My Debt Diary

James240

intel wrote:

He he he.. Im gonna spunk a fiver on a fried brekkie,
Id like to see a bailiff get that one back....

PMSL!!!! :rotfl:

Trust u to come out with that Intel :beer: :rotfl:

southernscouser

James240 wrote:

aarrgggghhh just succumbed to temptation and spent 40p that i found at the back of my desk drawer on a packet of crisps :doh:

40p! Thats quite expensive! What ones were they? :think:

Willsnarf1983

JimBOB!

glad things are getting better for you bud!

and southern scouser, i don't think there was anyone tighter than you!. Always made me smile when you got change from the guy that would buy ur carrot or piece of fruit lol!

will

James240

southernscouser wrote:

40p! Thats quite expensive! What ones were they? :think:

Walkers Prawn Cocktail SS :rotfl: from a vending machine lol

James240

Well been down to Tesco's today to buy some sandwich meat, lettuce and bread that came to £3.53 so ive now got £12.47 left hopefully wont have to spend much else this week until Friday, cos ts a friends Birthday at work and i really would like to go for a couple of drinks in the pub here going to. But if i dont have anything left in my budget then i ont be going cos i really do want to stick to this.......

southernscouser

James240 wrote:

Walkers Prawn Cocktail SS :rotfl: from a vending machine lol

Good choice of flavour but not at that price! :rotfl:

James240

i know mate wont be doing that agian....Off to Barclays tommorrow to see if i can sort out me bank account and get the charges dropped.......

southernscouser

James240 wrote:

i know mate wont be doing that agian....Off to Barclays tommorrow to see if i can sort out me bank account and get the charges dropped.......

Well done mate. Threaten to close your account! That should do the trick!

pavlovs_dog

from my days in student halls carting clothes back and forth to the launderette, those big blue ikea bags that you use instead of baskets but can buy at the tills were great for all dirty clothes.


have you given any thought as to what you will do with all your 'spare' money once you are debt free? nothing like having a goal to motivate you to work harder

Nightowl

One of the first things I did when I got my Money Diet book for Xmas was go to the bank (LloydsTSB) and ask what I was getting for my £10 per month current account charge and £7 per month Budget account charge. I was getting lots of perks but I wasn't using any, downgraded both account to classic account and kept both overdrafts - both over £1000!! They are still laughing cos i pay such high interest on my overdraft but I am now saving £17 per month - felt sick when I worked out what i'd paid them unnecessarily!! Hope to get the overdrafts down when I sue them for bank charges for the last 6 years. Bit scary that one but I'm looking into it!!! Will be over £900 if i'm successful. See the bank charges - illegal? thread. Hope this is of some help, let me know if I have been unclear.
Nightowl.