding of WHY people get themselves into situations which are difficult to come out of.  Don’t judge them.  Don’t say ‘I feel sorry for these people’ but you really don’t mean it.  You have to understand human characteristics, and the different ways people react to different situations – understand them, feel for them, and DON’T compare them to your situation / actions / beliefs / way of living.

I had to get that off my chest 🙂