One Day Debt Free

laura237

Money in purse: 2.00
Money in bank: 777
Bills still to pay:732
NSD's to date June: 5

Well, i've been on a shopping spree again :mad: bad point:

• spend £106 on bikinis :eek: eeeekkkkkk

Good points for the last few days:

• CC's are coming down.

I keep logging into the accounts to see how the balances are doing , not coming down quick enough. Think im becomming obsessed. Received a letter from Halifax about interest rates increasing so rang and cancelled the card. Cant even remember the last time i used it anyway.

As this is my diary i thought i'd write about the things i used to do before my LBM. It really is shocking to think about the money i just chucked away.

• Bought an i-phone with the credit card. I already had a contract and signed up to another one. So 2 x £35 line rental for 18 months = £1260 OMG and the cost of the i-phone that i didnt even use. That is shocking
• Bought 3 pairs of designer jeans £300 each :eek:

Im sure there's more and i'll add them later. Hope this helps me stay on the right track. Those two things would pay my CC's off now think i'll go and have sulk for a bit

laura237

Money in purse: 2.00
Money in bank: 460
Bills still to pay:639
NSD's to date June: 6

Monday morning again had quite a quiet weekend. Half day Friday was spend doing housework and sorting out avon stuff, oh and a NSD:j

Saturday we went out for the football and spend £60 :eek:thats why the bank looks so bad today. Really not happy about that. Rent is due out tomorrow so will have to go into overdraft for a few days.

Yesterday was hangover day, urgh i was so ill. Slept for about 14hours and feeling nice and fresh today

Plans for this week are not to spend, if we can. Need to do a little shop tomorrow but nothing major. CC are coming down and will try to pay more off them n friday.

Promise to update more but my life just seems so boring sometimes.

mummytogirls

Hi Laura, just had to pop in and say hi! Ive just enjoyed reading through your diary so far..keep it up!!

laura237

Money in bank: 186
Bills still to pay:118
NSD's to date June: 6

What a boring week. So glad its Friday though. Possibly having a little bbq tonight if it doesn't rain. Spent far too much this week on shopping, think im letting things slip. I really need to start little pots for food shopping and things as its getting ridiculous.
No NSD this week not good.


Things i need to sort out before end of month:

• Car insurance due 28th June. Do i pay it off. £280ish or pay over 12month. Im really thinking about paying it off and start saving for next year
• Phone upgrade was due 13th June. Normally i would've upgraded straight away but not this year a whole new me :money: :rotfl:so sould i cancel and save £15 and go PAYG :eek:

Must start recording everying i spend again. Will take £30 out of the bank tonight and it has to last us a week. :cool:
Oh nearly forgot won 50p on scratchcard today. Think im up to £7 :T will help with holiday spending money :rotfl:6 little weeks to go.

Oh and another nearly forgot CC's are under 2k, ok just £10 under but its a start. I love updating my sig everytime i make a payment. SAD!!!!!:T

laura237

Money in bank: 931.71
Bills still to pay:830
NSD's to date June: 9

Just a little update. Bills and bank dont look too bad. Even paid my car insurance off. £265 so less than i thought.

My phone was due for upgrade but decided to keep my phone and just got on a simplicity tarrif for £15 as month with no contracts. Thought this would be the best way.

Cancelled my mobile broadband so that saves me £15. This week i have reduced my DD's by about £40 :j every little helps


Plans for July

• Get fit for holiday. Haven't weighed myself since last time but will try. Had to buy some batteries for my wii fit :rotfl:
• Dont think i'll manage any over payments this month. Will stick with the min's until August
• Going to London 11th so £50 spends. Was gonna get some Christian Louboutins with my savings but will keep the money for Mexico.
• Loads of birthdays so will try to keep them cheap
• Alton Towers for my birthday. Really want to stay at the Hotel but its far too expensive when OH mam lives an hour away. Two birds and all that!
• Make sure there's enough in the bank to cover bills while away :mad: and stop buying clothes or there'll be nothing left.

Updated sig :Tlove it when CC's are nice round numbers :rotfl:i am becoming obsessed. But its a good obsessed i hope

laura237

Money in bank: 642.50 (-500)
Bills still to pay:112
NSD's to date July: 4

So had a few NSD, not nearly enough. Spend £40ish in London which isn't too bad. Tried on some Louboutin shoes :smileyhea but £600 :eek: no way. Think i'll stick to my new look ones that look quite similar :rotfl:

Wii fit works. +1lb grrrrr not going the right way. Think binge dieting might be the only way now. Not the end of the world really. Along as my tummy is a bit more toned.

Worked out i need £300 in bank for DD while on holiday. Still got 3 weeks pay and OH's wages to come in. So thats about £1725. Hopefully taking about £500 with us.

Need to sort OH's birthday present out before i go. Big 3-0, so need to get thinking.

Really disappointed i cant really overpay CC's but once holiday i over i will start again. Would love to get one of them paid off before xmas :A thats like £160 each month :eek: well i will try my best

Need to stop thinking about getting an i-phone :money::rotfl:done!

Plans for my Friday night: Go for a run, clean the house for 6month inspection tomorrow, try to get to bed early for Next sale tomorrow.

Hen party Saturday night in town so i'll probably spend a fortune :mad: cant i just be a hermit and save some money!!!

Alton Towers Monday, so we'll need money for that, then just 9 days til mexico :jso cant wait for this holiday.

Ok quick little budget for spends:
1) Town night out £50
2) Alton Towers tickets £32??ish and £20 food
3) Dads bday present £15
4) Sis bday present £10 (already got bits from sales)
5)OH bday £200??
6) Banners and cake £15
TOTAL SAY £350 :eek:

laura237

Cant believe i haven't posted for ages. I've been trying to work out how much money we should have but my brain just doesn't want to work. I need to be back on that beach in Mexico drinking a cocktail :sad:

Cant believe how amazing Mexico is. It was so good just to get away and forget about everything. Think i really needed that holiday. Made me think how i should be enjoying things more. Cant believe im 25, no house, no kids. I feel like im just surviving, not living. Need so more excitment in my life and possibly a new job. I feel so depressed coming back to work. Its killing me getting up every morning, this crap weather isn't helping too.

So quick bank update-

Money in bank : 461
DD until i get paid : 550

not so good. I get paid Thursday so hopefully it wont be too bad. Shouldn't need any food, probably just bread and milk. I really cant be spending any money until Thursday. But Topshop have a lush dress to go with my new nude peeptoe KG's and i still want an i-phone. Everyone seems to have good phones and i've got a shi!!y one :cool:

Ok enough moaning from me, it is Friday afterall :j

Weekend job hunting and zero spending. Im sure i've forgotten to mention something.......

laura237

Money in purse: 3.00
Money in bank: 1243
Bills still to pay:1075

Really need to keep my little diary up to date especially as xmas is coming up. I've made a list of who im buying for and i've got a few cheap things in already :eek: and its only August :rotfl:

Will start NSD from September again. My month starts on the 25th as OH get paid then so just seems easier to calculate bills from then.

My wages still to come in weekly should be £275 x 5 = £1375. We must seriously overspend on something!!! Must try to stick to some kind of budget as OH wants to book holiday to somewhere exotic after new year.

Need to keep some money for OH driving lessons as i promised them for his birthday.

Updated my sig earlier and its so motivating to see it coming down. Sometimes feel like paying a huge chunk off but i know i'd be skint until the end of the month. I will make extra payments as much as i can in Sept. Halifax has the highest APR but Tesco has the lowest balance and i would love to be able to clear one. I will start concentrating on the Halifax one though. Haha little rant to make things clear in my mind :rotfl:

This weeks spends:
Bank holiday night out :eek: always spend far too much say £60 for the 2of us.
Food shopping as there isn't much in. Think i'll make a list first though as i seem to buy what we already have in eg 2bags x 16 sausages :eek: alot a sausage casserole coming up in our house :rotfl:
Mam's birthday. Really dont know what to get.

Oh yeah demotivation to spend if ever needed, i managed to spend £500 on clothes in July!!!! Totally shocking, even if it was mostly holiday clothes

Think later i'll post my xmas list just incase i loose it

Aspiration

Sounds like your doing great and your sig looks good as total debt coming down!

Well Done,

Aspiration

laura237

Money in purse: 3.00
Money in bank: 1421.30
Bills still to pay:1075


Thank you Aspiration, you seem to be doing well too :beer:

So just a quick update, bank and sig after payday and £55 to Halifax :j