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Time to change my life

deep_in
deep_in Posts: 247 Forumite
in Debt free diaries
A bit about me I suffer from bi polar type ii and to be fair I can't completly blame it but when I am high I do stupid things. 2011 I have gambled my way through the year and had some highs (£8000 in the bank) and lows like now lost the lot and back in debt. So it is time to change all that. I haven't got the biggest debts in the world I owe the following £1326 to mum, £428 to the rent, £98 to child care, and a £2000 over draft which I need to pay off. I know its the wrong order but due to personal issues I have got to pay my mum off asap she needs the money back so I have set up a budget, oh and to stick a spanner in the works I have got to get a new washing machine as mine now has its door hanging off and is completly broke. I have used budget calandar and worked it all out as I can't cope with long lista but can cope if its just on a daily basis that I have to look. I do have some positives, my freezer is fit to bursting with meat and veg (another issue I hord food) so I am going to start menu planning too. My diary isn't going to be the most exciting just me rambling about whats in my head but hopefully I will get there.
water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£220
«134567

Comments

  • deep_in
    deep_in Posts: 247 Forumite
    edited 26 January 2012 at 10:11PM
    This is for debt count down and my challanges for each month:
    January Grocery Challange £100/£89.56

    Debt List:
    Mum - £1526 - £1376 left
    Rent - £438
    [STRIKE]Child Care - £98[/STRIKE] paid
    Over Draft - £2000
    water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
    £6,402
    Second purse #64 £2.30/£220
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hi Deep,

    Welcome to the boards :)

    Look forward to reading how you get on. x
  • deep_in
    deep_in Posts: 247 Forumite
    Had a NSD today well not entirely but didn't spend my money just took dd to spend her christmas money nothing I can do about my debts until tomorrow when I get paid so looking forward to debt busting. Making some skittles vodka for new year to take to my friends as I already have the ingredients in so that will be a cheap gift for me.
    water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
    £6,402
    Second purse #64 £2.30/£220
  • deep_in
    deep_in Posts: 247 Forumite
    edited 28 December 2011 at 3:48PM
    Today has been a good day I have made a tonne of caraway muffins with my new muffin maker that my mum bought, built my new shoe cupboard also bought by my mum. List for tomorrow
    • [STRIKE]Take back dd's school boots and get exchanged after the soles have fallen off
    • Order my new washing machine, after checking for the best price :money:Tidy the house and a trip to the tip to get rid of christmas boxes etc
    • Meal plan ready for the 3rd when I plan to buy my food shouldn't need to much just milk and fresh fruit
    • Bake a loaf of bread now I have found the paddle for my bread maker.[/STRIKE]
    A bit of a to do list but will get there I also need to sort out what can go on ebay. New positive year and a new attitude needed towards money.
    water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
    £6,402
    Second purse #64 £2.30/£220
  • deep_in
    deep_in Posts: 247 Forumite
    Done my list for the day and been shopping only needed a few bits so spent £6.51 in total but that should see me through until a week on tuesday now.
    water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
    £6,402
    Second purse #64 £2.30/£220
  • deep_in
    deep_in Posts: 247 Forumite
    Listed all my stuff on ebay 7 in total if they just sell for the minium will be looking at £51.99 extra so fingers crossed
    water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
    £6,402
    Second purse #64 £2.30/£220
  • deep_in
    deep_in Posts: 247 Forumite
    This ebay this is addictive keep looking to see if I have bids I do have 2 watchers on some shoes so hopefully one of them will buy them I have also been hunting for other stuff to sell but can only list 3 more this month but I will get thise items found and hopefully sold lol
    I do have an old portable might put that on at 99p start and collection only and see if I get any bids you never know. Well not done a thing on the debt busting yet as I had to get a new washing machine but I have planned to make my first payment on the 23rd or when the ebay money comes in which ever happens first.

    Banned from all my usual gambling places now for 5 years and have become addicted to bingoport and playand win instead lol thinking I have an addicted personality but at least they are free I shouted earlier when I won on bingo port and dd thought I had won the lottery lol until I told her I had won 900 points she looked at me very annoyed and said oh right very good and went back upstairs :rotfl:small things and all that well on with the housework I wish it would stop raining
    water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
    £6,402
    Second purse #64 £2.30/£220
  • Sessie
    Sessie Posts: 364 Forumite
    Part of the Furniture Combo Breaker
    Hi and welcome to the Board!

    You'll find a lot of help and support here, I know I have (we have similar thread titles too!).

    Good luck!

    x
    Sealed Pot 5 number 1544
  • deep_in
    deep_in Posts: 247 Forumite
    Completely fell off the wagon yet again why oh why do I have to be such an idiot gambled again I am now skint completely and had to pawn my jewellery to get to work next week I just can't seem to get sorted right GA next tuesday night and need to get some serious help stupid stupid me but here we go try again and think of dd and not just me off to cry and my stupidness
    water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
    £6,402
    Second purse #64 £2.30/£220
  • deep_in
    deep_in Posts: 247 Forumite
    Took some advice from a very nice man who runs GA and now ordered new bank cards and had them sent to my mums so I haven't got the numbers anymore, she is now going to give me a set amount of cash each week and wants receipts I am only getting £25 a week for petrol and she's going to come food shopping each week with me so we can car share (a bit more money saved). One item on ebay has sold so getting £15 soon at least it's a start. Still feeling guilty though but now really trying to be a better person and not gamble so this is day one of no gambling and the start of my new life
    water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
    £6,402
    Second purse #64 £2.30/£220
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