Hello...

lizzie4785

Well today marks the start of my 3rd DFW week. And in my first 2 weeks as a DFW I've managed no less than 7 NSD's :j :j :j :j

Today I don't have to go to either of my jobs, but I do finish one of my jobs on Friday so I will probably be spending most of the afternoon searching for a new one. And if I get bored of that (which lets face it I probably will) I'll be writing a Christmas Card/Present list and budgetting for that.

On a more expensive note, my poor car failed its MOT on Friday so my dad has finally decided that it has to go. So in the not too distant future I will be getting a new car from my wnderful daddy :j but that will mean I have to take responsibility for my own insurance and tax (which i currently dont pay because I drive my dads car) so time to start saving for that aswell :eek:

Ah well, I suppose if I can keep up these NSD's and find another job quite quickly I'll be able to do it, just need to stay positive.

Much Love

Lizzie xxxx

JAMIEDODGER

youre doing really well lizzie:) just think all these NSd's will be worth it, when you have your own car and you have saved enough to get your own place:D

Nomad25

Keep up the good work Lizzie.

just need to stay positive.

Sure do - remember you're in control now.

Dads are brill and I'm sure he will notice and appreciate your DFW efforts.

lizzie4785

Haven't posted in a couple of days, but have been successfully racking up the NSD's :j

Have finally got round to recording my debts in my sig today.
And I discovered that my HSBC overdraft only has 2 more payments left :j so I will start in January by moving that £50 pm payment to my Natwest CC, then hopefully that will be gone in no time too.

I'm so looking forward to being debt free (not including my student loan) by the time im 24.

Much Love

Lizzie xxxx

Nomad25

Hello Lizzie, you're really getting into the swing of things now - good going.
Why don't you have a go at putting together an SOA, even for your own purposes - it will give you an overall snapshot for the next few months and can be adjusted as your personal situation varies.

lizzie4785

Hello to all who've been reading my ramblings.

I know I've been missing for a few days, and sadly they've been a few expensive days, just about to go get the spending diary out n the calculator n add up the damage. Then I will figure out a nice action plan. Finished at one of my jobs on Friday so I desperately need to find another, with Christmas coming up I can't afford to only have the one job, even though it is nearly busy busy panto season and there will be lots of hours available.

:mad: post has just arrived...all there is in it for me is a flyer telling me whats on at the theatre (i work there...i think i know what's on) and a voucher for some deodorant that i dont even use because that brand brings me out in a rash!! can it not be a lette inviting me to interview for a least one of the what feels like hundreds of jobs iv applied for lately!! :mad:

Ok rant over back to making the action plan.

Much Love

Lizzie xxxx

Nomad25

Then I will figure out a nice action plan.

If it involves cutbacks in spending - nice is not a word I'd use!!

lizzie4785

It more involves finding another job. I'm into my fourth week now and starting to slip with this not spending lark.

Much Love

Lizzie xxxx

Nomad25

:mad: Yes it's pants isn't it? It's a lose/lose situation - no extra job, need to save even more money - fed up with not getting extra job/extra money - spend to cheer self up or comfort - then feel guilty for having spent money you've not got - it really sucks. You've got to be strong and very self-disciplined, get a grip now Lizzie and knock it on the head. Else you'll be back to square one :eek: .

lizzie4785

I'm still doing ok, just added up from my spending diary and since I started on my road to debt freeness I've spent £210, that includes petrol in my car twice, paying to get my car fixed, a work party for the end of the season, an a few little slip ups.

So hopefully if I can get those little slip ups under control I'm hoping I'll be ok.

Much Love

Lizzie xxxx