Paying off debt to freedom

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  • camz2017
    camz2017 Posts: 347 Forumite
    Enjoying using the monzo and YNAB. Probably MONZO more than YNAB.

    Just got back from a great workout, also discussed with the gym if I can help out at weekends for personal training, like running some classes and stuff. They seemed quite keen as I used to be at a central London gym which is well known and expensive. That might be a second stream of income, depending on my time.

    Me and the girlfriend have gone seperate ways for now which is nice, I feel relieved.

    Food wise I have been spending around £30 a week. Fast food and eating out has just been replaced with copious amounts of chocolate lol, much cheaper in Poundland. Ordered my protein with a discount coupon I found online :)

    Dry cleaning has stopped, I am now ironing away. I feel quite confident about things right now.
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
  • Cherryjack
    Cherryjack Posts: 1,125
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    Damn it lol its the secret law of attraction :) I got carried away! Well done on your moves this week money wise and for having ''the chat'' need to do some ironing. ..it's my worst job/chore
  • camz2017
    camz2017 Posts: 347 Forumite
    Got me a date tonight watching the X factor. Nice free entertainment :)

    Eating chocolates I took home from helping at the Work HR event.

    I will post up debt levels in a few weeks to see how much I’ve got down.
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
  • camz2017
    camz2017 Posts: 347 Forumite
    Can you send me a link to this law of attraction thing?:D
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
  • camz2017
    camz2017 Posts: 347 Forumite
    Considering doing one of those bank account switch things - £250 apparently!
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
  • Cherryjack
    Cherryjack Posts: 1,125
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    Let us know how it goes..is a worry for me lol think I might be set in my ways
  • camz2017
    camz2017 Posts: 347 Forumite
    I possibly wasn’t very clear, me and the girlfriend broke up after we had a discussion. I think largely I just wasn’t too into it. She tried to turn it into me apparently leading her on and then she accused me of still speaking to my ex lol. If I’m totally honest she didn’t make me feel like a good person in that she always said I was nasty and picked at little things I did saying a nice guy wouldn’t do that. For example apparently I’m always racing ahead and that’s a sign I apparently don’t respect other people lol. Little things but over time I started to question why she was even with me & I don’t think she’s ever made me feel like a good person. She used to constantly bring up how she found out I’ve cheated on other girls, which is true, but she would bring it up when in a mood & tell me I’m a horrible person & that I deserve to go through an awful breakup & when anything bad happened to me she would be like that’s karma for cheating on people.

    Dunno it just boils down to me not feeling overly elevated as a person whilst with her.

    Anyways, I feel like this is my life story rather than my budgeting. :D
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
  • camz2017
    camz2017 Posts: 347 Forumite
    Day 1 vs now

    Natwest Loan: £8365.03 / £8167.60
    Barclaycard: £14838.40 / 14,630.94
    MBNA: £7600 / £7600
    Bank Overdraft: £162.39 - Positive £510.22 (paid rent and most of bills this month)
    Total = £30965.82 / £29888.32

    Over £1000 better off today than I was when I started, with most bills paid. I will update on a monthly basis going forward.
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
  • Cherryjack
    Cherryjack Posts: 1,125
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    Oh my gosh this sounds like me on a bad day :rotfl::rotfl: haha. .I feel guilty now lol karma is literally my favourite word :D but in all honesty don't read to much into it..we say these things but don't always been it.
    My stuck in my ways line was in relation to changing bank accounts as in I'm too scared to move.

    Hope you've had a gr8 day :A
  • camz2017
    camz2017 Posts: 347 Forumite
    Oh my gosh this sounds like me on a bad day :rotfl::rotfl: haha. .I feel guilty now lol karma is literally my favourite word :D
    This made me laugh out loud literally. Are you my ex lol? :rotfl::rotfl: In all honesty give me a week I will likely be grovelling for her back, I am like that, make decisions, convince myself I am 100% decided and then change my mind all over... lol

    Haha switching banks is easy, but can be a hassle if new cards and things don't arrive on time so don't blame ya.

    Today has been good, I am just back to back on client calls all day everyday right now. Got a 6am call with Australia later this week, really not feeling that!! On a plus note, my client out in Canada said I have a nice voice earlier today :D Not sure why but it made me feel super good, I've been walking around talking with pride since.

    ...Still eating chocolate, got haribo also today. I might go get Pizza from ASDA in a minute, oh my god I love pizza.
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
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