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  • FIRST POST
    • camz2017
    • By camz2017 22nd Oct 17, 11:57 PM
    • 268Posts
    • 511Thanks
    camz2017
    Paying off debt to freedom
    • #1
    • 22nd Oct 17, 11:57 PM
    Paying off debt to freedom 22nd Oct 17 at 11:57 PM
    Started my debt free diary, 31k in the red. The way I see it, the sooner I can become debt free the sooner I can live my life.

    I am starting this diary as I have always kept my debt to myself, and I split with the girl I am seeing today... I think all of my debt and worries have meant I just ignored her, I feel bad I have literally said almost zero to her for the past 3 or 4 weeks, blanking her messages just thinking of my own mess. I was unsure how to tell her what is going on so I got kinda messy and couldn't explain myself and she naturally assumed I was hiding something and jumped to I have cheated...

    Had a huge argument where she told me I encourage women to throw themselves at me and I am a psychopath, I'm a sociopath, and a horrible human being with no conscience guilt, can't remember what else, but basically told me I'm a horrible human being. I mean I can be an !!! at times, and I am quite nasty if I'm moody, but I do really care about those around me I feel sad my debt has caused this for me, as I'd have been fine otherwise. Amazing eh how debt can impact so much.

    Anyway, felt like time to get my stuff together, get a diary going and vent out a little bit.

    I imported all my spending for the past 4 months into YNAB, and it was frankly disgusting how I spent over £80 a month on fast food alone! So bad for my budget, and also my health! Likewise I spent £109 on average per month dining out!!! I have done a budget for next month, where I have said no fast food, and halved my dining out (with a view to phase out). I just think I am best to tackle one problem area per month, whilst keeping myself on budget and not going over into more debt. If I go crazy all at once, I know me, I will break everything and go wild.
    Last edited by camz2017; 23-10-2017 at 12:00 AM.
Page 13
    • camz2017
    • By camz2017 5th Jan 18, 2:24 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    Sold some bits today, an old WiFi router, external hard drive I never use, and a WiFi booster I found laying around from previous tenants.

    I need to get some stuff for work as I've lost weight and gained muscle and things don't fit well now. I feel really unconfident in my current work gear, don't have my usual personality shining out lol... So going to use the £60 or so (after postage and fees) to get a couple of shirts and trousers. Kinda essential purchases in my view.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • natsplatnat
    • By natsplatnat 5th Jan 18, 5:23 PM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    I'm also feeling more confident of my debt free date, as naturally with the salary rises, I will be able to pay more off.
    Originally posted by camz2017

    So.... you know your rough pay increases and roughly when they occur, so you can see what your future debt repayments could be... and you could look to see how this changes your debt free date!! Should bring it forward quite considerably! (sorry, any excuse to play with a spreadsheet and I'm there!!)


    Great news on the fleabay sales! So a little shopping spree is on the cards!? Have fun!


    ps, what was the girlfriend cooking to use sooo much oil?? lol
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • camz2017
    • By camz2017 5th Jan 18, 7:09 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    Nats now you’re making work for me!!

    Not sure £60 is a shopping spree, maybe £600!

    She was cooking omelette, sausages, fried toast, bacon, hash browns and beans. The oil was mainly in frying the hash browns and fried toast.

    I’m quite bad with oil though, she shouted at me yesterday because I pour oil on my pasta as I cook... I just thought that was normal.

    Activities for the weekend, try to get some space away from the girlfriend lol, need some me time, meeting a friend tomorrow for brunch at somewhere I know the prices are reasonable, go gym both days, buy work clothes, wash work clothes + iron + clean house, drink my housemates milk again to annoy them (just kidding - hate this housemate!!!!).
    Last edited by camz2017; 05-01-2018 at 7:59 PM.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • camz2017
    • By camz2017 6th Jan 18, 4:27 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    I'm sooo upset, went out and the brunch place was being refurbed so we ended up in a place that serves half the food at twice the price! I'm a big guy, a small mini person sized portion doesn't do anything it just gets lost in my pit of stomach. So I ended up getting chips as well, more money spent!

    I feel like such a fat blob now, came home and made waffles with ice cream and chocolate sauce all over oreos. The brunch just didn't hit the spot. I then made some sausages (like the whole packet) and ate them on their own with my friend.

    Always the worst when you spend too much and it's not even that good!!! The girlfriends coming over later to cook for me, the only reason I messaged her was to see if she wanted to cook me food later, but I pretended I was interested in how she was before slipping it in there She's apparently bringing some amazing steak over that her mum got from one of these fancy cooking websites meat delivery thingys (not sure either what that is lol).
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • camz2017
    • By camz2017 8th Jan 18, 10:42 AM
    • 268 Posts
    • 511 Thanks
    camz2017
    Happy Monday everyone

    Back to my 5am routine!!
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • jemreading
    • By jemreading 8th Jan 18, 11:42 AM
    • 285 Posts
    • 332 Thanks
    jemreading
    Happy Monday!

    5am! I get up at 5:30am on a Monday to go gym and that is a struggle!!
    • camz2017
    • By camz2017 8th Jan 18, 12:00 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    Free dominos pizza at lunch today. I’m the guy with pizza stacked 3 layers on my plate...

    & yeah dude I do 5am to avoid London traffic which picks up around 7am, else it’s manic!
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • Mumoffourkids
    • By Mumoffourkids 8th Jan 18, 12:06 PM
    • 258 Posts
    • 920 Thanks
    Mumoffourkids
    I was awake at 5.30am this morning but only because it was a new week and I wanted to budget my money on YNAB. How sad is that?

    Do you get up at 5am every morning you work?

    And yeahhhh to free pizza. I like free pizza!
    Total debt Dec 2017 £20806.29/£23090.83 10% paid
    Debt no 1 £198.85/£593.29 ~ Emergency fund £37.50/£600
    PAYDOBX2018 #97 £2284.54/£12,000 ~ Make £10 a day #16 £98.88/£62
    20p savers 2018 #95
    NSD Jan 2018 2/12
    • timetobefrugal
    • By timetobefrugal 8th Jan 18, 12:37 PM
    • 77 Posts
    • 212 Thanks
    timetobefrugal
    Just thought I'd check in and say hello again!

    I have to admit I your diary makes me chuckle on the romance front lol!!! I'm almost 28 and have been single for 4 years so gives me an insight into the single care-free world

    Anyway, you've just reminded me I've got a wireless router and skybox to get on ebay!

    Keep up the good work
    Debt Total October 2017 £20,511.27
    • camz2017
    • By camz2017 8th Jan 18, 1:08 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    I do indeed get up at 5am every morning I work. I head up to the gym and get my workout in, either 1 or 2 hours.

    Here is my desk currently:

    It makes me laugh all the fat people getting just one slice. Like we’re supposed to believe they got that way with one slice and lettuce!

    I might get more...

    & fair enough, single for 4 years?! I’m assuming you’ve had some romance and stuff during that period? TBH I might be single again soon - I can’t deal with relationships.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • timetobefrugal
    • By timetobefrugal 8th Jan 18, 1:30 PM
    • 77 Posts
    • 212 Thanks
    timetobefrugal
    Well my diet was going well until you posted that! I haven't had domino's in at least a month

    And no, no romance for me, I'm a date-a-phobe! Had 1 date arranged last year then blocked him on whatsapp because I chickened out

    Anyway, relationships aren't for everyone, keep up the good work
    Debt Total October 2017 £20,511.27
    • camz2017
    • By camz2017 8th Jan 18, 2:04 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    Wow that’s a long time, what do you think is holding you back? Confidence, body image, nerves? If you’re London based come on a date with me Call it a practice round... seriously though what’s the worst that can happen, you’re just meeting a random person and either get on or do not, but either way you’re going to be fine afterwards and go on your merry way. It’s no different to meeting someone in the kitchen at work and having a chat, only you’re out in a different setting.

    ... & re diet I’m having a salad later, maybe egg salad, will decide this evening.

    Like how you describe my life as the single care free world, honestly couldn’t care less I think care free sums it up. It’s also why people hate me lol, too care free for most.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • timetobefrugal
    • By timetobefrugal 8th Jan 18, 2:48 PM
    • 77 Posts
    • 212 Thanks
    timetobefrugal
    Think I'm just a creature of habit, in my defense I don't have a lot of spare time or cash to be dating! I'll download a dating app and get fed up after a few days......

    Do you tack macros? I've started doing it this past week hoping it will help me stay on track and shift some lbs.

    As long as you are happy and not breaking too many hearts that's all that matters, live life how you want too!

    On another note think our DFDs are pretty much the same, let's see if we can celebrate on here in 4 year's time
    Debt Total October 2017 £20,511.27
    • camz2017
    • By camz2017 8th Jan 18, 2:55 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    I track macros religiously, if it fits in my macros I can eat it. Macro wise a salmon steak and rice can be quite similar to a burger! I have my bad days like today where my macros will be off but my total calories will be on track. I have my fitness pal plus so I can see my remaining macros not just calories.

    Ask yourself if you’d be happier to have someone around, if so make it happen. That’s how I decide everything I like to try new things and do new things, life’s short. I don’t break too many hearts - I don’t end up with people long enough

    Will checkout your diary properly later.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • camz2017
    • By camz2017 8th Jan 18, 8:38 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    The girlfriends got super weird because Iíve told her I donít wanna see her tonight... Iím not in the mood so Iíve told her Iím not replying until she says sheís sorry. Maybe Iím a control freak but whatever she can deal with it. got a bunch of new hires joining tomorrow, theyíve done HR intros today, 3 of the guys are basically graduates. Itís gonna kill me having to work with them for sure, they will make silly mistakes and itíll put me in a bad mood lol. Anyway, if they suck they will soon fix up, nobody likes working until 10PM to fix their mistakes. Learn or have no life thatís how I teach.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • camz2017
    • By camz2017 9th Jan 18, 9:03 AM
    • 268 Posts
    • 511 Thanks
    camz2017
    Gone for strength 10 out of 10 coffee in preperation for the graduates.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • Mumoffourkids
    • By Mumoffourkids 9th Jan 18, 11:42 AM
    • 258 Posts
    • 920 Thanks
    Mumoffourkids
    Hope the graduates aren't too bad today Camz!
    Total debt Dec 2017 £20806.29/£23090.83 10% paid
    Debt no 1 £198.85/£593.29 ~ Emergency fund £37.50/£600
    PAYDOBX2018 #97 £2284.54/£12,000 ~ Make £10 a day #16 £98.88/£62
    20p savers 2018 #95
    NSD Jan 2018 2/12
    • natsplatnat
    • By natsplatnat 9th Jan 18, 4:25 PM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    The girlfriends got super weird because Iíve told her I donít wanna see her tonight.
    Originally posted by camz2017

    Ah, but did you do it in a nice way?


    Hope your day wasn't so bad? I am definitely not a patient person and I expect any new recruit to be able to understand and apply what I am telling them pretty much instantly!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • camz2017
    • By camz2017 9th Jan 18, 9:08 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    How do you tell someone nicely that you donít wanna see them?!

    I just said ďIím tired I donít wanna hangoutĒ & she was all ďso you donít wanna see me.Ē & I was like ďyeah donít come over tonight.Ē Appreciate that was winding her up but Iím not gonna try and cater for her silliness, she hasnít apologised yet so itís stalemate. Iíve had 16 WhatsAppís today not a single one contains the word sorry, so Iím not replying, she got up this morning and messaged me like nothing has happened.... just no. I made it crystal clear she needs to apologise last night.

    Graduates were ok I took them out for pizza and drinks (will expense it back), a couple of the guys play rugby so I like them automatically, they also happened to be the ones good at IT so theyíd fall into my realm. Both keen on gym, got my humour... seems we finally have some normal graduates join the team and I wonít be trying to get them out of my team lol. The graduates usually end up hating me for a while until they get upto speed and then we get on well, Iím trying to be nicer this year as you all know hence my pizza and drinks which I organised this morning. Iím gonna try and be nice, I usually take a lot of pleasure in giving them super tight deadlines to watch them suffer loool, gotta get my fun somehow. Nicer me anyways, need that good karma.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • camz2017
    • By camz2017 9th Jan 18, 10:59 PM
    • 268 Posts
    • 511 Thanks
    camz2017
    Just got home and the cleaners left us some chocolate and snacks wishing us happy new year.

    All mine now...
    Free food to me, yay.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
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