2009 diary - time to make changes!

Hollyberry

Have a lovely time with CM.

I think you'll know when you're ready for the internet dating. As for the self confidence, well, you know we think you are f fabulous: you're funny, caring, adventurous, and just human enough in terms of any flaws to allow the rest of us to be equally flawed in comfort. So what's not to like, eh?

Hope the busy work week is going ok.

Shoe_Gal

Hollyberry wrote: »

Have a lovely time with CM.

I think you'll know when you're ready for the internet dating. As for the self confidence, well, you know we think you are f fabulous: you're funny, caring, adventurous, and just human enough in terms of any flaws to allow the rest of us to be equally flawed in comfort. So what's not to like, eh?

Hope the busy work week is going ok.

Thanks Hollyberry, what a lovely post :A

Drink was cancelled :rolleyes:

Hollyberry

He may be lovely, but he clearly has no taste. (Unless life has intervened, in which case, fair enough.) Perhaps we SAIDs should have a virtual night out on Friday (wonder if Lula could update us via mobile if she does go on that date)?

Shoe_Gal

Yes, it was just circumstances. Obviously thinks I am a good enough friend to understand :rolleyes:

Shoe_Gal

Hi everybody

Have been having a lazy morning, I was kn*ckered!

Am feeling quite chuffed with myself. I organsied a international event at work that went really well :j and I got some really good feedback from board level It might not pay the bills but I think we all feel a little praise can go a long way

However, all the work stuff means I've had a pretty lousy week with everything else :mad: I have put 3lbs back on , done no exercise anf feel pretty bleurgghh :rolleyes:

Got paid on Tuesday, and need to have a better money month. The thing is I've had a couple of work lunches and dinners this week so no spends there but I have just paid £50 for my day at the races - and I am still about my Barclaycard bill :mad: I am going to use what I had saved towards my overdraft to pay it off because if I leave a balance on it I will be back on the slippery slope of sticking stuff on it all the time

I plan to get back on track this week but nothing too drastic! Work is still busy and I have a work dinner tonight. I am going out with friends on Thursday, and to dinner at another friends on Friday plus I still have to re-arrange drinks with 'crush man' Not to good for debt busting and dieting plan - but I am not going to let either take over my life, I want to have some fun

Need to do a bit of shopping now, am going to go to the gym and then do a bit of pampering before I go out tonight, hopefully it will make me feel a bit more lively

Hollyberry

for the board recognition; that's brilliant.

And also for resolving to have some fun as well as paying off those debts. That's a good idea with the Barclaycard.

Have a great time. X

richyorks

Hey everyone

I am new on this site. And im going to come clean with my debs for the 1st time! I have been trying to hide them for the past 4years or so, but I guess things caught up with me..

I am 25 and fom near Rotherham and still living with parents. However i am way to skint to move out. I work as a business travel consultant which is okay!.. However I have to spend £155 a month just to get to work, plus my board of £160 a month. Thinking... i might be better living somehwere in Leeds. However I dont think I am going to afford it.


Here below is a summery of my debts! (prepare to be shocked cos I know I was !!!...

*****************************************************

[FONT=Arial, sans-serif]INCOME £1098.00[/FONT]
[FONT=Arial, sans-serif]Main outgoings:[/FONT]
[FONT=Arial, sans-serif]Board: £160.00[/FONT]
[FONT=Arial, sans-serif]Car Insurance and petrol £90.00 (Car insurance comes out 8th every month)[/FONT]
[FONT=Arial, sans-serif]Public Transport £152.00[/FONT]
[FONT=Arial, sans-serif]Life Insurance £10.99 (Comes out about 28th every month)[/FONT]
[FONT=Arial, sans-serif]Phone Bill £70.00[/FONT]
[FONT=Arial, sans-serif]Drinking and outings £50[/FONT]






[FONT=Arial, sans-serif]What is owed:[/FONT]


[FONT=Arial, sans-serif]Loans[/FONT]


[FONT=Arial, sans-serif]Bank of Scotland [/FONT]
[FONT=Arial, sans-serif]Account number: xxxxxxxxxxxxxx[/FONT]
[FONT=Arial, sans-serif]Payment due date: 10/07/2009 - £302.00[/FONT]
[FONT=Arial, sans-serif]Balance: £24,232.00 inc interest and insurance (£11,542 is settlement fig)[/FONT]


[FONT=Arial, sans-serif]MBNA (Virgin Loans) [/FONT]
[FONT=Arial, sans-serif]Account number: xxxxxxxxxx[/FONT]
[FONT=Arial, sans-serif]Payment due date: 11/07/2009 - £176 [/FONT]
[FONT=Arial, sans-serif]Balance: £8,000[/FONT]


[FONT=Arial, sans-serif]Credit cards[/FONT]


[FONT=Arial, sans-serif]HSBC Credit Card [/FONT]
[FONT=Arial, sans-serif]Payment due date: 02/08/2009 -£80.00 -Minimum payment-[/FONT]
[FONT=Arial, sans-serif]Balance: £2,902.63[/FONT]


[FONT=Arial, sans-serif]Virgin Credit Card[/FONT]
[FONT=Arial, sans-serif]Payment due date: 28/07/2009 - £50.52-Minimum payment-[/FONT]
[FONT=Arial, sans-serif]Balance: £1,867.97[/FONT]


[FONT=Arial, sans-serif]Barclaycard[/FONT]
[FONT=Arial, sans-serif]Payment due date: 11/07/2009 - £42.00-Minimum payment-[/FONT]
[FONT=Arial, sans-serif]Balance: £1,800.00[/FONT]



[FONT=Arial, sans-serif]Citicard[/FONT]
[FONT=Arial, sans-serif]Payment due date: 26/07/2009 - £15.00[/FONT]
[FONT=Arial, sans-serif]Balance: £345.63 [/FONT]




[FONT=Arial, sans-serif]Current Account: overdrawn of £230.00 --Overdraft is £1000[/FONT]
[FONT=Arial, sans-serif]HSBC BANK PLC[/FONT]



***************************************************

Anyway..time for action!!!

I am actually awaiting for a telephone discussion on wednesday with "Pay Plan." Does anyknow know anything about them????

I am meeting the payments for the bills, but I think in a few months I will start to suffer...

ALSO WHY IS MY BANK OF SCOTLAND LOAN SO MUCH OF A RIP OFF!!!!!!!!
:O( :mad::mad::mad::mad::mad:

Early days but trying to keep positive

Rich )

Shoe_Gal

Just a quick update! Not really achieved much, still busy at work, trying to bed good foodwise but not managed any exercise :rolleyes:

Feel a bit low, not sure why Got a nice few days to look forward to - dinner with some friends on Thursday and then a girlie shopping trip with another friend on Saturday

And I've got £125 of incentive vouchers from work

makeup

Shoe_Gal wrote: »

And I've got £125 of incentive vouchers from work

:j:j:j for vouchers and also for board recognition on your international event....:j

I know there is nothing financial in it, but once the recession eases and things are more buoyant - you should surely be first in line for some 'recognition' of your work?

Shoe_Gal

makeup wrote: »

:j:j:j for vouchers and also for board recognition on your international event....:j

I know there is nothing financial in it, but once the recession eases and things are more buoyant - you should surely be first in line for some 'recognition' of your work?

I really hope so! We've had a pay freeze this year, and although I know I am luckier than some in still having a job, a bit extra would make all the difference