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  • FIRST POST
    • camz2017
    • By camz2017 22nd Oct 17, 11:57 PM
    • 147Posts
    • 184Thanks
    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 6
    • DebtFreeFrog
    • By DebtFreeFrog 28th Nov 17, 12:54 PM
    • 42 Posts
    • 83 Thanks
    DebtFreeFrog
    Hi Camz.

    Great news about the payrise in Jan! That should make a big difference

    Sorry to hear that you're hating work today, not long untill you finish for Christmas though. Just under 4 weeks for me
    07/11/17 £8199.31 Debt
    • camz2017
    • By camz2017 28th Nov 17, 7:38 PM
    • 147 Posts
    • 184 Thanks
    camz2017
    My day just escalated to me being in a super bad mood by the time I got the tube home, likes one of them moods where I just want to frustrate people. It was so busy, and some mega short fat guy was behind me leaning against the doors between the tube carriages. I on purposely just backed up as close to him as I could be, I swear his nose was touching my back at some stages. I knew I was really annoying him as he kept on purposely knocking my back lol but I literally couldn't have cared less. When I'm in a super bad mood I become major sadistic I swear. Anyway I think I was just lacking sugar, on this health kick I'm doing I've totally cut it out, came home and had a lucozade orange, back to being nice and smiley.

    On another note, went to my client at around 2PM, they have free soda, snack bars and chocolate, so as I left the kitchen was empty, filled my gym bag with 6 coca colas, 12 cereal bars and 4 big galaxy bars lol. The client is always like "help yourself" so I certainly did. Walked home looking all fit and healthy with my gym bag full of junk foods. Anyway, the point is, free food = money saved!
    • Midgetgem82
    • By Midgetgem82 28th Nov 17, 7:50 PM
    • 71 Posts
    • 604 Thanks
    Midgetgem82
    Free food! woohoo!!! Nothing better than a freebie.
    I get super grumpy and !!!!ed off if i dont have my morning coffee so totally understand how lack of sugar can put you in a grouchy mood. Hope you have a stress free evening
    DEBT FREE WANNABE
    H+M £72.89 NEXT £319.56 22.9%APR BARCLAY CARD £352.90 26.43%APR ARGOS CARD£38.26/ £698.02 29.9%APR VERY £221.19/ £1825.21 47.9%APR
    • camz2017
    • By camz2017 28th Nov 17, 8:00 PM
    • 147 Posts
    • 184 Thanks
    camz2017
    My evening is planned to be super relaxing, currently in the bath with the lights dimmed, watching some stuff on my phone. Then got a friend coming over, she gives the best back massages in the world, so I'm going to go into my own little world at around 9PM... Also cooking up some chicken and fly light potato slices to eat in around 30 mins when the baths done with. Will likely eat again with my friend.

    Likewise - hope you have a nice evening thanks for posting!
    • camz2017
    • By camz2017 29th Nov 17, 10:51 AM
    • 147 Posts
    • 184 Thanks
    camz2017
    Went the gym this AM - Body fat back at 9%, feel so happy
    Checking out this Huel shake diet next week, £45 for basically the week of food, hoping to get down to 8% and get the abs really showing before xmas (so I can eat everything I see over christmas lol). The shake diet should keep my grocery spending under control at least.
    • natsplatnat
    • By natsplatnat 29th Nov 17, 12:42 PM
    • 2,650 Posts
    • 2,343 Thanks
    natsplatnat
    Afternoon cambz,


    I sooo agree on the grumpy through lack of food front... and if combined with lack of sleep, then watch out world for I will not be a nice person!! It's when I suffer from the above I realise how many 'filters' I have in place. When tired/grumpy I don't appear to have the energy to maintain said filters and my mouth runs away with me!! I realise I am fairly sarcastic on a good day, so on a bad day everyone notices! lol
    Your evening sounds lovely - I spent mine with a glass or 2 of wine updating meter readings and logging warranties for the new oven AND microwave we had to purchase over the weekend as both went POP! Circuits class tonight. Love my mid-week class; 1 hour of hell! - keeps me level for the rest of the week, or I find I even the littlest things frustrate me and I could literally kill people!


    Have a great day today!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, 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 29th Nov 17, 4:02 PM
    • 147 Posts
    • 184 Thanks
    camz2017
    I NEVER have enough sleep, often get to sleep at 1am and get up at 5am for the gym.

    Last christmas we did a secret santa and had to also give an "award" - I got given a piece of card which said something along the lines of "worlds greatest c*nt award," everyone else had nice ones like "best football player." Fab... lol

    Good to know I'm not the only one!

    My Huel arrives tomorrow, I dipped into my budget for Friday onwards to buy it, but as I'm starting it on Friday that's fine - just needed to get delivery for then... I'm somewhat petrified as I'm such a foodie so only anticipate I will do it for 1 week. It's got 150g of protein if you do it for the whole day, which is good, so I plan to add 1 protein shake at 30g and be done with, basically a full shake week. I bet I am going to be the nastiest piece of work the whole week lol, like I will go to hell just for my behaviour in this 7 day period. BUT if I look good, then fantastic.

    I know I don't have the money, so any christmas money I get (prob around £200) + hopefully another £100 I can save up, is going towards me doing a 3/4 day all-inclusive getaway on my own. I've done it a few times, I don't spend anything whilst there, apart from basic essentials like bottled water and just relax on the beach for a few days, switched off from everyone and everything. Post some instagram pics, relax, clear my head. I can usually get something for £250ish off-peak season... Else Imma go mad lol. Anyway, will only be doing that IF I save enough from my weekly budgeting.
    Last edited by camz2017; 29-11-2017 at 4:07 PM.
    • natsplatnat
    • By natsplatnat 29th Nov 17, 4:20 PM
    • 2,650 Posts
    • 2,343 Thanks
    natsplatnat
    My love of sleeping is why I will never make it to the gym at 5am! I have to mentally wrestle myself out of bed to make it to work on time!
    "5 mins more"
    "I really HAVE to get up NOW"
    "Just a couple of minutes more!! I'm sure the traffic wont be bad today"
    "you'll be late!"
    "No I won't - do I have to work today?"
    "Yes I do - now I had better get moving"
    And so on.... anything less than 7 hours in one night and I'm a little frazzled - less than 7 hours for multiple nights and everyone needs to look out!


    Ooh, winter sun! I would love that!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, 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)

    • Midgetgem82
    • By Midgetgem82 29th Nov 17, 4:27 PM
    • 71 Posts
    • 604 Thanks
    Midgetgem82
    Good luck with the shakes diet. I couldnt do it myself, i know a few people who have done various brands shakes diet and have all dropped weight/fat but failed to keep it off long term and i personally think they are expensive.
    I love to get away on my own. As soon as school holidays arrive my kids go to stay with their dad who lives 4 hours away ( its the only time they see him) i go off in my car travelling, generally cornwall and devon and spend my time mostly alone, relaxing and re-centering myself. These next holidays will be the first time ive attempted this on my new budget so not sure how this will work out for me.
    It's a really good goal to set yourself and something awesome to aim for
    DEBT FREE WANNABE
    H+M £72.89 NEXT £319.56 22.9%APR BARCLAY CARD £352.90 26.43%APR ARGOS CARD£38.26/ £698.02 29.9%APR VERY £221.19/ £1825.21 47.9%APR
    • camz2017
    • By camz2017 30th Nov 17, 12:19 PM
    • 147 Posts
    • 184 Thanks
    camz2017
    7 hours would be lovely, but I just don't think it's going to happen anytime soon. Women absolutely hate me when I get them up at 5am and kick them out

    I also have a mental struggle to getting up, but I just tell myself the old nike slogan "just do it" lol.
    https://i.pinimg.com/originals/9a/18/ac/9a18ac015677382f1c3fbf82b3416696.jpg

    Yeah I love going away alone, my own rules. Not for long though but enough to get settled.

    &yeah I'm sure I will hate the shakes, but they are full of everything the body needs, and an easy way to calorie control myself. It's less about what I want, more about the end goal. Plus being single now, I need to look good, good looks make women overlook my mean streak price wise - it's less than I end up spending on groceries, I can't help myself when it comes to food, end up spending way too much on what I eat, so this will control that a bit too!
    • camz2017
    • By camz2017 30th Nov 17, 1:11 PM
    • 147 Posts
    • 184 Thanks
    camz2017
    Tried some Huel - it's disgusting - you are all going to hear me moan and moan for 7 days.
    • DebtFreeFrog
    • By DebtFreeFrog 30th Nov 17, 1:24 PM
    • 42 Posts
    • 83 Thanks
    DebtFreeFrog
    Rather you than me.

    Hopefully it will be worth it

    My partner gets up at 5am to go the gym too, I hate that stupid alarm
    I am not a morning person and stay in bed as long as possible before I get up for work.
    07/11/17 £8199.31 Debt
    • camz2017
    • By camz2017 30th Nov 17, 2:31 PM
    • 147 Posts
    • 184 Thanks
    camz2017
    Had posted a pic up but deleted it, you never know who's lurking and links it back to me! hahaha i'm that annoying guy for sure with the alarm, only difference is I kick the girl out the bed with me loool! Unless it's someone I've been seeing for a while, then they can stay. I'm worried about this Huel diet I committed too, it seems worse than just doing a protein shake diet. Ahh well, I can get backup Iceland Pizzas for £1 to get me by if necessary.
    Last edited by camz2017; 30-11-2017 at 2:33 PM.
    • DebtFreeFrog
    • By DebtFreeFrog 30th Nov 17, 3:15 PM
    • 42 Posts
    • 83 Thanks
    DebtFreeFrog
    Haha!

    Yes Iceland Pizzas are a great back up, I have them in for a cheat meal to stop me from spending money on a takeaway.
    07/11/17 £8199.31 Debt
    • camz2017
    • By camz2017 30th Nov 17, 3:52 PM
    • 147 Posts
    • 184 Thanks
    camz2017
    Currently drinking one of my cokes from the office the other day, eating chocolate (also from said office), on tinder (working hard haha)... In the past I would have got deliveroo for sure. If I have 2 of the shakes (900 cal) and this chocolate etc that should be fine... Found one of my ex's friends on Tinder, we matched lol, always a real thrill when that happens especially if they write back. Gonna leave it a few hours and then message... This is for sure how I will end up getting water (or perhaps something worse) thrown over me again.

    Anyway point is I'm not ordering food in, or being reckless as I used to would have been & I am going to stick to the shake diet, just for breakfast and lunch (until I drop that 0.5% Body Fat anyway).

    ...Time for a run, last time I ran at this hour I kept bumping into little kids, maybe today I will stampede over one and get done, find myself in the daily mail tomo.
    Last edited by camz2017; 30-11-2017 at 4:09 PM.
    • natsplatnat
    • By natsplatnat 30th Nov 17, 5:21 PM
    • 2,650 Posts
    • 2,343 Thanks
    natsplatnat
    Had posted a pic up but deleted it
    Originally posted by camz2017

    Saw it!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, 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 30th Nov 17, 7:45 PM
    • 147 Posts
    • 184 Thanks
    camz2017
    Saw it!
    Originally posted by natsplatnat
    haha, someone was snappy to read my thread! I'm a bit of a poser, won't lie... Hope you felt sorry for little old me stuck in the cold cold city ps my run was nice, gonna head out now and buy some bottled water, the water here is literally dirty, must be some broken pipes or something.
    • camz2017
    • By camz2017 1st Dec 17, 1:25 AM
    • 147 Posts
    • 184 Thanks
    camz2017
    Ex sent me a bunch of abuse again... Oh my days, it's like never ending.

    SHE IS CRAZY LOL!!!
    On another note been browsing the forums for these surveys etc, anyone have much luck on them?
    Last edited by camz2017; 01-12-2017 at 11:50 PM. Reason: removed pics of personal messages
    • natsplatnat
    • By natsplatnat 1st Dec 17, 8:43 AM
    • 2,650 Posts
    • 2,343 Thanks
    natsplatnat
    On another note been browsing the forums for these surveys etc, anyone have much luck on them?
    Originally posted by camz2017
    Another interesting evening for you then!


    On the survey front, I have done a few - Toluna, OnePoll were ok... found them a bit of a slog. There are loads more... Pinecone, Yougov (I think) etc. There's swagbucks too.
    Prolific Academic is good; its more proper research based than random and pays fairly well. Saying that it has slowed a bit recently (but I've had £140 out of it in just over a year and I am sure I miss loads opportunities on there when I'm working!) pm me if you would like a referral link.


    Are you signed up to cashback sites? I find these return a good amount each year... Currently waiting for around £80 for 2 car insurance policies. Definitely worth it.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, 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 1st Dec 17, 10:03 AM
    • 147 Posts
    • 184 Thanks
    camz2017
    Hahaha, well if I'm totally honest I'm kind of enjoying how wound up she is Promise I'm a good guy deep down, I mean well.

    I will PM you shortly.

    Re cashback, had over £1000 on Quidco over the years, and TopCashback around £100, agree they are great!
    Last edited by camz2017; 01-12-2017 at 10:22 AM.
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