A Payment A Day - Part 10!

Silaqui

Hi everyone,

I have a confession to make: for the first time in absolutely ages I have totally fallen off the wagon. It's payday tomorrow and I don't have one spare penny - I'm right up to my overdraft and I've gone and spent about £100 each on my DP and New Look storecards.

I think it's just gone horribly wrong as I had a couple of deposits to pay at the start of the month, then after I'd paid them OH's car conked out so he couldn't pay me the £600 he usually would - obviously that made a massive dent in the cash flow.

As for the clothes, I think that happened because I'd spent less than £30 on myself all month and I got stressed out and had a spending spree

Plan of action:
All the clothes I bought, whilst being a splurge, all fit perfectly and will be good as work clothes which I needed anyway. So I am going to keep them, get my OH to hide the storecards somewhere (I like to have them as I like the discounts I get - all of the above were 20% off!) and scour the wardrobes for things I don't wear that can be sold on ebay. I have already sold a few bits last week that raised £40 so that will go towards paying the cards off.

I have reworked my spreadsheet to allow for me to be back out of my overdraft and to have paid the cards off by July - assuming that there are no more unexpected expenses!

Sorry for ramble but needed to confess haha!

xx

psychopathbabble

Silaqui - don't worry, at least you are back on track now

I've been off the wagon for over 6 months But this month I should get it back under the 8k mark! I originally got it under 8k in January so it's slightly gutting to think I could be under 7k by now if I set my mind to it, but hey-ho back on the wagon I go now. I'm also going to try and borrow enough from CU to pay off my loan which should free up £80 or so a month which will help a lot in getting the other balances down quicker. Unfortunately next months pay is going to be diabolical as I've only worked one week this month so that isn't going to help at all!

pleasedelete

Ok. I will join in.

Changed credit card payments to fixed amounts not minimums. Most don't kick in until next month but hbos was this month so overpaid by

£250

Choppysocks

£5 for me for yesterday and today please.

saorsie

*reaches a hand out to assist silaqui and psycho back onto the wagon, whilst waving to Twinkle with the other*

£10.09 from me today please jj divided between book balancing and credit union savings (which is temporarily designated as the What If? fund as I've raided the actual one to change the GG)

-s-

pippo

Small but perfectly formed £5 to !!!!11
Pipx

pippo

Back with an extra £3.06 to holiday spends to take my total for the month to £300
This is on top of minimum payments and given OH had 10 days of not working which equals not earning and we've had 2 proper nights out and a wedding to attend I'm quite chuffed!

Also got all we need for the holiday except a pair of flipflops so for once I won't be hammering the cards before I go!!

There are, of course, loads of things I'd like, but I will be strong!!! (I hope!)
Pip
x

psychopathbabble

Thanks Saorsie... Hoping I stay firmly on it for a while!

Paulgonnabedebtfree

It has been an expensive few weeks for me and my debts have increased - though I have shopped around in order to get reasonable deals - even going into haggling mode at a computer shop due to it being the last one of that type and being their display model.
No PAD today but my spends over and above normal bills in recent weeks have been roughly £350 on a PC (the previous one was 8 years old and finally died - not economical to upgrade), about £1,700 on work equipment that badly needed upgrading (I will be selling the replaced kit second hand to partly offset this), £60 on a mobile phone as the previous one died, £175 on ferry tickets for a break later this summer on I o W, some headphones to plug into the TV because my upstairs neighbours are inconsiderate bar stewards who spoil my viewing.

The lessons I learned here have stuck though.

I haggled on the computer deal and saved some money (a relatively small amount I'm afraid). I will even be using a very ancient PC that I still have because my older printer only has a parallel port (newer PCs don't have parallel ports). So until I've squeezed the last out of the old printer, it will be hooked up to the old PC (it runs Windows Millenium and only has a 20GB hard drive).

I looked honestly at what I want from a mobile and avoided extra, unused features as far as was possible.

The work equipment is a big improvement and will enable me to work faster on some types of work - as well a making things lighter on my body. It may never pay for itself in direct material terms but should do in indirect ways (less body wear and tear).

The ferry tickets aren't really that open to competition but I did manage to get them for £20 less than the original price - and I'm not even sure how that happened because web pages seemed to link all around the houses and I ended up with it a bit cheaper.

I did spend a bit higher on the headphones as I wanted to ensure that outside noise was reduced as much as possible.

So even in those more expensive times, I still have some sort of MSE head on.
I would never have had the cheek to haggle in a shop a few years ago. A boot sale maybe, but not a shop.

Looks like I will need to work harder than I would have wanted, but such is life.

girlatplay

Well Gap-Land is quiet

Have made almost all payments to everyone, just waiting for a couple of dd's to come off for this month and the cheque I sent to BOS to reduce the loan. Have managed to stay firmly on the wagon my only spends in the past few days being groceries.

Managed to PAD £1.30 today :cool: June's balance is rising slowly but happily and it still isn't June yet! Does anyone else think that May has been the longest month ever?

Enjoy the rest of the day everyone