I'm Betty and I'm in debt!!!

Bad_Weather

No I haven't quit already!

Still skint... still miserable... still in debt... ... I was so much happier until I acknowledged this darn debt!

I still feel like I’m sitting in limbo land... waiting on pay day... waiting on extra money coming in some way shape or form... pay day is a new day... 31st of July baby!!! Whoop Whoop!!! :j THEN what's left of 'THE PLAN' will but put into action and I can feel like I’m doing something!

Didn't win the e
Euro millions... a shame... I'm pretty skint this month... I could really do with a couple of millions this month!

PROGRESS?

I've signed up for some Mystery Shopping site's... not getting anywhere yet... only getting Pharmacy's (where I require a prescription) and fast food outlets... no my ideal places and schedules and locations not fitting in with work but hopefully this will pick up once I’m fully registered!

Surveys signed up for surveys but not really getting any either... :mad:

Complex... Is it me?!? :cool:

My Debt riddled friend and I compared situations at the weekend... this comforted me... what's the phrase Misery likes company??? :beer: This might make me a bad person but to have someone (I know) in a similar situation made me feel better... I know i'll probably be going to hell but it'll be hot and i'll probably know people there!


Plan: Sorry if im repeating myself but need to recite this to myself to keep me going:

• Debt Free March 2010 (I've changed this date) :T
• Save 10% Deposit and get a beautiful wee flat! :j
• Continue to be money wise and save! :rotfl:
• Move to Mortgage Free Wannabe forum! :hello:

I vow that every single extra penny I have from now until I’m sitting in my lovely living room in my own flat will go on either clearing my debt or saving for my flat!

Night Night x

P.s Tomorrow is a new day...

Bad_Weather

Keeping myself on track...

Changed Barclays address... Friday I am... well friday is pay day and im getting DRUNK...

Saturday I am going online and paying off balance, THEN im filling in forms to do my balance transfers... i'll be SUPER skint next month but it will be so worth it to get THE PLAN into action!

ALL Address's changed over, Council tax/electrol roll sorted, opened and organised all mail Erm what else? Can think of much, thinking im using my last pennies to go out for dinner with the OH to with a buy one get one for £1 voucher

Still don't know is M&S will give me a balance transfer as currently at limit, so once transfer over will ask then if available.... if still not then no other choice but to keep plugging away at the (what will be 4,800)!

Dex

Hi Hezybaby,

Its frustrating at times isn't it, the amount of nights i've laid awake working it all out in my head... there are times when your really up for it and others when you feel like there's no point.... but I am determined to keep going I get paid on the 25th so I've already been paid and already I have no money and am waiting for payday (again!)

What keeps me going is thinking about all the extra money I will have to save/ do things with once I've paid off my debts...

It will get better, we will do this :rotfl:

Bad_Weather

15 hours and 19 min to PAY DAY!!!

Dex

Hezybaby wrote: »

15 hours and 19 min to PAY DAY!!!

Yippeee:D:D:D:D:j

Rainy_2

Hezybaby wrote: »

15 hours and 19 min to PAY DAY!!!

Same for me! :beer: :T :j :cool:

Bad_Weather

HIGH FIVE DEX AND RAINY!!! :T

PAY DAY HAS FINALLY CAME! :beer: :j :T

It was close call but I got there in the end!

Signed up for the August Groccery challenge... 90 bucks... allocated myself 50 a week for all the nights out I have planned... then the rest is going to bills and debt!

Don't know if that's enough but it will ehhh need to be!!! :money:

Bad_Weather

Today I’m ill .... a mixture of a hangover and a non self inflicted disease! Spent NOTHING last night! HIGH FIVE ME!!! Night was prepaid but I was certain I would go have ended up spending something!

I have decided that if AT THE END OF THE MONTH I have any cash left from my 'pocket money' I’m going to start accumulating.... pots... utensils etc... for my flat ....keep up my inspiration! May sound like an unnecessary spend... as per my snowball I wont be clearing my debt until July 2010 (which is roughly what I had worked out) BUT I figure that come July if I’ve got alot of the small bits and bobs then hopefully when I move in it will just be the big things I need to get! Plus seeing my flat stuff accumulate will help keep me motivated...

Bad_Weather

Been thinking again... hold the applause...


Scrub the above... im going to be lucky if i have a penny left at the end of each month... and if I do its not going on that stuff YET that can be after Christmas when hopefully ill be moving on to phase 2 of the 'THE PLAN'...

Friday and Sat No Spend Days... high five me...

Today Spent about 20 quid... (no fives...)

1,200 left of Income
(200 to go to car)
(360) to go to BOS
(60 to go to M&S)
(270 to go to Barclays)
(12.50 to bank acc)
(30 to bank acc)
267 roughly left

I have a wedding and engagement and am away for a weekend... the maths arent adding up... this month I knew was going to be particuarily bad as I had to clear my Barclays to do my balance transfer next month ill be back on my feet...as ill only have one large payment coming out (BOS) and the other 2 cards will be condensed to one 0% minimum payment.... worst case is I have a charge card where ill put my food shops on an it comes off exactly 30 days later... no ifs no buts it comes off... but thats worst case senario... I got paid 3 days ago and I spend 20 quid... thats easily a record... (high five)

Final Score: 2 high fives v 1 no fives (I win this round debt)

Bad_Weather

Lost my train pass... 20 quid to replace it ... (no fives)

(Hezybaby 1 v Debt 1)