Deliciosa’s DFW diary

slowlyfading

-hug- are you coming on msn at all? keep your chin up.
nic x

deliciosa

slowlyfading wrote: »

-hug- are you coming on msn at all? keep your chin up.
nic x

Im not home until about 11pm... am teaching, remember?

Can't wait to get through this day to be honest....

I have no money. How horrible is this? I think I will have to use up my emergency savings... but thats only £200 as well and I felt so safe having them... I dont know what to do.

On a nicer note, I am trying to help a freidn who has £5000 CC debt and a £600 OD. He opened a new account on my recommendation already (yay) and started to shuffle (yay, yay) and now needs budgeting. We also sent off prelim bank charge rreclaim letters.

Once he receives responses or offers, I'll put it up for a poll, whether she should accept or not!

x x x x how are you??

slowlyfading

Oh, that's a late day! I'm a bit fed up to be honest, got some dvd's on ebay and they're not selling. just one of those days i think. wrote about it in my diary in here, but
Nic x

lynzpower

Hello darling hope you are feeling a bit more chipper I only get on line once a week at the moment and love to catch up with what you are doing.

I too, couldnt handle the distraction of having credit on the cards after Id paid it off.

So what I did was everytime I could, I'd call UP and reduce my credit limit by whatever I could.

This gives 2 bonuses
1) I cant spend WHAT ISNT MINE any more
2) it shows as settled on my credit record giving a luvverly fuzzy feeling of my achievements!!

Why dont you try that? Whats the point of allowing yourself to be tempted unneccesarily? Your setting yourself up to fail like that lady!

love
lynz
x

Skint_Catt

SF how long have your DVD's got to go? Most of mine that I swold last weekend went in the last few hours - I was so shocked when I logged on the next day!!!!

Deliciosa - you have a budget buddy!!!!! Maybe you can help and encourage each other? I think that might be easier than constantly fighting against people who want to spend!!

Lynzpower - that's a great idea - I might start that for mine! WIll go down to a maximum of £300 (in case of car emergencies) from my current available credit of £30,00k +! :eek: I really must close some of my old cards off!

Catt xx

deliciosa

Updates

Hello and thanks for writing again.
I have been out yesterday, that’s why I couldn’t write.

Most important things first: things are looking bad. Yesterday I have been told that I need to hae a medical treatment which costs me £89 each. I need to have at least 3 in April but preferably 4. I had the first one yesterday, that is an extra. This is horrible news for money saving (not to mention that I am also worried about my health) but it has to be done so I need a plan for this. Still forming the plan, my current plan is not to eat, drink, or exist until I have finished with the treatments. There is no way my insurance or anything would cover it. I need to budget it out. But I can do it, I know I can…

have realised that I have only reduced my debt from the 1st of march to the 1st of april by £180. This is actual reducement, so this is money paid in to the debt minus the interest that has been charged. I think this is a dissappointing figure. But it is because I have overspent on amex, I know. I will be more careful next month. I will have to - 4 blo***oody treatments, each at £89 - not funny. I am determined that I can do this and I have to have a positive attitude about it otherwise I will have a nervous breakdown I know. So, I can do it, I can do it, I can do it. No more starbucks for a month at least. Gosh it will be hard. Oh well.

Absolutely nothing to put on ebay. Zero. Need to come up with new ideas. But I will, I will.

Thanks for all the credit card tips, I will do as you guys said - I need to start spending less. Yesterday I have spent £140 that includes the treatment and a meal out (and I promise this was my last, but I had to go out because I was so miserable about the whole treatment thing). So that's it. Today I have spent £0.80 and that will be it. I have potato croquettes at home, that will do for dinner. Tomorrow I will have £1.35 lunch and free dinner, and no coffee. I MUST save now, it IS a serious matter because if I dotn budget and pay the treatment from my budget, I WILL have to use the credit cards and then I will be back into the mess I am just trying to get out of. So I must, must, must cut back, but seriously. #

So scared.

Lynz/SF/Catt, thanks for your lovely words, I really appreciate you guys taking the time and making the effort and writing to me, it always cheers me up. This now is the biggest challenge I ever had to face but Ill deal with it. I have to!!!!!!

So now I need to concentrate on getting in as much income as I can. I will teach next week too, probably. There is also a possibility that I get some money from my mum. Maximum £50 together with teaching. I have a £20 note in my bag, that will have to last today, tomorrow, Saturday, Sunday and Monday. Maybe even longer. I don’t know, I don’t know. Sorry if it doesn’t make sense.

X x x x

LookingAhead

Hi Deliciosa, I hope the teaching went well?

I'm sorry to hear you have something which requires a medical treatment and at £89 a pop, that's quite an "ouch". (I presume it is nothing you can get on NHS or if it is the wait might be too long...? No-one else can do it cheaper anywhere else?)

Honey, try not to stress out.

In life, your health comes first and if you need these treatments, you need
these treatments.

You must eat. But we've been here before haven't we? If you don't eat, you'll be ill, you'll get even more stressed and what feels like a bit of a worry now will feel 10 times worse. Shop cheaply but you must eat. Don't even joke about not doing it.

I can't get my head around why you can't cut up the HSBC card though...? If you're not using it and you don't want to add to your debts, why do you have to keep it? If it's because of emergencies then you have your AMEX.

Your £200 savings....seriously I would use it for food (not frivolous food like take out coffees or dinners out but proper food to cook at home/breakfasts) if things are that bad.

Debt....it's going to go down...but slower than you'd hoped what with the medical requirements. I know it's frustrating and I know you want to scream and you want it all gone now. But hon it's not going to happen so please try and accept it and stop adding to your stress. Too much/constant stress does bad things to a body...you don't need it!

Take care of yourself, you have to nurture yourself with food, sleep, water, relaxation at this time. Don't try for the almost impossible right now, it's not the right time I feel.

deliciosa

Hi La,

thanks for coming in! The teaching went very well, thank you. Another session next week, hopefully. How is your overdraft doing???

I can't wait with the treatment. I actually HAD to start yesterday. I don't want to talk about it in depth here but it can't wait and this is already with discount, it won't get cheaper. I have to deal with this. But let's see what they say after the third treatment because its possible that I do not need a fourth one in the same month, and so that one could come out of May budget, if that was true. I am having the second treatment on Saturday and they will be able to tell me more after that. We have to see how my body reacts. I will keep you updated on Sunday!!

It is very suprising, but I am hardly stressed out. this is just so much money and such a mess that I cant even grasp it, I think. I dont know why am I so calm, maybe the shock is yet to kick in. But I have to make it work otherwise I will be back to the mess. So today I only spent £2 (work food and boots cleanisng pads) and when I went out in the evening to starbucks, I just resisted. Now I am at home and eating potato croquettes (6) and very happy with the amount of food I have eaten. Tomorrow I will only have to spend on lunch (about a pound) because I have fruits and I will have free dinner. Saturday I cant eat until 5pm when the treatment is so in the evening I will only porbably have som elittle fruit because one's not hungry at 8pm (apart from today!!! ) So, you're right, I will eat but I will not have any takeaway coffe. I cant, I just cant. I can't risk having to use my hsbc card or M&S card.

(I am scared to cut it up but they are locked up at home and honestly, I am not even thinking about them) and as for the M&S card - you will laugh, I dont even know the pin code for it! seriously not. Cant even use! (locked up though...)

With Saturday's treatment, I'm afraid I will be nearly maxed out on amex again. £900 from my next month's salary is going to servicing it, then I will have to keep the balance under , say, 700. And this must include the treatments. four of them is 320. The rest is spending money, bills, food and life. Its manageable. It is. I can do that.

the savings - I will try not to touch them at this point. I might have to sacrifice them at some point. I might be unrealistic but thats how I thinkg now. Positivity!!!

Thank you for encouragement!!!

x x x x

slowlyfading

I dont know what this treatment is for, but (hug) keep your chin up Keeping your cards at home will improve your spending no end
Nicola x

deliciosa

Thanks hun - I will try. I have to. Next treatment tomorrow.

Feeling very confident and ready to battle this challenge. Today I won't spend more than £1.35 (but preferably under £1). So excited! On Saturday, I hope I will be able to go home straight after treatment and if so, there is food at home (old potato croquettes, yum, yum) and I wont have to buy anything. Sunday is going to be very easy and I wont need to spend.

Also I have listed the positive things that should keep me going:

1.) Once treatment finished I wont need to spend over £70 a month on medication. It will be just around £30
2.) since my shopping bleep (twice) over the last week, I have all face creams, perfume, makeup etc allll I need, shampoo, conditioner, everything that relates to beauty so I wont have to spend any money on any beauty products for at least two months - big saving
3.) I have two new books and three new diaries, meaning, no more stationery buying - saving.

And I have a lot of clothes and millions of shoes, so basically all I will have to spend on, is presents for the family, food and fun. That is manageable. Really.

Wish me luck….