My Debt-Free-Wannabe Diary

DontDoDebtKids

Lloyds and M&S Payments went this week:

Debt Totals

M&S: £6789.45
Egg: £6365.83
Capital One: £5098.12CR
Lloyds: £1842.06
Amex: £5594.31

Total: £15,493.53

DontDoDebtKids

Spending Diary 20/11-26/11

5.60 lunches at work
49.23 last lot of christmas presents
68.59 business expenses
6.80 drinks in pub
21.60 train tickets to london
15.60 cinema tickets
21.00 21st birthday present for cousin
39.16 petrol

Total: £158.99

DontDoDebtKids

OK I've written my LBA but I haven't got a chance to post it today. Hopefully it will go on Monday, as I've left it with a friend who is willing to take it to the Post Office.

I'd stick it in the post tray but I need to send it recorded!

DDDK

gallygirl

DontDoDebtKids wrote:

Spending Diary 20/11-26/11

5.60 lunches at work
49.23 last lot of christmas presents
68.59 business expenses
6.80 drinks in pub
21.60 train tickets to london
15.60 cinema tickets
21.00 21st birthday present for cousin
39.16 petrol

Total: £158.99

:mad: :mad: :mad: :mad: :mad: :mad: where's the fish food, vases and other frivolous items :mad: :mad: :mad: ??????? (OK, I could get arsey over the cinema, drinks & train, but even so, impressive week DDDK!!!!) (ooohhhh it hurt to say that:p )

And good to see debt plummeting as well!!!

DontDoDebtKids

Yippee.

First Direct have given in and will be refunding my £30!!!!

I have signed and returned their capitulation notice :rotfl:

DDDK

DontDoDebtKids

Still haven't got my cheque from Capital One! :mad:

DontDoDebtKids

OK, slightly late as just back from weekend break:

Spending Diary

8.50 notebook
7.50 nice chocolate
1.30 lunches at work
4.40 stamps
45.60 business expenses
5.45 lunch with old work friend
85.00 flat ground rent
£33.98 booze at airport
£186.24 currency

Total: £247.37

DontDoDebtKids

Just got 12p in interest and £13.27 from Quidco!

Groovy!

Now, where's that bleeding cheque from Capital One - I got a letter through from them saying that it will be here in 14 days, as if that is doing me a favour!!!

I'm going to write them a letter of complaint and ask for some interest or a goodwill payment from them to compensate me for the massive delay!!!

Grrr :mad:

I'll post it here or on the main board shortly so people can give me some tips!

Verbatim

Well done on bearing down so consistently on your d's.

DontDoDebtKids

I'm having a bad month for spending, or so it feels!

Anyway, I've decided that I will try a new year's resolution that perhaps I should have tried long ago...

I currently have a Morgan Stanley card that pays me cashback for purchases but I always hate the day on which I have to pay the bill! It always seems to mount up and I am eternally playing catch up, or so it seems.

Now the cashback is really great but actually I think I might stop using the card as my new year's resolution and just pay in cash for everything. Then I'll be able to keep a much closer eye on how much I am spending...

What do people think? Keep using the card for cashback or just move to cash and kick the credit card habit?