FAB'S New Diary

found_a_bargin

Was good and made some soup out of the Chicken remainder from lunch and some odds and ends out of the cupboard,

So thats tomorrows lunch and possibly tuesdays sorted and saves me wasting money in the cafe.

found_a_bargin

Evening all,

Just sat down and worked my debts out and im really angry that i have put my head in the sand as they could of been paid a long time ago...

The amount is small but i know if i dont keep to this diary and paying it off now it will grow and grow.


Jd Williams Catalogue £572

Old Gas Bill £390

Studio Account £300

Old water Bill £350

BT £410

Old Electric Bill £744

Old phone Bill £106

Payday Loan £ 200

Total £3187

All current utilities are up to date since moving in to new flat, im hoping that the old water bill can be combined with current payments to clear it monthly with one payment rather than several.

I should after all normal bills have £76 from my main wages to throw at the above debt and that doesnt include the payday loan which i added to my other outgoings.

I have also got the part time evening money that can be thrown at it to so i hope that i can get this debt gone in 6-8 months.


Please feel free to chip in and keep me on track....

found_a_bargin

Hi all,

(lurkes back in with head in shame)

Have not posted in ages as tried to bury head in sand as had crap time recently but enough of the excuses im back with a vengence and i kneed all of your help.

My aim is to have as much of the debts paid up before october so that i have nothing to worry about at christmas.

On top of paying debts off i need to find some money to have the brake pads of car replaced and a service.

And i would like decorate my flat as i think it would cheer me up rather then magnolia walls..

The last two are to be funded entirly out of spare money after all other things have been accounted for,

I get paid from my second job in a fortnight which should be around £250 but i owe mum £50 and work £130 so will be left with £70 till the main payday at the end of the month, the freezer is full so will just need some petrol and basics like milk and bread..

I need to get myself sorted once and for all as i need to start to save for emergencys so i dont have to borrow from parents or work and need money to save for a deposit so hopefully in 2-3 years i can try to buy a place of my own.

Please help

FAB

found_a_bargin

Update..

I have £20.18 till last me till payday on the 21st.. I will keep daily tabs on what i spend..

I am owed £45 and that should be paid back in dribs and drabs over the next couple of weeks as and when that comes back it will go on bills and petrol in emergency! but no wasting..

MissShoes

found_a_bargin wrote: »

Update..

I have £20.18 till last me till payday on the 21st.. I will keep daily tabs on what i spend..

I am owed £45 and that should be paid back in dribs and drabs over the next couple of weeks as and when that comes back it will go on bills and petrol in emergency! but no wasting..

Hey FAB,

have just read through your diary. Well done for coming back to refocus on your DF journey! I have also lost focus recently so trying much harder now. That being said, I now have around £15 to last me til payday (25th) plus a friend owes me £20. Will be a tight 15 days!

Good luck!

Shoes x

found_a_bargin

MissShoes wrote: »

Hey FAB,

have just read through your diary. Well done for coming back to refocus on your DF journey! I have also lost focus recently so trying much harder now. That being said, I now have around £15 to last me til payday (25th) plus a friend owes me £20. Will be a tight 15 days!

Good luck!

Shoes x

Its going to be a tight couple of weeks but im up for the challenge and will be really pleased if i suceed.. most of the time im only spending money on cr*p which i dont need lol

found_a_bargin

Well i have been number crunching and have worked out that apart from this month as i have rung up a large mobile bill long story of poss relationship but turned out waste of time lol.

So from Feb on i will have a extra £110 over from my wages to go towards the debt that doesnt cover any overtime i get in my second job. and from April i that will go up to £200 once the council tax arrears are paid off so that will really help.

The payday loan is currently at £230 and this split over 3 months prob means £50 in intrest so am hoping to clear sooner then thats the first one on my hitlist...

Fab

found_a_bargin

Evening all,

Well today has had good and bad point...lol

Got repayed £30 from a friend and that took my total to £50 to last till payday.

I had to put £2 in a work collection and £3 on new plimsols for school and got some bits in asda for £19 (needed to get a tea so had curry and got some 1/2 price nibble things and stocked up on them while they were 50p a packet)

Bad i know but at least i have £26 left and all that is needed now is petrol at the weekend...

Will aim for a NSD tmrw.

found_a_bargin

Yo,

Hows it been going?

Its been quite hectic here in one way or the other, loads of work omn and loads of bits to do at home so have kept the spends down low,

I have £3.00 left till payday on Thursday which isnt to bad as put £15 in the car today which will last til then and in the post today i got my staff discount car so i now get 10% off all shopping at work which helps.

Sorted the TV licence problem out and they are sending me a payment card as can pay it when at work and its one DD less on the list.

Need to save some pennys now as when in the hardwear shop yesterday i spotted a colour chart and have picked the 2 colours of paint that i would like to do my lounge in.

And bagged some Overtime in my evening job one extra in Feb and another in March, bit of time yet but its extra money in the pot.

FAB

found_a_bargin

Evening all,

Been quite a positive day today. Had A NSD which is the 3rd in the last 7 days so well chuffed there.

Only 2 days till payday number 1 and the car has enough petrol and there is loads of food in the cupboards, so the money can an will go on bills for a change

Aiming for a Lsd tomorrow and going to take my lunch to my evening job so im not tempted to buy anything.

Hope everyone is well..

FAB