Loved life a wee bit too much!

skintbuthappy81

You know where we are hun :A xx

BEAT_THE_DEBT

Thanks skint and mrs R you are both so lovely!!!:) The diet coke was nice but i can live without it!:o
Mr R you are right i suppose i recognise now when i am spending on unnessasary things!
I feel a bit of a fraud as i still use two credit cards! I dont use the other 8 though!!!!!!:eek:
Loans are coming down nicley. I use cc's for b day and christmas as all other money soes on living costs.(anyone else do this)?
Grocery budget slashed and wine cut right back! I bought clothes with my christmas money!
It annoyes me that i have to buy clothes for work i wish we had uniform!!!:mad:
Back on the bus! Cheers skint
BTD

Lokolo

BEAT_THE_DEBT wrote: »

Help guys!!!!!!!!!!!!!!!!!!!!!!!!!!! I have become lax again re mse!:eek:
Did some stupid things yest and today! Yest felt bad cause i am working half term and took ds to domino's! (on the plus side he ate it all!):o
Was really good this am took money from 20p jar for swich as its only £1.30 for a fresh swich in work!
Gave friend a bottle of cava and a card from my b day card box to save money! Then i drew £20 out of cashpoint in work (wish the stupid thing wasnt there:mad:) and had mash and veg and gravy for dinner as i was going to take ham salad swich home for tea but left it in work so stopped at chip shop:eek::eek::eek::eek::eek:. Will i ever change???????????????? Going shopping tom with mil as she was due to have ds and i am off so have to go with them! Will only be buying birthday cards for hubby and friend! (none in bday card box suitable).
I am such a flake my LBM I THOUGHT SHOOK ME TO CORE HELP!!!!!!!!!!!!!:money:

Why didn't think you 2 for Tuesdays!?

BOGOF.

You can then have 1 for dinner 1 night, and 1 for lunch or dinner the next day.

BEAT_THE_DEBT

Hi Lokolo, thats the trouble with me i dont think!!!x

REDMADCURLS

Beat the Deat - I have just read your diary from page 1 - while watching my fav Holby City, which I will now have to re-watch as your diary was actually much more interesting.

I am so impressed you managed to avoid DMP - not that there is anything wrong with doing one, but I would truely like to avoid it if poss. LOL have done great damage to my credit rating I would imagine, through missed payments.

A question, if you don't mind. You said you are paying minimum each month of all cards - I am one better than you with nine cards - am I right in thinking that the minimum payments come down each month - or do they stay the same for a while (sorry if I am being a dofus) and is your logic to then pay the difference to largest card. I am being hammered with hike in interest rates and of course am no longer able to get 0% or low interest.

Anyway have subscribed to your diary - you are a great inspiration and I would love to be able to get to the place of having some cash spare to buy Xmas gifts in advance.

RMC

BEAT_THE_DEBT

Thanks RMC i have left replies on your diary!x

mrs_robinson_3

How was today BTD - better?

Mrs R

savingmummy

Hi

Just been reading through and your so motivated! AND popular too!
Keep it up x

*Jellie*

Just dropping in to say hi!
Been too busy to post much this week!

In_my_dreams

Hi BTD - just popped by to say "what they said" too :rotfl::rotfl:

At least you recognised the slippage from the old debt wagon, you'd have to be a Saint not to slip so don't beat yourself up about it. Tomorrow's another day!