The 'I want it NOW!!' debt/savings thread - Part 3

Shoe_Gal

jenjade wrote: »

lol love it!
Shoe Gal you signature looks great well done on beating those debts! When do you think you will be debt free?

Thanks Jen

A very, very long time :mad: I have about £25k in total :eek: and used to have it all in my signature but it looked too overwhelming. I now pay minimum payments on everything and am picking one at a time to throw any extra at.

I still like to have a life - and as I am single and live alone the potential of becoming a hermit scares me - so I know it will take a long time, but that's how I've decided to do.

Shoe_Gal

moneymabel wrote: »

Well done on the win jen!!!! I really need to get moneymaking again but I refuse to go back to dooyoo lol. I had a honking hangover this morning and I only had 2 glasses of wine last night ..i havent had a drink for about a year before that though and it showed :-)
Very tired now and just killing time before I go to bed

I am tempted to say you need to practise more to bulid up your stamina - but wouldn't want to ecourage you in bad - and expensive ways :rotfl::rotfl::rotfl:

moneymabel

Shoe_Gal wrote: »

I am tempted to say you need to practise more to bulid up your stamina - but wouldn't want to ecourage you in bad - and expensive ways :rotfl::rotfl::rotfl:

Lol-I don't actually enjoy drinking so no worries about expensive habits :-)I was just round a mates and the xfactor was so crap I thought I'd try a glass. Usually dont coz I'm driving but OH picked me up.

I reckon thats the best way to tackle your debts Shoe Gal, slow and steady :-) you have done really well already though so well done

Shoe_Gal

moneymabel wrote: »

I reckon thats the best way to tackle your debts Shoe Gal, slow and steady :-) you have done really well already though so well done

Thanks I think it's the only way for me - realistically I have cut my SOA as much as I can for utilities, phones, stuff like that - but I still like a few nights out, clothes, shoes (of course ) and other treats but I am strictly a cash/debit card only girl now - and believe, that in itself is a huge change for me I was looking at some old credit cards statements the other day and I realised how much I spent - and how little I have to show for it :eek:

Nichelette

I wish I didn't enjoy drinking lol, I'm quite a quiet person and it's the only thing that makes me less inhibited.

I feel the same about my debt, I know I have my car and so on, but I also have a lot of stuff I never really needed like £1000 worth of corsets . I'm still trying to wean myself off of my credit card, my bill isn't ever very high and I always pay it off in full, I only really use it because I'm paranoid I'll accidently go over my overdraft and get charged...

Shoe_Gal

Nichelette wrote: »

I wish I didn't enjoy drinking lol, I'm quite a quiet person and it's the only thing that makes me less inhibited.

I feel the same about my debt, I know I have my car and so on, but I also have a lot of stuff I never really needed like £1000 worth of corsets . I'm still trying to wean myself off of my credit card, my bill isn't ever very high and I always pay it off in full, I only really use it because I'm paranoid I'll accidently go over my overdraft and get charged...

Your corset collection sounds like my shoe collection

I actually put my petrol on a credit card and pay it in full every month so I don't count this as using credit. I do it for 2 reasons - it means I always have money for petrol to get to work, I have quite a long journey, and also I am scared that if I don't use my card they will close it and I like the 'security blanket' for a real emergency. (I have now realised that the need to buy shoes is not an emergency :rotfl::rotfl::rotfl:)

moneymabel

LOL @ emergency shoes :-) Luckily I'm not that interested in clothes although it would be cheaper than cars! Although knowing the price of some of Nickis corsets I'm not sure about that!

jenjade

yeah cars are much more expensive as a habit!! lol

Nichelette

Sadly I still think I have 'dress emergencies' lol. Clothes really are my weakness and I'm still finding it really hard not to buy them. Fortunately (kind of) for me I had really bad back pain a few years ago which has stopped me from buying corsets like I used to. I bought some really nice towels earlier instead, I figure I might need them soon lol.

Shoe_Gal

Nichelette wrote: »

Sadly I still think I have 'dress emergencies' lol. Clothes really are my weakness and I'm still finding it really hard not to buy them. Fortunately (kind of) for me I had really bad back pain a few years ago which has stopped me from buying corsets like I used to. I bought some really nice towels earlier instead, I figure I might need them soon lol.

I am intrigued by the corsets do you just like them or was there more to it - costumes or something? Hence the change due to back pain