A Fool and Her Money- CAFCGIRL's Debt Diary

CAFCGirl

this should be the link

http://www.whatsthecost.com/snowball.aspx

bride2be2006

Oh thats pants - where do you work? I might pluck up courage to snowball later!

CAFCGirl

I work in retail.

7 days business unfortuately.
I quite like working saturdays but sundays kinda suck.

Plus I speny my weekends working making up hampers for people, so I love it

ZTD

CAFCGirl wrote:

I know when I first added it all up I didnt include certain things but I've just done it all and I'm actually in debt by £7399!!!!

Pants!
I havent actually made in-roads into clearing anything!

I hope you're not comparing your old "incomplete" debt with your knew "everything counted" debt...

CAFCGirl wrote:

What the hell have I been doing?
Just existing?
I know my payments to the CC's are made than the minimum but I'm obviously getting clobbered by the interest rates on this.
Had a look at my online credit card statement and the interest is basically £35, and my standing order is for £50, so technically I'm only paying £15 off that debt per month!

Well, have you tried phoning them up and asking for lower interest rates?

Getting rid of the PPI will help your cashflow don't forget that...

CAFCGirl wrote:

I'll also admit to using the CC2 last month for food etc, as again I still cant control myself..............

You can. Your emotional state is improving. With feeling in control you will be in control.

CAFCGirl wrote:

I am now

ROYALLY Pi$$&D OFF!

Don't get mad - get even.

I kind of want to cry, but I'm in too much of a panic to cry LOL![/QUOTE]

No reason to cry - lightbulb moment - take 2.

CAFCGirl wrote:

I've redone snowballing and exlcuding my loan which I cant overpay on, my DF date is now July 2008! Just as well I found all my APR's, otherwise I'd still be going through with my head in the clouds!

Don't forget - that's a maximum DFD date. Undoubtedly you'll find little bits and bobs to bring it forward even further.

CAFCGirl

AH HA!

I've been spending my whole afternoon and early evening reworking and calculating budgets etc etc.

Calculated DFD with BT to Morgan Stanley and without.
With some re-working and some serious budgetting, I think I can now aim for December 2007, excluding the loan as no overpayments allowed.

Even managed to work in quite a hefty allowance for myself of £125. But this is still fairly rough as I dont know exactly how much I'm getting at the end of this month. As it'll be 5 weeks owed plus Im not sure my tax code has been adjusted in time.

Almost need to just wait it out for next friday.

Amazingly I actually still feel in relative control of this situation.....

Haven't crumble, no lip trembling, I'm doing well!

EagerLearner

Hi C - not sure if this would help you - it's a meal planner and may cut down your weekly spend if you take 10 mins on a Sunday to think carefully about what you are going to buy for the week:

http://office.microsoft.com/en-gb/te...705571033.aspx

Has saved us £20-£30 a month since we started to do it and once it's in your routine, you will never again just wander to the supermarket with no idea what you're aiming to buy.

Batch cooking has helped too, not to mention cut down cooking time. You can make a batch of chicken curry for £6 that will make around 9 or 10 individual portions. Spag bol - £7 will make around 8 portions or more if you pad it out with lentils and grated carrot, mushrooms etc. Plus cooking de-stresses and keeps you ou of the shops on a saturday afternoon - that productive 'I made this' feeling stays with you, too!

Hope it helps

x

ZTD

CAFCGirl wrote:

Amazingly I actually still feel in relative control of this situation.....

You are in control of this situation. You have a problem, a solution, and a plan. Now you just need to implement it.

CAFCGirl wrote:

Haven't crumble, no lip trembling, I'm doing well!

Indeed you are - all part of the new you.

moozie_2

CAFCGirl wrote:

Amazingly I actually still feel in relative control of this situation.....

Haven't crumble, no lip trembling, I'm doing well!

:beer: :T :beer: :T :beer: :T

I'll have a drink to that! Well done CAFC, you are making great changes and it shows!

CAFCGirl

awwww thanks Moozie! Have a couple on me, go on treat yourself!

Had a good weekend all round, work is going really well, and had a super day today so I'm super happy. Even got to flirt with a customer....

Eager- Tried the link but wasnt working, might be my techno-phobia though!

Had a play about with some meal ideas and did a mock shop on asda and teco website to see how much it would cost. I think I can do a very good shop for £20 a week working to a plan, which will actually work out at £10, since my new flatmate is all for the meal planning etc etc, and is super loving the budgetting for the flat/house in general.
She wears jumpers too so overall costs in bills should go down!


Buzz word for the week
Implement Implement Implement!

I'm actually looking forward to this

ZTD

CAFCGirl wrote:

Eager- Tried the link but wasnt working, might be my techno-phobia though!

Nope - it doesn't work for me either... Try this...

CAFCGirl wrote:

Buzz word for the week
Implement Implement Implement!

I'm actually looking forward to this

Which is the other side of it: Attitude, attitude, attitude!