My Debt Diary

debbycatz

Hi James

I just read through your whole diary last night and wanted to say what a great inspiration you are and what a great diary

Your diary is of particular interest to me because I work my finances in a similar way to you. I also allow myself around £100 - £120 a month for my 'pocket money'. However, I seem to have spent most of this in the first two weeks as I get asked out to lunch, always seem to run out of groceries and enjoy the odd bottle of wine (or three) here and there. I think I will try to divide my max of £120 up into a weekly budget of £30 a week as I'm tired of not having *any* money for the last two weeks of the month because I've blown it in the first two weeks :eek:

I know that you have the incentive of getting rid of your debt, but I am fortunate not to have any debt now (paid it off last week :T ) but I don't earn a very high wage as I work term-time only. This is why I am trying to be much more careful about my money as I ran my debt up by not budgeting properly for household bills and having too many outgoings etc.
I'm vowing to never use my credit card again except in real emergencies. So, any 'spare' money I have am trying to save so that I do have a back up when those unexpected events occur.

Anyway, sorry to ramble - just wanted to say well done of your achievements so far :T

James240

Many thanks ALi007 and Ozzyfan :beer: Will have alook at these when i get home tonight :beer:

hey Debbycatz welcome to the DFW Board :beer: and thanks for the comments about my diary

Basically thats what i try and do in terms of dividing my money up weekly. It helps cos even if you run out of money 2 days before the week ends then u know u only got to wait another couple of days before u can use the weekly allowance you have allocated yourself for the next week

debbycatz

I'm missing your latest diary entry James .....where are you?

southernscouser

debbycatz wrote:

Hi James

I just read through your whole diary last night and wanted to say what a great inspiration you are and what a great diary

My diary is better than Jamesy's! :cool: :rotfl:

If you like reading drivel that is! :rolleyes: :rotfl:

James240

southernscouser wrote:

My diary is better than Jamesy's! :cool: :rotfl:

If you like reading drivel that is! :rolleyes: :rotfl:

typical! :rolleyes: :rotfl:


heheh good news though Egg have only taken the minimum amount from my credit card this month for the previous total so im still within budget

So its all going well........for the moment :rolleyes:

James240

Forgot to add hopfully by the end of September i will be under the £10,000 mark which will be fantastic :j

southernscouser

James240 wrote:

Forgot to add hopfully by the end of September i will be under the £10,000 mark which will be fantastic :j

Hope your throwing a party?

James240

southernscouser wrote:

Hope your throwing a party?

errrrr......yeah.....its bring ur own bottle but u have to bring an additional 2 for the host :rotfl:

southernscouser

James240 wrote:

errrrr......yeah.....its bring ur own bottle but u have to bring an additional 2 for the host :rotfl:

Which you can then sell on for profit? :think: I like this idea!

Or you could just get competely w@nkered! :rotfl:

James240

southernscouser wrote:

Which you can then sell on for profit? :think: I like this idea!

Or you could just get competely w@nkered! :rotfl:

oooo drink one sell one i like this idea