My Debt Diary

D&DD

I'm sorry to hear that James hope things start to get better soon you are doing so well!!
Have you been shopping yet if not why not have a look on the oldstyle board for some ideas for really cheapo meals??
Verbatim thats great news!!!!:D

Sea78

Hi james - sorry you've had such a bad day - hugs to you. I hope things seem brighter tomorrow.
Sea xxx

Verbatim

OOOHHHH Nooooo!

Is it pay day for you today??? Overdraft won't be there for long and you've got HOW MUCH MB profits?!!

You could always use some of that dosh early but coo that's an impressive total.

James240

Well even more bad news, ive been paid today which is good considering the mess with the BACS system today :rolleyes: but i seem to be missing around £60-70 out of my wages at the moment (this was extra money for me doing the promotion job on a temporary basis) so ive got even less money at the moment

Will post my ins and out at a later time cos im a bit !!!!ed off about missing out on my extra money this month

James240

Ok this is how my finances play out this month

RENT £280.00

BROADBAND £0.00

PHONE £60.00

TRAVEL CARD £30.80

SAVINGS £10.00

CREDIT CARD £0.00

LOAN £303.71

O/DRAFT £130.00

TOTAL £814.51

WAGES £1,125.84

Money Left £311.33


Out of that £311.33 ive spent £81 on shopping for myself because i havent really been eating that well and i decided to do a big shop and get stuff that i need cos i'd almost run out of food.

So ive got £230 left so im going to over pay my loan by £130 and have a £100 left for the month.

Im really peed off at the moment cos i should have got another £60-70 extra, that im now going to have to chase my HR department about :mad:

Again ive let myself down by being £130 over drawn and a £60 phone bill, just not a good month for me plus ive got my brothers birthday soon as well :rolleyes:

April just isnt going to be a good month .................

jackie_w

Hello James,

Ive been reading through your thread for a while now, and checkin every now and again to see how your doing (hope you dont mind), and I think youve done brilliantly. You should be so proud of yourself. Youve come a long way.:beer:

I know how hard it can be especially when things have slipped a little, but, hey theres always next month, and remember, the light at the end of the tunnel is brighter than it was this time last year/last month.

Chin up and keep smiling, you will get there in the end, I did.

Jackie

James240

jackie_w wrote: »

Hello James,

Ive been reading through your thread for a while now, and checkin every now and again to see how your doing (hope you dont mind), and I think youve done brilliantly. You should be so proud of yourself. Youve come a long way.:beer:

I know how hard it can be especially when things have slipped a little, but, hey theres always next month, and remember, the light at the end of the tunnel is brighter than it was this time last year/last month.

Chin up and keep smiling, you will get there in the end, I did.

Jackie

Thanks Jackie

I think the thing is, is that i want to be debt free by the end of the year and im putting a lot of pressure on my self to be debt free by that time.

I want to be debt free so i can start saving towards a deposit for a house and if i dont get a move on ill be renting for ever

i will keep me chin up and ill be looking forward to the future when i am debt free

James

Kaz2904

I think you may have lost sight of your achievements a little. By my reckoning you only have £6632.51 left to clear. Considering that you have therefore cleared more than half your debt in 14 ish months i think you're doing well. It hasn't just been about clearing debts for you over the last year it has been about readjusting your whole lifestyle and your whole attitude to money and spending. You should give yourself a big pat on the back to be honest. (Now goes off to lurk in the shadows again), Kaz.

kipper_2-2

Oiiiiiiiiiiiiiiiiiiiiiiiiiiii!!!

You cheered up yet?? I ain't having all that gloom and doom in my "home" :rotfl:

if ya keep it up I'll banish ya to the spare thread and you won't be able to come out til u have got a smile on ya gob! and promise never to moan again



I've spoken.... so be warned

James240

kipper wrote: »

Oiiiiiiiiiiiiiiiiiiiiiiiiiiii!!!

You cheered up yet?? I ain't having all that gloom and doom in my "home" :rotfl:

if ya keep it up I'll banish ya to the spare thread and you won't be able to come out til u have got a smile on ya gob! and promise never to moan again



I've spoken.... so be warned

:eek::eek::eek::eek::eek::eek:


:rotfl: