Apple's I cant believe Ive done it again diary

redsquirrel80

Hooray for early Christmas payday! (next Thursday for me)

You sound organised with the shopping

Applecider_2

Hey squizz all ready for xmas now apart from two parcels stcuk in the mail but theres not alot I can do for that! Hows ur shopping going?


PAYDAY TODAY!!!!!!!!!!!!!!!!!!!!

Paid alot out unfortunatley alot had to go back to my overdraft but still managed to get it down a little bit

new totals

Barclaycard - £2110
Virgin - £3650
Catalogue - £180

Paid off O/D again

bringing me to a total of £5940. whit wooooooooo!

Im getting slightly obssessed with my debt so going to chill out on it now and concentrate on putting money in my savings jar, doing my cashback websites and making a new ebay selling box.

My new years resolution will be not to spend on things that I do not want only things I need but at the same time to enjoy life and not be TOOO STINGeY!!!

Will update when ive got some more things to say but cant see me MAKING lot of money over xmas!!!!!!!!!!!

on a good note topcashback paid me £20 so thats gone in the jar

one question if anyone is reading. My mobile phone is on a one month rolling contract, its on a £20 a month but I keep getting stung because I have to make lots of phonecalls and its always £35 would it make sense to sell my iphone (make about £160) and get a contract out and get a free iphone4?? Its not like im never going to need a mobile because I do!!

Applecider_2

I have been thinking and my usual wages will go back to £1400

bills £750 (inc £200 credit card payments)

My general money £400

Which leaves me with £250 to put on my credit card.

I can pay at least £400 off my debts every month. In 12 months from now if I can carry on paying this amount I will have paid 4800 off my debt. Needing an extra £1100........

OR

£500 a month off my debt and in 12 months I will be debt free.

I smell a January challenge.... Aim to pay £500 a month off my debts. Its a high target but not impossible. Its something I think I could try n do, sell things on ebay, quidco and then I know how much to aim for.

JANUARY 2011 NEW CHALLENGE - AIM TO PAY £500 OFF MY DEBT AND BE DEBT FREE BY JAN 2012!!!!!!!!!!!

watch this space................ think i will just carry on in this thread???

Applecider_2

Back with more debt.... But i have bought a house.

I have to pay overdraft first £3000 which is a shared debt, and then borrowings off family. Both credit cards are interest free until 2013 so it gives me a chance to save

my plan
£500 Overdraft next payday me (February) £2500
£500 overdraft boyfriend £2000
£500 Overdraft next payday me (March) £1500
£500 overdraft boyfriend £1000

hope to stick to this

Applecider_2

Still here.

Ok need to sort this out this money lark

£8500 Car loan
£2000 Natwest
£5500 Tesco
£1000 Overdraft
£200 Overdraft

Where do I start?? I need to start by sorting all my bills and getting them low as possible. I need to start saving in my tin again properly and open the one I have now.

Maybeeeeee I could plan menus ahead? Also try and save £400 a month until August.

5 months that should give me £2000!! So my goal for August is to knock £2000 off some of my debt. Anyone got any ideas????

Applecider_2

Im back again and in even more debt. I really have to sort this out, going from full time to part time soon need a plan.