Babes Diary

postingalwaysposting

Sounds fab babes :T Have you arranged to purchase a different tv or are you buying elsewhere. Either way a drop of £200 is great :T

babes21

postingalwaysposting wrote: »

Sounds fab babes :T Have you arranged to purchase a different tv or are you buying elsewhere. Either way a drop of £200 is great :T

I've had my mums which is still almost new, bought just a few months back. It's a flat screen, silver one, really nice. She used to have it in the kitchen but couldn't get a good signal there, but it works perfectly in my room :T. Will give her some money towards a new one, say £40 or so, which is a bargain.

postingalwaysposting

Wow Babes, £40 is much better than £200. Plus you can always save for a new one if you want one on the future. It saves it then being sat on your Very account. How are you doing with daily spending?

euronorris

Hey there!

Just wanted to say grats on getting things under control now. Much better to do it sooner rather than later, believe me!

Just wondered if you had looked at ways of cutting back on your clothes spend each month? 150 is quite high. I know you are benefitting from living with the folks and therefore cheap rent, but this is a great time for you to start saving for a deposit on a place of your own I wish I had done so instead of racking up even more debt!

You could try the charity shops for bargains, or invite similar sized friends to swap clothes etc. That way, you'd each get a fresh wardrobe for free!

And just think, if you cut clothes shopping down to 50pm, you can save an additional 100 pm and then, when your debt is cleared, you could save even more! Before you know it, you'll have a nice tidy little fund to get you started

babes21

postingalwaysposting wrote: »

Wow Babes, £40 is much better than £200. Plus you can always save for a new one if you want one on the future. It saves it then being sat on your Very account. How are you doing with daily spending?

My mum only bought it around two months ago so it's as new and an up-to-date one, so shouldn't need one for a while. My daily spending is okay, i'm not scrimping as such, still enjoying my little treats etc, i'm just not letting it get too out of hand. How are you doing hun?

euronorris wrote: »

Hey there!

Just wanted to say grats on getting things under control now. Much better to do it sooner rather than later, believe me!

Just wondered if you had looked at ways of cutting back on your clothes spend each month? 150 is quite high. I know you are benefitting from living with the folks and therefore cheap rent, but this is a great time for you to start saving for a deposit on a place of your own I wish I had done so instead of racking up even more debt!

You could try the charity shops for bargains, or invite similar sized friends to swap clothes etc. That way, you'd each get a fresh wardrobe for free!

And just think, if you cut clothes shopping down to 50pm, you can save an additional 100 pm and then, when your debt is cleared, you could save even more! Before you know it, you'll have a nice tidy little fund to get you started

Hello euro, thanks for your comment. I understand what you mean, but i enjoy buying clothes and i have cut down dramatically. £150 was just an approximate figure, it isn't like that every month, sometimes it can just be £50, it varies.

Hopefully i can clear the debt at the end of December's payday then concentrate more on the savings.

babes21

Hello everyone just thought i'd do a little update, so my debt as now stands as:

Capital One: £190.12
Topshop Store Card: £133.74
Very Account: £468.37

Total = £792.23

So since i've started my diary in the last week or so my debt as reduced by almost £300 :T. I shall be making more payments tomorrow so hopefully will get it under the £700 mark.

dallas85

wow! well done babes - £300 in a week is fabulous! Congratulations.

babes21

Thank you Dallas, read your diary a few days back and seems as if you're having a good week too :j.

babes21

Hello everyone, hope everyone is having a nice weekend. Went shopping with my friend yesterday and spent around £100. I bought a new dress, which i'll get lots of wear out of and can wear to my Christmas Party and a Bear factory Bear/Clothes for my Nephews Christmas gift.

I paid a little more off my debt to, which is now as follows:

Debts

Mastercard: £190.12 (i haven't used this for absolutely ages, really need to concentrate on clearing this one first as it as the most apr): Now £150.00
TS Store Card: £133.74 (i pay £50 per month, will try to clear it in two payments for each month): Now £100.00
Very Account: £670: Now: £492.81

Total Debts: £993.86

New Total Debt Balance: £742.81

postingalwaysposting

babes21 wrote: »

New Total Debt Balance: £718.86

Truely amazing :j Well done Babes...