Finally reaching out for some help...

PinotGrigio41

Well done you for the mahoosive big NO ! Well doen as well for reducing the debt by £2000 so quickly. What an achievement !

As far as the chocolate goes, you have to have some fun, so Im a firm believer that the chocolate can stay its just the debt that has to go !

rdchick

Yep I am with Pinot, chocolate stays!

Congrats on the debt busting that's amazing! I think you might be my new inspiration (my old inspirations are now debt free and hardly post on here now!) so yay

and double yay for saying no to payday loans... woop woop! xxx

PinotGrigio41

Isnt it funny .....years ago when we were mere whippersnappers we looked up to people who were popstars, movie stars etc and they were our inspiration. These days we aspire to be like Kerri the Debtbuster instead or others like her !!!:rotfl:

kerri_dfw

Oh dear the pressure is on now then eep! Thanks lovelies I shalln't be disappearing after I'm debt free though, I go off the rails when I'm not logging everything on here... just look what happened when I went off piste for the weekend £40 in mr T!!!

Just ordered the OH the most sickeningly icky valentines card using a free card code from this site. We don't do V-day, so it was more a taking the biscuit than a loving thing wohahaha. Do a forum search for "kokkle" and look for the one talking in baby language.

Oh and if you insist the chocolate can stay Off for some cheapo beans on toast 24p roll which I'll only have half of and 25p beans which I'll have half of, so a total lunch price of about 25p today yay They charge about £3 in the cafe for that you know! Outrageous and crud beans too.

Ooh completely forgot, my sister has me thinking of money in terms of tins of beans... soo... yesterday we were discussing BT taking an additional £4.60 from me because I forgot I needed to pay them, so they charged me. I probably should have got this in writing before I handed my card details over to them, but I was a bit in the spotlight with everyone in the room staring at me. So then my sister questioned me about it after the call and said "How many tins of beans have you just lost out on?" turned out it was 19 tins of beans, or 38 days lunch!!! I know it's a bit of an extreme way of thinking of things, but she did have a very valid point.

Another small payment made to 3mans after a fleabay payment went across to ppal £3.10 towards them to be precise. 3mans is now under £70. If I keep this up on the 20th I'll have nothing left to pay them. I know I should have just paid it outright, but it's quite fun to be putting the little payments towards it and this way I know I'm not spending the money from ppal on anything but debt, whoop whoop. I've got 8 other items all selling in the next couple of days, that's at least £2 each so another £20 or so yay.

kerri_dfw

Ok so I know I've gone completely off the rails when I order pizza... guess what I'm scoffing?!?! oops! Well I say oops like I won't ever do it again but I know I will. I used the tenner I had in my purse to pay for it which was naughty, but I do now know the plan for next week I've got to go to Birmingham on Monday, work from home Tuesday, Ipswich wednesday, home or city thurs, city friday so I need to trips in the car and the rest are oyster card. I put £20? possibly on my oyster this evening, I forget which button I pressed oops. I'm setting a limit of £40 for leaving drinks tomorrow, anything more and there's a big slap on the wrist heading my way. I won't drink anywhere near £40 worth of alcohol but it's the done thing to buy drinks when you're leaving *gulp*.

Oh had a lovely letter of Wescott today saying they would offer me a deal, this is code for BS! I phoned them they offered me £250 off the outstanding. Last time they offered me nearly £400 off the asking, so I don't think so somehow! She then asked me to make her an offer then, so I muttered something about priority debts yadder yadder yadder and she said that they tell people to pay priorities first got me out of that one.

RosaBernicia

I keep a couple of Pizza Xpress pizzas in the freezer for emergencies. They're not all that cheap compared to other home meals (though they are on offer quite regularly which knocks them down to £2.50 each) but they're healthy and done from frozen in 18 mins so keep me away from the delivery ones.

Enjoy your leaving do :T

Rosa xx

danetastic

Well done honey your doing well and such an encouragement. Am just starting out on my journey but seeing yours via your pOsts shows its possible. Wanted to start my own diary but too early ATM . Have subscribed to yours to keep inspired Hope you don't mind

kerri_dfw

Rosa, I defo need an emergency pizza in the freezer I only just ate half of last nights one.

Danetastic thanks for following :-) its never too early to keep a diary even idiots just a log of what you're spending they're such a great tool.

Eugh I need to get my bottom into gear and out of bed, I have to walk to Finsbury Park this morning as my travel card has now run out and I'm on payg oyster, so there's no way I'm paying for zone 3 or a bus to get me to the station when my little feet can take me to zone 2! Saving of about £2 I think, but whilst I'm paying for it I'm not paying more than I have to.

kerri_dfw

I've just had another LBM. I have £20 to spend on Mum for Mothers Day. She wants a facial soap by a well known beauty company beginning with C and including a Q. That's £14, and if I go to JL I can get it with the £15 voucher that came from which? yesterday. This means her present is free but she doesn't know it! If I go between the 23rd Feb and 10th March I can buy my mascara (which is running out) with the £20 I was going to spend (it's £16). If I buy two items I get the bonus time gift for free. I'll flog this on fleabay again, as last time I got £15 for it that's a free mascara!!! Woooohooooo

danetastic

Well done Did try to start diary yesterday and was told couldn't as needed to do so many posts Today after reading your reply to me it worked so my diary has started Yahooooo and a big THANKYOU as need all the help I can get which is why I subscribed to yours . You are doing so well am inspired !