**Update!** from me!! My diary!

lynzpower

OOOOOOOOOOOH hello PP long time no see

leaving that place sounds like a plan dare I say it being DF isnt the be all & end all , but being good with money is, and you are

travels, now youve made me wistful....

Dont forget hostels online can be booked through pigsback they give pretty good pointage on those

**purpleprincess**

lynzpower wrote:

OOOOOOOOOOOH hello PP long time no see

leaving that place sounds like a plan dare I say it being DF isnt the be all & end all , but being good with money is, and you are

travels, now youve made me wistful....

Dont forget hostels online can be booked through pigsback they give pretty good pointage on those

Hey Lynz!!

Aww, thanks hun, Massive contrast to what I was like before joining in Feb 06, we're almost coming up to our MSE birthdays aren't we!!!

Now I didn't know that!!! :money: How fab!!! xx

**purpleprincess**

Now, I've been thinking.....does freezing your debit card work? :think:

Could anyone enlighten me? Does it damage it?

My spending has been creeping, creeping, creeping!! And I need to whack it on the head!!!

**purpleprincess**

Hullo hullo hullo!! :hello:

This isn’t so much a post of what DFW stuff I’ve been up to (have still been DFW though, promise!:p )…..but felt that I had to post to share my plans with you all!! As you may have noticed I’ve been away from MSE for a loooong while, no real reason just that I’ve been spreading my wings and felt that I haven’t needed to rely so much on MSE, which I did heavily for a long time, it will always be my t’internet home though! But I felt really, really good as I was able to continue my DFW ways and OS ways on my own, bit like riding a bike without stabilisers! Before finding MSE I was a total nightmare!! And now (cheesy as it may sound!!) I feel totally relaxed and am a total dream!!

Anyway, am waffling now!! What I wanted to share with you all are my plans, and it feels only right to share my plans with my virtual family!

Well….. in 3 weeks I am handing in my notice to leave my day job:eek: . I am also doing the same with my part time jobs. I then leave all these jobs on 25th May 2007, scary stuff as I’ve never been without a job since I was 13!!!!!! A week later, BF and I are off for 8 weeks to travel around Europe! :dance: We will be backpacking, I am sooo excited! So that’s the first big thing, and that is what I am saving for, see figures below and also for countdown!! :j

Next big thing….. I am going back to full time education!! I am going back to college for a year to do an Access to Initial Teacher Training course and then next September I’ll be going to uni to train to be a Primary School teacher!!! Finally doing something and feeling amazing about all these new changes!!! Start of my new life soon!!! Got to find myself a part time job when I get back and put an end to these 70 hour weeks :rolleyes:.

And I truly think that I couldn’t have done any of it without discovering MSE:o .

I am so pleased to be sharing all this with you!!

Love and hugs to you all!
:smileyhea
Here's a virtual egg for you all!! :easter_ba

I did freeze my cards in the end!!!

beanielou

Wow, what a lot you have been deceiding.
Well done on following your dreams.
Wish u all the luck in the world.

taxi73

Well done and all the best to you...still keep visiting us though and let us know how you are doing

**purpleprincess**

Well, I'm back!!!

I did all I said I would do, I paid off all my debts bar my loan, went travelling and not for 8 weeks but 3 months! Did my year at college, got mega skint and started uni this September just gone! Phew! Oh and moved!!

Only thing is, I am now back in debt again

Wondered if you lovely chaps could look at my SOA and come up with any good ideas???

Income monthly
£348 from job
£600 from student loan

£948 total

Outgoings monthly
£425 bills
£18 Denplan
£28 pet insurance
£60 MBNA (min payment plus a bit extra)
£12.50 Specsavers
£35 O2
£115.85 Halifax loan
£140 Train season ticket
£25 overdraft interest

£859.35 total

Leaves me with £88.65 a month to live on. I also have to buy things each week for uni such as materials for the course etc

Debts
£1200 MBNA credit card
£999 Student OD (0% so can wait)
£1700 Halifax OD
£1000 Halifax loan (to finish in Sept 09)
£4500 owed to boyfriend (he is happy to wait for this)

£9399 total

The things out of the above debts that are the most important to get rid of are my current a/c OD and the credit card, the loan will finish in September anyway so will have £115.85 extra a month then.

Any ideas of ways I can pay these off quicker??

CAFCGirl

Where the hell have you been stranger?!

After I've got over the shock, I'll be back again with more coherent responses:eek:

*wanders off mumbling.... absolutely flabbergasted*

**purpleprincess**

CAFCGirl wrote: »

Where the hell have you been stranger?!

After I've got over the shock, I'll be back again with more coherent responses:eek:

*wanders off mumbling.... absolutely flabbergasted*

I've been around!! Just not round these parts!!

Thank you sweetpea!!! :A

CAFCGirl

OK had a shower and got a cup of tea and now I'm ready!

**purpleprincess** wrote: »

Well, I'm back!!!


Income monthly
£348 from job
£600 from student loan

£948 total

Outgoings monthly
£425 bills What does this include?
£18 Denplan Whats this for exactly?Can you do without it?
£28 pet insurance Are you tied in? Can you get a better deal?
£60 MBNA (min payment plus a bit extra)
£12.50 Specsavers Whats this for?Contacts?Can you get a better deal?
£35 O2 Mobile phone? Can you change your contract/go PAYG?
£115.85 Halifax loan
£140 Train season ticket Is this for getting to uni etc?
£25 overdraft interest

£859.35 total

Leaves me with £88.65 a month to live on. I also have to buy things each week for uni such as materials for the course etc

Debts
£1200 MBNA credit card Whats your APR? Whats the credit limit?
£999 Student OD (0% so can wait) Ignore this for a while, wont hurt
£1700 Halifax OD Whats the APR on this one?
£1000 Halifax loan (to finish in Sept 09)Whats the APR on this
£4500 owed to boyfriend (he is happy to wait for this)Ignore this one for a while too

£9399 total

The things out of the above debts that are the most important to get rid of are my current a/c OD and the credit card, the loan will finish in September anyway so will have £115.85 extra a month then.

Any ideas of ways I can pay these off quicker??

Can you get any more overtime at work?
Are you on all the click/review websites to earn etc? If you went travelling for 3 months, you can write loads of reviews on Dooyoo, which pay 500 Dooyoo miles per review, get 50k in miles and it equals £50 in cash.
What have you got that you can Ebay?