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SS's Debt Diary!

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  • kathfisch
    kathfisch Posts: 3,042 Forumite
    night night! :D
    Don't stress, relax, let life roll off your backs. Except for death and paying taxes, everything in life is only for now... Avenue Q
    Official DFW Nerd Club - Member no. 003 :DProud to have become debt free... and striving to keep it that way
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Am I too late????????

    1 bottle of home made wine (2000 vintage!)
    3 bottles of Stella (out of date)
    1 pot luck dish from freezer (is either thick soup or runny casserole:confused: )
    and......

    (this should clinch it)......

    ...... 1 car park exit token from Holiday Inn Express.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Well I spent £81 today but that was on my Amex CC direct debit which means the debt has gone down again! :dance:
  • whatamess_2
    whatamess_2 Posts: 2,956 Forumite
    Well done ss:j Keep the numbers going down.
    Messy
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Just transferred £260 to my Amex card from my Capital One card at 4.9%! :j

    They tried to charge me 2% but I politely reminded them that it's free until 22nd September! ;)

    So when that has cleared and my Capital One DD goes out at the end of the month it will be below £6,000! :dance:

    I know it doesn't really count as it's shifting it to another account but [STRIKE]psycologically[/STRIKE] [STRIKE]phsycolgicly[/STRIKE] mentally :p it is a boost to see it say £5,XXX rather than £6,XXX! :o
  • homersimpson_3
    homersimpson_3 Posts: 1,249 Forumite
    I know it doesn't really count as it's shifting it to another account but psycologically phsycolgicly mentally it is a boost to see it say £5,XXX rather than £6,XXX!
    psychologically one of tricks to reducing debt is to set yourself little milestones and when you reach them give yourself pat on back - aim for £6000, then £5500, then £5000- so each month it reduces. you may have only shifted debt but you also saved yourself a bit of interest in process and every little helps.
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    southernscouser wrote:
    Just transferred £260 to my Amex card from my Capital One card at 4.9%! :j

    They tried to charge me 2% but I politely reminded them that it's free until 22nd September! ;)

    So when that has cleared and my Capital One DD goes out at the end of the month it will be below £6,000! :dance:

    I know it doesn't really count as it's shifting it to another account but [strike]psycologically[/strike] [strike]phsycolgicly[/strike] mentally :p it is a boost to see it say £5,XXX rather than £6,XXX! :o


    Well done SS! I will now up my bid to include a Tescos R n R chicken!
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    ali007 wrote:
    Well done SS! I will now up my bid to include a Tescos R n R chicken!

    Cor blimey! Didn't realise I was held in such high asteem! :rolleyes: :p
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Just ordered my Experian credit report (£2) to check that a couple of accounts are now showing as settled.

    As soon as that is sorted I'm gonna apply for a new low life of balance card! :j

    Also been doing some sums and May really was a bad month for me! I was overdrawn by £439.17 when I got paid! :o:o:o

    This month when all direct debits are out I will be £223.83 overdrawn but this does include £120 for claiming my bank charges back through moneyclaim so without that it would be £103.83 OD!

    I've also got petrol to come out of that which will probably be £40 and thats also providing I don't spend anything either which isn't gonna happen so I'm targetting being overdrawn by £200. :doh:

    I can't have a repeat of last month coz I feel I've really let myself down. It's such a good feeling having money left the before I get paid (only a few quid mind) so I'm determined to get back to that stage again.

    Got some bits up on ebay and should they sell that will be £80 minus fees. :T

    Anyone got any tips to refocus my efforts? I'm desperate to get back on top so hopefully that will be enough! :confused:
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Don't get too carried away - use by date is Sat!
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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