hopeless but hopefull!!!!

september09

Hi!

Aww it will go away! Ive started to think like that lately but we have to keep our heads up. Things can only get better! :T

We dont really have any savings so I dont really know what to recommend. Sorry I cant be more help!

How was Weight Watchers?

September x

jacey98

hi September

Your right it will get easier i just dont have very much patience once i have decided i just want it done!!!!!!! but a good while to go yet and think i will feel better to be less one credit card.

ww not great put on a pound!!!!! may have something to do with bar-b-que and wine at the weekend......must try harder.

jc x

september09

Ahh the dreaded wine. Im right with you on that one though. Got a friend coming round tonight and we're having italian and wine! Must be extra good for the rest of the weekend to make up for it!
Well it will come off eventually Im sure - after all what goes up must come down!

As for the patience - it is a virtue but unfortunatly I dont have very much of it either.

jacey98

well managed to actually take money from my savings (although some had to be by chq) so paid £500 off card today and will clear it as soon as the chq clears in my bank which will take me to under 6000 of debt........brilliant meant to do ebay at the weekend but failed......but am off on holiday in two weeks so thought might be better to do when back.

also did a bit of xmas shopping this weekend have made my parents a food hamper as they need nothing so difficult to buy for........so food is the way forward.

also cancelled my gym membership and contact lenses plan as not really using either and worked out that will save me £888 a year!!!!!!! cant beleive i have been spending that for so long could have paid of other cc.

have been looking at what else i could cut out but think i am on the minimum for everything else anyway.

jc x

Lemon_Tree

its funny how much you can save by cancelling DD's that you just take for granted that you have to pay. Just having a rethink over everything makes such a difference.

jacey98

hi lemon tree

i cant believe how much money is wasted on things but at least i know i have my mse head on now and wont do the same things again (i hope !!!)

september09

WOW! Well done on those savings on DD's thats brill!
And you're so so much more organised than me on the xmas shopping - Ive got one present but only cos I absolutly had to as it was for my mum and they only had one thing left of what she wanted and if I didnt buy it there and then I wouldve missed my chance as it was being discontinued. And I didnt even really have to use my imagination, though it was half price so go me! :rotfl:
At this rate you'll be well set by december!
Where are you off on holiday then?

September x

jacey98

i know look at me all money saving i quite impressed. im trying to miss the spend it all in dec xmas present rush cause if i leave it it will all be back onto a cc which i so dont want to do at all.

off to turkey for two weeks at the end of september (not very money saving!!) but we got two weeks for 288 each so not too bad just have to reign myself in from buying all the fake handbags that will be out there.

jc x

jacey98

well cheques have appeared in the bank but not cleared yet very annoying as want to pay off card so can have one thing at 0!!!!!!

have also bought a box of mixed cards today from the book people in our office for £4 for 30 cards so should keep me covered for a good year of birthdays and stuff.......was hoping to find some more xmas presents but not very good stuff this week although did manage to get a football related book for oh for £2 so getting there i guess.

Planning on yet another car boot next weekend but think will be the last of the year as weather will get too miserable but hopefully get rid of some of it then start building it up again for next year............not sure i want it all sitting around for 6 months though.

jc

september09

Watch out for them shady figures!

I always look at those boxes of cards but never actually take the plunge and get them..... always end up with a tesco value one or the other extreme one that costs about £5 lol.

Starting next month Im gonna have to start xmas shopping too...just need to sort the budget first!