Stephie's 100 Strokes of the Brush before Bed

rdchick

Payday tomorrow... I am so excited I bet I will hardly sleep!

Looking forward to saving some pennies and paying off lots too

6 weeks without pay is a seriously long time... thankfully I have my second job but that's been used for mainly living expenses!

I have signed up to 10 NSDs in February, it will be rather hard but well worth it need to learn to stop spending for the sake of it

Over the weekend I have found a brilliant app called My Fitness Pal which has saved me like £20 for 3 months with the Boots diet as it's exactly the same, but free! Lost a lb this weekend so I am down to 84.4kg now Hoping I might see the tip of 82kg by next week... that would be awesome! A colleague told me about the flat belly diet, looks good but I don't like olives etc! We shall see! Fad diets are always a bit silly anyways...

Got a few things on eBay... some have bids and watchers on so fingers crossed xxx

kerri_dfw

If it's any help I've managed to lose 6lbs by eating beans on toast for lunch everyday. The beans are protein so actually make you feel full and they're good for digestion

rdchick

Ohh beans on toast sound yummy, I have lost 6lb this month but those little rice pouches have been my lunch... will try beans on toast as from tomorrow xxx

kerri_dfw

rdchick wrote: »

Ohh beans on toast sound yummy, I have lost 6lb this month but those little rice pouches have been my lunch... will try beans on toast as from tomorrow xxx

If you have it wholegrain bread is better than white bread

rdchick

Yeah I can't eat white bread it bloats me out and gives me acid! Always wholegrain Sounds like a yummy cheap way of keeping full! xxx

rdchick

Just did another snowball thingy, this time included minimum payments... should be debt free (with the banks not with the bank of mum and dad by next february Good times xxx

rdchick

Payday today.

Been a long time coming but now it's here and half of it has gone already!

I am going to be honest now, never ever admitted it to anyone and not even on here.

I was really silly and took out payday loans at the end of last year and this month, always paid them off on time but it is so stupid. They were little loans, less than £100 but I brought rubbish with them, like I would get £50 because I needed some fuel in my car and I hadn't budgeted for it so I would put £20 in my car and use the £30 in Asda buying junk.

NEVER AGAIN.

I have heard that payday loans have a bad effect on your credit rating (even though they say it can help build your credit when you pay it back on time) and that's the last thing I want, therefore as from today I have paid £260 to the loan sharks and I vow that from this day forward I will never ever use them again. EVER.

I can't believe I thought I could just do it and be ok with it... Luckily this month my boyfriend said that instead of getting me a laptop for Christmas (yep I didn't get anything on Christmas day!) I could have the £300 he would have spent to pay off some of my debts. So that's what I have done. I just have to give him £50 for rent this month and it should get me out of this borrowing circle.

So I guess my debt total is higher than I have previously said and that I have actually paid off a lot more... which is why when I have to put my total on the xmas thread it's always a bit disheartening....

ONWARDS AND UPWARDS!!

So from 31/01/2012 I rdchick will never ever use payday loans ever again.

HERE'S TO DEBT BUSTING!

kerri_dfw

glad to hear you got rid of the payday loan, I had them on and off for 3 years before I decided enough is enough. I could have paid off my debts with all that interest!
You can update your overall total on the xmas thread to reflect the true amount paid off if you want we don't mind and it's better than feeling disheartened everytime you post. We won't bite

rdchick

I know it's crazy, seems logical at the time but at soon as that money lands in your account you think... what have I done?!

Lesson learnt, and no real harm done, I was sensible always paid them on time/ early so nothing detremental other than taking them out in the first place but equifax doesn't seem to log them

I might update my total but I dunno lol! Think it's better to have a clean slate, this is my real debt and it's going in the right direction from now on

PS: lots of watchers on my ebay items... few with bids... hoping for some bidding wars at the weekend xxx

rdchick

rdchick wrote: »

Over the weekend I have found a brilliant app called My Fitness Pal which has saved me like £20 for 3 months with the Boots diet as it's exactly the same, but free! Lost a lb this weekend so I am down to 84.4kg now Hoping I might see the tip of 82kg by next week... that would be awesome! A colleague told me about the flat belly diet, looks good but I don't like olives etc! We shall see! Fad diets are always a bit silly anyways...

So this morning I saw 83.9!! Yay! another lb gone! I had so much chocolate yesterday (3 curly wurlys and 2 packets of M&Ms :eek:!)

So many watchers on my ebay... why won't they bid...

I also have a New Found Glory ticket on there for next week... Really hope it sells as I don't really want to go