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Buffy gets a life and budget Diary

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Comments

  • beanielou
    beanielou Posts: 96,704 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad you had a good night.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Glad you had a fun night :-) yes Daniel craig is lush haha but i'm more of Edward Cullen fan haha xx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Been pouring over my figures...........

    I need to get it in my head that I can do this. I have relied on credit cards for about 15 years now and I still find myself doing it even when really I have savings, I have my quidco account and I have evry thing I need.

    I have make up stocks, I now have clothes thanks to e bay, still got a bit of a bra issue but hey you guys don't really need to know that!! :o

    I am returning

    1 top
    2 bras
    = 25 quid.

    I don't owe Mum any more - well in reality I do but she won't accept any more so that's that.

    I do owe the tax people hopefully just 100 pounds. do you like my "just" there. It may even be a little more.

    The debt could go if I didn't just waste money - even with the expense of the driving lessons I should be paying off more, and with the possible expense of running a car soon I can't afford to run the debt too. It will be SO lovely to not have to watch my money disappear to the loan.

    To be debtfree by the 1/1/11 (a year and a month later then my original dec09) I need to pay off 1221 each month from August.

    II know my plans seem vague to say the least but i never like to go into details about my pay - honestly I should have had this paid off last year but hey I didn't. Not quite learnt the MSE lesson yet. feel kinda ill thinking about the money I have !!!!ed away. off for some decluttering

    xxxx
    Nevertheless she persisted.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Buffy I have abandoned my mortgage overpayment diary as I have fallen into really bad habits again too.

    Totally ashamed of myself, we are going to Florida !!!!!!.

    We have had alot of things break in the house lately and 2 old cars which seem to be costing us every month but with our joint earnings we should be able to easily pay the £800 a month overpayment on the mortgage.............Oh No, instead I have ended up with over £1000 on a tesco credit card.

    I can feel my face blushing just typing this:o

    Can I join you on a turning over a new spending leaf my friend, I really do need some support and I think we would make a great team.
    But these things take time, I know that I'm, the most inept that ever stepped.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would absolute love to Lou, really I need some one to kick me (off e bay, amazon, out of the pub!). Lets go for it girl!

    xxxxxx
    Nevertheless she persisted.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Buffythedebtslayer wrote: »
    I would absolute love to Lou, really I need some one to kick me (off e bay, amazon, out of the pub!). Lets go for it girl!

    xxxxxx

    Thanks Buffy, it means alot xx

    I should really go and update my diary page, do you have the link to it or should I post it here?
    But these things take time, I know that I'm, the most inept that ever stepped.
  • beanielou
    beanielou Posts: 96,704 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Trying to think of a name for you two :grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Here is the link anyway:D

    https://forums.moneysavingexpert.com/discussion/comment/34403065#Comment_34403065
    But these things take time, I know that I'm, the most inept that ever stepped.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    LouiseJ wrote: »
    Here is the link anyway:D

    https://forums.moneysavingexpert.com/discussion/comment/34403065#Comment_34403065

    Found you and already posted! You are stuck with me now!

    xxxx
    Nevertheless she persisted.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well had a pretty good day really.

    so sleepy. off to bed finally

    see you all tomorrow xxxxx
    Nevertheless she persisted.
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