KnittyNess' Debt Free Diary

NessyNoo_3

Hi all,

I have been a member of this site for over a year now but only now do I really feel ready to deal with my debts. I was reading one of the diaries on here and it has really inspired me to document my debt free journey.

I lose motivation so quickly. It's just spend spend spend with me!

I will do a full SOA tomorrow when my brain is in full working order!

My debts are made up of a couple of credit cards and a couple of overdrafts. I really want to save up a deposit and need to clear my debt first. It annoys me that my rent is £600 a month which is practically a mortgage payment!

First off I am going to go to letting agent in the morning to get some money back from landlord as I paid for BT line to be fitted- that should be about £100. I will put that straight to debt.

I also plan to do 2 dooyoo reviews a day and save up for the cash option if possible.

I have also taken up knitting and everyone will be getting knitted gifts this Christmas!

Wish me luck!

NessyNoo_3

Well I cannot find my BT bill that records the line rental cost. Not a good start. Tried to register my BT account online but only got halfway through and it told me to come back later!:eek: So, my job for tomorrow is to call BT and hopefully get a copy of the bill emailled or posted to me.

I just remembered that I also have some expenses to claim back from work which totals around £100 so I will sort that out tomorrow as well.

mrs-d_3

Hi NessyNoo just wanted to say Good luck! I hope I'll be brave enough to start a diary soon, think it would be a kick I need.

NessyNoo_3

mrs-d wrote: »

Hi NessyNoo just wanted to say Good luck! I hope I'll be brave enough to start a diary soon, think it would be a kick I need.

I think you should crack on with it! I am going to do my best to stick to it this time! I am fed up of paying interest and rent to a landlord when I should have my own home!

NessyNoo_3

Hello me.
Not managed to speak to BT yet today so still need to sort out that bill.
Have rung share company to cash in shares- they are sending me a cheque out. It is not a lot as I only started saving in May time but I figure I can clear my Amex card with that amount so that is one less debt to worry about.
Going to do 2 more dooyoo reviews today. I already have 8 ratings since yesterday- I have no idea if that is a lot or not but they are bumping my points up so that is good!
I am going to list as many of my debits and APRs as I can in my siggy tonight so I can see where I'm at.
Other than that work was slow and I have to study for masters tonight so looking forward to weekend!

NessyNoo_3

Hello me.
Was too busy yesterday for an update. Hoping to have a NSD today. Yesterday's spends were £600 rent, £588 for Amex (which has cleared that card), £12 for xmas party ticket and £22.50 for a wax (I get a student discount now- woo!)
Still need to phone BT. I am off to do my Dooyoo points now.
Other than that my day will be spent knitting a cushion cover- I only recently started and I am finding it very relaxing plus it stops me from getting bored and wanting to spend money. I also have some studying to do- boo!