London Socialite Sees The Light

Horace

You are doing amazingly well.

Last weekend my parents gave me £200 which they said I should put towards my rent but I decided to put £100 of it towards my business overdraft together with £40 from the tax man so that is now cleared. £100 went into my credit union account. I used the present from the tax man to pay off some other debts including the invoice for my accountant. Now I only have my Amex (being dealt with via their care programme which is giving me some breathing space), my Visa card which has around £447.00 outstanding and bullying twerp whom I pay at £1 per month. I would pay him more but he has been so vile he can whistle:D My Mum paid off my Virgin CC in its entirety and I no longer have that card.

Things are possibly looking up on the job front too after a top agency rang me and invited me for an interview - I could be in a job before you know it:D Plans for small abode are also coming together and I am constantly visualising my things in it. I told my parents tonight that I loved the house and could see myself living in it - I already had plans to repaint the kitchen, paint the pantry and have a vegetable patch in the garden. I didnt tell her I had already bought some curtains from the charity shop.:rotfl:

Last night I had the sirloin steak that Mum gave me - it was yummy and the nicest steak I have had for a long time. It was 100% British and had been hanging for 21 days (as all good beef should be) - I only discovered last night that it was from Aldi. So I shall be getting another one:D Dinner cost me 19p last night for the jacket spud - the steak and salad were a present from mum:D Had to smile at the greengrocers yesterday - I could have bought a pack of 4 baking spuds for £1 but loose ones (same sort of potato) were 19p each - so 4 loose ones cost me 76p. Although I am skint I am eating quite well.

Also having lots of NSDs. My debt will be cleared, I will be divorced and I will be happy and settled in a job.

LondonGirl252

determined_new_ms wrote: »

you are doing fantastically LG! Hope you get looked after to the max at the olds x

Aw thanks Yeah they do look after me bless em! Looking forward to a nice meal tonight on them!

LondonGirl252

Horace wrote: »

You are doing amazingly well.


Also having lots of NSDs. My debt will be cleared, I will be divorced and I will be happy and settled in a job.

Thank you! And so are you, it's so nice to read such a positive post, you've worked so hard for everything that you really deserve all of the above. I'm keeping all my fingers and all my toes crossed for you

LondonGirl252

OH MY GOSH I AM SO HAPPY!!!!! Just had the nicest surprise for a Saturday morning!!!!

I just logged onto the cleared Halifax credit card online banking to cancel the DD just in case and I saw the "NIL" had changed to £274.17 ..... CR!!!! And there's a nice fact refund sat on the statement for all the payment protection they took. Need to call them this morning to see how I can get at it as I don't have the card anymore. I was going to close the account but I figured I could do with it for when I have to pay for my exams as that's £125 I have to pay in advance then work re-imburse me and those details are already set up on CIMA website. BUT now, I could request to close the account and keep the cash for exams in my online saver from this refund then the rest can go to the NW ccard.

So pleased I made that phone call it was so easy!

Do I have all of your permission to buy a treat with this money too? I have a £20 Tophop voucher from xmas and there's a lovely bag in there that is smart and would carry my college books, I haven't bought it as its £60 so I needed another £40..... but maybe I could take just £40 from here for this?

Then the rest goes to NW! Woop that'll put that card at less then £2k now

Will they be open now?? Im gonna try calling them!!

LondonGirl252

Lovely Matt at Halifax has just advised me they will send a cheque that I will receive within 2 weeks

Chuffed to bits. When the account is back at NIL I will close it and put the money aside from this for my exams.

OK, so back on track now!

Getting the train home late this am, going to pop to library on the way to grab a book for the journey, I'm currently reading Huckleberry Finn but nearly finished! I read anything, any suggestions welcome!

Yesterday I bagged NSD 12 so that's the second target hit! Hoping to reach 14 by the first.

I have budgeted £5.00 for today and nothing for tomorrow. I'm making sarnies for both train journeys, the fiver is just for a birthday card for Nan and some dental floss!

Have a great one all x

Mich81

I'd definitely justify buying the bag using the PPI refund money - You need a treat every now and then, and its not going to affect your budgets. Well worth the price of a phone call to get that money back!

allybee101

Buy the bag!
It's a treat that will stop you from resenting the Cutting Back in other areas of your budget.
It's not going to ruin your budget and if you use the rest to pay some of a debt then you've balanced the spend. And you've not blown the lot on a big night out or shopping spree!

Amishwannabee

LondonGirl252 wrote: »

, I'm currently reading Huckleberry Finn but nearly finished! I read anything, any suggestions welcome!
x

So many books - so little time! I have joined a book reading group and it has helped me to read books out of my comfort zone so ask at your library if there is one running there. Not all the books chosen might be your cup of tea but I have gone on to read others by the authors I did enjoy - not buying new of course - either borrowing via library or cheaply at the charity shops.

trixie4

What a nice surprise! I think it's definitely a good idea to buy the bag - a treat every couple of months is justified, if only to ensure that you continue to save and don't get fed-up and splurge. I bet you'll value that bag loads more having put this thought into it than bags you may have bought on impulse in the past! I've just spent £92 on a bag to celebrate a promotion but I've been thinking about this bag for 2 years now so it feels justified!!

Trixie x

turbo.jet

Honeypie... you are on a budget... not dead! You can't go the next three years without anything nice! Its not a frivolous purchase, the money was unexpected. You are talking about taking less than 15% for a small one off treat for yourself. You have to spend the voucher anyway. 85% of the windfall is going off your debt. I think you can guiltlessly buy the bag.

Having clawed my way back from ~20k debt I'm a firm believer that you need some small treats every now and again to make th sacrifices worthwhile. If you don't have the treats, you are likely to end up falling off the wagon completely and blowing out.

The key is to ensure that your overall debt is going down significantly, which you are still doing.

I tell ya though... when you are debt free you owe me a bottle of champers! I feel like I've pointed you in the direction of a tonne of money saving now