I Need A Major Kick Up The A$$!

southernscouser

This is basically an entry from my debt diary but I wanted to make it more public here so I can shame myself back on to the straight and narrow! :doh:

Feel free to shout and scream at me and flog me where appropriate!



Been doing some sums and May really was a bad month for me! I was overdrawn by £439.17 when I got paid!

This month when all direct debits are out I will be £223.83 overdrawn but this does include £120 for claiming my bank charges back through moneyclaim so without that it would be £103.83 OD!

I've also got petrol to come out of that which will probably be £40 and thats also providing I don't spend anything either which isn't gonna happen so I'm targetting being overdrawn by £200. :doh:

I can't have a repeat of last month coz I feel I've really let myself down. It's such a good feeling having money left the before I get paid (only a few quid mind) so I'm determined to get back to that stage again.

Got some bits up on ebay and should they sell that will be £80 minus fees. :T

Anyone got any tips to refocus my efforts? I'm desperate to get back on top so hopefully that will be enough!

lynzpower

Draw out the cash you will need for BARE ESSENTIALS and then cut your switch card up is my advice. Ive been considering doing the same thing myself, as Im gearing up to buy fans, a new fridge, and the other day I was again perusing flights before having a sharp intake of breath. I hovered with the scissors for a moment I must admit. If you NEED your card, it could be with you in a few days if you find you cant cope.

Might be an idea?

gallygirl

I seem to remember you spent a lot on fishing gear last month - I think you're getting 'needs' mixed up with 'wants'. How about keeping another spending diary with a page for each - BEFORE you spend something enter it into the appropriate column - maybe this will make you think twice???/


Hopefully is just temp blimp, keep up the good work ali x

homersimpson_3

May really was a bad month for me! ....Debt at lightbulb moment (September 2005) - £34,268.00. Debt now (June 2006) - £28,362.38

May may have been a really bad month but the efforts made so far have resulted in great inroads into debt- nearly 6k in about 9 months.

This is basically an entry from my debt diary but I wanted to make it more public here so I can shame myself back on to the straight and narrow!
Feel free to shout and scream at me and flog me where appropriate!

If you're looking for a rebuke you're not going to get one- the above figures (i.e. how much your debt has reduced through your own efforts) should be inspirational enough.

Anyone got any tips to refocus my efforts? I'm desperate to get back on top so hopefully that will be enough!

why the question- you have already began to refocus e.g. moving some of debt to 0% until sept 2006; not spending money to watch England play etc.
the only thing I don't understand is why £150 per month 'treat money' - you don't need all of this.

savvy

I Need A Major Kick Up The A$$!



OOOOOOOOOOOOOOOOOOOOOOOO can I give it to you???? :j:j:j:j:j:j:j:j:j:p:p:p:p:p:p:p

LookingAhead

Tip to refocus efforts? I agree with homer. Your figures from sept 05 to now.....

Print them out and stick 'em on the fridge.

Alongside something to do with the World Cup because you need to be at that semi final!!!!

earwig

AND YOU ARE THINKING OF GOING TO THE WORLD CUP
we all mess up somtimes but limit it take out what you think you need for the rest of the month and start again next payday and learn where you went wrong this time so it dont happen again you have been doing so well so dont undo all your hard work now buy spending money on things you dont need

AussieLass

Can you pinpoint where you spent the money? Was it a unexpected bill or impulse purchases? Once you identify that you will know how to rectify the problem and get back on the straight and narrow.

Kick, Kick, Kick, does that feel better. Don't be too hard on yourself, putting your head in the sand is worse. At least your not doing that. Keep chipping away, you'll get there in the end. :T

southernscouser

savvy wrote:

I Need A Major Kick Up The A$$!



OOOOOOOOOOOOOOOOOOOOOOOO can I give it to you???? :j:j:j:j:j:j:j:j:j:p:p:p:p:p:p:p

Yeah alright! But only if you wear the high heels! :eek: :rotfl:

southernscouser

I know exactly where the money went. Problem was I knew I was due overtime in this months wages so I spent it recklessly before hand!

It won't be happening again! I promise!

wannabedebtfreebeth

But if you look at overdraft end of May and target at end of June that is a big improvement - I'd focus on that instead of beating yourself up cause that'll only make you want comfort of some sort and that always means more spending! :T