no wiser than the fool i was before-lyns' debt diary!

Mrs_Sparkle

Am admiring the new avator! Your dad's comment made me smile- he's obviously feeling left out.

Just a boring note (feel free to ignore if you already know)- the company should get at least 3 estimates for you to decide on.

If I was nearer I'd pour you a nice big glass of wine

MinnieSpender

lynsayjane wrote:

have to say that one's not so funny. did i miss the point?

ASBO = anti-social behaviour order. They're big round these parts. Perhaps you don't have them in Scotland.

Just thought it might give the bank something to think about...

lynsayjane

MinnieSpender wrote:

ASBO = anti-social behaviour order. They're big round these parts. Perhaps you don't have them in Scotland.

Just thought it might give the bank something to think about...

thats what i thought it was, we do have them up here (i think) but i don't think they are as 'popular' as they are darn sarf! (sorry crap attempt at some form of english accent via the net, apologies to all offended:rotfl: )


mrs s, we got three estimates

lynsayjane

right i''m tired of feeling poo. that didn't last long did it. plan of action is to put on silly high heels (check) put on cheesy music (enrique englesias, sorry pees i am honestly much cooler than that normally!) (check) and tidy house (check). dye and cut hair, polish nails and generally sprouce (sp?) myself up!

am trying vodka with apple juice at the mo (all i've got in!?!), shall have to pick summit more fun up for tomo!

edited to remove insanely stupid bits...normal service will resume tomorrow-ish!

lynsayjane

right well as promised i'm making a renewed effort to sort myself out...again!

just applied for a smart car credit card and got approved with a credit limit of £3k, i only need half that to clear my cc which the 0% runs out on in jan, so bonus, the bad bit is i can't transfer my bos cc to it when it runs out in march cause it's the same company...oh well still stuck with two, but now i'll concentrate my efforts on clearing the bos one, it's only at £900 so i can hopefully make a dent in it, in fact if i get my bank charges i'll use it on that and near enough clear it! good plan batman :rotfl:

i need to sort out my mortgage next, my uncle suggested a capped rate with northern rock (he's rather money savvy my uncle) cause thats who he just changed to. shall check out their site this evening.

got my meal plan sorted for this week and will get my shopping this afternoon or tomorrow. and xmas shopping is almost finished, just got to get another couple of wee bits for my mum and sis, and need to find summit for my dad, so i'm guessing another £40 or so should sort me out!

feels like a little weight has lifted, now to sort out the rest!

lynsayjane

folks i need help.

am drunk again (not the problem i might add) but it's making me melencholy. i feel like i'm doing so bad with my debts. as usual a hobby takes me over for a few months then i lose it, right now i'm getting back to the way i was before. i feel i did so well for a time, but now i don't really care anymore. i have already spent my entertainment money for this month (more than i budgetted for food) and tonight i spent £20 of my tax credits 'savings' and i've made plans for the next two saturday nights and possibly next wednesday. the worst bit is i know no matter how guilty i feel i'll be out drinking these nights anyway.

the big things i'm coping wiht, nes 0% card to bt, remortgaging etc etc, but it's the little everyday things that i'm stuck on. i said at the start of this 'month' that the leftovers after bills etc would be spent on xmas gifts, but more went on me than on xmas, and like i said i'm now onto spending the tax credits money i said i'd save. i'm more worried about not feeling bad about it. i've always tried to have a life as well as attempting to become debt free, but the debt free side has been neglected recently. i hate being 25 and not being able to go out when i want. i feel that there is a certain life i should and want to live and hate that anythign will get between me and it.

what i'm hoping now is that i'll enjoy xmas with friends etc and not get into worse debt doing it (i guess there are worse things than spending savings...i could be using my cc!) and that i'll get back on track in january. hopefully one or two bad but not awful months won't set me back too much!

oh and i told ebay what they could do with their account, long story but they are total barstewards and i want nothign to do with them anymore! so no chance of making money that way!

sorry for the rant, i just need to let off steam!

lynsayjane

it's been a long time since i posted anything on this diary, and it's even been a while since i had much time to post on the site! what i wouldn't give for 30 hours in a day...tho i'd probably find a million things to do to fill the extra time. i have been good while i've been absent though, or at least as much as i can be!

i applied for a smart car cc (0% for 6 months, no bt fee!) and bt'd my skycard, well £1400 of it, paid off the extra so skycard is now clear, will cancel it in jan, you build up skypoints which can be used for moeny off your bill so once i get sky in jan again i'll use the points and cancel the card.

i opened a new a & l current account and am in the process of transferring everything to it so i can only have one account, at the moment i've been running three and it's tough! my credits have been changed just the dd's to sort out. it's a 12 month interest free od so i'm going to transfer that over too and close all my other accounts.

i've got my court date for bank charges on the 18th of jan, i should get about £800, i'll use this to clear my bos cc and the rest i'll split, some to my smart card and some i'll spend on a few new bits of clothing, i don't own a pair of jeans that fit right now, knew there would be a bad point to dropping three and a hal dress sizes!

my outgoings have gone up recently, new mortgage rate, getting sky back, having to upgrade my mobile package (i just can't keep to the lowest packege!), but i'm hoping to find ways of increasing my incomings too, tho no definate ideas just yet other than checking out deals on quidco. but my debts are decreasing so having less money to pay off them balances out or summit!?!

life in general is really good up here at the moment. there have been a few incredibly amazing things happened over xmas...who says miracles don't happen? all this wishing on stars appears to be paying off...i can only keep wishing and hope it works out, oh i so hope it does...:D (<<<this has been me since sat!)

anyway i'll do up a new soa sometime in the new year or before when i have time, am gonna check the snowball too, see where i'm at.

merry xmas my darlings, hope all your dreams come true! x

Mrs_Sparkle

Hey Lyns,

I'm struggling to sympathise, really I am, but 3 and a half dress sizes???

Please share your amazing things... it sounds wonderful. Is there a man involved by any chance?

Well done on your progress- you're doing so well x

lynsayjane

Mrs_Sparkle wrote:

Hey Lyns,

I'm struggling to sympathise, really I am, but 3 and a half dress sizes???

Please share your amazing things... it sounds wonderful. Is there a man involved by any chance?

Well done on your progress- you're doing so well x

it's going back two years but at my biggest i was thirteen and a half stone (give or take the odd pound), basically it's all down to the gym! i lost two stone when i first joined, within six months. i left for a year then when i rejoined i found i'd only varied by a couple of pounds, all the weight had stayed off. i've lost another stone or so since jan when i rejoined. i've not been able to lose much in the past six months of that, but i've been toning up so much. it's basically in the past five months i've dropped so much sizes. i used to be a 16-18 now...i got size 8-10 jammies for xmas! tho most places i'd say i was a 10-12. there is no trick to it though, it's been all blood sweat and tears, but sooo worth it! i'm going to be working on a diet/exercise regime for the new year, including not drinkin :eek:, to try and shift the last stone but i have to admit to being happy with myself now, when i look back on old photos i feel almost sick, to think i actually believed i ever looked good then!

anyway, there might be a man involved...not in the weight loss, but in my life in general. i met someone at my works xmas party and it seems quite promising...tho very early days, three to be exact!

Mrs_Sparkle

Got your PM and it all makes sense now. Have to say that you looked absolutely stunning in your dress so I'm not surprised you met a man!

That's what I weigh now- 13 and a half stone. That's 2 and a half stone I've put on with the pregnancy. Now if the baby weighs about 4 pounds at the moment, all the fluids & placenta maybe another few pounds... that's a LOT of pounds I have to shift after February so it'll be the gym for me.