Tomorrow is another day - Scarlett's Debt Free Diary

ScarlettOHara_2

Time for a debt update!

Big Barclaycard: £7,846.44
Baby Barclaycard (was Egg): £681.75
Flat Management Fees: £1,125
Overdraft 1: £1,500
Overdraft 2: £500 ([STRIKE]hopefully[/STRIKE] probably wont be a lot less this month)
First Direct Loan: £1,161.12 (due to finish 2012)

Total: £12,814.31
(paid off 2.4% of original total)

ScarlettOHara_2

woohoo expenses are going to hit the bank account tomorrow - only about a fiver but it all helps

Hiddenidenity

Looking good Your doing well

ScarlettOHara_2

On the hook for just under £5 today. Finished work really late so got food on the way home as was starving. Got some music magpie orders finalised today so hopefully should have some cheques soon that can go in the bank

Hiddenidenity

Good morning hope all is well x

ScarlettOHara_2

Good thanks, still on the DFW wagon - £2.40 down today so all going well. Only another two weeks until payday :eek:.

Hope you are well too. Will try and come up with something interesting to say later - am conscious that this diary is turning into supreme boredom :rotfl:

Hiddenidenity

ScarlettOHara wrote: »

Good thanks, still on the DFW wagon - £2.40 down today so all going well. Only another two weeks until payday :eek:.

Hope you are well too. Will try and come up with something interesting to say later - am conscious that this diary is turning into supreme boredom :rotfl:

Better than my diary of rant after rant :rotfl::rotfl:

ScarlettOHara_2

Grrrrrrrrrrrr was having a really good day and then got home to find out first direct have hit me with £100 of bank charges

:(:(:(:(:(:(:(:(:(:(

Really annoyed as I had budgeted what I needed for the rest of the month and it was already looking really tight. I can find a way around it as have a cheque to go into the bank. I wanted that to go off debts though not on bank charges.

£100 for 4 days over the limit :mad::mad::mad::mad::mad: so annoyed with myself. Will do the happy post later when I calm down.

ScarlettOHara_2

Much calmer now, that was the old me letting stupid charges rack up - it wont happen again, thats the positive thing to take.

Rest of the day really good. Got a cheque for my old savings policy through so hopefully can use it to clear a few hundred pounds on the debt. I still have some music magpie cheques to arrive and cash but after that all the easy wins have been done (the first round of budget cuts anyway :rotfl:) so its the long hard grind to DFD after that.

Had better let it sit in the bank for a while though to make sure I dont get any more £25/day bank charges.

ScarlettOHara_2

Am quite tempted to go and update my phone today - I want a fancy one though that will put the bill up so trying to convince myself that I really do want to wait a while

Might distract myself and clean out the kitchen instead and do some baking - will need some supplies but have loads of stuff in the cupboard that could do with using up so going to get on with that. Deperately need to find some new hobbies that dont make my !!! any bigger though :rotfl:

Also need to swing by the council gym for an up to date class timetable to put off effects of said baking above, bank cheque before it burns a hole in my pocket and pick up as little as possible from supermarket. Have a dress to take back so hopefully that will cover the damage.