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  • FIRST POST
    • moneyonmymindsam
    • By moneyonmymindsam 8th Feb 15, 10:31 PM
    • 961Posts
    • 2,756Thanks
    moneyonmymindsam
    In the Lowest Hour
    • #1
    • 8th Feb 15, 10:31 PM
    In the Lowest Hour 8th Feb 15 at 10:31 PM
    In the Lowest Hour..I wonder if I can get any lower.


    Money ...


    I'm so reliant
    I'm so dependant
    I'm such a fool


    Sam Smith could have written that for me ..


    Where do I start?? ..yes that's right by making a coffee ...and having a long hard look at everything ....


    I know where I am but the denial and longing not to be in my current situation kicks in ...


    Am I motivated ...not in the slightest ...


    SOA going to make me feel sick ..pig sick ...


    My mission is to log in everyday and get sorted ...anything has got to be better than this, I loathe myself and my situation that has got to change.
Page 39
    • moneyonmymindsam
    • By moneyonmymindsam 2nd Sep 16, 8:06 PM
    • 961 Posts
    • 2,756 Thanks
    moneyonmymindsam
    Been working all the time so had enough of that.


    Got the gas people coming next week.


    Need to check the accounts tonight as well.


    Place is a pig sty :P so need to sort that out.


    Sam x
    ACTUAL LBM FEB 2015 Totals 9,748
    Current debt 0 ...2016


    Savings pot 19th Sept : 2200
    Emergency Pot 75.00
    • abba1772
    • By abba1772 3rd Sep 16, 4:24 PM
    • 2,792 Posts
    • 6,346 Thanks
    abba1772
    Hope your not working yourself into the ground xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: 2299 Now 1936.56

    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 4891.10 / 6000
    • RosaBernicia
    • By RosaBernicia 3rd Sep 16, 7:04 PM
    • 2,894 Posts
    • 7,196 Thanks
    RosaBernicia
    Book some chill time Sam - no point being DF if you don't get to enjoy it!


    Rosa xx
    Proud to be dealing have dealt with my debts - DEBT FREE May 2016
    DFW Diary - Balancing not just the budget
    http://forums.moneysavingexpert.com/showthread.php?t=4398229
    • moneyonmymindsam
    • By moneyonmymindsam 8th Sep 16, 12:24 AM
    • 961 Posts
    • 2,756 Thanks
    moneyonmymindsam
    Hi


    on Holiday next week so got to do the work before I'm off ... will be worth it when I get there..........


    Not much to report but I have panic shopped.....soo have some admissions... 3 dresses, 1 bikini and some sandals ...170 ... I might send one of the dresses back ... just out of guilt. Actually they all very look good so happy about that considering there where 2am online panic buy's.





    Then more panic shopping ...32 necklace, T -shirts and shorts.

    So practically having heart attack at 200 spend BUT I'm going to be really good and pack my case and take the rest back on Friday as the 200 is only the stuff I am keeping not what I brought in a panic state.

    I have two days left of work ..and so much to do but I am going to do it


    I got the dresses half price so I suppose I could wear once on holiday and then put them on 3bay .. which is a bit more if I don't think I will wear them again.


    Not much else other than It's all bedlam here...
    ACTUAL LBM FEB 2015 Totals 9,748
    Current debt 0 ...2016


    Savings pot 19th Sept : 2200
    Emergency Pot 75.00
    • MuffinTops
    • By MuffinTops 8th Sep 16, 8:19 AM
    • 1,945 Posts
    • 5,771 Thanks
    MuffinTops
    Hello gorgeous girl,
    Fantastic news about your impending holiday! Very excited for you!

    Don't worry about the 200 spend! You've got this!!!

    MTxx
    Credit Card Debt: 740.22 - Almost there!!!
    ======================
    Savings: 10,032.64

    Pot of Gold = 9292.42
    • abba1772
    • By abba1772 8th Sep 16, 8:53 AM
    • 2,792 Posts
    • 6,346 Thanks
    abba1772
    Enjoy your spends don't panic you deserve it xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: 2299 Now 1936.56

    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 4891.10 / 6000
    • monz
    • By monz 8th Sep 16, 9:19 AM
    • 1,675 Posts
    • 3,488 Thanks
    monz
    Treat yourself you deserve it after all your hard work xx
    Start debt: (1/9/14) 6,674.52 today (1/9/2016) 1,280 (5,394.52 paid so far) 80.82% paid!
    RBS loan - 24/60 paid back 1,280 to pay from (5,000)
    Beat the overdraft of 1,000/1,000 Next - 232.78
    Florida 2017 saving 1,873.12 (should be 2,028.12 - owe savings 155 - paying extra in Sept/Oct wages!)
    • Tinkerbelle2000
    • By Tinkerbelle2000 13th Sep 16, 9:12 AM
    • 287 Posts
    • 908 Thanks
    Tinkerbelle2000
    Hope you're having a lovely time Sam and I bet the dresses look fab.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- 10338.89 01/09/16 - 14027.85
    DEBT 1 = 477.17 DEBT 2 = 568.00 DEBT 3 = 285.34
    DEBT 4 = 725.02 DEBT 5 = 166.10 DEBT 6 1084.10
    DEBT 7 = 1324.59 DEBT 8 = 6325.00 DEBT 9 3001.93
    • moneyonmymindsam
    • By moneyonmymindsam 19th Sep 16, 8:47 PM
    • 961 Posts
    • 2,756 Thanks
    moneyonmymindsam
    Hellooo lovely people. I'm back, had a lovely time although went to quick and all of the issues where at Gatwick end so not to bad.


    Got 139 keeps worn on holiday so will post back the remaining 61 to very and get that credit back. Paid all my bills on return so emptied the bank account again.


    Pay day in 9 days so will keep 90 in the bank and put the rest towards getting ahead with bills, although come back with flu so not good! work diary packed already.


    Managed to get some bits on EBay and have a clear out - I really should just charity this once and for all as its the same lot of stuff im hoarding. I think the time versus the money I would actually get is minimal so not really worth spending all my spare time ( which is very little ) selling it.


    Need to do a new SOA as I am still living very frugally indeed.
    ACTUAL LBM FEB 2015 Totals 9,748
    Current debt 0 ...2016


    Savings pot 19th Sept : 2200
    Emergency Pot 75.00
    • abba1772
    • By abba1772 20th Sep 16, 8:44 AM
    • 2,792 Posts
    • 6,346 Thanks
    abba1772
    Glad you had a lovely holiday xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: 2299 Now 1936.56

    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 4891.10 / 6000
    • monz
    • By monz 20th Sep 16, 9:00 AM
    • 1,675 Posts
    • 3,488 Thanks
    monz
    Welcome back and glad you had a good time xx
    Start debt: (1/9/14) 6,674.52 today (1/9/2016) 1,280 (5,394.52 paid so far) 80.82% paid!
    RBS loan - 24/60 paid back 1,280 to pay from (5,000)
    Beat the overdraft of 1,000/1,000 Next - 232.78
    Florida 2017 saving 1,873.12 (should be 2,028.12 - owe savings 155 - paying extra in Sept/Oct wages!)
    • MuffinTops
    • By MuffinTops 20th Sep 16, 9:02 AM
    • 1,945 Posts
    • 5,771 Thanks
    MuffinTops
    Hello gorgeous. Very happy to hear about the lovely holiday, but not so much about you coming home poorly again! Your body is definitely telling you something!

    Well done too on having things to return and boost the finances. All sounding mostly lovely.

    MTxx
    Credit Card Debt: 740.22 - Almost there!!!
    ======================
    Savings: 10,032.64

    Pot of Gold = 9292.42
    • RosaBernicia
    • By RosaBernicia 20th Sep 16, 8:05 PM
    • 2,894 Posts
    • 7,196 Thanks
    RosaBernicia
    What MT said, and do ditch the stuff to sell if it isn't worth the hassle - give yourself a bit of space and freedom


    Rosa xx
    Proud to be dealing have dealt with my debts - DEBT FREE May 2016
    DFW Diary - Balancing not just the budget
    http://forums.moneysavingexpert.com/showthread.php?t=4398229
    • moneyonmymindsam
    • By moneyonmymindsam 22nd Sep 16, 9:31 PM
    • 961 Posts
    • 2,756 Thanks
    moneyonmymindsam
    I haven't ditched the stuff yet due to being poorly again. I suppose it would be ok to be poorly if I was off work but I just don't get that opportunity. Is there such a thing as planned sick time..


    Going to empty the wardrobe again and maybe add to ebay


    Although I did have the urge to jack in my job so maybe I shoudn't be so hasty to get rid of stuff!


    Least am home tonight and washing is done
    ACTUAL LBM FEB 2015 Totals 9,748
    Current debt 0 ...2016


    Savings pot 19th Sept : 2200
    Emergency Pot 75.00
    • Tinkerbelle2000
    • By Tinkerbelle2000 23rd Sep 16, 10:44 PM
    • 287 Posts
    • 908 Thanks
    Tinkerbelle2000
    Glad to hear you had a good holiday but its such a shame that you come home not 100%.

    Hope things aren't to bad with your job and that you get past that feeling of jacking it in.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- 10338.89 01/09/16 - 14027.85
    DEBT 1 = 477.17 DEBT 2 = 568.00 DEBT 3 = 285.34
    DEBT 4 = 725.02 DEBT 5 = 166.10 DEBT 6 1084.10
    DEBT 7 = 1324.59 DEBT 8 = 6325.00 DEBT 9 3001.93
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