My Debt Diary

James240

Hiya peeps :hello:

Its that time of the month again when i get paid

Wages: £1125.62


Outgoings :

RENT £280.00

BROADBAND £0.00

PHONE £67.00

TRAVEL CARD £30.80

SAVINGS £10.00

CREDIT CARD £5.00

LOAN £303.71

O/DRAFT £58.06

TOTAL £749.57

This leaves me with £375.80 so im going to write out a check for £300 to over pay me loan and im going to have £75 for the rest of the month

Unfortunatley ive let meself down AGAIN this month what with going into my overdraft by £58 plus my phone bill is £67 :mad: when will i ever learn


But im happy this month because what with my overpayment of £300 and my monthly payment my loan willbe down to around £2700 :j :j :j

Also i may have the chance to go for promotion at the end of March/April and if i do get that, it will give me another £250 a month extra on what i earn at the moment so my fingers are crossed that the interviews come up soon

I cant believe that im on the home straight to being debt free i know i will still have around £8300 left but my loan will be finished hopefully around May/June and i can then plough on paying off my credit cards :j :j

Im really hoping that i can get promotion and be able to get a payraise becuase the extra money will come in so handy to overpay my debt. If i get the rise i will be able to pay in total off my debts per month nearly £800 :j

Im really motivated and i cant wait to be debt free


James

snoozer

Go for it James, you're doing so well.

James240

snoozer wrote:

Go for it James, you're doing so well.

Thanks snoozer im definatley trying me best

kipper_2-2

Coooooooeeeeeeee only me


Wooooooo nice sig :rotfl:

southernscouser

James240 wrote:

Its that time of the month again when i bleed

We don't need to know that dude! :undecided

Maybe you should stick a tampon in your gob aswell! :rotfl:

Verbatim

Hi James,

OOOh, you are doing well! Except HOW much for phone?

It's you and kipper isn't it having these long romantic (?) calls.

If you're going into your overdraft wouldn't it be cheaper to leave some cash in your account as a buffer and transferring any surplus at the end of the month? Then you'd have some leeway and not risk charges/interest if you overspend.

But bl**dy well done on your progress and sticking with it.

V

kipper_2-2

Verbatim wrote:

It's you and kipper isn't it having these long romantic (?) calls.

I hate to shatter your visions of me and Jamesy Verbatim, but it ain't me he's calling, I give him enough grief on here, let alone rabbit on at him on the phone :rotfl:


Wotcha Jamesy :hello:

James240

southernscouser wrote:

We don't need to know that dude! :undecided

Maybe you should stick a tampon in your gob aswell! :rotfl:

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:


im being dissed on me own thread :rotfl:


James

James240

kipper wrote:

I hate to shatter your visions of me and Jamesy Verbatim, but it ain't me he's calling, I give him enough grief on here, let alone rabbit on at him on the phone :rotfl:


Wotcha Jamesy :hello:

Blimey if i was calling her on the phone she would be asking me to move the TV so she could put her curtains up :eek: :rotfl:

kipper_2-2

Too late, there up... typical bloke not noticing :rolleyes:


Get ya feet off the sofa, some of us would like to sit down :rotfl: