My diary - getting rid of my debt deamons!

Kei

So, 2 weeks and 4 days until payday and counting.

I spent £25 on Friday night so I had £25 left over in my purse :A (from the cash I took out with me).

Yesterday went into town with the OH in the afternoon and spent £17 in starbucks for both of us! :eek: Was happy to treat him though as he pays for a lot for me.

Roughly £8 left in my purse, however that is already allocated as contributions towards my 3 colleagues bday presents (we do cards and presents in this office - gets expensive!!!)

In my account I have about £130, however that is already allocated to paying off a storecard this month (not included in my total, because I had a very naughty splurge last month and did not admit it to my diary).

So all in all I have £0 to spend on myself until the end of the month!!!!

Trying to organise a car boot but it really is weather dependant so I am hoping it dries up and stays dry so that I can get selling!

Still hoping to get rid of the cc although that is dependent on the carboot, my tax code being corrected, and selling the bed.

Kei

Not much to update, used all the cash in my purse as I had to donate to my clgs various bdays this month. I have 14p in my bank! Basically, I am skint. There is money in the joint account for food and petrol so its fine, I can get by, but I have no spare cash so I can't go out! 2 weeks till payday, so only 2 weeks to get through of mostly staying in and making lunch for work everyday, I will manage!

Got annoyed at work this week though when my clg was moaning at me because I was putting some small change in for the presents. What was I supposed to do, go to the bank and go overdrawn just so I could hand over a note and get change given back to me!!! Kinda made it clear that it was all I had so it was either the change or no money, which settled that! Later in the afternoon I was asked 'are you ok, you seem a bit tense today?', ARRRGH :mad: there is nothing more that winds you up when they say something like that when they have just annoyed you to start with!

Def starting a masters course in Sep, although looks like I will be funding it myself. Manager is trying to get me some funding though so will see what happens. Would really want to be debt free by then if I am paying, also I don't want the worry of debt when I am going to be stressed with deadlines!

Kei

I am getting just so fed up of wishing for payday. Every month payday comes around, I pay off a pre-worked out amount of debt, am happy for the day, come on here an update the totals, then the next day all I am doing is counting down until the next payday and working out how much I can afford to pay that month!

This month I ran out of money and am back in the OD a bit, not good. I did not budget very well, which means that on this coming payday I will not be able to put so much towards the cc and other debt. Just wish it was all gone now!! I don't want to wait any more!! Still, I am 66% down with 33% to go, but the pace is slowing.

Better go and read some other diaries for some inspiration to keep plodding on.........

Kei

Ok so the bed is finally on gumtree! Decided to do it tonight ready for the weekend so hopefully wil get some enquiries but will have to wait and see! One week until payday, so only have to get through this weekend not spending a penny apart from the food shop! Should be easy, no plans tonight, tomorrow night having a family meal so will be free, and in the daytime either housework (boring) or gardening if its nice. Next weekend after payday is when I am seeing all my friends so hoping this one will be quite quiet!

Just made a HM pizza and put that in the oven cooking. Have been watching what I eat all week so this pizza is a lot of veg and a bit of mozzarella! Eaten loads of fruit and veg all week and feeling better for it, need to work on my water in take now as I know I am no where near getting enough. Need to make a habit of starting the day with a pint of water.

Feeling a bit tired tonight, busy week at work again.

Kei

No enquiries about the bed yet but will keep it on there for now, as it is a big item don't really want to ebay it unless I have to.

Payday in 4 days!!! I keep banging on about pay day don't I!

The OH and I are thinking of booking a holiday for June so that's gonna affect my DFD, however I am really in need of a holiday and it will be so worth it! Going to be sensible and choose something not too expensive so that I don't end up paying for it for months. I would wait until I am debt free to book a hol, but that will be about Sep time, and I won't be able to go then as I start my course, so its either now or wait a year............. now I think!

Kei

Right well I got paid today and I am much happier this month because I got taxed correctly and I think I got the tax back this month for being taxed incorrectly last month! Received just over £100 more than normal, but this month i'm not going to pay nearly everything to the debt and then be left skint as I am so depressed of having no money, then something unexpected comes along so I go into my OD and I feel even more depressed! So, I did £106.92 off the CC today to bring that down to a nice round figure of £500, and I have a couple of quid in savings now which really will go to the OH to pay back the car money I borrowed, so I can bring that down a little bit.

Been so good this month and brought every single lunch in to work from home! No spends in the canteen!

Have not sold the bed nor managed to fit in a car boot so bit dissappointed but can only mean that I still have that to come!

I have a hen do this month soI think after the hen do I will review my bank balance and pay some more if I can. I am also thinking that because the OH and I might book a holiday I might want to buy a few new bits for that.

So far looking goo though and much happier now!

Kei

:j:j Wooo under the 2k mark at last!!! :j:j

Kei

So this month I have put an extra £200 in the joint account :A which is going towards overpayments on the mortgage (have started a new diary in mortgage free wannabe for that!), I have also given my brother £40 for his birthday, and I still have over £300 in my personal account! :beer: Usually I would have put most of that towards debt repayments, but this month I have a hen do so have decided to treat myself to a few new clothes, maybe a spray tan, and some spending money for the weekend. Obviously I am not expecting to spend all of the £300, and whatever is left I will try and pay some more debt.

I think that this month I have already paid nearly £300 off the debt (£100 on CC and £180 on OD) so I am quite pleased! :T:T:T

*doodle*_2

You are doing a fantastic debt-busting job! I hope that you are planning on doing something nice when it is finally gone

LittleBoots

Wow, well done on getting under the 2k mark