Deliciosa’s DFW diary

deliciosa

Hello again!

Catt - true, its just the feeling that it was a self-set goal, how pathetic that I cant even keep that... but anyhow, I will set a more realistic goal for me... and i am really not going to beat myself up about that 15 p.

I really cant wait until tomorrow - payday - and almost two month's salary! wohooo!

miggy: you are absolutely right, i am like that, going from one extreme to another and when Im on high then its just wonderful but when Im down I just want everything to end... I am always either extremely positive or negative about my debt. this might need changing....

but i just had one of yesterday's tortillas, spreaded houmous on it and chopped up vegs, wrapped them up - total cost: £0 - and its the best food ever!!!!!

Skint_Catt

ooh that houmous wrap sounds nice! Making me hungry now and I really don't want to stop at Tescos for my Dorito and dip addiction! LOL

Catt xx

deliciosa

oooohh doritos for you, pretzels for me, m'dear...

eating lots now, just had cereals (cost: £0 again - from cousin, she hates berries)

Diary entry: done something stupid by talking to a debt collection agency and telling them I dont live here. I cant believe I became a liar. Please dont hate me guys.

Its here: http://forums.moneysavingexpert.com/showthread.html?t=371866

uhhh why is it so hard...

miggy

deliciosa wrote:

but i just had one of yesterday's tortillas, spreaded houmous on it and chopped up vegs, wrapped them up - total cost: £0 - and its the best food ever!!!!!

This is so unfair... I haven't any tortillas, and I haven't any houmous and it's gone midnight so even Tesco is shut and you're making me hungry!
Are you making your own houmous? I haven't tried but understand its quite do-able.

lynzpower

miggy wrote:

This is so unfair... I haven't any tortillas, and I haven't any houmous and it's gone midnight so even Tesco is shut and you're making me hungry!
Are you making your own houmous? I haven't tried but understand its quite do-able.

You can also make you own tortilla wraps! With plain flour, water, frying pan and something else ( baking powder?) OS know the answer to this one I know ive seen it there

deliciosa

Good morning!

This is really one of the nicest mornings ever.

I got a massive £1764.24!!!!!

I can’t believe it. I couldn’t wait till I got into the office so checked it at the natwest cash machine before I got on the bus. I was jumping all the way to work! Finally, finally, finally I do have some money that’s actual money and not just available credit. My God, I realise over and over again how horrible it is to be in debt. I am going to get rid of my debt as sopon as I can. I want to see nice positive pounds on my savings account piling up….

So I put aside £400 for rent. That left me with £1364.24. Unfortunately HSBC charged me this month’s interest of £25.53 (uhhh) so with the debt collection £55 paid from that card yesterday, I went above my limit by £17. They did not charge over limit fee yet and if I’m lucky they wont because they receive my payment at the same time as they receive the charge. Sooo I paid £540 right away to HSBC. This, if I calculated right, leaves me with about £1500 debt on that one. Woo hooo!

I also sent £100 to my Marks and Spencer card just to cover the minimum and some more. I assume the balance on that one would be around £1250 but I did not calculate interest in so that’s an additional fifteen quid I suppose. Since I have a fairly good interest rate on this one I decided to leave it as it is for now.

I realised I couldn’t pay my amex because I made a small payment within the last three days so I can only pay again on Sunday. Which is good because it leaves me time to think. So the rest of the money, I put on my other savings accoutn (both at natwest, accessible by a click online) – that’s 700. I left £24 on my current account just in case. So by Sunday I will see whether I pay this all on my amex or I keep a little emergency fund, or maybe I keep like 200 for spending moneya nd just pay the rest on amex, I will see. I can’t really see any emergency coming my way so I might not need the emergency fund.

What I need to spend on this month:

1.) food at work – I need to top up my pass with about £40 to cover a month’s work lunches. It’s plenty. Maybe I only put on £30.
2.) Purim party – I have to go to that one, with the costumes and the ticket, etc it will probably cost me about £52. I know it’s a lot but it includes torah reading and everything and I really MUST go to it. And also, its plenty of free food so I will probably save on that day’s food anyway.
3.) £40 to put towards the plane ticket I need to buy next month. If I put aside £40 now and then another £60 next month then its not like I have to pay the whole amoutn at once.
4.) £60 to Orange bill – that’s bill for january and february because I couldn’t pay it in Jan…

This is about 200. And then maybe an additional £100 to put aside for everything that I might need, like additional food and food in the weekends, soya milk etc. so if I do that, this will mean I will have paid off at least £900 of my debt, incredible… next month I will aim for £500 because I will get much less money then…

So that’s my plan now, will update my sig soon – for the first time I am actually proud of myself, this is looking better and better!

Anyone knows where could I borrrow cheap costumes for the fancy dress party?

miggy

Just popping in to admire all that lovely cash before it goes its separate ways!
WRT how much to allow for various things: I think if you are in doubt, allow the larger amount. That way you are less likely to throw yourself into a pit of despair if you spend more than your minimum, but you may well have some extra at the end of the month to pay something off, which would be a nice feeling and something to work towards. For instance, allow yourself plenty on your work pass - if there is some left over at the end, just put a little less on next time.
Have a great day

slowlyfading

Thats looks great, if my bank balance read that I'd be skipping all the way to work Sounds like you've got it sorted, so have a great day! Just another thing to suggest, do you have anything you can sell on Ebay/Amazon? Just to bring in a few extra pennies Its something to think about anyway!
SF :heartpuls

Skint_Catt

Wow, well done. It's great to hear you so happy - makes me happy too!!!

Now remember, don't cut it too fine on anything this month - even if you have £5 left over at the end of the month this can go towards next months debt!

Keep at it! :T :j

Catt xx

deliciosa

miggy - thanks. I did a full forecast for Feb to 9th May and its actually a bit dissappointing, I tried to foresee day by day but the total adds up to £500.... need to think about this more. Need to find better ways to cut back. I might post my aoutgoings and see where you guys could help me tu cut back?

sf: thank you, it WAS an amazing, liberating, inspiring feeling! and the £800 is still sitting there... soo nice to lookat....
I do have an old ebay account, I see if I can use that....

x