My S.O.A.

Effy

Hey guys thanks for all the support and suggestions! :T Well as you may notice I have updated my signature woohoo! My friend Pete came round and fixed the bath, I got some hair traps too but it was'nt our fault the pipes go uphill and so the water and soap and stuff struggles to move (or something more technical then that anyway!) Only at the flat for 3 months now so can't really be bothered with the long monotomous droning of my landlords voice when I try and explain he hired cowboys to fit the cra*py bathroom in the first place. I watched what Pete did so if it goes again I know what to do, just call me Bob the Builder!

Not heard a thing from th ex and hope it stays that way, there is a guy i like who i have known for over a year now, he is lovely. My friends think the feelings mutual but nothing seems to be coming of it so I'm now planning a full on strategy with my flat mate to attempt to seduce him hahaha! I'm awful at all this romance stuff so Im basically gonna do what she tells me and hope for the best! My boss has just walked up behind me and seen im not doing any work :eek: better finish my post!

Got parents over this weekend which will be lovely and frustrating in equal measures will post again soon. Again thanks for all the support it really does help

Effy

could have been worse he could have caught me on facebook at least im a money conscience responsible skiver!

Effy

My friend is leaving work soon and so my boss has constantly been in our office the past week, as it may be evident i do most of my posting at work since my laptop lead has broke but have'nt been able to properly for a while.....I blame this for my little slip up, forgive me mse's for I have sinned I went to Brent Cross and put £34 on my Credit Card in La Senza :eek: :mad:

I don't know what possessed me (the devil??!!) but after already budgetting for christmas and 5 birthdays in the coming month and realising that im not going to be able to pay as much off my card I'm really angry with myself and cos I already have worn the undies I can't take them back either....Self control Effy self control. I actually was a bit scared to post that up on here but I did'nt want to lie ...whats the point I'm sure I sound like an alcoholic at an aa meeting here! But I actually thought off all the mses on here and felt guilt! this website has got under my skin:rotfl:

I have decided to make my aim for next payday to get under the 4K mark by hook or by crook. Because I have been such a bad girl my punishment is a dayof rummaging through clothes and the cupboard that i have said i would do for months and preparing stuff for ebay...I'm following all the hard work off with a quick drink with the guy I like (which I might add he is treating me too! both pleasurable and money saving!)

The three time a week exercise regime does seem to be working though, Im saving money during the week and taking lunches and snacks in (moneysaving and good for me!) because I don't want to undo the hard work. I do still have my chocolate but the lack of going out at the weekends has decreased my alcohol intake so I don't wake up on Sunday bloated which is lovely! Since I started posting on here I have lost 11lbs! wooohooo! I would like to lose 4-7 more and just tone up a bit more but ill see how it goes, might need to step up the regime!

So anyway very expensive month coming up as im sure everyone is feeling the chrismas pressure. The next 2 months are going to be tough to stay on track, what with the upcoming move and all but I need to get my mse head on. I don't want to lose momentum with the debt repayments. So here is my promise to myself and you for my next repayments I will get under 4K. I will not spend anymore on my credit card, I will place it in the freezer. And I will count my blessings, I am very lucky to have a secure job in these troubled times, I have great friends, family and my health...so I will smile and be thankful for what I have instead of sorry for my lack of lottery rollover win!!

Right let the punishment commence! Off to ebay!

Effy

Was just thinking about the drink I had with "the guy" on Sunday and something popped into my head, he goes travelling in May to America (oh I wish!) but anyways he asked why I did'nt go for it. I told him because of my debt........response *cue dodgy look* how have you got debt? what kind of debt? whats wrong with you you stupid woman? (ok he did'nt say the last one but he might as well have!)
He then asked if I wanted another cleaning job (I could do with it but I cut my nose off despite my face and said no) I do not want to clean the object of my desires bog...but at least that clears one thing up....I think Im safely in the friend zone there! :rotfl:

Sorted out clothes to ebay though i think some of them can just go straight to charity shop, need to go thru the dreaded cupboard or at least start on it. Wish my cupboard contained rare antiques like on cash in the attic the closest thing I have to an antique is a crusty old kettle my mum gave me don't think that'llgo for a song. Anyway ebaying is essential as I have worked on my budgets for the next 2 months and things are tight I need to get some extra cash desperately and I'd rather scrabble around in my skanky old cupboard then scrub the guys house for him (Im too damn proud to accept his charity!)

Effy

Phoned Mint yesterday to see ...now that im paying interest with them 16.9% on purchases and now 12.9% on my money transfers if there was any better product they could offer me. I was fully prepared to use the old ill take my custom elsewhere line until the guy on the phone suggested it for me!! He said there was nothing they could offer me and that the only thing I could do was open another account with say Tesco and move the balance to that card! :eek: Called my bluff I can't get credit with anyone so I got the hump about that, next step is to phone A & L and try and increase my 0% over draft to put that money on the card I want to pay the minimum interest I have to... I have become a woman obssessed! :rotfl: I should clear the card by end of feb anyway but I want 0% damnit! GRRRRRRRR!

Still not even looked in the cupboard of cr*p I will get to it honest :A I just know once I cleared it im gonna be listing my little socks off on ebay!

Went to boot camp yesterday...progress running did'nt make me nearly hurl my guts up! I just had the burning in the throat sensation ...as I reasoned with my friend this must mean im getting fitter I did'nt vomit yay!! Gonna go swimming tonight and use the time to think of a minimum interest strategy.........the way I see it though is when Im debt free with a wadge load of savings and diamond encrusted manolos, banks will be launching there credit at me and they can then stick it where the sun don't shine!! They'll be sorry MWAHAHAHHAHAHa (thats my evil laugh again) :rotfl:

Flower08

:rotfl: :rotfl: your posts cheer me up no end!

I have had the same problem with 0% interest - i dont have a great credit rating so dont think its even worth me applying for a balance transfer. But it bugs me so much paying 15.9% on my CC!!! I may just bite the bullet and try one application, if it gets declined then i know i was right!

I know what you mean about ebaying, i have so much stuff but just dont have the motivation, although i have listed alot of books on amazon - i much prefer amazon and they have already started selling

Hope you have a good day

x

Effy

Oh god I have well and truly fallen off the wagon :mad: I need to update my signature and it wont be headin in the right direction. With Christmas and having to buy new glasses my credit card got it. I feel like so much hard work has been undone because of my stupid short sighted eyes and christmas presents im in a right pickle. Have'nt been here on ages cos i have no time at work now and just got my laptop sorted at home which I don't think has helped grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr! January already looks like a scary month thinking im just gonna be fighting fire until i get paid in feb and trying not to make a bad situation worse. Feel like I let myself and other people down booo! Sorry guys

Effy

Right I'm feeling much more positive today! New Year New Start and all that. Im not going to do a new soa but will be in February as I get a new roomy who wants to batten down the hatches with me!! Woo Hoo!!

I want to really focus on keeping my debt free date as October this year and a new budget for that will be done in February too. I have a meet ing with my boss this month to discuss my salary, holiday and a possible promotion, fingers crossed there I could do with a pay rise to help me keep to my target!

Not been to the gym in 2 weeks now, in my defence I have been Ill, away and now the gym is shut til the 5th so theres not much i can do for that!

Im goign to clean the flat today for a bit of light exercise anyway! I have no new years resolutions, apart from to be good (waltons style!!)

Happy New Year everyone! :T

Effy

I'm now debt free!! Woo Hoooooo have been since July last year and have been squirreling away money until at the end of August I completed on my tiny little flat (shared ownership). This website has been fab and I don't want to leave the forum as I wouldn't be where I am today had I not got involved in this!!

I have tried poking my oar in on some peoples threads but unless its suggesting they post an soa or do a spending diary I'm not of any use, much like a chocolate teapot! I have even been so bold (as now I am a regular lurker) to suggest someone contact a member re: unenforcibility when I don't know said member but they look incredibly clever and helpful. I wonder where this compulsion to get involved has come from!

I don't by any means wish to be in debt EVER AGAIN and I have tried the mortgage free wannabee board but it's just doesn't feel the same!!! So how do I get involved with all this stuff without just being a pain in the rear???!!! Maybe I need to "ambulance chase" down the first time posters so I can help or have my soa link or quick attach I could call it my soa finger instead of my trigger finger?!

My friends don't want my mitts near their finances but everyone here lets you have a good rummage. I HEART DEBT FREE WANNABEE!!! :j

Anyway I will continue to lurk and try and help or offer the odd word of encouragement to everyone as I really miss being a part of this board!

EB69

This is EXACTLY the sort of post I want to read just now - I started out so positive this morning, then thought "yeah, but you know what you're like, you'll last five mins and it'll be yesterday's news"...

But seeing that someone did it is great! I AM GOING TO DO IT TOO - WOOHOO!