Shopaholics Debt Diary

shopaholic84

My debts as of 28th January 2009:

Kays - £371.90
Barclaycard - £573.81
OH - £1,300

Total - £2,245.71

xsarahahax

What you seeing at cinema?
I love payday, i sit at my desk planning all my finances for the month.. then realise its all gone before I know it! lol x

shopaholic84

Hi Sarah,

I went to see Slumdog Millionaire, it was brilliant, also bargain because it was £7.50 for 2 tickets, very MSE.

Sound exactly like me, i sit there working out my finances, and give it 5 days ands most of its gone.

I accepted my first mystery shopping job today, so that will hopefully be an easy £10 next Saturday.

xxx

shopaholic84

I'm so so silly. I paid off the money i spent on the Vanquis credit card yesterday, £163.23, that was the bus ticket that saved me £25 and also driving test, and 2 cash withdrawals because i was skint. I called today to check it had all been payed off, and i get told i have £6 outstanding. Didn't quite understand that, but it turns out you get charged £3 per cash withdrawal, how silly am i. I certainly wouldn't of withdraw cash if i thought i would get charged. My own silly fault for not reading Vanquis greating pack. I def won't be spending on it ever again!

I have just listed Lipstick Jungle DVD, so hopefully i should get £8 for that. Can pay off the £6 in charges.

Yesterday i ordered some pics from Truprint. It was going to cost me £15.50 for 120 piccys, so decided to invite my friends to join Truprint, i get 20 free prints when a friend joins. So i made 120 free pics, so i only had to pay £1.49 for postage - whoop whoop!

I have no clothes, and its getting me down a little. I know i should pay off my debt before thinking of myself, and buying new clothes, but i really do need some. So i have decided to let myself have £100 tomorrow and go shopping at Bluewater. Once the £100 gones that its. Will write a list of things i'd like whilst at work later.

If i then stick to £10 a week pocket money on weekly treats, e.g. magazines, lunches, i should make it till the end Feb with at least £50 left to go into my savings to start it off.

Just about to email Kays and ask if i can use the £9 i have in cashback for goods for extra money to pay off account. Will be alittle bit less, around £5 i think, that thats an extra £5 off my debt for free!

xxx

xsarahahax

I've seen slumdog millionaire - i agree its such a good film!!
I need to order some pics from Truprint but I need so many pics printed it will cost me loads!
I fancy a trip to bluewater aswell.. i keep selling all my clothes on ebay! Will have none left at this rate! But shopping will not decrease our debts :-( xx

shopaholic84

Not really much to update, but need to update the diary.

I spent £100 at Bluewater on Saturday on some lovely new clothes for me, i'd forgotten how expensive clothes are these days. £100 gets your hardly anything unless your shopping in Primark. Knew there was a reason i LOVE Primark, can walk around putting loads of stuff in your basket, and still it wouldn't be more then £50.

Due to my spends on Saturday, and all the birthday gifts i'd had to buy this month so far, OH i gave him £150 for b-day, my princess niece i spent £40 today, and my ickle bro, i have put £30 in his card. Soo much money gone! My sister is 21 next month so looking at something very special for her, i'm looking at taking her to see Dirty Dancing at the theatre, and also going to take my mum too as her mothers day gift, but i looked at tickets earlier and the good tickets are £75 each :eek: no way i can affod that, especially when i want to treat them for dinner too, and pay for train fares. I think i'm going to buy the cheaper tickets, seats won't be as good, but tickets only £33 each, so thats £100, and then £60 for dinner, and £30 for train tickets. Its a lot of money again but my sister is my best friend, and my mums just the best so want to treat them both. Will try and find ways to make some extra money this month to pay for this expense.

Moneys very tight at the mo, i have worked out i have £40 to last me until payday on the 27th Feb, so that works out at around £12.50 a week i can spend on lunch, magazins etc, things to keep me going through the working week.

Meant to be going away next Friday for Valentines, we're just going away for the Friday night, as the Saturday night was double because of Valentines, what a rip off. So going away Friday night, and then spending Valentines day in Bath. Think we will have our valentines meal on Friday eve instead too. Lots of good restuarant offers at the mo, so can save some £££. Unfortuantely the hotel cost which is £37.50 each will be paid on the credit card, and then £20-£30 for food whilst away and entertainment. I don't want more than £80 on the credit card at the end of the month.

I've cancelled my driving test, was booked for next Friday, Friday the 13th, but becasue of going away, and me just feeling not ready because i keep failing, i've booked it for March. I hope the long wait won't make me forget things. I had a 2 month break at Christmas and still got back in the car like i'd be driving forever.

Nothing else to report i don't think.

xxxxx

shopaholic84

Oh apart from Equifax tracked on Monday, and validated yesterday, so i called up and cancelled. It was very easy and the blokey on the phone said i wouldn't get charged, so free £8 when it pays out, yay!

xxxx

shopaholic84

Debt totals as of 6th January 2009:

Kays - £371.90 - however just spent £46.59 so total is £418.49
Barclaycard - £562.80
Boyfriend - £1,300

= £2,281.29

Yikes, doesn't seem to be going down very quickly does it, must try harder.

xx

shopaholic84

What a fab weekend it has been, and i spent less than £20 - yay!

I cancelled my order with Kays, decided i had enough winter clothes at the mo, and didn't need anymore, so thats £46 saved.

Debt totals as of 9th February 2009:

Kays - £371.90
Barclaycard - £562.80
Boyfriend - £1,300

= £2,234.70

My aim is to get down to £1,500 by the end of May. I could knock more off my debt, but i would like to start saving £400+ a month in my ISA, i need some savings.

xxx

shopaholic84

Not a happy bunny today. First off my Dell laptop stops working, i tried to charge it up and it wouldn't charge, so called Dell and they want to collect it and have a look, so means i will be out a laptop for a few weeks, luckily it had six months warrenty left on it. Laptop is only six months old so unhappy its broken - i hope they can fix it. I'm looking at getting an Apple Macbook, so will try and sell Dell one when it comes back repaired.

Was meant to be a day off for me tomorrow, but i'm now having to wait in for courier to collect laptop, any time between 8am and 6pm - not very helpful.

Also, had a thumping headache all day, really didn't want to be at work with all the bright lights, so glad i'm home now.

Early night for me tonight i think!
xxx