SS's Debt Diary!

southernscouser

Lovestoshop! wrote:

How can you get new cards? I can't get any, think I have too much credit!

Well last year I was always getting rejected. Checked my credit file and found my ex-fiance was on it! Got her removed and then reduced all my credit card limits so my potential debt was less.

Also stopped applying for a few months then tried again and luckily was accepted!

Bothered!

southernscouser wrote:

Well I'm below the £30k mark so this is how things stand!

Amazing inspiration to us all SS, well done for breaking the 30k barrier. :T

comicmankev

Great stuff. When you put the 2 totals together like you did it looks even more amazing!

My debt totals have been pretty much the same as yours, but not able to do as much paying off as you, but this is so great to follow, a real inspiration! An it doesnt appear that you have been 100% strict like some others, which shows you are real too!
lol

southernscouser

I feel my budgeting isn't working too well! :doh:

Because I've got money in my pocket I just seem to spend it!

I've spent £39 in one week already so I've only got £61 to last me 24 days! :wall:

I've also only had 1 no spend day this month which is quite dissapointing! :rolleyes:

But I've got renewed optimism now I'm below the £30k mark. Next target is £25k but I won't reach that until December!

James240

awww dont worry mate :beer:


your doing fantastic keep your chin up with the £61 left divide by how many weeks there are and try to keep to the individual weekly budget thats what i try to do

Jaymz

Just read most of the thread, well done for breaking that barrier! You are giving us all inspiration to help clear our debts.

D&DD

Hi SS are all your bills etc taken out and this £61 purely for spends or do you have anything else to pay out of it as well..How are you off for food,travel to work etc..You CAN do this honest!! I left us with about the same for the last two weeks last month (slight miscalculation ) but we survived and theres 5 of us :eek: You'll just have to stay in all the time and talk to us nerds for your entertainment

southernscouser

Hey D&DD!

Basically I take £100 out on payday which is for going out, hobbies (fishing), toiletries and any bits and pieces I want/need.

I have a petrol budget of £100, this includes getting to work.

As for food I still live with the old folks :doh: so thats included in my rent!

I shouldn't moan coz £100 a month to spend on me should be plenty but I just feel I've wasted alot of it. Would rather have put it to my debts! :rolleyes:

iwanttosave_2

Your doing great babe, you should make sure you enjoy your £100 a month otherwise you would just get p1ssed off with having nothing fun to do

JAMIEDODGER

ss, would it be easier to take out £25 a week instaed? that way when youve spent it all technically its only 6 or less days til you get "paid" again