dottyanne's debt diary

Pobby

Sorry to hear about that Egg loan.Thinking of you

---

xx

dottyanne

Thanks Pobby - although some good new to add - my child benefit is going into my account tomorrow (forgot about it!!!!) thats £160 ish so i should be able to catch up this week!! xx

Pobby

Nice one dotty.

dottyanne

Ta Pobby. Sent a cheque to egg today - read in Martins book that the first few months after you begin to live you r life on a budget is tough (not exact words but near as damn it) and thats how i feel. I actually feel worse off at the moment and feel im living more hand to mouth than i was before!!

Pre-lightbulb moment - hardly missed DD's at end of month - have missed them 2 times since!! Maybe im trying to run before i can walk and catch up to quickly but i so want to be free of this burden!!

Any tips from people who have been/are in this transition period as i am ????

dotty xx

Pobby

Sorry that it`s not been a good day dotty.Not had a brill one myself.

southernscouser

It takes time dotty! Even now I wouldn't say I'm 100% on top of things. I'm still not budgeting for things like Xmas or car insurance, service! :doh:

You are doing great though. Just remember all the old sayings;

Rome wasn't built in a day

From small acorns, might oaks do grow

One step at a time

They are all wise words and are so true to our plights!

Keep it going hun!

lynzpower

dottyanne wrote:

Ta Pobby. Sent a cheque to egg today - read in Martins book that the first few months after you begin to live you r life on a budget is tough (not exact words but near as damn it) and thats how i feel. I actually feel worse off at the moment and feel im living more hand to mouth than i was before!!

Pre-lightbulb moment - hardly missed DD's at end of month - have missed them 2 times since!! Maybe im trying to run before i can walk and catch up to quickly but i so want to be free of this burden!!

Any tips from people who have been/are in this transition period as i am ????

dotty xx

Id say your about where I was about 5 weeks ago, no matter how hard you try, the payments just bounce. Happened to me, I was gutted.
But this month, I feel more relaxed about it now, and everything is coming out and shouldnt bounce, as long as I dont draw out more than a tenner before friday, payday.

When I get paid, Im gonna think about what else can be cut back on, cos Im feeling a bit on my laurels. I think its just time, and bits & pieces, see in my sig, that annoying £2.odd . Ive budgeted for that to come off my b/card tomorrow. Bit sad really, but it will seem a bit better for me somehow!! Such a piddling amount!!

dottyanne

Thanks you guys. It beggars belief really that once you are actually doing something about your spending habits and reducing your debts that you should be in a worse position that before!! Strange but true (well in my case anyhow)!!

However I suppose it takes time for th changes to start showing i.e i have been budgeting to pay £10 onto my BT account payment card and have paid on £60 so far, as the last bill was £160 and it was a struggle to find all that at once - at least this way if i continue the way i am then there wont be such a shocker of a bill to be paid when the next one comes round!!

I suppose ive just got to keep plodding on - its hard to try to pay of debts, live and save for things like christmas etc.....however, this is always a major worry for me as me and Oh have 6 kids betweeen us, and of course other family too - so it's always an expensive time -this is one thing i am determined to try to save for !!

Anyhow - catch up later - bye for now - dottyanne...xx

ms_london

dottyanne wrote:

However I suppose it takes time for th changes to start showing......at least this way if i continue the way i am then there wont be such a shocker of a bill to be paid when the next one comes round!!

I suppose ive just got to keep plodding on - its hard to try to pay of debts, live and save for things like christmas etc.....however, this is always a major worry for me

It does take time for the changes to start showing, you are doing SOOOOOO well though & wont be long before you are on top of everything & are reaping the rewards!! Look back to your original SOA and see how things have changed? Are all of your debts/arrears under control now? Hows business?

In terms of Christmas, start looking for bargains now. Perhaps lower your budget for each person, I know its difficult when it comes to kids, but they'll understand I am sure as things will be better for them in the long run?

Keep up the good work.xx

dottyanne

Thanks ms_london. I'm going to do an updated SOA soon - perhaps at the end of this month?? By then it will be 2 months since i started as a DFW - it does, however, seem a hellovalot longer!!!!!:rotfl:

I suppose I have good and bad day's and am learning constantly about money.

One thing tho - last week paid £100 of OH CC (was in arrears they requested £97.30 to be paid) so I paid the £100, in the meantime got a letter from Debitas Legal Services to say as we defaulted (was Capital One by the way) they were taking over the account - anyhow wrote to Debitas and Capital One stating that I had paid and they had cashed it - this morning received another letter off Debitas to say they were sending an agent round !!! Dont want that at all - any advice?? Should I pay Capital One direct?? what can we do??

dotty xx