My Debt Diary

Verbatim

Yeah well done James.

What's £20 between friends. Whoops, ignore that, not very DFW:rotfl: :rotfl: :rotfl:

Imelda

Well done James,
So you've reduced your overdraft by £80 this month, you'll definitely be in the black next month. How about shutting down the overdraft to stop you from being tempted? This is what I have done and it is surprising how much more careful I am now with my account knowing that there is no room for error (there is of course an emergency £200 in a savings account should I need it).
Immy

ozzyfan_2

hey James , I'm going on holiday on Saturday too, its the first one we've had as a family Not going far away but its all been paid for in cash & like you said all spending money is under control here too!

You have a great time & enjoy yourself, life is for living too & you've done so well, so you enjoy the break :j :j :j

James240

ozzyfan wrote:

hey James , I'm going on holiday on Saturday too, its the first one we've had as a family Not going far away but its all been paid for in cash & like you said all spending money is under control here too!

You have a great time & enjoy yourself, life is for living too & you've done so well, so you enjoy the break :j :j :j

cheers Ozzyfan :beer:My holiday isnt until the begining of September so i still got a bit of a while to wait lolbut have a great time on ur holiday and have a well enjoyed rest :beer:

James240

Imelda wrote:

Well done James,
So you've reduced your overdraft by £80 this month, you'll definitely be in the black next month. How about shutting down the overdraft to stop you from being tempted? This is what I have done and it is surprising how much more careful I am now with my account knowing that there is no room for error (there is of course an emergency £200 in a savings account should I need it).
Immy

yeah i have thought about getting rid of the overdraft Imelda but i get the feeling as soon as i do, something will come back and bite me in the butt and ill need it lol

James240

Verbatim wrote:

Yeah well done James.

What's £20 between friends. Whoops, ignore that, not very DFW:rotfl: :rotfl: :rotfl:

:rotfl: :rotfl::beer:

bluezone

Where are planning for your holiday james?

James240

bluezone wrote:

Where are planning for your holiday james?

Im off to the West of France nice cheap hotel and then basically just going to laze about doing nothing and having loads of lie-ins and sampling all the cheap booze going with a few friends of mine. Hopefully will be a wicked holiday

ozzyfan_2

Your holiday sounds like its going to be great James, especially the cheap booze bit

James240 wrote:

cheers Ozzyfan :beer:My holiday isnt until the begining of September so i still got a bit of a while to wait lolbut have a great time on ur holiday and have a well enjoyed rest :beer:

Thanks, I'm going to make the most of it as when I get back every single penny is going to be thrown at the debt so I can hopefully break the back of it by the end of next year. Not taking my debit card with me either, just the money I've saved from doing extra jobs so if it runs out theres no temptation!

Willsnarf1983

hello mate

nice to see things are going well, did u get my pm, well i presume u did just chose not to reply lol

Will