Get Tink out of trouble 2011!!

Tink_04

Ok today hoping for a NSD gonna take DD to the park this afternoon and mostly do house work in between - might check the bank if im brave enough :eek: but its too early now to deal with it!!! got lots of people to ring and letters to sort but cant do that til DD has her nap as its just not worth it really when she is clinging to my leg!!! im exhausted as she was up 3 times last night i just can get her to stay asleep she goes down no problem and settles herself to sleep but wakes in the night and screams!!!! so i just feel sluggish today and could really have done with having a productive day!!! at least if we go to the park and have a NSD it will be something!!!!

Have a nice day

Tink

Tink_04

ok actually braved looking at the finances and to be honest ive seen worst!!!

Bank = £3.41 :eek:
quidco = £502.04 being tracked

Tink_04

Hi de ho!!! well today has not been an overly productive day but it has been a NSD went to the park and then had lunch with a friend (free ) and DD then home to relax for a bit - no more house work done or anything else accomplished but i have a whole afternoon tomorrow child free so im hoping to get some stuff done then.

hoping everyone has had a good day

abba1772

thats impressive amount from quidco x x x well done x

Tink_04

haha abba1772 just looked again and realised a typo lol its £52.04 lol i wish it was that much!!!!!

Tink_04

Good morning!!

Well its 5am and im officially having sleepless nights!!! i knew things were bad but i had convinced myself things were manageable and i could afford to pay the minimum and by some super plan i could overpay and clear 2 debts this year!!!

Then reality hits and erm..... i cant pay the minimum im sinking a lot and although in a few months i could probably be in an ok situation its never going to be great and will take a long time! i also worried myself about my habbits as i was thinking about the money i could get and keep in paypal if i was to start ebaying again and found myself saying "oh id keep it for xmas" "oh i could buy this etc" and i was spending money in my head!!!! realised i need a good solid basic fool proof plan and i need to make sure i stick to it or i will be here in 20 years time with 4 times the amount of debt i have!!!

Well early in the morning after a bad nights sleep everything seems awful! im going to finish my coffee have a shower and shall be back to plan my productive day!!!

Tink

abba1772

it takes time hun to get out of debt....i suppose it's to teach us a lesson to be better with our money i guess

(((((((hugs)))))))

just remember you're not alone, we're all here for you x x x

Tink_04

Ok only a day late but better late than never!!! decided im going too ebay some things next week to try and up my paypal earnings, looked at mystery shopping and it wasnt for me. I dont have that sort of time and tbh i dont get taxed that much (as earn under the threshold) i dont want to up my earnings through the tax man and end up paying tax on my job that i wouldnt have paid before. Got a few things coming up that need ca$h so me and DH going to have a sit down next week and discuss these and how they will be paid for.

One thing i have found is i love the OS board!!! got a million ideas to keep us going now things are tighter:D

Tink_04

Ring back again!!! this is becoming addictive!!! got me a list of things to do next week so here it is:

*Tax Car
*Ring tax credits as nursery prices going up so might get a lil bit more towards it.
*sort out and list things to Ebay
*pay something off holiday
*ask about OT at work (not looking good just after xmas)
*look into PPI on loan :mad:
*ring Halifax after payment is missed

Off for a read on some other diary's for inspiration!!!

choogirl

Hi Tink

Just popping in to see how you're doing. You sound alot more positive about everything. I love the fact that you're sitting down to plan how the things are going to be paid for before they become due. Remember its the little steps and planning that will make the big steps so much easier xx