My debt diary

Silaqui

Hi Littlepinkstars how you doing, really well done on clearing off so many debts! Not far to go now!

I have a load of storecards that I opened when I was a student, thankfully all paid off now but I can't bear to close them because occasionally they do the offers and things for cardholders don't they. If I use them now though I try and pay them all off.

One thing I try and do to give me an incentive not to spend it this... if I am tempted to spend on a storecard, I say to myself right Silaqui, if you do this you will have to pay it off at the end of the month which is £20/£50/£100 quid you can't pay off your other debts. Now the quicker you pay off those other debts the better, because look - add up the payments you make each month on just repayments.

For me it's about £500 in total (including overpayments). When I'm debt free, I would be able to go on a £500 shopping spree EVERY SINGLE MONTH if I wanted to - and I wouldn't be getting in debt because of it! Forget credit ratings all that jazz - I wanna go guilt free shopping (like duty-free, but better!) lol xx

littlepinkstars44

thank you, thats a really good idea, i will try that next time i feel the urge to spend on the cards!

littlepinkstars44

a wee £100 from my dad today for Christmas, think it's going on pink ghds! lol

mum2one

gd 4 u, treat urself and have fun x

littlepinkstars44

mum2one wrote: »

gd 4 u, treat urself and have fun x

thanks i think i will. i havent had ghds for about 3 years, and my straightners just are starting to die, and they aren't good for making curls

mum2one

Dont forget Quidco - you may even get cashback! I guess GHD aren't the cheap models!!
x

littlepinkstars44

i got pink ghds for christmas!!!

mum2one

littlepinkstars44 wrote: »

i got pink ghds for christmas!!!

Thats brilliant, hope u had a gd day xx:beer:

littlepinkstars44

i got paid today! yay

littlepinkstars44

paid some things last night
Phone Bill - £50
Arcadia Card - £20
Dorothy Perkins Card - £20