Stephie's 100 Strokes of the Brush before Bed

rdchick

Yesterday was a completely no spend day. Must be the first time ever it was payday and I didn't splurge

amazing.

On other notes. I have had so much leave my account, plus £73.84 to finish Studio and £63 for car tax I am now down to £207 from yesterdays wage of £1030. And I haven't spent a penny of it... all been robbed by bills and debts cannot wait for that wage to be all mine.

Think second job have screwed me over so won't be paid til Monday instead of tomorrow (payroll didn't receive my timesheet even though I sent it in time )

Someone on the debt free by xmas thread said about dividing your debt by 300 to get what you have to pay to be debt free by xmas... If I pay everything off except bank of mum and dad I will need to pay £23 a day. That sounds awesome but still a big amount to find every day. The second job means I can pay 2 days worth but still have another 5 days worth each week Don't think I will be debt free by xmas some how.

Weight is being rubbish, can't seem to stop eating so just piling on the lbs (can't get off of 13stone 5... want to be 12stone by the wedding in 8 weeks time... going to be a struggle xxx

rdchick

Still haven't spent a penny on myself, however I only have £77 in my account now and my car insurance and credit card payment needs to come out plus any little payments.

Been paid by the second job, and did an extra shift last night so next Friday should be nice I am going to see how long I can go without spending anything on myself.

I have managed to get my total debt under £8000 and my interest ridden bank debt is now £6698.76. Pretty pleased with myself

Need to get a little prezzie for my mum for mothers day and one for my Godson and best friend's husband. Not going to spend a lot as I don't have a lot! xxx

rdchick

I really hate cheques.

We live in 2012, there is absolutely no need for them any more.

(Paid for my maths GCSE exam by cheque... it's bounced... cue the awkward conversation)

debtfreewannabe321

hey hun, have you tried the free mug offer for mother's day in martin's email? We are really tight with money this month so i have ordered one of those (you have to pay £1.99 p&p only) and will get her some chocs too so should cost less than a fiver

On the day after payday we went down from £2000 to £300 it's truly gutting roll on DFD! xxx

rdchick

I bought my mum a little trinket box, it's silver with little gems on and has a photoframe bit on the lid so will stick a piccy of us in it, cost less than a fiver on flea bay

I hate payday, it's depressing!

xxx

rdchick

Slowly but surely paying little bits of debt. I have a balance of -£3000 in my account, not a penny in there... which is always scary!! I will stick my wage in there on Friday when it comes but I felt the need to pay a tiny bit off my credit card.

My balances as of today:

Credit card: £392.04
Overdraft: £3000
Loan: £3298
Mum: £1300

=£7990.04
=£713.28 paid off

It's coming down! Since telling my mum it's come down by £270 which isn't too bad but could be better - must try harder!

rdchick

Just rang Halifax...

I have got a sort code and account number for my loan... woop woop! Means I can pay it all off asap! yay! Also asked about PPI... and I didn't take it out... damn it!

But a big step for me anyways! xxx

debtfreewannabe321

haha, i also checked all my cc's and loans for PPI and none there and i was extremely disappointed i kinda wish i hadn't been so sussed on it and taken it all out just think of all those cheques that we could be getting back from them now (damn it!) lol!

Great news on beign able to pay it all off as and when now you have the account numbers though xx

rdchick

debtfreewannabe321 wrote: »

haha, i also checked all my cc's and loans for PPI and none there and i was extremely disappointed i kinda wish i hadn't been so sussed on it and taken it all out just think of all those cheques that we could be getting back from them now (damn it!) lol!

Great news on beign able to pay it all off as and when now you have the account numbers though xx

Thanks DFW! I know I didn't know if I had it or not and I asked and he was like errr no... I actually said 'damnit!' haha! ahh well! Got a tax rebate on Monday which I wasn't expecting so that will have to do! xxx

rdchick

Finally reached 10% of my debt! Taken ruddy long enough although now with my plan in place it shouldn't take long to get to 15 and then 20 and so on! Good times.

Also no payday loans... this month seems to go on forever but I have witheld the temptation even though they call daily... I just don't pick up the phone! xxx