Mrs A's Debt Diary

beverleyhills

Will Occupational Health Dept refer you for physio treatment?

Mrs_A.

mmm dunno, i have some vouchers for the local beauty therapy shop so im thinking of booking a massage for my back, never had one before.
regards
mrs a

Floss

Dont plan to drive home or do anything much afterwards - you'll probably be quite sleepy!

Hope it works...:)

LJD1_2

Mrs_A. wrote:

mmm dunno, i have some vouchers for the local beauty therapy shop so im thinking of booking a massage for my back, never had one before.
regards
mrs a

Hiya
Just a note of caution...make sure that whoever massages you is fully qualified so they know what they can and can't do. Also, let them know exactly what you've done and how it's hurting etc so they're fully aware and much more careful. Hope it helps.

LJD1_2

Oh, and....PS Hope you're feeling much much much better soon. Back pain is so bl***y awful. Big hugs to you xx

Mrs_A.

hi folks
i have a confession to make and its a bad one here goes
yesterday i went window shopping and i bought myself
handbag 3.50
purse 3.00
belt 1.00
false nails 1.50
hair dye 3.99
2 bras 6.00
17.99 spend all on me now thats a shocker for someone who is meant to be putting everything towards debts
i have no excuse other than i needed new bras and its 40.00 to get my hair done at the hair dresser. ok i dont really need the handbag, purse or belt but they were all half price or less, and i havent had new nails for ages and they were cheap too.
will i just bend over now so you can all kick my !!!.
sorry
mrs a

Mrs_A.

ok here is my latest money matters round up

suite 988.00 got the money now to pay this due to selling, extra shifts, small savings, banking loose change £2 coins etc and getting bank charges refund.
paid another months bank loan 385.79
paid another months car finance 148.33
got some cas left in my savings account to start my next mission of saving up to pay off car finance.
thats my debt amount lowered again soon to be under 10 thousand.
now im feeling great and slightly justified in spending nearly £20 on me
regards
mrs a

chloe99_2

HIya Mrs A - have just read your facinating diary - is this idea any good for you? Instead of leaving the suite money earning (very little) interest and just helping out the bank - how about you work out the max you can REASONABLY save by the time the suite needs paying, then see what apr your bank and car loans are at and see if you can replace one or the other of them with a much better rate , but take out a loan for the amount of your existing loan LESS the amount you've saved for the suite that you think you could resave by the time it's got to bepaid (if you see what I mean????!!!!) - so you will save the horrendous apr that you would have paid on your loan instead of gaining the bank savings interest that you're getting on your savings right now?

also, i'm a complete dunce with these things and would never dare to do it myself - but isn't there something on the tarting boards (WARNING - VERY ORGANISED PERSON WITH STRONG WILLPOWER REQUIRED!!) where you have a certain type of credit card (there are only a couple available and I can't remember what they're called or exactly how this thing works - SOMEONE HELP PLEASE) which you don't buy anything on but transfer it to another type of card (or something) and basically the end result is you get the cash off the interest free credit card with no or minimal charges and use it to pay off your high apr debts - have to be real organised to make sure you transfer the debt before the interest free period is over. sorry to waffle - i read about it but haven't got the nerve so I don't know exactly how it works.

regards

chloe xx

Mrs_A.

hiya chloe
yeah that would be an excellent theory but i dont have the organisation skills or more importantly the will power to do it, im just not disciplined enough for it. thanks anyway.
well folks another sunday has come round again im feeling pretty good to be honest, must be cos i have been off work with my back which is better now and that ihave had such a goos week money saving/debt paying.
nothing much to report so here are my personal goals for this comming week
this week
1 stick to weight watchers diet
2 do some exercise
3 have 2 no spend days
4 menu plan
5 try for a bit overtime at work
6 wash the car
7 hoover the car
8 letter to bank's solicitor to ask for £3100 of charges back of my other account.
9 try and do some housework every day
10 go for a cycle on my bike at least 3 times this week
11 get my youngest ds orgainised to go back to school he needs shoes etc.
12 spend less time on mse than i usually do
13 finish knitting my jacket that i have been working on for at least 6 weeks

see ya all later
mrs a

Mrs_A.

hi 1, 2, 8, 9
managed so far
mrs a