Joined 31.05.16

109 days of loan left.
Work is long and gruelling.
Not much time for much else right now.
Almost nsd, just bought 2.50 sandwich
Home tonight watching film in bed.
Then quick work drink wednesday. Not much else. Payday a week on friday.
Need to keep calm and remember to breathe. I like having minimal social plans. Going to.make more effort to reign in going forward. x

Thank you Verbatim (and louby and stockiebecks and Lula belle) I realised re-reading I hadn't thanked anyone for helping me recently. I'm blaming it on long hours and worn out-ness. Poor manners by me- Big heartfelt thanks to all.

December has been hard. Went out Wednesday night which was lovely. Not too much alcohol, but just enough. Working long hours which helps with spending. But no denying I need to reign in and sort it all out. I am overdrawn and that needs rectifying.

It is almost Christmas.

Plans this week
Hair
Dentist
Leg wax
Minimal food spending
Minimal toiletries if any
No clothes
Out tues, wed
Payday Friday
Christmas Eve Saturday
Christmas Sunday

January will be better I am promising myself. Going to get it all sorted and be the person I was supposed to be without being held back by all the debt.

Home tonight and tomorrow. Saturday, Sunday and Monday with family (could be overdose 3 days running!) tues and wed see friends thur and fri low spends.

105 days to end of loan.

Then overdraft, bank credit card, Halif, Sains, mbna.

At some point it will all be Gone.

Thank you Seaside. I've cut down my social activities and at this moment have no holiday booked, no expensive gig/festival tickets and nothing big planned for the next 3 months.

Need to finish Christmas shopping off this week, I think about £150 left to go all in.

I am at 103 days of loan left. 79 hours to pay day to fill up the overdraft and for last few Christmas bits.

Also for
Usual bills ex council tax-paid for
Water billl
Very 123
Hair and dentist paid for
New Year's Eve, not sure of nye plans
Team Christmas drinks
Drink with friend
Post Christmas sales
Pub dinner with friend not seen in ages

Rest of dec and January needs
No extravagant social plans
Restrained sales shopping in a sensible manner
3 books on my list to buy for January for nights in.
Massive effort to minimise socialising.
Also studying
Job hunting
Clearing out freezer for defrost

13 days to 2017
6 to Christmas

In May instead of minimum payments planning to pay
£125 mbna
£100 Sains
£50 Halifax

Plan is to have overdraft and other credit card closed so "just" have these 3 but this depends on the next 3 1/2 months. We will see. x