Need help to get out of debt!

CH27

x.jem.x wrote: »

Does anyone care anymore or has everyone stopped reading this? I guess people talking to me was short lived

Give people chance. We aren't sitting here just waiting for your updates:D

Soundgirlrocks

Hi,

Didn't want to read and run. It sounds like you are doing really well (great bargin on the boots), I wish I was as good I can't seem to go more than a couple of NSD days!

beachie

x.jem.x wrote: »

Does anyone care anymore or has everyone stopped reading this? I guess people talking to me was short lived

I have just read this. Good luck with everything. :j

Tink_04

You have just remined me i have a £20 next voucher in my purse off xmas!!!! totally forgot about that!!! Well done and keep plodding away - wish you lots of luck at work and hope they keep you on!!

Tink

curlytop12

bless you.sometimes its just that your post slips to 2nd or 3rd page so doesn't get read that much,or its just you seem to have got a grip so we've no advise to give!!
think you are doing fab.don't blame you o the boot scenario!i'm a sucker for a bargain.
ive mangaed to finally change my cc's to 0% today,am really pleased.
light at the end of tunnel.
i paid my overdraft(£800!!!!)by getting a separate account and paying a bit off when i could.its good to see a positive balnce on your "proper"account.
Gem

Tink_04

Maybe you could post a diary on the other board too - it really helps keep you motivated and lets people see your progress too!!

d3mon4ngel

As an idea, as you are paid weekly, why don't you take out £10/£20 "pocket money" on payday. Leave the rest in there, and your card at home when you go out shopping. You'll be surprised how much more of an impact it makes having to spend "real" money rather than just putting onto a card (debit or credit!). It's much more of a demotivator to actually see the amount of money decreasing in your purse! Also, if you haven't already, I would advise starting a spending diary, and write down absolutely everything that you spend. It's amazing how much some little things that you don't think about about add up over the month / year. And, as Tink suggested, start a diary on the "Debt Free Diary" board too. I don't have many people replying to mine, but I keep chattering away to no one in particular

Good luck with getting your overdraft down, and hope that you can get a permanent job!!

x.jem.x

Awwwww thanks everyone for your replies I just enjoy it a lot when I can write on here and let people know how I am doing and it spurs me on when I write stuff down & see that I am doing well! I had a little knock-back on Friday after work. I got home to see a letter from Swindon Borough Council sending me a summons to court for not paying council tax:mad:...even though they never sent us any bills or anything? We had a guy come round about a week after we moved in (early Jan 2011) and he said he would get it all sorted for us and send us out a new bill. That never happened. Then the next thing that comes through our door is the summons. Great! But we've paid it off & they are going to send a bill out again and a direct debit mandate so lets hope that actually gets to us! LOL!

Tink_04.....GO & SPEND THAT VOUCHER! It feels soooo good knowing that you are spending and getting new things but not actually spending anything!

Gem68..I can't wait to see a positive balance in my current account!!

....and CH27...I know people aren't sitting here waiting for my updates. I don't expect them to be. It just feels good to know that people are out there reading all the stuff that I'm not just sitting here typing & pouring my heart out when no1 is listening.

Once again, thank you all so much for replying!!:D Really means a lot!

xxx