Single and in debt.

Bowski_1011

Hello everyone :hello:

I've been so busy I've not even switched my computer on for 5 days!!! thats never happened before lol My laptop had to go away to be fixed and I couldn't be bothered with the pc as its alot slower and isn't able to come to bed with me!!

Lula..I am fine, and thankyou very much for asking By the way I TOTALLY agree with you about Brandon, he's the most gorgeous man I've ever seen. I'm gutted I missed him on Jools,Did he have his tash? I prefer him without but who am I to be choosy haha! I'll maybe be able to get it up on tinternet?! Well done on losing 2lb this week, thats fantastic!!:beer:

Eco...welcome back, glad you had a good holiday. I'd love to organise a holiday myself for just me and DD but I don't think it would happen, I am so rubbish at organising things, I could never trust myself. Have you any ideas yet for what you fancy next year??

Ukbabe08.. hello:hello: I agree with the others, you're lucky to be sorting yourself out at such a young age, well done! :T

Rugbymum thats great news, I do remember you saying you'd met a fella when you came back. I'm glad its still going good, You're gonna have a great xmas aren't you!! Well done on the weightloss.. 3 dress sizes! Thats blummin brilliant! I've lost 2.5 stone and have only just gone down 1 size, not that i'm complaining!;) I know how ya feel bout the jeans, I have to wear a belt too and I'm not too keen on buying new clothes when I'm hoping to lose more weight, yet I feel a complete dosser when I open my felt and my jeans fall down

I can't believe today I didn't wake up till almost 12 o'clock:eek: that hasn't happened in a very long time!!! I havent stopped for days though and must have really needed it!! I normally don't go to bed until 12-1ish and on monday night I went to bed at 10pm and woke up thinking 'my alarms gonna go off any minute I might aswell just get up now' and when I got up and looked it wasnt even 12am I couldn't believe I felt like I'd had a full nights kip when it was a time I wouldn't have normally been in bed!! It felt great tho knowing I had all those hours ahead of me. But come 7am I soooo did not want to get up! Typical aint it!!

I got my xmas vouchers on tuesday so wednesday went up town and spent £120 worth of them, I was so excited, I havent had hands full of carrier bags for months now and I thoroughly enjoyed it. Still got £80 left of them so this year is going to be the first year I haven't got myself in debt due to xmas. What a great feeling.

DD's birthday on monday so I'm really excited !! I'm gonna go get dressed now and get up town for the last bits. I just need banners a card and wrapping paper. Can't believe my baby is goin to be 10. I'm so proud of her :grinheart :grinheart

I hope everyone has a good weekend !!

sarahb123_3

Lula-Hula wrote: »

Sarahb - I am quite the dumbest of the dumb have just done some maths & it turns out that excluding ( that's where I was dumb :rolleyes: ) the rent, council tax & water rates my weekly expenditure - as long as I dont go over £35 for groceries - is £ 93 a week so with child benefit added in I'm actually already doing the £4,000 challenge :doh:, well, I've been attempting it for the last 3 weeks anyway, still scared at the thought of signing up to the challenge though, I hate failing at stuff .

I know what you mean about being scared to sign up, the people on that thread are brilliant, I don't know how I will manage, I don't want to let people down and I also hate failing, I can stick something for a month or two, but a whole year seems a very long time. I just have to keep thinking about buying a house, if I could stick it out I would have a very nice amount for a deposit, and with house prices coming down I might be in a position to buy. But I have no idea how I will keep away from shoes, bags, clothes, books etc. (Have a sneaky feeling I will do very well at not buying toiletries). The only way I will be able to do it is to keep away from the shops for a year:eek:.

I will just have to keep reminding myself of the benefits, and it will be worth it if I can get a house at the end of it, am even thinking about whether I could do it for 2 years, then I would be in a very good position. But this is what I do, I make big plans, fail, then buy shoes to cheer myself up. I think I will try, then if I fail I will sneak out like I have with other challenges, and hope no one notices:o . Am kind of looking forward to doing it though, as the benefits of succeeding will be huge for me. And it can obviously be done, as others have proved. So I hope you and Buffy do join in, it would be great if we could all support each other, plus I will need your moral support if I am tempted to give in and blow the whole lot on clothes.

sarahb123_3

Hi all, have just had my first no spend day:D Am very pleased with myself, only had to go out to post a letter and luckily had a stamp in my purse so no spends at all today. Have spent the day mooching around tidying and reading and doing my washing.

Still looks quite untidy here though, am sick of having no space. Have all my hopes pinned on the £4k challenge, keep thinking that if I can do it for a year, and possibly even two, I can get a deposit together. 2 years seems a very long time away though. Am going to find some nice pictures of houses to stick in a scrap book to inspire me, hopefully if I am struggling I can look at them and they will inspire me. I know I am going to have to replace my car in the next couple of years as well though, really want a brand new one as I've always had second/third hand ones before. Will have to see though, the house is a priority. Might try putting my deposit savings in my sig in the new year to spur me on. I have lots of lovely things to put in my new house when I get it. I buy things for my house when I don't even have one yet

All this is dependent on sticking to £4k, controlling my spending habits, doing as much overtime as I can, earning my bonus and trying to cut back as much as possible. But I've got to have a life as well!

I need a man with his own house. But I don't particularly want one. Grrrrr. How did it come to this?

End of rant. Hope everyone's ok.
Sarah x

Buffythedebtslayer

Sarah, you seriously do just keep having my thoughts!

I have been de cluttering and shoving stuff in the shed, and getting so annoyed. I have a year to pay off debts and a year to save for a deposit.

and I am doing the 4 k challenge! so you aren't alone hon xxxx

sarahb123_3

Thanks Buffy, it is a bit uncanny sometimes isn't it? I think a lot of people feel the same way, it's just that we both seem to have the same way of expressing it! Am glad you are doing the £4k thing, need your moral support to keep me on the wagon!

We want houses and we are going to get them!

RosaBernicia

Hi all

Well I haven't had an NSD today - do manage that quite easily though if I take lunch in to work, and have been doing a weekly shop for a little while now which does make things simpler.

But I have been out SHOPPING today and - I've hardly bought anything. I am a bit concerned. My shopping monster (you know the big scary one that growls in your ear about how you need it, you want it, you must have it for anything in your life to go right, without it you will struggle alone forevermore, etc) seems to have gone on holiday. I blame that Martin . I didn't buy the furniture I planned the trip for (as dunno yet what's happening with flatmate, and realised am booked til Christmas so can't have mates over for weekend til after anyway), didn't find any clothes I really want, bought some very cute shoes which I did need but didn't buy the winter boots because they just weren't quite right. Hmph. Well obviously this is good in some ways, because hopefully I will be able to knock £100 off my overdraft at the end of the month, but I feel like I've had a lobotomy or something. Wonder if shopping monsters can be retrained to be useful members of society?

Yay @ rugbymum :T , hope y'all are having fab weekend

Rosa xx

Buffythedebtslayer

I am resisting buying relationship books off Amazon.

be proud.

its a miraclexx

Smamfer

Buffythedebtslayer wrote: »

I am resisting buying relationship books off Amazon.

be proud.

its a miraclexx

Lol after reading through some of the threads on here i think we could all write a top seller on the opp sex!

sarahb123_3

Buffythedebtslayer wrote: »

I am resisting buying relationship books off Amazon.

be proud.

its a miraclexx

Well done Buffy! :j Although I seem to recall that like me you have whole shelves full anyway! In fact, you have just reminded me I haven't bought any for a while either. Maybe it's catching.:D

sarahb123_3

RosaBernicia wrote: »

But I have been out SHOPPING today and - I've hardly bought anything. I am a bit concerned. My shopping monster (you know the big scary one that growls in your ear about how you need it, you want it, you must have it for anything in your life to go right, without it you will struggle alone forevermore, etc) seems to have gone on holiday. I blame that Martin . I didn't buy the furniture I planned the trip for (as dunno yet what's happening with flatmate, and realised am booked til Christmas so can't have mates over for weekend til after anyway), didn't find any clothes I really want, bought some very cute shoes which I did need but didn't buy the winter boots because they just weren't quite right. Hmph. Well obviously this is good in some ways, because hopefully I will be able to knock £100 off my overdraft at the end of the month, but I feel like I've had a lobotomy or something. Wonder if shopping monsters can be retrained to be useful members of society?

The shopping monster and I are old friends.:rolleyes: I am hoping that mine can be retrained as a saving monster, and get excited about putting money into the house fund instead. In fact, on Shopaholics they once told someone that people who spend too much often turn out to be the best savers because they tend to get obsessed with things, and when they start saving they put the same effort into it as they did with their previous shopping obsession. I hope so anyway:D