Scaredy Cat's scary debt!! -debt diary

scaredy_cat_2

thanks Pigpen - i just feel a bit well very stupid!! i will certainly share that lottery ticket - thanks for the vibes

also i am feeling a bit pants today - after dd1 when she was a year old i admited to postnatal depression - and then i gave up work. Have started doing same job in same place but only odd days and have started feeling v anxious and sick again - and crying lots!! so today rang and said not doing those days so feel relieved but bad about that as for 3 days it was £300 but i was due to work the end of next week and i am already feeling sick about it!:o

£800+ on a utility bill :eek: are you sure they got it right?

pigpen

oh yes the bill was definitely right!!

too right you should quit the job if it making you ill, no amount of money is worth compromising your health, mental or physical!! (((hugs)))

scaredy_cat_2

thank you - you are lovely (((hugs))) to you too

scaredy_cat_2

well yesterday my water bill came and it was an actual reading and i was £163 in CREDIT - i was so pleased and even rang up straight away to get the refund and reduced my payment each month by £20 - so that will take about 2 wks to come and then will pay off some of a credit card.

i am going to pay £150 off next card today - i can't clear it yet as i have some refunds for stuff they haven't credited that i returned 2nd jan - when they have done that i am then going to ask for my interest to be refunded because it might not be much but 2 months interest of 27% on £66 is better in my pocket thank you! and when that is sorted i will clear about £20 ish left and close the account

also had the meeting here again last night so another £10 added to that pot when i get it - the next course will have the first 4 weeks at £20 a week as it will be 2 nights so that will end up being possibly £130 as well as this £90!!

i think for the first time i can see that we are really reducing this its good especially after my setback with the calculations

angchris

well done scaredy cat :T :T you seem to have the right positive attitude towards dealing with your debt and are now looking long term from a daily perspective. the old saying "pennies make pounds" is so true, every little cutback you can make in your daily life really is noticable after a while and brings you ever closer to being debt free. keep up the good work

pigpen

Yeah.. just what you needed.. I love refunds!!!

I worked out only £5555 of our total debt is mine.. the rest is his.. that makes me feel so much better!!

Keep up the fabulous work!

scaredy_cat_2

pigpen wrote: »

Keep up the fabulous work!

hmm haven't been so fabulous lately - feel like march whizzed by without me having control over money although spending habits are definitely changed - i even went shopping and couldn't bring myself to buy stuff for myself!! But i am really cross that i have let paperwork slip - so i am off to spend hour or so sorting it out!! and to sort out!!!

pigpen

scaredy_cat wrote: »

spending habits are definitely changed - i even went shopping and couldn't bring myself to buy stuff for myself!! But i am really cross that i have let paperwork slip - so i am off to spend hour or so sorting it out!! and to sort out!!!

The fact spending habits ahve changed is the biggy!! That is great, you could easily have let slip back on the spendy slope but you didn't.. therefore it is fabulous work!!

Well.. you deserve the odd treat too so don't neglect yourself at the cost of a couple of quid!!

Glad to see you back anyway.. I missed you if noone else did!

XxXxXxX

scaredy_cat_2

well its been far too long since i have written here, a few family issues and any more excuses i could find could be blamed but actually just not made time.

however, as above, spending habits have changed. today i have updated my snowball, and this week have cleared next and CLOSED it :j if i want something now i go into store and order it from the directory. so am really chuffed about that as the interest rate is so high.

i am going to update my signature in a mo - it is now under £15,000 :j (although doesn't include student loan or mortgage ) but i am delighted with it. I have just realised what a motivator the snowballer is - although my debt free date is only reduced by 3 months as 2 of the debts are loans but i will make sure i save the money as each debt is reduced so i can pay the loan in a block.

anyway, off to update signature and spend an hour upstairs sorting some paperwork bits - reckon i can find some more savings from somewhere!!

oh the other thing i did was go to a wedding - i had been worried i would have to buy a whole new outfit as i didn't really have anything - but a friend of mine has a great attitude - what can i borrow so i don't spend anything - i only bought a top - reduced by £15 so under £20, a pair of shoes - newlook £18, and a necklace for £7. i borrowed trousers and a bag. so was pleased but also those 3 things will be used for a hen weekend i have coming up soon. My friend had the right attitude and i liked seeing how little i could spend!!

scaredy_cat_2

i did sort out some more paperwork yesterday but what i realised is i am not really budgeting more like recording what i am spending.

i am budgeting for food - have been a little bit spendy this month but still have £95 of budget left to last til 25th of may. This month we are running at £400 o/d so far, but that includes £140 spent on car - so that has come out of this month - but not budgeted for. I have also paid out on a lot of fuel that i will get back for expenses - will do that today. i also have a home allowance to claim on that for meetings held here which should be just about £140.

but my next job this week is to go back to martins budget that i completed, and also my direct debits/bills and sort out a proper budget rather than just writing down what i spend.