Icka's get out of debt/become a millionaire/international super model diary

icka

Hi Guys

I have started two diarys before but have never stuck to them. But this time I am 120% determined to get debt free and become Britians next top model

OK Where do I stand, well sit actually as Im sitting (god I'm so funny, well I suppose its good that I can laugh rather than cry).

I got sick in January and had to have a op, and was off work for 5 months, found it almost impossible to get a job when I was back on my feet. Like really impossible. I'm a recruiter/HR and with so many people being laid off at the moment, the recruitment sections in companies are normaly first to go.
Well anyway my bills were mounting and mounting and as I had no income for 7 months things got kind of out of control.

So after really long hard consideration and I mean long and hard i decided my only option was to move back in with my parents until I got back on my feet. I turned 30 this year and I havent lived at home since I was 18 so this was a really tough decision.

So at the moment. This is my SOA

I have paid up rent until end of month

I owe

£300 in bills (we didnt pay them for a good few months)
£450 loan to friend
£1900 overdraft
£2000 car loan
£4500 college fees (due September 2008)

Ok I know in comparisson to everyone else its nothing but to me its massive as I have no income

Income £0

So from tomorrow I'm going to start training with my dad so that I can work for him in a few weeks when I am trained up. I have no idea how much that will pay.

at the moment my parents are not charging me rent or anything, but thats only because they are fantastic people who are probably really embarrassed to have their 30 year old daughter home and still unmarried:o . I have two brothers who are the most sorted together people on the planet, where did they go wrong with me.

Now for the super model bit, since I got sick I put on two and a half stone, So I have a wardrobe of clothes that dont fit me. So I am determined to get back in shape and obviously then Lisa Snowdon will be banging down my door. At the moment I look more like those beautiful curvey ladies on Goks how to look good naked (apart from the fact that I dont, I am so white I am almost glow in the dark, my skin is a lovely blue colour and that with celulity is alway a winning combination).

So what the plus sides. I have managed to borrow my Dad's gym membership, well they have given him complimentary passes for a guest (moi) for 5 sessions. So I have taken my tubby bum to the pool for the last three days. Talk about torture, after one lenght I thought I would have to be surgically removed from the pool:o I was clutching the walls for dear life. How did I manage to allow myself to get so unfit and so out of shape. An ex of mine once said to me, its ok as long as your belly is not bigger than your boobs, unfortunatley this is not the case at the moment:mad:

So ladies and gentle men, I am going to lose 2 and a half stone, become an olympic champion gymnast, an international supermodel and have al my debts sorted out by Christmas......................................................................................

Well I know I am asking for miracles but I am not in bad form I think making the decision to move home was so hard it made me really ill, I was having panick attacks and was a real mess. When you hit rock bottom the only way is up. We are al lying in the gutter but some of us are looking at the stars:rotfl: .

So my dear friends I am going to get my life back on track hopefully with your help

look forward to your help

Icka

xxxx

hypno06

Loving the optimism and the title of the diary!!

I have "corned beef legs".......attractive, huh!!!

lilmissmup

Hi Icka :hello:

I hope this diary helps you a lot, i am sure you will get lots of support, have you thought about signing up for any survey/cashback sites?

http://forums.moneysavingexpert.com/showthread.html?t=978759

Has a list of all the quidco free trials and sign ups, that should help you get started.

icka

Hi ladies

Going to do that tonight and read properly throught the comping thread. And Hynpo:D when you have cornbeef knees like me you know its time to do something.

I am however leaving the house at 8pm to go to the pool. I have my dad for support he is super hasn't seen me in about 6 months and very carefully said in the sweetest voice "maybe its time me and you went to the gym" the other day, how cute is he. Better than saying look lady enough is enough you fat mare time to move you lazy !!!.

But I think its the kick I needed.

So ill be all clean and shiny when I talk next and very very fit and fabulous:D
If only people like me were rewarded for even going to the gym/pool instead of talking about it. Like actually physically putting on the trakki and arriving in the building and stepping on a machine automatically you would lose 1/4 pound

xx

lilmissmup

Hope the gym went well, you will be a super model in no time at all

icka

Well I am back from the pool. I managed about 15 lenghts (not altogether obviously ). I am still very proud of myself. Also on my way to supermodeldom - well if you are going to be a model you might as well go the whole hog none of this sily catalogue stuff, go straight for the Victoria Secret contract, myself, Gizel and Heidi:D

Anyway I actually brought exfoliator for my body, have not done it in months. When you feel awful about money, you get really down and you just dont care anymore:( , But not anymore, Supermodels have lovely soft skin.

So new list

• Going to try to do some sort of exercise every day
• Going to cleanse, tone and moisturise my face
• Look after my health and
• Take more care of my appearance.

When I came home from gym I had made a lovely soup OS Boiled up the chicken carcass earlier and added veg, didnt have any packet chicken soup only thing left in cupboard was half a pack of tomotoe so i chucked it in;)
And strangely enough it came out lovely my very own MSE OS creation. :T

Think Nigella is shaking in her boots:rotfl:

So just wanted to tell you I feel really clean and the shower and hair dryer in the gym are so powerful, so I didnt waste anything at home.

icka

Just been speaking to my Dad, I though I was going to start training with him tomorrow but I picked it up wrong.

I have to get registered first which takes about 8 weeks then I can start training:eek:

OMG What am I going to do for money, I have nothing absolutely nothing well thats not true I have abot £22 and debt mounting by the second.

Maybe I should get some sort of benefits or something sorted until I can get a job, but how do I even go about starting to do that. Oh I was so happy and so sure everything was going to be ok.

I have a DD phone bill of £109 out in a week and £200 car loan repayments etc etc etc.

Ok getting really nervous and scared now. Thought by putting my head in the sand like an ostrige (no idea how to spell that) it would all magically go away.

More time on the debt busting/getting an income and less time on the model crap I think

You know Im not seriously thinking I could be a model don't you. I just have a quirky sense of humour and I know you dont know me. Ok sorry Im getting all upset and explainy now - I know you knew that.......:o

ok going to try to have another think

kika

How are you? Hope you ok and keep thinking positive, must be something you can do.

icka

Hi Kika, I'm ok now, just had a bit of a panick attack but I'm ok. I manage to get myself really stressed and worked up over stuff.

I had to move away from the city, all my friends, my BF everyone. My BF off to portugal tomorrow golf and then off to Marbella for a wedding, I was invited to the wedding not the golf. But I could not afford to go. I just have had to say no to so many things recently. He has offered to pay my flights, accommodation etc. But it is a posh wedding and I would need new clothes for like 5 days and as none of my normal clothes fit, it would just be a financial disaster.

At least Im not borrowing money to go to the wedding how dumb would that be. So at least I have learned that much.

Just been on the phone to BF he is kinda of annoyed that I wouldnt go since he is paying for everything and all his mates partners will be there. Ah well it just makes me more determined to get out of this mess.

Going to bed now.

Sweet dreams

xx

kika

Goodnight you know you're doing the right thing debt is horrible to have over you.

icka

Just wrote a really long reply but its gone:mad: .

so in short, I didnt do very well today. Woke up feel very poorly had terrible pain but it went after a few hours so thank god for that. The house was like Clapham junction today there were so many people in and out. So I didnt get to do any thing pro active in regards my finances today. But tomorrow I will

• Set up a paypal account - does anyone know do I need a credit card to do this?
• Contact local benefits office to try to get something to pay off my direct debits for at least one month.
• Sort out clothes for ebay, charity and to keep

(Do you think I should throw out/sell my clothes that dont fit me anymore or should I keep them in case I actually make it back to being that size???

• Go for a walk with my mum she really needs to learn to relax and move her body she walks like a board
• Ring college and ask do they do a payment plan for fees
• SWIM
• Have porraige for breakfast
• Stop eating honey roasted peanuts (I know they are nuts and good but the honey and the sugar is bad, really bad:eek:
• Try to rescue some wardrobe space as my mum has now her clothes in my dads, my two brothers and my wardrobes - there is absolutely no and I mean no space left and she says she has no clothes:eek: , guess I know where my careless spending came from.

Good things I did today

1. Swam
2. Ate porraige
3. Make my mum take back the ridiculous portaloo thing my dad brought home from lidl yesterday:eek: , yes you heard me right, Lidl have a lot to answer for do they not realise that men are gadget crazy, and will buy anything, and I mean there is no logic in what they will buy if its a gadget :eek: . So we got some groceries instead for the money and my mum never shops there so it was a really big break through.
4. I have also gone around the house turning off lights in rooms where there are no people:mad:

Ok I will hopefully talk to you soon thank you for listening its great to just spit it out
xx