Once More With Feeling! - Buffy's debt diary

beanielou

Buffy my friend
Great to see your happy shiney new diary.
Love your new take on things
Im so proud of you hun XXXX

Buffythedebtslayer

Wow fab - new diary - good luck honey ! XX

beanielou wrote: »

Buffy my friend
Great to see your happy shiney new diary.
Love your new take on things
Im so proud of you hun XXXX

You two are a constant source of support and kindness. thank you so much. I really wouldn't be here with out you xxxx

Buffythedebtslayer

OOps didn't see Shoe gal's and Urg's comments, thank you as well, Between Daily chat and Single and in Debt you keep me going specially recently with all the crap at work and trying to sort stuff out at home.

thank you xxxxx

sarahb123_3

Hi Buffy, love the new plan, it sounds similar to mine (great minds think alike:D). Definitely a good idea to ignore the spreadsheets and constant sums and just concentrate on a month by month basis. I am doing that, meeting all my minimum payments, putting money in various pots for things and any overpayment on anything is a bonus.

I don't know my debt free date either, having a variable income does make it quite difficult. Your new plan means you are paying things off at a sensible pace and having a life at the same time. I really can't tell you the relief I felt when I decided, "Sod it, I will make all the minimum payments and anything else is a bonus but not necessary."

If you have been reading Single and in Debt, don't forget to give yourself a Buffy's Treats Budget.:D

Buffythedebtslayer

Freaky! Just been there! and it looks like I am answering your post here - talk about great minds!!!!

(((((((((hugs)))))))))))

sarahb123_3

Buffythedebtslayer wrote: »

Freaky! Just been there! and it looks like I am answering your post here - talk about great minds!!!!

(((((((((hugs)))))))))))

Big hugs back:A I do think we have a very similar situation, ie similar levels of debt, variable income, etc and seem to have been struggling with this nonsense forever, therefore it makes perfect sense that we should hit on the same brilliant infallable (sp) plan at the same time.:D

I have also decided to post all my spending fro the next month so I can pinpoint where I can cut back, or others can pinpoint it for me.:D At the end of each month I will do a list of all the things i have done to improve my financial situation. I had a nice long list for the end of May despite not doing anything huge in one go, because every little baby step helps.

Remember, even if you do nothing else except meet all the minimum payments and don't add to your debt, you are going in the right direction. Everything else is a bonus.

Shoe_Gal

sarahb123 wrote: »

Remember, even if you do nothing else except meet all the minimum payments and don't add to your debt, you are going in the right direction. Everything else is a bonus.

I love this philosophy - why has it taken us so long to get here :rolleyes:

GeorgeUK

Hi Buffy

Glad to see you've got a strategy that you think will ease the pressure you put on yourself. It's kinda like taking a step back to see the big picture and not just focus on the one area you want to get rid of.

Not much point in spraying the garden with weedkiller if it kills all the flowers – but if you are only focussing on the weeds then you may not get the desired result at the end of the day.

It sounds like a much healthier approach you are taking.

Making time for yourself is important and something I don’t really do. Glad to see you are making yourself a priority among everything else you are working towards.

Do you also build up a cash reserve for unforeseen expenses? I do this so that if something comes along that I have forgotten about, I have funds available and then instead of making so many overpayments, just feed money back into that backup so that I always have a cushion to fall back on. Makes the money worries a little less manic so it's not on my mind all the time.

Lurker1972

Love the title of your diary, may have to put the sound track on & sing while ironing!

sounds to me like you've got the right attitude to balance having a life while kicking the butt of the debt-monster

best of luck

Buffythedebtslayer

Hello

so tired but promised myself I would up date this diary

I spent

14 pounds in Sainsburys (razors, spot cream, deoderant and tights)
28 pounds in M and S (3 work tops, 1 gift, tights)

I have made

10p on the Free bingo.

I still haven't solved my Take a break bingo problem think they have changed the rules!

I have checked online banking. minimum payment for my halifax card has gone out today - how come it doesn't come off the balance immediately!

must do something to wake up............