my debt free diary.....time to make a change for myself and my boys!!!!

justruth

Thats really positive, you are soon going to be absolutely sorted! Well done on everything. (I can't make any comment about the takeaway despite being very supportive and impressed at the changes you made as I eat ready made too much since moving into halls)

You will soon get it so that money saving is automatic.

samboss0306

Hi justruth it doesnt reaaly feel like we are getting anywhere with the debt at the moment as we have no money to throw at it. i think it is just a case of not spending at the moment until the bank accounts sort them selves out then we can start overpaying on things. put £20 petrol in the car today but that it all that was spent.:D

seriously running low on food now but trying to hold out till oh gets paid on wednesday as we literally have no money!!! i hate being in this situation but we have only got ourselves to blame!!

hopefully with partners weekend work coming up will have enough money to pay off the egg card in a couple of weeks so that will be one down. oh well the only way is up!!!!:rolleyes:

samboss0306

Just a quick update for today, spending the day at home tidying and cleaning and i really need to sort my folder out for college tomorrow as it is a complete mess!
going to try and rummage through cupboards to find something for dinner later :rolleyes:

still have not paid any overpayments towards the debt as partner does not get paid till wednesday.

xxx

justruth

Thats progress though as you are not getting the credit cards out just yet.

samboss0306

Hi justruth, i suppose your right as befor we would of used the credit card by now, so hopefully we are taking a step in the right direction.

partners pay day today and the bank accounts are not looking so bad (i think it is because we spent so little last week!!!:j )
anyway managed to pay

• this weeks rent
• £20.00 to chioce catalogue
• £25.00 to egg CC

we are going to try and not spend much money again this week and hopfully we will be able to pay a lump sum off the egg card next week:j (fingers crossed!!!)
xxx

samboss0306

Been food shopping and spent £50 but apart from that have not spent anymore money. i didnt realise how we could live on so little if you put your mind to it but i think i have learnt not to waste money now!!:rolleyes:

oh has got a kitchen to rewire tommorrow so i will take the boys into town to get their hair cuts so that will be a bit of money spent but they really do need it!!

im really tired today so just going to stay at home and do nothing!!

xxx

samboss0306

Another NSD today, have not been far today had to take my eldest to the doctors this morning but apart from that done nothing!!

oh working today so i thought i would stay in so i cant spend any money!!

oh had a call out last night and the man gave him £100 as he was there all evening!! that will go straight to the debt so that helps. :j

Does anyone know how long a balance transfer takes to go through?

ive got so much to do today still but really cant be bothered!!!

• hoover
• clean bathroom
• polish lounge
• sort out college folder
• college homework
• bath little ones

I wasnt lying when i said i had done nothing!! better get started............................soon!!!!:eek:

justruth

Ha, it's never ending! As for BTs it varies depending on where it's going to or from, I usually allow about a week.

samboss0306

i have paid £40.00 to the HSBC credit card this morning im still waiting for the balsnce to transfer to my asda card as it is 0% for 9 months on balance transfers but im still waiting for it to go through. i have recieved my asda card and pin (last week) but the balance is still showing on my hsbc card so im not sure what is going on!!!

can anyone help me please!!!!!

xxx

justruth

I'd ring Asda if it's been more than a week, use the saynoto0870.com number if appropriate.