£23179.10 until my debt free life begins in March 2014

DebtFree2012

Morning all

90p to card

It's better than nothing and 90p less interest they can charge me for.

Things are going well in the GC still. I am aiming for as many no spend days as possible as have less that £10 to see me until Wed.

The PPI information I have to wade through is on my desk which is better than the draw it was in so I shall wade through that where I can.

Might try applying for a 22 month 0% card again this month. It's been a couple of months since I tried and I have closed my loan and Tesco account since I last tried - if I got one that could mean I have all my debt at 0%.

xxx

DebtFree2012

Unsuccessful as expected!

Skint_but_Optimistic

I would give it 6 months before trying again. I think thats what the boffins recommend. xx
But onwards and upwards eh?

DebtFree2012

Morning world

I had a lovely day off with my DD yesterday and it was lovely.

Back to work today and plenty to do - that's a good thing as my day goes quicker.

I feel really unorganised at home atm - I am just SO tired on a night by the time I have the kids in bed, as soon as I sit down I am dropping off. It's making me short tempered and I don't like myself much when I feel like that. I don't suppose other ppl like me much either when I am like that. So I need to figure out how to have a bit more energy on a night.

Tonight I will try to get the things done that are bugging me the most as that should made me feel better at least. Last day at school tomorrow for my DD - last day of her first year in school. Wow - when did that happen.

Right, on the financial front I was doing well until last night when I spent £40 on shoes in the 50% off sale for the kids over the 6 weeks. It's a good deal and they needed them however I will have to take £40 from the next couple of months budgets.

Also I have gone over grocery budget by a few quid - apx £2 so not pleased as I still need w/e and M/T/W foor for next week.

Off to see what I can pay this morning.

xx

DebtFree2012

£4.05 to the card this morning

Kepp

Well done on the payment :T

DebtFree2012

Thx becs xx

Skint_but_Optimistic

well done on the payment, it all helps!

ragstoricheswannabe

Sending big hugs re the moods! totally know how you feel....its a vicious circle, tired, cant be bothered, moody as jobs not done, feel down, which makes you feel more tired, so more jobs get left.......................... im right there with you.
Infact, today i have made myself do some house work in little installments, and already my mind feels better. MTV full blast helps whilst i do it! :rotfl:

Your doing great on the debt front!!

DebtFree2012

Morning world.

I am doing good now. My mood's shifted lol. I am feeling better about things and less stressed even though I have more to do! I have linked it to lady hormones, as things are only getting back to normal on that front 2 years after DS is born.

So I am learning to cope with all of that again and the stressed moods and tension headaches are def related so I guess now I know I can pre empt them?

Anyway on the financial front I have had a bit of a moment in realising that I can take out 950 from the 0% card and use that to repay the part of the balance I am being charged 17% on. Make sense? There's a 4% fee but still less than the 17% I would be charged in interest on the balance.

Make sense?

Does to me...I think....

xxx