Debt-free wannabe newbie checking in for advice

OldStreetBum

Yeah defo! Going to use some of it just to cover my birthday picnic in late June and the rest will roll over to next month so I can blitz some more PDLS!

By the way you guys have been absolutely fantastic so thanks very much for all the help so far!

jamesd

It's our pleasure to help. It's good to see people doing what it takes to get things back on track. You're the one doing the hard work, though.

tealady

Hi
Well done you for tackling things so promptly. You may want to look at things such as your gas and electricity use to see if you can get these down further. There are loads of ideas on this site and if you are lucky you may be able to wing a cashback deal if you swap providers.

OldStreetBum

The wheels it seems are already in motion. My pay has come in (its officially coming in on the 28th) and WageDay Advance thankfully have honoured their side of the bargain and taken out what they said they would to the penny. So I'm pleased to say I can change my sig for the better.

Hey TeaLady and thanks for the advice, I'm moving verrry soon so will definitely take a look into seeing if I can get a cashback deal of some kind in the new cheaper place

Theatregal83

well done the first of many more nice feelings when you know your debt is coming down.

Takeaway_Addict

The main problem I see is the reasons for taking the PDL because your costs are low compared to income so should have plenty of spare cash.

Would I be anywhere near if I guessed gambling?

ellesbellesxxx

Well done for sorting this out... was going to suggest quidco for cash back deals when u move, switch gas elec etc

OldStreetBum

Takeaway_Addict wrote: »

The main problem I see is the reasons for taking the PDL because your costs are low compared to income so should have plenty of spare cash.

Would I be anywhere near if I guessed gambling?

Its not gambling just plain old !!!!less spending that got me into the PDL mess. Without the PDLs everything should be perfectly fine but my finances were in such a mess that I didn't have a clue what I was spending.

To quote Terry Tibbs, I should have just taken all my money and thrown it against the wall!

Takeaway_Addict

OldStreetBum wrote: »

Its not gambling just plain old !!!!less spending that got me into the PDL mess. Without the PDLs everything should be perfectly fine but my finances were in such a mess that I didn't have a clue what I was spending.

To quote Terry Tibbs, I should have just taken all my money and thrown it against the wall!

lol well thats a bonus, I only ask from experience that when people get PDLs and alot of them there is a high chance its gambling.

Ah well, you have a good excess of cash to deal with this so good luck in changing habits

OldStreetBum

Yeah this is all about changing habits which arguably have got me in this mess big time.

I decided to use some of my skills in IT to do some moonlighting offering PC repair and basic computer/internet training in my spare time to earn a little extra dough.

Also....the moment of truth has arrived: It is payday! And so far apart from Uncle Buck (who have simply taken the full amount anyway) everyone is behaving themselves and I have amended my signature accordingly. Swiftsterling I have decided to just pay off as it was too late to do much about and I can afford to get that monkey off my back.

The tax rebate (when it arrives this month) is the game changer I'm looking for but I'll be a lot more confident if I can get through to the end of this month without a major cockup