The "I WILL be debt free" diary...

ladymay

Got paid by one job, still waiting for some expenses though :mad:

Thanks Hovel Lady - starting to feel much better :jI'm not good at being ill ha!

Was planning a NSD today but had to get the shopping done because I have so much work on for the rest of the week, and I didn't want to run out of food and have to buy lunch and dinner on the run. Mr T has 3 for 2 on all face and body cream so did a bit of a stock up. Got some lovely whoopsies - melon (already eaten ), cherry toms and some sausages reduced to 38p yay!

Long day tomorrow - got an 8-7 working day, followed by a work meeting. Luckily my bosses are bringing wine and nibbles so should be lovely! And I have Friday morning off :j

Had a really tough chat with the mothership earlier - dad's said he doesn't love her any more and has feelings for someone else. She moved out recently, at least partly to make him see sense over his drinking. She's really upset, and I'm so angry with him. I'm going to head back home in the first week of June to see both of them. I don't really know what to make of it. I need some chocolate - and I already had two bars today!! Also don't have any chocolate in the house, hot choc will have to do!!

Trying to not get down might not get much sleep tonight though.

ladymay

Morning!

Woken up today after a lie in - with a headache is there a scientific reason I always get a headache when I have a lie in, or is it some weird sort of guilt thing??

Don't have work til 4pm today so going to be lazy for another hour or so, then on to my to-do list:

• pay my friend's invoice (girl who video'd the gig the other week)
• Sort out budget - I have a lot of spendy things to do in the next couple of months (buy new trainers, go to dentist etc), and I also have to save some money ready for when I fiiiinally get on a cruise ship and for my tax return
• blitz room - it's so messy!!!
• start sorting receipts for tax return
• practice songs for Tuesday audition
• learn songs for big audition on the 24th
• stop putting off my workout

So, in true procrastinator fashion, I'm going to make a cuppa :rotfl:

ladymay

Hiya,

So - the money is getting sorted :j MBNA CC is paid, including last month's late payment. And the joint account is now at 0.00 which feels lovely, although it annoys me every time I see it on my online banking!!

Now I'm out of the scary, imminent-danger woods and back into the normal DFW woods, I need to make sure I don't start spending for no reason again. I can already feel myself being drawn to things I don't really need and going into shops to just have a mooch. That was always my downfall before so I'm going to avoid the shops in town for a bit.

One thing I did buy that I didn't really need but I can sort-of justify is afternoon tea for my grandma and I in a fancy pants hotel on the one of the discount voucher sites. It was reduced from £60 to £19, and she's heading into hospital soon for another op, and we both LOVE afternoon tea in my defence I resisted the urge to get the £14 cocktail voucher that was tempting me :A

I've been thinking about the plan of action over the next couple of months. I really need to do a few things that I've been putting off like getting my eyes tested (I know they've gotten worse) and going to the dentist, and I really need to get some money in my savings account ready for if/when I head off to work on a ship. Luckily work is busy atm and I'm averaging £1400 a month instead of the £1160 I was earning before, so saving shouldn't be a problem. At the end of this month I'm going to do a new SOA so I can clearly see what I still need to work on, and I need to remember all my earnings are before tax so I still need to save for my Tax return

Money_mayhem

Hi ladymay :hello:

I just wanted to wish you good luck on your debt busting journey.

Money

meow5678

Just caught up on your diary - you've made so much progress, well done!
I am subscribing...

ladymay

Thank Money Mayhem and Meow5678!

Had a bit of a spendy day yesterday NSD weekend needed! Pizza was lovely, had a great date night and my friend's band was AMAZING!!

Got a bit of a wine fog today... time to do some work and go for a walk!

ladymay

Woken up this morning with a delightfully burgeoning case of pharyngitis :mad: I say woken up - I couldn't really swallow last night so didn't actually get much sleep to wake up from!! I've got a big audition on Thursday so need to get better, lemon and honey is on the go, but I really need to stop putting off the salt water gargle...

NSD yesterday :j aiming for another today. Got a couple of big spendy things coming for for people's birthdays so for the rest of the month I need to be super careful, but even with the big entertainment budget this month £200 has gone into the savings account, and any extra left over after I get my next invoice paid will be going on the HSBC CC and paying off the last of the Halifax CC. Also managed to pay my friend the £30 I owe her.

I CANNOT spend the next 15 years in debt - December 2027 is my DFD right now... I'd like to buy a house one day!!! So - the last black mark on my credit rating went on last month (I missed a CC payment to get rid of the joint O/D), that black mark will last 6 years and in those six years I want to have cleared my debt.

I obviously wasn't ready to be a mother and have children at the beginning of the year - I'm a big believer in fate and everything happening for a reason - but when I am ready, I will NOT have this hanging over me. I've had enough of my debt controlling every decision I make in my life.

ladymay

Hello,

Haven't been on here in a while, life has been very busy!

Money is still scary, but I'm not feeling as panicky as I was. I'm going to put up an updated SOA on here tomorrow so I can see what's going well and not so well. I'm pretty sure once I've totted everything up it'll say I'm earning more :j but spending more on entertaining myself :mad:

I really need to get home in the summer holidays. Dad's started seeing another woman and my mum's in bits. I told Dad three weeks ago to call me one day when he wasn't in the pub and he hasn't. I'm so angry with him I want to scream at him. He's taken no interest in my life since I moved to London, the only time he's ever come to see me was for my graduation, he never calls my grandma or aunty, and now he does this to my mum. I know it sounds extreme and very teenager-ish, but right now I'm really not sure I want to see him again. I don't know if that's the right or wrong way to feel. I know nobody's perfect, and I've definitely had my fallings out with mum in the past, but she doesn't deserve this. I'm so appalled by his behaviour, and I'm so sad because he's not the dad I remember and he's not the man I thought he was.

So I've been feeling all emotional today, then the BF posts this on his wall:

http://thechive.com/2012/05/26/choreographing-a-lip-dub-marriage-proposal-with-everyone-you-know-takes-guts-video/

and now I'm a snotty mess. Where's the chocolate...?

scubaangel

*needs to dust her house since she cannot be blubbing at the video*

Glad things are still going ok financially, even if your Dad is being a complete !!!!. Families can make life so difficult can't they! Mine keep telling me that dumping the boy is a bad idea and it can be sorted out when he gets home - apparently they forget that I think about everything far too much before I make any big decisions.

ladymay

Thanks, Scuba. BTW I've subscribed to your diary and have just signed up with a dozen Mystery Shopper sites - you inspired me!

I'm just so angry with him. Had another upset phone call from mum, Dad and his new lady friend spent the weekend together, and Mum walked into our local back at home to see them canoodling, and she now has bruises from where Dad held her as she tried to rip out this woman's throat. It all sounds a bit Eastenders!! Actually, think Eastenders but with a broad Devonian accent...

Joking aside, the way he's behaved is utterly disgusting. Mum's told him to call me but he hasnt, although I'm not surprised - when I lost the baby he didn't call to see how I was - and my brother is being just as useless.

Any wonder I'm beginning to have issues with trusting men???