Fresh start for 2011

mummychicken

Hi Skint, yes i am still pretty low, i am trying to shake it off but having to watch the pennies all of the time is getting to me. I am bored by it & would like to be able to go shopping and have a nice lunch with friends without always wondering if i can afford it.

It is all my own fault though and a long time coming, i have been burying my head in the sand for years & years, getting into debt that i could not manage. As bored as i may be by it all, as fed up as i feel i will not get into debt again. I need to stop feeling so glum & get on with clearing it.

Skint_but_Optimistic

It's hard to pick out the positives at times. Especially on these dark nights. You teach a point where it Looka hopeless, we just got to keep on the road together I suppose Xx

mummychicken

Have not posted for a while as not alot to say Still bored of having no money & still clearing the debts at a snail pace.

It half term this week and i have no money to take the DC out We are walking the dog and visiting the park as it is free. Went to my auntys for lunch yesterday.

Baked spuds, sausages and fried onions for tea, cheap & autumnal (is that how its spelt ??!!)

Skint_but_Optimistic

Its good enough. Just keep plugging away, I dont even feel like I am making progress at the moment, so many things have broken. I am attacking ebay, just to get some extra money to throw at it.

Cheap days out are the best ones. Enjoy x

mummychicken

Still trying to keep focused and clear my debts but have really lost my way the past couple of months.

I am doing well at paying my aunty the repayments, i am determined to repay all that i owe but everything else is proving to be more difficult. I have a £200 OD which i cannot clear, although a few months ago the OD was £2000, i used a 0% CC to clear it but am only repaying the CCs with the minimum re payments.

More than anything i am trying to shift the black cloud i have looming over me, i get down too easily & bored beyond belief of never having spare cash. I hate being so miserable but am finding it hard to snap out of.

mummychicken

A LSD yesterday, few essentials so we could eat. Nice roast dinner cooking today and i have spent the morning catching up on E mails and doing the housework.

Need to sort out my wardrobe, pack away the summer clothes, it is so untidy

Skint_but_Optimistic

I need another cull and more ebay listing I think...

mummychicken

Eeeek!! I forgot about a cheque i sent to DS school for a trip, it was cashed and sent me £11 over my OD, that means a £25 bank charge . I am now resorting to using cash, i cannot be trusted with my debit card.

Have done all my housework, my home looks nice at least until the DC come home from school !

LSD, had on line shopping delivered so no chance of picking up anything i did not really need. Stir fry for tea, then a bubbly pamper bath for me.

mummychicken

I really should be thinking about starting the Christmas shopping, not easy when i have not a clue what to buy and money is so tight. I am going to try and put £2 a day away in my jar, surely even i can find £2 each day, if i do then next Christmas i will have £730 for Christmas !!!

I spend £2 a day on cr*p most days, a latte , silly magazine, sweets for the DC so it surely cannot be difficult, even for me. I have never saved a bean but the thought of £730 is soooo inspirational- anyone else care to save with me ?

abba1772

i think i will save £2 a day with you, i did the £365 in 365 days challenge and enjoyed it and it covered my car insurance so no nasty DD's being sent out every month lol