Guess whose back!? The Return Diary

ShelleyC_2

CAFCGirl wrote: »

That was really ruddy lovely. Thanks Shelley.. you've made my evening:j

You're very welcome. Even though my debts have gone I'm on this board more than others its full of inspiration to stay focused on MSEing :rotfl:

CAFCGirl

OK.....

Been paid £1181 this month.
Worked out I spent £91 on totally not needed things last month like a couple of presents for DH 4 being really lovely to me, itunes and lunches at work. Shameful stuff. If I've got it to spend on carp then I've got it to spend on debts.
Esp' when MBNA have just sent me a letter saying the APR is going up to 34.9% variable. My balance with them is on 0% till March 09, which means I need to get my I.Fcom card paid off quickly to then have that extra to pay toward the MBNA one.
IF.com is currently 19.9% with £1612 on it and MBNA has £2k at 0% till March....ARGH....

Just got some dinner on in the oven, and managed a no spend day today as I took lunch in with me, just need to get into the habit more. Someone told me once it takes 28 days to build a new habit....heres hoping I can start learning!

doodledo_2

Evening hun well done for the NSD.

MBNA are in my opinion the work of the devils. They are our only credit card left and I can't wait to be shot of them.:mad:

CAFCGirl

I dunno, im torn between MBNA and If.com being the true devils of all credit cards....

CAFCGirl

Evening all

Not much to report apart from a no spend day and reclaimed the last of my work expenses so going to use this on monday to pay some extras off my credit card and the minimum WOOHOO!

Having a lazy night tonight, watching some recordings on the sky+ with DH. And then I think I might run myself a bit of a luxury bath and try to relax a bit... been having real trouble sleeping lately and i want to make the most of the extra hour tonight LOL

CAFCGirl

Another no spender for me.
Didnt quite manage the extra hour of kip, but hopefully will catch up tomorrow as day off for me.

Got my expenses money hidden away ready to take into the bank on tuesday when Im next in town to pay it off my credit card.
Got to get dinner going soon, doing well with the food, still plenty going and not been getting takeaways etc. Hoping to do a shopping list ready for next time i need to order, seems internet ordering is really working for us as we're using the food up and not spending on unneccesary things. Plus the last time we went to asda we spent £15 for one days meal, copz we spent on magazines etc, so want to put a stop to that kind of thing.

Hows everyone else been?

Purpleroses

evening!

i've done nothing today and it felt goooood! we've had thunderstorms and power cuts all weekend so not really been able to do anything.

anyway enough rambling. any plans for your day off.

CAFCGirl

well our letting agents are coming round on friday for a "routine inspection", first one Ive ever had any letting agent do, so I guess I should have a bit of a tidy up. Need for find the 2for1 vouchers on Handbag for either Ask or Strada as we are all going to go out from work on wednesday and want to save us all some money.

That and formulating my budgets and overpayments for credit cards etc, not much planned.

I love thunderstorms!Not a great fan of powercuts though!

bella2121

Hi everyone!!

Hope we all had a nice weekend! :j i've had a fab weekend won over £140 on bingo, this was using £40 of my money which is didnt deposit until i had won thus to cover the ammount i was depositing so not losing any money, if this makes sense, so over £100 profit woop woop!!!!!:D

OH has also won the bonus ball at work £360 and the one in the local pub £47 yeahhhhhhhh!!!! I deffo feel more positive that we are getting a bit of luck for a change :T

Glad you doin well with the debt overpayments, i'm trying to overpay too, even if its just an extra £5 per month on each (hopefully this will make a difference)

Back to work tonight after a week off sick so that should be fun never mind should hopefully hear about this new job this week, it isnt extra money it is exactly the same but is more my sort of thing so still crossing fingers, OH still hasnt heard anything about his new job but again fingers crossed.

did plan to peg the washing out as the sun was shining and the sky was blue (a bit) but its now greay and raining never mind

Have a nice day everyone!!! xx

Purpleroses

oh well done bella thats fab!