A journey of a 1000 miles must begin with single footstep....

rachelww1

Nor am I. So I budget that my wages come in the last day of the month (not working day). DH's wages are every 4 weeks and that date obviously changes monthly. That date is correct on my spreadsheet. As long my wages are in before the 1st, then I'm happy, as this is when all the big D/D's come out.

**Kat**_2

It must be so frustrating though. It was pay day for me, can't wait to get home to see what damage I did to the reserve up to today - hope it wasn't too bad, only time will tell.

DebtFree2012

Well done on the extra payments woo.
Is your total debt mostly lloyds now then - sorry for being a bit dumb, need to look again at your sig
xx

Woowoo

Hi DF

My debt consists of:

Lloyds cc: £3,583.74
Lloyds o/d: £2,897.89
Barclays cc: £2,906.62
Mum: £1,300

DebtFree2012

OMG That is even better than I thought hun - well done you!!!!! How did you pick £2600 as target for extra payments?

Can't wait until I am in same position!
xx

Woowoo

As that's what I was going to be short to clear the debt the end of this year.

At the moment I'm not really in the mood to think about it all, just feel like plodding along.

Might even give myself £100 a month spending money, I desperately need some fun and some new clothes and stuff.

DebtFree2012

Aww hun, I read your previous posts but didn't want to bring it back up for you in case you were having an "up" day. Why don't you list down what you need and work out how much it'll come to then spread it over 2 months or something like that?

Try to keep smiling - think of how much you have achieved and how many people (inc me) you have inspired on here. You should be sooo proud of yourself.

((((Hugs))))

Kepp

I think that's a good idea Woo.

Give yourself a bit of a treat, you've worked hard and with everything going on, you need it.

You can always take that back out of the budget again if you feel the time is right x

Woowoo

Sorry if my post sounded really negative and short - was just doing 3 things at once!

I'm fine really guys x

DebtFree2012

Multi tasking as it's best glad you're ok. x