My Debt Diary

James240

loubie_lou wrote:

Thanks! But what a waste of £20. My friends boyfriend came out and i was the third wheel as per! Jees spent the night listening to them arguing! :grr:

oooo doesnt sound like a good night at all loubie sorry to here about that.....


Tried setting up an Ebay sellers account last night but got the complete hump with it, i thought it was going to be easy to set up but in all honesty it seems like a complete nightmare and have lost heart in doing it........

James240

YES!!! just managed to score in with some more overtime!!! doing Monday to Thursday for an extra 2 hours a day hopefully, as like Saturdays overtime wont get this until the end of March but it will all come in handy :j

James240

wooooohhhooooo!!!! Payday today!!!!

right below is how ive managed to cut my outgoings down this month:

Rent: £250 (Stays the same)

Broadband: £25 (Stays the same)

Mobile Phone: £80.43 (£90.06 this month but this is my last bill from Orange
From March i will be on my new T-mobile contract with
lots of free minutes and only costing £12.50 permonth)

Travel Card: £29.35 (Stays the same)

Savings: £10 (Stays the same)

Gym: £37 (Cancelled)

Loan: £303.71 (Stays the same)

Overdraft: £163.28 (Completly Obliterated :j)

Bank A/C Fee: £10 (Completly Obliterated :j)

As u can see my outgoings are £908.77 last month i have now reduced those to £708.12 this month which means i can overpay my Loan by £250 this month :j this then leaves myself £117 for myelf over the month whcih equates to roughly £29 a week.....

Going to get me cheque book out when i get home today so i can send it off tommorrow :j

Next month i will be able to get my outgoings down to approximatly £650 cos my carp Orange tarriff will be gone and i will be on a decent tarrif for £12.50 which gives me a lot of free mins.

Then next month i will roughly be able to over pay my loan by £330 pound :j

oooo cant wait!!! :j

loubie_lou

Well done Mr James!

I'm hoping to smash about £700 off my debt total in the next month! Yaaay!

Verbatim

Well done James. Must be a great feeling.

James240

loubie_lou wrote:

Well done Mr James!

I'm hoping to smash about £700 off my debt total in the next month! Yaaay!

well done loubie :j

once my normal payment comes out on the 15th of this month means in total i have paid ox £489 of my loan this month :j

and Verbatim im feeling on top of the world at the moment cos when some of my over time goes through and i get that at the end of the month in March i can over pay even more :j

Thefunkygibbons

Just well done

Even though it is 3 years away, there is no doubt that you will do it

James240

thanks funky gibbons, its 3 years away if i just pay my monthly amount, if i overpay i shuld have this paid for in just over a year so thats what im aiming for now....just feels good to have a good start on it....

JAMIEDODGER

thats brilliant james well done, keep up the good work!! will you be altering your sig?

James240

JAMIEDODGER wrote:

thats brilliant james well done, keep up the good work!! will you be altering your sig?

yeah will alter me sig when EGG take it off my loan amount so then i can keep up to date with them :T