Newbie DFW.........Diary of Tisme 2009
TismE_3
Forumite 151 Posts
Hi, I’m not really sure where to start so I’ll just waffle on for a while…….
I’ve been trying to post for a while but every time I send the post I’m logged out !? Very annoying, so wrote this in WORD and copy and paste it here this time ….live and learn eh!.
I re found this site at the beginning of feb and read the posts with interest daily, it was while reading a diary ( miss shoes, I think!? ) I felt inspired to begin my own diary so here goes……..
I’m 32 live with my partner of 8 years, I have two girls aged 10 and 12, both going on 18!! We have a lovely staffy called Molly, she’s my buddy.
I wouldn’t consider myself to have any hobbies as such, but do like gardening, but am more of a fair weather gardener than a hard core digging in the drizzle kinda gal!
I love car boot sales with a passion!
I’m not that into TV, although it always seems to be on! …I do like come dine with me and master chef but not into the soaps. I am a total LOST fan so no talking while that’s on I’m afraid!
Although I’m in debt, I am currently saving for a wii and wii fit, which on the surface doesn’t sound that great for a DFW but I’d normally whack it on my overdraft rather than save for it , so it’s a start eh !?
Whacking things on my overdraft is what has been my problem; I’m currently overdrawn on both my accounts and also have a personal loan.
Personal loan I’m not sure I can do anything about that at the moment; I would need a good chunk o’ cash to pay that off.
So I’m concentrating on the overdrafts.
Overdraft one……-£2,280
Overdraft two…..-£2,264
Total £4,544 + interest (?)
I hope this will post this time………..
Tisme xx
I’ve been trying to post for a while but every time I send the post I’m logged out !? Very annoying, so wrote this in WORD and copy and paste it here this time ….live and learn eh!.
I re found this site at the beginning of feb and read the posts with interest daily, it was while reading a diary ( miss shoes, I think!? ) I felt inspired to begin my own diary so here goes……..
I’m 32 live with my partner of 8 years, I have two girls aged 10 and 12, both going on 18!! We have a lovely staffy called Molly, she’s my buddy.
I wouldn’t consider myself to have any hobbies as such, but do like gardening, but am more of a fair weather gardener than a hard core digging in the drizzle kinda gal!
I love car boot sales with a passion!
I’m not that into TV, although it always seems to be on! …I do like come dine with me and master chef but not into the soaps. I am a total LOST fan so no talking while that’s on I’m afraid!
Although I’m in debt, I am currently saving for a wii and wii fit, which on the surface doesn’t sound that great for a DFW but I’d normally whack it on my overdraft rather than save for it , so it’s a start eh !?
Whacking things on my overdraft is what has been my problem; I’m currently overdrawn on both my accounts and also have a personal loan.
Personal loan I’m not sure I can do anything about that at the moment; I would need a good chunk o’ cash to pay that off.
So I’m concentrating on the overdrafts.
Overdraft one……-£2,280
Overdraft two…..-£2,264
Total £4,544 + interest (?)
I hope this will post this time………..
Tisme xx
0
This discussion has been closed.
Latest MSE News and Guides
Replies
Welcome to the boards:beer:
I have 2 girls too - mine will be 10 and 12 in May...hard work sometimes (in particular no.1 daughter;) )
Why don't you post a SOA soon....then the clever people can maybe help with cutting pounds here and there?
Keep posting:D
Glad you've managed to post this time. This site really is great for advice on all money matters (especially the DFW board). Looking forward to reading your diary. Like millyscarlett says posting an SOA is useful to you to understand exactly where you money goes, and to the peeps on here to give you advice. Also I highly recommend keeping a spending diary and writing down everytime you spend anything - mine was really eye-opening and highlighted where I could cut back.
Tixy
Glad that you refound us
Pop up your SOA when u get a mo & keep posting!
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
Plus just to echo what the others have said about an SOA and spending diary.
Good luck on your debt free journey
MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
Thanks for the welcome:T
I have read of SOA am i right in thinking there is a form i can fill out to help? if so where would i find this form!?
Theres so much info on this site i keep getting lost while looking around!!
Anyone got and spare elastic....could tie it round my ankle so i can find my way back!!:rotfl:
Tisme x
Well done on coming back
Hopefully that'll work.....;)
i will do my SOA a.s.a.p just took a look and its very detailed, most of the actually figures i have no idea of , so will have to do a lot of rummaging through paper work, thats if i can find it !! ( no real system in place im afraid...oppps!)
I must get organised.
so tomorrow i will get more organised, and start my spending diary,:T
night night all.
Tisme xx
Been up a while reading some posts and diaries already for a dose of inspiration....thank you x
I have already tried to post this once today but was logged out again for some reason!? ....my because i dont type that fast and advise on this would be great as its very annoying !:mad:
Anyways.....
Took Martin to bed with me last night!! :money: picked up his book The Money Diet yesterday at the car boot for 50p! is an interseting read and a real eye opener cant wait for next instalement tonight.
Today is the only day i actually leave the house to work, so got loads to do, mondays are always hectic for me, partly down to leaving things to the last minute, naughty!
With my new DFW life style this will help me become more organised i hope :rolleyes:
TO DO TODAY.
dye hair......check
unload car boot stuff from car
sort out work stuff and load car
buy raffle prizes for work
not buy any thing else for tesco
roll own ciggies for today
tidy house a little
load washer and clothes airer
eat food already in house
turn heating off before i go out
drop kids at mums for the night ( hopefully! )
wear slippers!!......Check
eat before i leave for work
start a spend diary!
leave bank cards at home
Better get cracking !! Have a great day all :j
Tisme xx