how do u do it?

kezzygirl

i dont want u all to think that we are mickey takers...i hate being in debt so much so that i worry constantly.like i say, this is the month of the kerry revolution.
My new account with the co-op is open which has no o/d no credit facilities etc and my wages next month will be paid into this so instead of £100 of wages going to o/d in joint account and bringing us out of the overdraft, all wages next month will be ours.which i am so looking forward to!

i have made these steps as a positive thing, i.e left enough in joint account to cover bills and took the rest out for petrol,etc and we will not touch joint account apart from when hubby gets tax credits.
just wanted to buy dvd to give us something else to do instead of watching telly and him bein gon world of warcraft

eyeopener2

kezzygirl wrote: »

i dont want u all to think that we are mickey takers...i hate being in debt so much so that i worry constantly.like i say, this is the month of the kerry revolution.
My new account with the co-op is open which has no o/d no credit facilities etc and my wages next month will be paid into this so instead of £100 of wages going to o/d in joint account and bringing us out of the overdraft, all wages next month will be ours.which i am so looking forward to!

i have made these steps as a positive thing, i.e left enough in joint account to cover bills and took the rest out for petrol,etc and we will not touch joint account apart from when hubby gets tax credits.
just wanted to buy dvd to give us something else to do instead of watching telly and him bein gon world of warcraft

Your doing really well, keep going!

isy1011

No one thinks you are a mickey taker.

Everyone has to do what is right for them. With me if I let myself think it's ok I can eat out I would do it much more because I dont have the self control.

Anyway you have started to do something about it and that is what counts.

ViolaLass

kezzygirl wrote: »

just wanted to buy dvd to give us something else to do instead of watching telly

I thought what you wrote sounded fine except for this - how is a DVD really any different to watching TV? (When you're £5.5k in debt, that is).

kezzygirl

thanks for all your comments.i will endeavour to cut the eating out his month! will perhaps let u know how we get on!?lol.

MrsTinks

If you DO eat out make sure you do things where you can get 2 for 1 or half price (like pizza express) or similar I had a McDs breakfast a few weeks ago - the first McDs anything since I think March... For me it's because of loosing weight though
However it was interesting how I looked at it and thought "wow HOW much did they charge me for this? I could have made twice as much and MUCH nicer for less than half that!" and I haven't even fancied a McD since
Eating out... if we eat out it's the local pub - good grub, close to home and good prices. Probably happens once a month
We have a fair whack of joint debt, but also an income that should allow us a lot of luxuries... unfortunately we both picked bad partners early on in life and all our debt is from before meeting and getting married... So we have decided to allow SOME luxuries so long as we can still over pay the debts. It's a little slower (especially with a 16 month old!) but we want to enjoy life a little too... However it's horses for courses... what works for one may not be the best for another and you have to decide what will work for you

BEAT_THE_DEBT

Dont beat yourself up over the dvd, you are aware of your spending and debt and in time you really wont eat out or buy dvd's it takes time for the lightbulb to burn brightly!x

shebrett

hey kezzy, I agree that sometimes the treats are necessary. DVD's are the choice of relaxation for hubby and I as well, I use the online DVD rental it works out much cheaper than buying them. We spend less than £12 per month with Mr T DVD rental and we get DVD's sent out 2 at a time and when finished they send out another 2 within a couple of days. Postage is free and we can have as many or as few as we like as long as we only have 2 at any one time. There are some cheaper deals on there as well which might suit you?

kaz0705

I have been a slave to the snowball calculator! Basically I decided how much I could pay each month (basically an extra £50 to £100 a month on top of the minimums) and then used the snowball calculator to sort out how the repayments would be.

Means that what's left over once I've paid the extra is mine- I can spend it on going out, eating out, ordering pizza- whatever! :-)

Check it out on: whatsthecost.com (they also do the SOA).

:-)

orangesmartie

I'm still in the stage of being obssessed with paying off my debts and therefore resent having to spend money on non debt things.

I have completely cut out things that would be classed as entertainment and wouldn't have previously thought twice about.

I changed jobs about 2 years ago but am still in regular contact with my old workmates. To the point that I was going out for lunch every week with one of them. Then there was the pizzas when i was too tired to cook, Ben n Jerry's when it was buy one get one free ( a deal too good to pass) and the monthly lunch with my current team.

I got paid on Friday. On Thursday I had an extra £200 to chuck at my debts because I'd been so strict with myself in the last month. I got all my friends together and just had one large group lunch. We ate in my work canteen, so I could take my own lunch (my excuse was i'd forgotten we were meeting so brought my normal lunch). When my team go to lunch, I offer to stay and man the phones.

That said, this weekend I went to tesco and had a shopping binge on complete crap and spent a whopping £4.45 on stuff i didn't need but wanted. Its come out of my shopping budget though, so no one else to blame but myself at the end of the month.