Debtbegone's Debtbusting Diary

debtbegone

I've blown my lunch (and 100 day) challenge.

Went and bought lunch, I just couldn't face another cup-a-soup this week. Cost me £3.90!! :eek:

What's not good is I don't feel bad about it so I'm a tad worried. But there's no way on earth I can go back to buying lunch every day, the bottom line is I just can't afford it.

debtbegone

And spent another £1.40 on juice and a chocolate

And it's going to get way more difficult to redeem on bp now, doh! ebay buyer is being a complete nightmare, threatening me saying I haven't replied to their messages when I repiled to them all :mad: all they have to do is send it back for a refund (even thought I KNOW the item was perfect :mad:)

Getting fed up with ebay but I've nowhere else to make my extra cash, the little that I can

Sorry for all my moaning, my "diary" must not be a great thing to read (if anyone is :rotfl:) I feel so trapped in by lots of things, then loads of cr*p seems to come along at once making it all worse.

Anyhoo, going to try and do another dooyoo tonight, get a couple more items ready for ebay this weekend, one will be bin so the free listing doesn't matter much. And then get crafting some xmas pressies!

Lemon_Tree

hey dont worry, you're being read. Sorry to hear about your ebay person, that's why i stopped doing ebay, had one horrible customer and the rules just got more and more unequal so i gave up.

ZarZar1990

Don't feel bad DBG, I've been blipping too!
We need to kick eachother back into it :P

debtbegone

Thanks Lemon & Zar - I think this cold and other stuff is just getting me down, need to keep my head up

The german ebayer turned into a complete nightmare, they've come across as someone who's possibly unstable!

Firstly they ignored my reply messages to their enquiries, then sent a photo where you couldn't even make out what was in the photo, let alone any flaw :rolleyes:

The item was perfect when sent, they say it had a rip. I said well send it back and you'll get a refund plus return p&p (WAY more than I had to do!) But they wouldn't return it unless I refunded them first PLUS the cost of recorded postage!!!

Seriously, you wouldn't walk into a shop and demand a refund for an item you'll take back next week :rotfl:

You just have to look at my feedback to see I'm not a nutter, and even with their now (slightly mental) negative (which I'm wearing with pride tbh) I've still got 99.3% plus 4.9 on item as described and communication and 4.8 on p&p and dispatch time. Crazy!

Anyhoo, mini rant over.

Not managed to get out of the overdraft, got just over £100 to go :rolleyes: but I'm still working on it, spending less and trying to earn more.

Speaking of which, back to work!

debtbegone

didn't get to post here yesterday, I had a major meltdown

Over the past month I've had to put various expenses on the cc as I just didn't have the cash for them and they were needed, not unneccesary. This has bumped up what I actually owe on the cc's so even with all my budgetting, cutting back and trying to do good I'm in a worse position than when I really started focusing _pale_

And it actually just dawned on the boyfriend last night how much I owe, his reaction wasn't good. Not angry but he was shocked, even though I tell him everything and all the time it really just doesn't sink in with him sometimes.

As I'm doing well with the cutting back on little & unneccesary spends I really need to focus on upping my income, if I can manage to hit the targets needed then things will be fine and dandy, if not I don't know what's going to happen.

Anyway, enough of my depressing rambling! Mash & Gravy for lunch again :rotfl:LOVE winter food, though it's not good for my waistline lol

Hope everyone is well

bLaZiNgDucK

Hi DebtbeGone

Just been reading through. Ye OH's can be quite rubbish sometimes, and they don't mean to be. You are going great guns and every now and again you need to have a nice lunch and a spend just to keep your spirits up and I'm not surprise you don't feel bad as after all we all need a treat now and again whether it be food or a handbag or just a hair cut. I too have officially noooo money and we are entering the worst month of the year (for spending and wanting to just live) and do not be tooo down. make it through to January and all will seem brighter, the weather will eventually change and the nights will draw out and before you know it the summer will be here you will be in a better place than you are now and if you keep this up you'll be (on a diet <winter food>) I mean you'll at least have your OD paid off and you can consentrate on the CC.

Keep up all the hard work

Duckie

Ed: Sometimes you have to take a step back to take a step forward

Jebble

Hi

I LOVE your diary! cant wait to take more inspiration from your money saving tips x

debtbegone

bLaZiNgDucK wrote: »

Hi DebtbeGone

Just been reading through. Ye OH's can be quite rubbish sometimes, and they don't mean to be. You are going great guns and every now and again you need to have a nice lunch and a spend just to keep your spirits up and I'm not surprise you don't feel bad as after all we all need a treat now and again whether it be food or a handbag or just a hair cut. I too have officially noooo money and we are entering the worst month of the year (for spending and wanting to just live) and do not be tooo down. make it through to January and all will seem brighter, the weather will eventually change and the nights will draw out and before you know it the summer will be here you will be in a better place than you are now and if you keep this up you'll be (on a diet <winter food>) I mean you'll at least have your OD paid off and you can consentrate on the CC.

Keep up all the hard work

Duckie

Ed: Sometimes you have to take a step back to take a step forward

Thank you I think I just needed that and to refocus. I've had a c*ap couple of weeks and things have a habit of getting on top of me, especially when I'm feeling a bit down

I'm going to simplify my signature too I think, that way if I need a few days away from the forums I don't panic when I can't remember stuff to update it!

I've done a realistic snowball, one where I'm not depriving myself and feeling like I'm getting nowhere at all, and as it stands my dfd is May 2012 :eek:

So back to focusing on getting shot of the Overdraft - I'm still hovering around he £80/£100 short.

Aim for the overdraft is to be out of it by the end of January - ok I'm going to end up with around £60 of charges doing it that way but it's realistic and won't send me into meltdown

Have to up my income as much as possible which means working my butt off - here goes!

debtbegone

Jebble wrote: »

Hi

I LOVE your diary! cant wait to take more inspiration from your money saving tips x

Jebble, you should look into doing the £10 a day challenge: http://forums.moneysavingexpert.com/showthread.html?t=2110461.

I've been dipping in and out of it for the last year and a half and it really focuses you to get those things done that you normally can't be bothered with.

And I've just re-joined the No Spend Day (NSD) challenge too:http://forums.moneysavingexpert.com/showthread.html?t=2106413

It makes you really think about that choc bar/magazine and all the unneccesary things