Freedom (I won't let you down)

Silly_Girl

Hello I am a silly girl - hence my username.

I'm 26 and since the age of about 18 I have been a credit card & overdraft abuser AND today, that is going to STOP.

I'm around £8k in debt and really I have little to show for it. For some reason I've always been awful with money.

I came to the realisation that not everyone is like me when one of my colleagues said 'I'm really broke this month, I even had to use my overdraft'. Err I can't remember a time I wasn't in mine!!

I know full well where I overspend - clothes, toiletries (I only use Clinique & Lauren Mercier - oops) and dinners out so I just need to STOP.

Anyway I'm waffling! I'm going to plan my meals for the day and then cancel my lovefilm & weight watchers memberships. I rarely use either! xxx :money:

elantan

alot of people live in their overdrafts ... the banks depend on it .. it brings them alot of money in ... your gonna do it ... then all that money is yours ...think of all the clinique you can buy with it

beanielou

You can do this!

mummychicken

Hi and welcome, Congrats on trying to get out of your OD after 8 years. I have used my OD, cleared it with loans, re-used it and got myself in a right old mess for almost 20 years :mad:

I am giving myself a CASH budget each week & desperately trying to stick to it but this forum is a huge help and the people are so friendly & supportive.

Keep posting & good luck.

Silly_Girl

mummychicken wrote: »

Hi and welcome, Congrats on trying to get out of your OD after 8 years. I have used my OD, cleared it with loans, re-used it and got myself in a right old mess for almost 20 years :mad:

I am giving myself a CASH budget each week & desperately trying to stick to it but this forum is a huge help and the people are so friendly & supportive.

Keep posting & good luck.

Thanks guys.

I'm doing EXACTLY that mummychicken. I got £30 out on Saturday and have used £1.60 to get a cereal bar & can of coke. I don't need either :mad: But other than that slip up I haven't spent anything - horrah!!

I'm also using 2 purses one for cash and one for cards so I can leave the card one at home unless I'm getting petrol.

Also, I've made some rather flashy spreadsheets. Hopefully they'll keep me motivated!:money:

**sde**

Hi silly girl, just wanted to pop in and say good luck! Im the same age as u and also been living im my overdraft since i was about 18,and had a credit card!
Ive also got to the stage where enough is enough,..... We can do it :-)
I now leave my purse at home when i go to work unless i need something,or if i know i wont b going home 4 lunch then i take food with me.it sounds silly but its amazing how much it all adds up!
Anyway enough about me. Well done 4 getting here andgood luck again!

Silly_Girl

**sde** wrote: »

Hi silly girl, just wanted to pop in and say good luck! Im the same age as u and also been living im my overdraft since i was about 18,and had a credit card!
Ive also got to the stage where enough is enough,..... We can do it :-)
I now leave my purse at home when i go to work unless i need something,or if i know i wont b going home 4 lunch then i take food with me.it sounds silly but its amazing how much it all adds up!
Anyway enough about me. Well done 4 getting here andgood luck again!

Awh thank you. Leaving my purse at home is working!

Today I'm having a no spend day :money: Had oats-so-simple that I've had in my drawer for months (always went for the 15p a slice toast) and I'm having soup for lunch that I got for free from 'diet chef'. It's actually quite substantial! And tonight my boyfriend is coming over, usually we'd go for a meal or I'd go to Waitrose for something fancy but instead I'm making fish n chips (with mushy peas!) out of all the stuff already in my freezer.

So happy I've found this forum. I don't have that drowning feeling anymore. Is it sad that I'm finding being good with the pennies almost fun? :cool:

Emsky*

Good Luck Silly Girl!"

LAM2011

HI - Welcome and Good Luck.

I too only found the forum this year buts definitely been the best thing I have ever done. Spreadsheets and keeping a notebook of 'to do', 'goals' and 'spends' has helped me no end - all good advice of this very forum.

This month is the first time in 8 - 10 years I have stayed out of my overdraft and I am hoping to keep it that way. It feels good to have tackled something of the debt.

gaz2180

Silly_Girl wrote: »

Also, I've made some rather flashy spreadsheets. Hopefully they'll keep me motivated!:money:

Haha! Me too!

Good luck!

Silly_Girl

Thanks guys!

I had a no spend day yesterday and am planning the same today apart from putting some credit on my gas card. It's an essential so I'm not counting it.

I now have ANOTHER spreadsheet listing what the old me would have spent and I'm £9 up so far - yay!

Better go to work I guess - boo hoo!