Hello! Newbie!

determinedtodothis

Thanks Guys!

Yeah i was chuffed when i saw the Tickled Pink Lipgloss, i have felt like a right scrooge walking past the charity buckets this year trying not to make eye contact - it all helps with the feel good factor

ragstoricheswannabe

Hiya determined!:hello: just wanted to say well done on shaving a good amount of your debt in so little time and good luck with getting the job you want.

rags to riches wannabe
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determinedtodothis

Thank you ragstoricheswannabe its been hard graft to pay that lot off but a big wake up call on what i was wasting money on. I have a lot of hope riding on this interview, new year, new start, new me so I have everything crossed and so do my friends!

Verbatim

Good luck, but it sounds as if you're off to a great start.

determinedtodothis

Hello Verbatim and thank you x

Gosh your all so lovely :-)

determinedtodothis

Well

I was very good the weekend, I did some overtime and earnt £90 so that will go off my debt when i get it. :rolleyes: Plus i went to visit my mate so although it cost me £20 to get down there in petrol i was fed for free all weekend and i explained i was broke and it turned out so was she so we stayed in watch rubbish on the tv and took her dog for a looooonnnngggg walk on the sunday which was a relief i have to say!

Got my interview this week very nervous so wish me luck i'm just worried that having defaults on my credit will effect my chances of getting the job..

Day 1 of NSD December is going well - left my toothbrush at my mates so bought another but used my Boots points! :rolleyes:

doodledo_2

Well done on the overtime and the cheap weekend very MSE :T

Good luck with your interview, let us know how you get on

determinedtodothis

Thanks Doodledo! i'm very excited at the prospect of having perminant work but i'm so nervous my credit rating will stuff me up i guess if they raise it and i can show them my budget and plan they might still take me...

Any hoo of to zap my soup for lunch - Store cupboard lunch :-)

determinedtodothis

Well i havent' done anything else drastic to reduce my debt yet although I had my first NSD of the month yesterday - and it was totally spend free i was late for work so had no breakfast, meetings all over lunch so i ate the biscuits provided and then i had a work do so had free alcohol and chips! RESULT!
:j

I've reinstated my direct debt for my mortgage and moved the payment date to the end of the month to give me more time on getting the payment together so although the interest goes up its less than the charge i get when i don't have enough in the bank to pay them, i struggled with the November because i only had 2 weeks to get £900 together but now i've got 4 weeks rather than paying odds and sods every week and struggling if something unexpected came up.

I'm going to post my SOA today if you get a chance can you have a nose?

Thanks

mizmir

Yeah! Well done on the NSD! :T