Mrs A's Debt Diary

pink_fairy_7

Hi Mrs A,
Welcome back. I had been wondering where you were. Although I know nothing about depression, I do know what it's like to have a demanding job and three kids:eek: and the last two can be hard enough as it is. I'm sorry that you've had a rough time.
Today's a great day to start afresh with the old debt and diet. Set yourself some mini goals for January and February and go from there.
Good luck x

beverleyhills

:hello: Hello Mrs A

I'm so pleased that you feel well enough to update your diary. Hope that you're able to keep posting and that we can help you get nearer the light at the end of the tunnel.

All the best to you and yours in 2007.

moozie_2

Welcome back

Keep posting and talking - we are here for you!

Happy new year and hope it's a vast improvement on the last one! :beer:

Mrs_A.

hi folks and a great big HAPPY NEW YEAR to everyone,
i have had a hectic few days but they have been free or very cheap so i have had a lot of fun.
ok 2007 is here and i have rolled up my sleeves ready to bust this debt. the snowball says september 08,,,, but im going to try and make it an awful lot quicker than that hopefully by this time next year i want it all cleared.
so far in my quest i have started my spending diary,
frozen some meals etc
been shopping with my list and stuck to it
bought a few xmas pressies in the sales to hide away until december
joined quidco
started the january shopping challenge (oops need to update my sig)
just now im off to set up a spreadsheet to list all outgoing expenses.
hope everyone else is well
regards
mrs a

bobbie78

well done Mrs a keep up all the good work. Looks like you're back on track again.

CAFCGirl

Hi Mrs A,

Hope you had fun with those spreadsheet, mine (albeit a very simple one) is prooving invaluable.
Remember to use the snowball calculator regularly. My spreadsheet currently had each debt and how much each month I need to pay in order to match up with the snowball. Plus sometimes its just real fun to play around with snowball and dream of "what could be"!

You seem a much brighter person now the new year has come and gone, and I wish you all the very best for all your challanges, like the grocery challenge etc.
Have you joined Moozie's weekly challenge or the olympic challenge yet?

Mrs_A.

hi folks another productive day in debt busting land,
sticking with the spending diary, and updating the spreadsheets,
not looked into Moozies weekly challenge yet, did have a look at the ollympic one though, think i might just go for the bronze on that one.
ordered some books from play.com through quidco for one of my sons crimbo pressies for next year.
im glad that all i am spending this week is either reduced or in the sales for next crimbo, i am feeling much happier again now.
have an appointment with the gp on friday so we will see what she says regarding my getting back to work again.
i feel i have to go back as im not going to keep getting full pay for much longer (i expect to go to half pay with this months wages and that would really kill the debt busting for me)
well i hope everyone has a cheap day
regards
mrs a

Mrs_A.

this is for my benefit rather than for anyone else its my list of jobs to do that are debt busting related
1) gather past bank statements and highlight charges
2) research 0% cards for a balance transfer
3) research changing electricity supplier
4) research changing home phone supplier
5) go to bank for bank bags
6) find credit card bill as i filed it somewhere safe prior to crimbo
7) pay credit card bill PRIORITY
8) look into registering my credit card online so i can make extra payments
9) bag up and take to bank my money jar as it has approx £150 in it to use to make extra payment to credit card or O/D
10) keep up with spending diary
right then folks im off in search of credit card bill from my "safe place".
regards
mrs a

Mrs_A.

ok today i have been somewhat busy as i had some of the family in visiting so restricted what i was able to achieve but i have managed some things off my list
1) gather past bank statements and highlight charges
2) research 0% cards for a balance transfer
3) research changing electricity supplier
4) research changing home phone supplier
5) go to bank for bank bags DONE
6) find credit card bill as i filed it somewhere safe prior to crimbo DONE
7) pay credit card bill PRIORITY DONE
8) look into registering my credit card online so i can make extra payments DONE
9) bag up and take to bank my money jar as it has approx £150 in it to use to make extra payment to credit card or O/D DONE HAD £144 SO £72 OFF CC AND £72 PAID TO OD
10) keep up with spending diary YES A NO SPENDER FOR ME
right then folks im off in search of credit card bill from my "safe place".
regards
mrs a[/QUOTE]


and i managed to earn a sneaky £10 from giving someone a manicure.
not a bad day so far, but now that the familys gone i might get more done from my list.
regards
mrs a

lynzpower

well done you :j

Looks like you are really back on board :j