how do you do it

Glitterari

Chin up El, you'll get there in the end. But I would recommend cutting it up esp if you don't feel you can trust yourself.

I have my cc still but I got sent a new one when the old one ran out - I've not activated the new card yet, so can't actually use it. Once you get used to not using it when you want to (rather than have) then it's really easy to just forget about it.

Good luck - C xxx

mountainofdebt

at least you didn't get yourself back into too much debt before you realised you'd slipped off the wagon.

Is the tickets you bought for the friends ones that you will get paid for ? If so I would ask them for the money, even if you haven't got the tickets. If you'd bought tickets on my behalf I would understand that you needed the money to pay for them before you'd actually got the tickets so don't feel embarrassed aout asking.

Can the tickets for the nephew / son be put towards a birthday / christmas present? If you can then all well and good but don't buy anything else on the day as well.

If they can then in reality ,you've only bought your hubby's and yours.

But don't try and explain away the purchases if you can't do any of the above!

ZTD

Freeze it until you get some "real" money behind you, then it's "Mr Scissors meet Mr Credit Card".

Molanole

elantan wrote:

i am totally overspending i bought 7 tickets for the levellers ..where on this planet does that constitute and emergency ?

Ela - Don't worry, I had a similar "emergency" with Charlatans tickets. Mmmmm, Tim Burgess, a luxury but what a luxury................ Sorry, I'll back on track...


Don't be too hard on yourself hun. Imagine how you might have been pre-lightbulb. You'd have spent on the card and then continued to do, and then only paid the minimum and you'd have dug yourself a great big hole. At least now you are aware of how you're spending, know your weak points and know that you have to address it.

How you doing by the way hun? Long time no hear, read, whatever, you know what I mean!

elantan

well me not being one to sit around (lol) and realising xmas is going to be a problem i took the pervebial bull by the horns and placed it in a chinese plastic soup bowl and placed it in the middle shelf of my freezer ..i managed not to cut it up but will wait till hubby get's back from ju-jit-su and will discuss this option with him as it's his card ...i think i just panicked when i saw my online statement ..i was getting to smug by half about my control over our debt methinks ...thanks everyone for your advice ...now to find the money to pay the !!!!!! off lol

elantan

hey mol i keep missing you all on ff's diary i keep looking for it ..but can't seem to find it is she not posting much just now?..i'm doing good but missing my weeble challenge put on all the weight plus the obligatory extra few:o ..been studying at college and loving it ..but getting used to public transport and i thought the trains would be on time:rotfl: :rotfl: ....how's you ? i miss our wee chats

Molanole

I think she's busy with the allotment. Come to think of it I haven't much from scottish either and I've been bloomin busy at work (supposed to be working now but it just makes me want chocolate )....

I'm gonna go find fishy's thread...... hang on a tic.

elantan

no not heard from ss either or ali it's like the 5 weebles have weebled off boo hoo

Molanole

Yeah! I know, it's like we all went off at the same time!

I've managed to get to the swimming pool twice this week already and am hoping to go again tomorrow if I don't have to go to a work thing. I made a deal with the OH that for every hour of exercise I did, he would do an hour of reading up on here, sorting out his budget, finding the best card and so on! Not doing too well on dieting though and if anything my debt has increased by a couple of pounds so could do with getting back on the wagon. I had to get rid of my diary though as my boss comes on here now and he would have known it was me. Not sure how to keep motivated now though as it really helped!

Glad college is going well hun, what are you studying? Perhaps you should become an avid letter writer to complain about the public transport. You never know, you might get a freebie out of it!

elantan

i gave up on my diary as well i found it too depressing and was thinking if i'm finding it depressing what's everyone else thinking ..but now that i'm back tracking i'm thinking maybe i should've kept it up ...i'm studying biological sciences then hoping to go onto a degree in human biology psychology and sociology i'm taking this year to find out if i can manage work school etc and not get into more debt ..but that set me to worrying to as it seems most people obtain alot of debt whilst studying and i really really don't want to do that ..also there's alot of people with qualifications but can't get the job's they want ..me being and old fart will find it even harder ..oh life why can't it every be simple eh....did you change jobs recently ? or has your boss had his light bulb moment?