Single 20 something mum - time to kick myself up the bum!

Thanks for all the tips! I've cancelled the standing order for now so will work out what I will owe the account in the time it takes me to pay everything off. Hopefully once I'm not repaying any debt I can pay what's owed into it within 2/3 months.

Had a nightmare few weeks with my car which has cost me £151 to repair and the engine light has come on today (can see the radiator hose/water pump) is leaking so I'm going to have to get it in to be looked at for that! Having a bad day with that and an assignment score I wasn't happy with so spend £12 on a papa johns pizza to cheer me up! Also popped to tesco for some bits I needed so today was definitely not a NSD.

DFW goals for the rest of the week:
- Rest of week to be NSDs
- List some more bits on eBay
- Batch cook dinners for rest of week
- Already a member of open, toluna and one opinion so will sign up to other mentioned above

Thanks for popping by Nymphadora! I wish I were born in a time where credit didn't exist, it seems a lot of us have this attitude that if we can't afford it we'll put it on credit and just pay if back, back then there wasn't the option! Although I do remember my gran paying off a silver locket weekly, but she couldn't have it until it was fully paid for! Good luck on your journey I'll be following!

Well I haven't been doing too great money wise as pretty much the whole of Christmas has gone on CC 6 taking it from £266 to over £700! Annoyed with myself but none of my family know my situation and I can't take the shame of them knowing. Especially considering my mum and her husband gave me a large chunk of money to pay off a loan and move into the house I rent 2 years ago.

Think I'm just having an uggggh why am I so sh*t with money day!!!

Anyway, today was a NSD and I have done my budget for the next 3 months on my spreadsheet so I know what I have spare. I've been making abit of money on Ebay and hope to be able to sell about £50 a month on there. This will go straight to CC 6 to get it paid off ASAP. Food shop has been ordered some hopefully won't need to spend too much on fresh stuff. My mum is sweet and buys my fruit for me every week so I just need vege, milk etc!

Anyway hope everyone has a lovely Christmas! I have not wrapped one present yet so I'm sure it'll be a hectic Christmas eve for me!

Thanks guys! Not feeling so hard on myself now as I know there will be ups and downs but I know I don't want to live with this black cloud of debt hanging over me for the next 15 years! I want it gone and I know I'm the only one who can sort it. My goal for 2017 is to get it as closest to 10k as I can!

I could clear a larger chunk of the debt this year if I wasn't having to save for my friend's wedding which will cost at least £800 PLUS her hen do but such is life.

I went to a concert on Monday and had my phone robbed so that's cost another £50 excess to get it replaced! Luckily I have quite abit of spare money this month so that's been covered. Car is still knackered I think it may be the head gasket and something is rattling towards the back although I'm ignoring this until the new year because I've pretty much exhausted all my savings fixing it, it's drive-able for now!

Today is pay-day and I have spent a little as wheelgate park have tickets on sale for £7 each so I've spent £14 of these which have come out of my £50 fun money to cover Jan so that's one day out with my daughter covered.

Finishing work until the new year today so tonight will be spent wrapping Christmas presents with a glass of red wine! Hope everyone has a lovely Christmas and happy new debt busting new year!!!