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  • FIRST POST
    • GoingToDoIt
    • By GoingToDoIt 13th Oct 15, 5:43 PM
    • 448Posts
    • 3,163Thanks
    GoingToDoIt
    Do One, Debt!
    • #1
    • 13th Oct 15, 5:43 PM
    Do One, Debt! 13th Oct 15 at 5:43 PM
    Hello,
    I've been lurking for a while knowing that I need to do something about my growing debts, now I have finally taken the plunge and started a diary :
    I used to be the ultimate moneysaver! I can't believe how bad I have been in the last few years- missed payments on cc's for no good reason!?! My mental health suffered after being bullied at work a few years ago. I started smoking again, gained weight and lost control of my finances. I quit my job with no job to go to and that accounts for 50% of my debts ( 6 weeks unemployed) the rest is new carpets and a new mobile phone. Apart from that it's from...smoking!
    I have now been a non-smoker for over 4 weeks so that is around £250 I've not spent.
    I also need to get fitter, eat better and lose around 30kg. I know some people think "one thing at a time" however I feel they are all connected and as one improves the others naturally follow.
    Will post some more info on my financials in due course...
    Thanks for reading...Gonna
    Last edited by GoingToDoIt; 13-10-2015 at 5:44 PM. Reason: Spelled name
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
Page 17
    • GoingToDoIt
    • By GoingToDoIt 14th Sep 17, 11:02 PM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    Yes am single and do think it's important to eat out regularly as it is my equivalent of a hobby/night out most of the time. Just checking in. Spent £10 today on a flu jab, a sensible spend I think!!!!
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • GoingToDoIt
    • By GoingToDoIt 15th Sep 17, 10:57 PM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    Cashed out £5 on swaggy.
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • Poor_Single_lady
    • By Poor_Single_lady 16th Sep 17, 7:36 AM
    • 1,103 Posts
    • 4,158 Thanks
    Poor_Single_lady
    Loving the daily posts GoingToDoIt. Hope you are having a nice weekend. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • GoingToDoIt
    • By GoingToDoIt 16th Sep 17, 10:17 AM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    Thanks PSL. The daily posts are helping. I'm feeling more mindful. Back on the eBay trail, got a bunch more stuff to list today. I was a bit worried that interest rates might go up in Nov. And already I can see prices rising at the supermarket. Good that I'm back on the money watching.
    Got a few more bits up for sale on the bay. Tried to sell a few of them before and there were no takers. It seems similar items have sold recently so one more try before they get donated.
    The handbag I bought recently got damaged at the wedding, I thought of chucking it the next day and was convinced not to. It is beyond fixing, luckily before it went in the bin I checked the pocket and found £10 in it done a few more yougov surveys and that is at £21, nearly halfway to cash out
    Last edited by GoingToDoIt; 16-09-2017 at 12:33 PM.
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • Poor_Single_lady
    • By Poor_Single_lady 19th Sep 17, 8:18 PM
    • 1,103 Posts
    • 4,158 Thanks
    Poor_Single_lady
    Prices are rising And life is so expensive. I don't understand how anyone manages living on their own. I'm resorting to toast or cereal and fruit for tea in effort not to spend any more money from bank account till payday. Not easy at all. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • GoingToDoIt
    • By GoingToDoIt 20th Sep 17, 9:26 PM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    200 squid to last the month...will I do it? Acquired an extra £25 by way of an apology from the bank, they messed up my savings transfer two months in a row. £10 earned on the bay plus a bill for £2.50 for items listed/sold so far. £20 inbo£ cheque has arrived as has £5 from swaggy. So I'm quite rich really!
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • GoingToDoIt
    • By GoingToDoIt 24th Sep 17, 5:42 PM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    Wow. If I was a bit more "woo" I might think I was attracting money or something got a letter from the landlord saying that Iwill get a £35 rebate in Oct. Bay sales ended with a total of...£50!!! Have not smoked for a few days which also helps a lot. No major spends over the weekend, just a bit of shopping and the odd coffee. I have got to do some planning and prep for xmas and next year starting next week. Back to being organised! I really need to update my signature as well
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • Orange Ena
    • By Orange Ena 25th Sep 17, 9:45 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Congrats on those little win gonna, it all helps

    Have a great week
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • GoingToDoIt
    • By GoingToDoIt 2nd Oct 17, 11:16 AM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    Popping back just to keep my resolve strong! Not much of note happening, other than just trying to be good. Doing a bit of planning for xmas and next year, time to make some lists!
    The news about interest rates has spooked me. My job has now been made permanent (hooray!) so now need to see if there is a better mortgage deal out there.
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • GoingToDoIt
    • By GoingToDoIt 15th Oct 17, 11:27 AM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    Hmm I may need to do daily check ins or something. Finally updated the signature. Very slow progress in the last few months paying down the cc debt BUT £100 per month also going in the saver so come April next year a nice wedge will mature and pay off a chunk in one go.
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • Poor_Single_lady
    • By Poor_Single_lady 15th Oct 17, 1:03 PM
    • 1,103 Posts
    • 4,158 Thanks
    Poor_Single_lady
    Progress is progress. Down is down. Dont worry about the speed. And £100 a month in saving is brilliant.
    I love your posts. Keep them coming - no pressure. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • GoingToDoIt
    • By GoingToDoIt 28th Oct 17, 11:22 PM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    I still exist...have some IRL stuff happening.
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • Poor_Single_lady
    • By Poor_Single_lady 30th Oct 17, 8:33 AM
    • 1,103 Posts
    • 4,158 Thanks
    Poor_Single_lady
    Hope you are ok.
    Concentrate on RL and then we will look forward to your posts as and when/if you are in a position to. Xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
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