Mrs A's Debt Diary

Floss

I think paying for results is pants! My DS's both did well in their GCSE's & DS1 got A & 2 B's for his A level's (DS2's are out tomorrow), but I have never rewarded results with cash or gifts. They each got a hug & a meal of their choice cooked by me, and it seemed to satisfy them!

Don't feel jealous - they may well be in the mire in the future, when you & yours are all back on your feet & debt free

Mrs_A.

thanks folks thats exactly what i needed to hear.

well i weighed in this morning and i have lost 4lbs which is fantastic.
going back to work today which is not fantastic, still fretting about that upcomming appointment with the psychiatrist next wednesday wish it was over and done with.
aw well back to healthy eating, exercise and thinking of ways to save more cash.
note to self: DO NOT GO TO SHOPS FOR A BROWSE
last twice i did this i spent money on myself so no more
hope everyone has a great and cheap day
regards
mrs a

sexymouse

RE the psychiatrist, don't fret too much about it. They will be on your side - they are there to help you. I had to see a psychiatrist for my depression every week for about 6 months. I can honestly say that it is one of the best things that I could have done. He brought back my confidence, and made me realise that I am a strong person, and that I could have a happier future. I've since gone on to study a psychology degree, which gave me an even greater insight into depression as an illness, and so I was able to give my mum a lot of support when she was depressed recently. Congratulations on your weight loss. It sounds to me like you are well on the way to beating this bout of depression, as this will surely boost your confidence in your ability to achieve positive things. I used to do a lot of walking when I was depressed, and that also helped me.

Mrs_A.

hello peeps,
well today i am on my day off from work and i have had a very productive day today as well as making 2 loafs of home made bread i have achieved numbers 1,2,5,6,7,9,11 and 12 from my list and very pleased with myself i am too.
i am off tomorrow as well and its my evil daughter in laws 21st birthday party tomorrow night, she is getting a recycled gift that i got for my graduation party last year, mean i know but she is a really ungreatful young woman.
well to keep up with number 12 i had better go for now
regards to all
mrs a

Hello

Hello

I am glad you kept up with your thread, you have been an inspiration.

As for the ipod thing and minimum balance, well, what a load of tosh. :mad: When they are at desperate door with debts sky high and unable to pay the minimum amount then they will be asking your advice, because you saw the light soonest.:A

Love lasts through life till the end, presents don't. Well done you.

Keep it going

Hello

Mrs_A.

morning peeps,
just a quick update as i am going to work later,
just transferred another £200 into savings from other halfs overtime
yeehaa
regards
mrs a

Mrs_A.

hi folks after having fallen off the wagon again im back
here is the latest
incoming
mrs A pay 1200
Mr a's pay 860.00
child benefit and tax credits £161.70
board money from son 60.00
going out
credit card 0% till march 1467.99
overdraft 0% temporary £1500.00
bank loan 385.76
car payment 148.13
oil for heating and hot water 75.00
electricity 58.00
phone bill 25.00
mobiles 20.00
pension 27.67
life insurance 6.45
aol 17.48
union fees 11.28
sky 18.00
ing savings 50.00 (to pay for next crimbo)
car insurance 26.91
tv license 11.37
road tax 12.00
clothes 50.00
food cleaning pets 400.00
alcohol 100.00
smokes 100.00
petrol 240.00

anyone good at sums???
regards
mrs a

CAFCGirl

£1783.05 not including cc repayments as I dont know what ur minimum payment obligations are to that!

£2281.70 Coming in

So that leaves £498 somewhere if I've added that all up right.

At a glance at the SOA I would say
Alcohol and Smokes are good ones to cut down on or give up completely! Lifes not all bad tee-total! Trust me I know
£400 on food etc could be cut down. How many pets by the way?

Electric, is that per month? Seems high to me £58. Switch providers? Or just switch things off?
AOL when does your contract expire? You can get broadband for about £10 a month
Savings? How much do you have in savings at the moment? I can understand wanting some aside for emergencies etc but poss for now cut this down to £25, and overpay on the cc/overdraft till one os clear, and then add more to savings? How much do you envisage you'll need for xmas 07?
As with Sky? Can you either do without? (No I cant either!) or can you call and attempt the cancellation unless they can make it cheaper type convo?

Does it seem like you've got nearly £500 floating before paying the credit card etc, or maybe Ive missed something?

Mrs_A.

CAFCGirl wrote:

£1783.05 not including cc repayments as I dont know what ur minimum payment obligations are to that!

£2281.70 Coming in

So that leaves £498 somewhere if I've added that all up right.

At a glance at the SOA I would say
Alcohol and Smokes are good ones to cut down on or give up completely! Lifes not all bad tee-total! Trust me I know i am tee total but oh isnt
£400 on food etc could be cut down. just started the jan grocery challengeHow many pets by the way?one elderly fussy moggie

Electric, is that per month? Seems high to me £58. Switch providers? Or just switch things off?totally agree there going to look into switching nest week
AOL when does your contract expire? You can get broadband for about £10 a month not had it that long to be honest only about 3 months or so
Savings? How much do you have in savings at the moment? none spent it all on crimboI can understand wanting some aside for emergencies etc but poss for now cut this down to £25, and overpay on the cc/overdraft till one os clear, and then add more to savings? How much do you envisage you'll need for xmas 07?cut it down to £800 this year so maybe the same for crimbo 07 we have another little darling grandchild on the way too
As with Sky? Can you either do without? (No I cant either!) or can you call and attempt the cancellation unless they can make it cheaper type convo?wouldnt dare i tried this before total unrest from the troops over this one

Does it seem like you've got nearly £500 floating before paying the credit card etc, or maybe Ive missed something?

brilliant then it looks like i can chuck a fair bit at the credit card then yahoo im feeling better already
many thanks

Mrs_A.

blimey i have just reread this thread,
better fill all you folks in on the big blank area
since my last post back in august i have been off work with my depression, i have been attending the day hospital weekly for some therapy but i still cant see light at the end of this dark tunnel.
i have been spending like mad and put my debt total up by 2 grand but then i have on top of that paid off £5K so all is not lost.
as well as the spending i have been eating like mad too and have put on another one and a half stones.
so folks i have a lot of hard work ahead of me and will need lots of help from all you guys n gals on this forum.
wishing you all a very happy and debt busting new year when i comes
regards
mrs a