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  • FIRST POST
    • camz2017
    • By camz2017 22nd Oct 17, 11:57 PM
    • 259Posts
    • 510Thanks
    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 15
    • camz2017
    • By camz2017 12th Jan 18, 1:16 PM
    • 259 Posts
    • 510 Thanks
    camz2017
    They cover a vast majority, thereís a bunch of plans and I need to opt in, each has its own coverage and deductible along with employers percentage contributions. I think it will end up around $100 to $150 a month I need to pay.
    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 12th Jan 18, 6:55 PM
    • 259 Posts
    • 510 Thanks
    camz2017
    If anyone wants a Monzo invite I have a free golden ticket invite.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • Scott_Weiland
    • By Scott_Weiland 13th Jan 18, 1:00 AM
    • 736 Posts
    • 1,829 Thanks
    Scott_Weiland
    I honestly have found when Iím nice to women they take advantage of me, when Iím totally awful they try everything to make me happy. How messed up is the world that men learn being wan*ers is the way to happiness?

    Got my offer through, 77,000 USD plus 7000 bonus annually. Number wise it feels good!!! No idea of costs of living etc but will soon find out.
    Originally posted by camz2017
    Haha i have experienced this re the ladies
    Cashback Earnings YTD £8.25 Survey Earnings YTD £38.38
    • camz2017
    • By camz2017 13th Jan 18, 4:58 PM
    • 259 Posts
    • 510 Thanks
    camz2017
    So had to work out how I can work with the loss of £120. It’s basically eating into my extra payments and savings as well as making my lunch budget tight. Ahhh sucks

    Went to see the girlfriend last night, dunno didn’t really feel like seeing her or even really feel an attraction. I was just annoyed with her I guess, being a bit of an ars*hole today like said I’d meet her this evening and then ignored her all day, went to see another friend. I hate it when someone insults my personality even though I know I’m not a particularly nice guy lol. I need to man up, gonna have to say sorry and do something to make up...

    Anyways happy weekend all
    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 14th Jan 18, 12:42 AM
    • 259 Posts
    • 510 Thanks
    camz2017
    Just been in PureGym out of staffing hours... I’ve always thought what if something kicks off and nobody is staffing the place. Some guy came in looked a bit eccentric like dressed a bit g*y, you could kinda tell. A couple of black guys started shouting “you alright ga*boy?” & “this areas only for men.” One of the guys kinda glanced over to me smirking expecting me to agree. I got so angry can’t even explain, ended up shouting at these two black guys, they apologised to the guy. I’m not racist but I do think I’ve never seen a Simon or a Daniel behave like this, I’m all for including everyone in this country but I expect those very people to welcome the diversity in this country!!!! What really got to me was this guy is unlikely to come the gym in future, seemed quite new and got that. Grrrr.
    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 15th Jan 18, 1:49 PM
    • 2,700 Posts
    • 2,430 Thanks
    natsplatnat
    Blimey! What a horrible situation at the gym! No-one deserves to be treated like that - well done you for sticking up for that guy!


    Good job at re-jigging your budget after your £120 loss. The good news is a) this sort of thing doesn't happen that often and b) you can move your budget around to compensate.


    Said sorry to the GF yet?
    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 15th Jan 18, 3:00 PM
    • 259 Posts
    • 510 Thanks
    camz2017
    What am I apologising for? I don’t say sorry for things. That’s someone else’s job

    Meh my money is a mess this month but whatever, just gonna keep ploughing on and not worry too much.
    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 15th Jan 18, 4:41 PM
    • 2,700 Posts
    • 2,430 Thanks
    natsplatnat
    But.........


    I need to man up, gonna have to say sorry and do something to make up..
    Originally posted by camz2017
    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 15th Jan 18, 11:43 PM
    • 259 Posts
    • 510 Thanks
    camz2017
    Dunno just not feeling it massively, not even bothered to say sorry tbh. Can’t help my feelings... She's doesn't really make me feel positive, just says I suck, like she doesn't seem to acknowledge any good in me. If I'm honest I see and talk to other women who make me laugh and she doesn't atm. Anyway, I sound really emotional and that's weird for me lol.
    Last edited by camz2017; 15-01-2018 at 11:47 PM.
    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 16th Jan 18, 9:22 AM
    • 2,700 Posts
    • 2,430 Thanks
    natsplatnat
    Well, I would say she is either just nasty, or it's that old case of 'being horrible to someone you really like!' Either way, if it's not working for you don't put up with it 'just because'! Everyone needs a bit of laughter in their life!
    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 16th Jan 18, 3:02 PM
    • 259 Posts
    • 510 Thanks
    camz2017
    Thats nats, that's what I needed to hear

    I just called her as I'm working at home... I didn't do a bunch of explaining just said "I don't wanna date as I don't like your attitude in general, you don't make me laugh or make me feel good about stuff." She kept asking me questions and I was just like there's nothing to discuss and cut her off lol.

    I feel much happier without her debbie-downer attitude bothering me!!
    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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