My debt free diary

girlracer

well it seems my moneys all sorted now, just waiting on my HB cheque which i should get tuesday, then can get the rent paid
Off out tonight to a friends 21st, i dont think i will spend alot itsjust a quiet do really. Just practising for the karaoke sesh ( if i have the nerve ) Still havent got my overalls need to get that sorted asap

Nothing much to report atm, just hope i get my funding through for college, dont know why it takes so long to process, i applied in july

girlracer

Really going to concentrate on getting these coucnil tax bills paid off
I am currently paying £20 pcm on each but need to have a sit down and work out if i can pay a bit more
shame one cant go on hold whilst i pay the other, but there with different councils so not an option to even ask
unless i call one and ask to make smaller payments
and put the money on the other one
would like to pay the £486.86 because that is for an address i moved out off 4 years ago the other is for my current property
Well im not feeling to good had an argument with a family member and whilst i would like to sort it i think its best we just dont talk for a bit and let us both calm down and just get on with our own lifes which is a shame because we do get on most of the time i just think im being a cow because of things going on in my life and im taking them out on him which isnt fair but im too stubborn to apologise
but i will just get myself sorted and crack on with paying what i owe and getting sored for college next week its all that i can do
have applied for a part time vacancy as a parts advisor, that is weekends its not any hours so i will still get my benefits untl i am in a position to go full time
I have thought about downsizing my car i have a 2lt subaru impreza non turbo its a p reg and done170k but its a great runne it just keeps going and the engine is great but i till dont thin i will get alot for it and even if i downsize to a 1.4 lil something i dont think it will be much cheaper
insurance premium gone up £18 and i read its because of all the uninsured drivers otr so thanks !!!! oles why should us legit drivers b penalised!!!

I have money put aside to pay my cc bill, now my money has been sorted, so much for a £20 spend on that each month but barclays upset my money by cloing my account, i need to pay it so i dont get charged interest
well i will do an action plan for ct tomorrow, and phone if i need to change payments
night all ranted for long enough

girlracer

Well i have been seriously ill these past two days and im only just starting to feel better
moneys a squeeze yet again, but theres not much i need
car insurance sorted now till the 26th september
council tax payments due on on the 5th ( both of them ) going to be late with the payments
but i will ensure i phone them before friday
CC bill is on the up again, going to rein that in right away

HB came thru via cheque gotta wait 10 days for that to clear, just hope i dont get a threatening letter now from the HA
Back to college on monday and still no overalls
All i want to do is sleep i have never been so ill for so long

girlracer

I apologise in advance, i dont know what relevance this post is going to be, because i dont know what im going to write im just going to type as i think
Moneys tight atm very tight
back to college on monday and my heads all over the place atm with some personal issues, i dont know what im feeling or anything and its quite scary hence me being up at 4 oclock in the morning
I feel like just going away and not telling anyone where i am, not because of money really just for my own sanity
Im really apprehensive about everything atm and i dont know why im normally a go get it kinda girl,
Ive been thinking for a couple of years now about writing a book or something for tv, i have lots of ideas in my head but when it comes to putting pen to paper these ideas just vanish
i still havent got my overalls for college because what money i had for them has had to be spent elsewhere
im worried about members of my fam and i still havent made up with my cousin which kills me cos i know he wud b there for me if he knew how i was feeling, i dont think its a case of being stubborn with him just embarrasment cos i shot my mouth off before i thought
also im annoying myself, because i believe that ppl shouldnt feel sorry for themselves cos at the end of day if u got a roof over ur head, food in ur belly and love then u r not a poor person, there are people out there who dont have anything, im not being ungrateful i cherish the things we take for granted like electricity heating water etc someone said to me we pay back all our lifes and that is so true
Thats why reading diaries on here ive found that some people have let debt repayment tak over there life
A few people i know are always on about wanting to lose weight wanting to clear debt, we got one life and we gotta live it, i will give myself a kick up the !!!! and i will make a success of my life because i no there are peole a damn sight worse of then me

girlracer

Very emotional weekend, but i just gotta be strong and stay focused
back to college tomorrow, girls arent back to school till thursday so they are off to the day nursery
get my i/s and tc this week so im going to pay some off the council tax at the end of week
and waiting on cc statement so i can pay that off as well, and use it for xmas
i no it sounds to soon to sy that but it will come round so quick

well of to cook the kis dinner and try and relax and calm down from the weekends events

Cialilerin

Hi Girlracer. Haven't been on here for a while cos got a bit overwhelmed with everything, maybe August is a tough month for everyone.
Wow, you have had some major cahnges in your life recently. To me as an outsider, it seems like you really are in cobtrol with your money saving etc. Guess it's your personal life that is suffering most! I have worked a lot with people who have suffered DV, so think you've done really well to have recognised that it has to end. Obviously it's going to affect you all and the kids can't always put into words how they feel so end up acting up!! THere is help out there, it's just knowing where to find it - think about contacting women's aid, they can help with counselling for yourself as well as practical arrangements. School can also offer support if you feel able to tell them. Anyway hope you don't mind me referring to this! I love the fact that you are trying to sort yourself out - financially and personally - you are a strong independant woman who knows where she is going, how good is that?

girlracer

Thank you for your lovely post, i know it seems crazy but i heard my ex went out with another girl and i went mad, i know its mental me being like that when he was violent to me, but i guess i thought he had just moved on to easy, i shouldnt care after the way he treated me, but i guess when you been with someone 11 years .. i cant even explain but thank you again but back at college tomorrow and i hope it takes my mind of other things and i can just crack on with what i have to do
Is everything ok with you
Happy for you to pm me if u wish
nic

Cialilerin

Was just going to say the same to you, don't want to interfere but I'm here if you need a shoulder !!

girlracer

Thank you cialilerin much appreciated
well went back to college on monday to continue with my lv 2 motor vehicle course love it already the college is better and the people are nice, there was another girl on my course but she ran for the hills at lunch time, still never mind have got my overalls now just need mum to take them up
got my money for college, getting £142 pcm so will help with travel
had my vanquis bill today as well so going to pay that asap and then keep it low till xmas
need to pay council tax still .. oh dear i will b in trouble if i dont

girlracer

Well not very pleased with myself,
Just checked my online rent statement and the council have missed a weeks rent payment after all the kerfuffle so now im in arrears with that
ive maxed out the credit card, looks like the student finance is going on that now the min payment is £13 but i want to clear as much as possible
still havent paid council tax, be so glad when they are clear, im thinking of getting a budgeting loan of the dwp, that way i can pay some bits of and get back on track and be strict with myself .. for defo this time
mums done my overalls so ready to go tomorrow
did do a big shop on friday £150 but to be fair i havent done a big shop since me and my partner split, was just using up all the stuff we had in the freezer, just doing my head in thinking what crap diod i spend the money on instead
have put £20 each on the gas and leccy meter so that will be ok for a good while
well off to job hunt b4 an early night got to be up early