2009 diary - time to make changes!

Shoe_Gal

gwen80 wrote: »

Oh no! Glad your Dad's ok, but must have given you a fright.

Thanks gwen :A it did a bit!

Lula-Hula

Morning Shoe Gal,

glad to hear your Dad is ok.

Nasty list you have there but I have every confidence in your powers of achievement.

As to letters going to your mums address; I've had some here for my DD1 ( bank account opened after she lived here so shouldnt be any connection to this address) & CCCS have advised to just 'return to sender' unopened.

I am getting very lazy these days, didnt get up until 10 . DD has made cakes so guess what I've just had for breakfast :rolleyes:

Come on now, off that sofa & on with your jobs, I'm off to hang washig out in the garden ...

macgirl

Hi Shoe gal :hello:
Just read some of your diary - the last few pages have had me in stitches - especially the Adult Nursery rhymes :rotfl:

I do feel for you. Buying clothes, shoes and make-up is a big thing for me and the hardest thing to give up. It's good that you've managed to cut back but still pamper yourself.

I'll keep popping back to see how you're getting on.
Good Luck x

Shoe_Gal

Party was good last night - and I have really slept in this morning

Felt fat at the party though, so it's really time to get cracking with the dieting and exercise if I want results by Christmas :rolleyes:

Started a few things on my list yesterday but haven't got very far - and am still in my jamas Need to get a wriggle on, will update later

missymoo81

hey hun glad your dad is ok, I slept in too this morning but feel millions better.

I'm with you on the diet front, best foot forward tomorrow for me!

am still in my dressing gown watching tv, I love lazy sundays

x

Lula-Hula

Yay for a lazy sunday pyjama party

missymoo81

wooo hoo Shoe gal you put the kettle on and I'll get the biccies x

Shoe_Gal

At Easter I set my self a six month challenge to get on top of my finances, so here is the end of October report

• reduced my total debt by £2816.57
• reduced my mobile contract by £10 per month
• cancelled my (unused) gym membership
• earned over £50 in Quidco money
• earned £10 voucher from ipoints

It hasn't always been easy, and I am sure there is more that I could cut back on but I have always said that I want to have a life too, whilst debt busting

Overall I am pleased. For the first time in at least 15 years not only has my overall debt not increased, but I now have the systems in place for it to steadily decrease

BEAT_THE_DEBT

I think you have a very realistcic attitude and you have done fab!

missymoo81

You've done so well shoe gal, you should be really proud. yaaaay!! :T