I had a wobble and I think i need a diary

so_here_we_are

Morning

Everything seemed to be going so well yesterday but when i got home the post man had been and there was a letter from one of my cc's (Ironically the one i cut up last week). Well the letter said they were reducing my credit limit, (so i dont get my self into trouble) and i have an awful feeling that this limit is below my current balance whic is marvalous as that will probably give them the right to charge me.

Well we shall see about that!:mad:

So last night i was on a bit of a down, its like i'm just getting my head together and then they kick you when your down.

It also got me thinking as to the state i have got myself into, why did i do it? why didn't i learn? why did i repeat old mistakes? why can't i stop spending money? and so it went on..... Right up until i got to the point where i decided i was sick to the back teeth of being broke and the reason i am broke is because i have debt and i owe and have to use spare cash to debt bust instead of enjoying it. I official hate having such a tight budget! :mad::eek:

This morning however i have woken up with a better out look, yes the above is still true and i am still stupid for getting myself into this but no the cc is going to get it. I have woken up with a more determined approach.

I have £34 to last me till Monday and last me it will! Then on monday if i make it i am going to have the same budget, if i can do it one week i can do it the nxt. Today will be a no spend day as i don't need anything and i intend the same for tomorrow. My NSD target is no 20 - out of necessity more than anything- i havent declared this on the thread yet but i might once i get to 10.

That evil cc is going down! Starting today and then onto then nxt (i believe that to be a battle cry):rotfl:Watch this space.

Well hope you all have a good day, onto work.:o

Double_Trouble

SO here we are congratulations on waking up feeling positive this morning. I am sure you would have a case for reclaiming charges if your CC end up charging you when they have put you overlimit. You are doing so well and Christmas isn't that far away it is short term pain for long term gain.

Keep going girl I will be watching :rotfl:

DTxx

so_here_we_are

Money from Ebay has come in today, so i've PADDED that and i still have £34 in my purse, have got to buy milk and bread and a few other bits today so the budget will go down but i expected that.

Will let you kow how that goes later on.

Also i check the cc and they are reducing it steady, so once i get to the limit then it will go down, so at the moment it covers what i owe, so not so bad, will keep checking it though. Don't completely trust them oh and its still got to go!

Double_Trouble

Your are doing great guns with PAD well done you. glad the CC co are playing ball for now but I don't blame you keeping an eye on them.

DTxx

so_here_we_are

Well it sunday, and i can officially made it.

I still have £10 and a few coppers in my purse and nothing to spend them on today. Yippppppeeeeeeeeeeeeeeeeeeeeeeeeeeeee:T

So please when i wrote my budget it down on here i had no clue how i would do, i had no choice but to make it as there was nothing else in the pot but i did feel like i would be scrapping though but to still have a tenner left is amzing and just proves when you put your mind to it you can really budget well - revolation for me anyway.

Onto to nxt weeks challenge i have given myself £30 to make it through (after i get paid tomorrow that is)
Hope you've all have a good weekend, let keep up all the good work

SarahNeedle1872

Hiya shwa from a fellow PADer....:hello:

Sorry to hear about your card, definately claim any charges back on that, they are out or order doing that!:mad:
Glad you are sounding positive though! I'm totally with you on the slip up.... I tend to deprive myself for ages then go mad on a blow out!

Will be subscribing to your diary

Sx

so_here_we_are

Oh dear it was all going quite well.

I haven't been near this website for a while as things have changed at work and i can't get on here as much at home, it almost feels like i have fallen off the wagon again.

I haven't been able to PAD as i have noooo spare cash and it doesn't feel like i am any further forward. I haven't spent on my cc's or OD which is great and i'm spending only my cash.

We are coming to the end of the month and i have no money but i can start again on Friday.

Does everyone have times like this or am i just rubbish? I do wish i could stop spending on food though - it seems thats where all my money goes.

Still struggling on, trying to fight the good fight!

Oh well at least this time next year all will be better than now.

Double_Trouble

I think there are a lot of people struggling at the moment I can't PAD either for another 6 weeks but you haven't increased your debt and that's what counts and we will start moving forward again soon just have to be patient but it does make you feel a bit deflated.

You are doing well and you will get there.

DTxx

so_here_we_are

I'm back it has been about a month since i was last on this Forum, I kind of abandoned it all. I have missed it though and i have been trying to follow it as and when was possible

I didn't go completely mad but i had a few things that i had to do and a bit of money to spend and i guess a bit of life to get out of my system.

My struggle has always been knowing i was in debt and still trying not to let life pass me by.

I haven't increased my debt (well not by much) and i haven't added to my CC's, I have been very very broke, srimping and scrapping every last penny, not paying alot off but getting by. Putting everything i have into either the spend or to pay off pot trying desperately not to use the CC's.

Will try and do a little tot up of where i'm at will my debts, as long as they have not gone up over he last month i will be happy.

Here we go again.. Still targeting Christmas....

Oh ye it is also brilliant to see people paying of debt and it hits you i want to be like that and then its like well get a grip and you could be so heres the grip and god i had better hold on tight

Keep up all the good work xxx:o

Double_Trouble

I think you should be pleased with yourself, you have had a splurge but not gone mad and hopefully not increased your debt by much and are having a life and you are back to deal with your debts - sounds good to me :T.

What would you have done before run up more debt on your CC?

So don't be too hard on yourself

DTxx