My Debt Diary

James240

Pretty disastrous month, in terms of money :rolleyes: im £280 overdrawn :doh: back to the drawing board me thinks :think: im going to just take £20 in cash out with me for a whole week, each week then i cant spend anything else will post up me totals this for this month when i get home tonight

kipper_2-2

James240 wrote: »

Ive changed me log in details

Did you not notice it was empty when you changed the details :rotfl:

James240 wrote:

Pretty disastrous month, in terms of money :rolleyes: im £280 overdrawn :doh: back to the drawing board me thinks :think: im going to just take £20 in cash out with me for a whole week, each week then i cant spend anything else will post up me totals this for this month when i get home tonight

:doh:

well I ain't taking you on holiday again!

James240

kipper wrote: »

Did you not notice it was empty when you changed the details :rotfl:





:doh:

well I ain't taking you on holiday again!

Charming :rolleyes:

southernscouser

James240 wrote: »

Pretty disastrous month, in terms of money :rolleyes: im £280 overdrawn :doh: back to the drawing board me thinks :think: im going to just take £20 in cash out with me for a whole week, each week then i cant spend anything else will post up me totals this for this month when i get home tonight

This seems to be a regular occurrence young man so it's one of two things.

You're not being realistic in terms of your 'living allowance' or your wasting money. I also think you should just use the MB money to pay the sodding debt off. How much would that free up a month?

kipper_2-2

southernscouser wrote: »

I also think you should just use the MB money to pay the sodding debt off. How much would that free up a month?

Ooooh you sound like me

James240

southernscouser wrote: »

This seems to be a regular occurrence young man so it's one of two things.

You're not being realistic in terms of your 'living allowance' or your wasting money. I also think you should just use the MB money to pay the sodding debt off. How much would that free up a month?

yeah to be honest mate your pretty much right in that i dont think im realistic in terms of my living allowance at the moment

Ive got to factor in some more money for petrol and the like at the moment cos kips lives 25 miles away from me and my mum loves over 60 miles away so petrol is becoming the main spending point :think: (obviously not the whole £280 over drawn though)

Ive bought meself some trainers this month as well as a couple of tops cos i needed them and to be honest ive been really lazy in not making myself lunches at the moment so thats a fair amount of money as well.

Basically ive been a right lazy !!!!!!! this month and i need to make more of an effort

Ive worked out that ive got £674 left out of my wages so im going to pay £500 of my debts and roll with £174 as living allowance this month and see how i get on with that out of that £174 im going try and see if i can just use £20 a week and use the rest as a "buffer" if i need it

and with the matched betting winnings i now have so many bookies accounts opened im now stuck in 10 diferent places so need money to meet the wagering requirements. So at the moment thats kinda an impossibility All debt is moved on to 0% cards and the 0% doesnt run out for at least another 6 months

Basically ive let me DFW halo slip and ive got to push it back on

kipper_2-2

*shoves his halo firmly back on his head!*

Unless you ain't telling me things :think: you've not been doing too badly recently and in all fairness we did go away this month and was a little extravagant as we hadn't been away since last September and you deserve to treat yourself once in a while ( even though seeing me every weekend is a biiiiiig treat )

You'll get back on the straight and narrow and I will make sure of that!.... plus we a bit too brassic to go away again for a while anyway!

:kisses3:

southernscouser

James240 wrote: »

yeah to be honest mate your pretty much right in that i dont think im realistic in terms of my living allowance at the moment

Ive got to factor in some more money for petrol and the like at the moment cos kips lives 25 miles away from me and my mum loves over 60 miles away so petrol is becoming the main spending point :think: (obviously not the whole £280 over drawn though)

Ive bought meself some trainers this month as well as a couple of tops cos i needed them and to be honest ive been really lazy in not making myself lunches at the moment so thats a fair amount of money as well.

Basically ive been a right lazy !!!!!!! this month and i need to make more of an effort

Ive worked out that ive got £674 left out of my wages so im going to pay £500 of my debts and roll with £174 as living allowance this month and see how i get on with that out of that £174 im going try and see if i can just use £20 a week and use the rest as a "buffer" if i need it

and with the matched betting winnings i now have so many bookies accounts opened im now stuck in 10 diferent places so need money to meet the wagering requirements. So at the moment thats kinda an impossibility All debt is moved on to 0% cards and the 0% doesnt run out for at least another 6 months

Basically ive let me DFW halo slip and ive got to push it back on

Bloody hell mate, I wasn't after your life story! :rolleyes:

Basically you are living beyond your means again. Thats exactly how you got into debt in the first place. If you're overpsending by £250 a month thats £3,000 of debt a year you'll be getting into. I shouldn't have to preach to you!

James240

kipper wrote: »

*shoves his halo firmly back on his head!*

Unless you ain't telling me things :think: you've not been doing too badly recently and in all fairness we did go away this month and was a little extravagant as we hadn't been away since last September and you deserve to treat yourself once in a while ( even though seeing me every weekend is a biiiiiig treat )

You'll get back on the straight and narrow and I will make sure of that!.... plus we a bit too brassic to go away again for a while anyway!

:kisses3:

I tell you everything :kisses3: (apart from the cupboard ladies :rotfl: ) overall its just been a bad month for me spending money any way onwards and upwards

James240

southernscouser wrote: »

Bloody hell mate, I wasn't after your life story! :rolleyes:

Basically you are living beyond your means again. Thats exactly how you got into debt in the first place. If you're overpsending by £250 a month thats £3,000 of debt a year you'll be getting into. I shouldn't have to preach to you!

yeah i know dont worry t hough im going to try harder this month :kisses3: