📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Memoirs of a Sista.......

Options
sistafromanothermista
sistafromanothermista Posts: 2,230 Forumite
Eighth Anniversary 1,000 Posts Combo Breaker Debt-free and Proud!
edited 22 June 2013 at 7:11PM in Debt free diaries
:wave:
Well here i am :) Where to start? from the beginning i guess.
Well my story is not unfamiliar..living beyond means....blah....spend too much on shoes...blah....same old really but 19K :eek::eek: when the blummin hell did that happen?

Let me introduce myself first, i'm sista and contrary to my user name i am not from another mista.
I guess the debt really started around 10-12 years ago when i applied for a laugh (believing i'd get a flat no) for a capital 1 card, however they said yes. Looking back now, bad news for me but fan-blummin-tastic news for them.
I had a fairly modest limit of £850 which was gone in no time on 'emergencies' although i can't remember what these are now......obviously wasn't that much of an emergency.
I then applied for another one 'just to see' and all of a sudden had another £1000 at my disposal! :T i thought.

we are now determined to get this debt cleared as soon as physically possible :beer:

yay me :rotfl:

That's about all for now i think i may have said enough.
DEBT FREE AND PROUD:D
'Better to remain silent and be thought a fool than to speak out and remove all doubt'
«13456750

Comments

  • Rosielady
    Rosielady Posts: 76 Forumite
    will be popping in and keep up with your journey, always here for a chat if needed:)
    2nd purse £50.00
    3rd purse £100.00
    SPC 2013 1905
  • Coco114
    Coco114 Posts: 770 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    :T
    Hey Sista :) well done you !!!!
    Sounds like you have had a pretty bad time Hun - but also that you have bagged yourself a good chap - that's worth it's weight in gold :)

    Am so looking forward to watching your progress & have subscribed :j

    Lots of luck & hugs

    Coco x
    The final chapter - £4893 to go out of £30K
  • Yours will come along when you least expect it Coco :) Have you posted a diary over here?
    DEBT FREE AND PROUD:D
    'Better to remain silent and be thought a fool than to speak out and remove all doubt'
  • Coco114
    Coco114 Posts: 770 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Well let's hope so huh ? I am thinking about 'nice man' more than I should :)

    No I haven't posted a diary here - tbh I would feel like a bit of a fraud at the moment ... I am unable to start clearing my debt at the mo - maybe once i am out of here !

    In the meantime - I will enjoy & look forward to reading yours :)

    Coco x
    The final chapter - £4893 to go out of £30K
  • kittycat65
    kittycat65 Posts: 49 Forumite
    Hi sista

    Thanks for sharing what is some really personal stuff. So glad you bagged yourself a prince too. You deserve to be treated like a princess! You're really inspirational, so I have subscribed too and look forward to following your diary.

    K xx
    LBM - 18/5/12
  • Hey Sista, happy new diary!!

    Sorry to hear you have been through the mill :(, but well done for winning the battle with the booze :T and I've got everything crossed things keep going in the right direction from now on for you.

    PLMBL Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    Look forward to reading x Good Luck you def deserve happiness :D

    *Subscribes*
  • LunaLady
    LunaLady Posts: 1,625 Forumite
    Just wanted to wish you good luck on your journey :smiley:
    SPC #1813
    Addicted to collecting Nectar Points!! :D
  • Thanks for subscribing to my new diary, I've now returned the favour. :) Good luck on your DF journey and keep a tight hold on that man of yours, the good ones really are worth their weight in gold. :D
    Kayleigh
  • Thanks everyone :o
    Diary update for today.....
    This counting every penny lark is a bit boring isn't it? i find myself keeping a more than eager eye on the bag of coins in the drawer and quizzing DH if he so much as goes within a foot of it :o
    I mentioned to him last night about him giving up smoking :eek: no way jose was the answer i got , mind you it is his only little joy (although that joy may kill him one day) ah well there's no telling him.

    Smallest DS sold some games on the bay of flea a few months back and made £80 :eek: obviously it went straight from paypal and into my bank account and the intention was to withdraw the cash to give to him........i've spent it :o i know, i know i am a really bad mother as now he keeps asking for it:o so a dip into savings tomorrow....

    Went shopping on friday (haven't been food shopping for about 7yrs:eek:) i couldn't believe how much bread is! lol. Told DH we need to invest in a bread maker as i'm sure i could make it cheaper. However i am NO Delia smith and my only speciality is omlette :o i even had to ask DH how long i needed to boil peas for...... but i'm sure using a bread maker is easy...right?
    I did pick up rice pudding for 12p a tin :eek: my kids will eat anything so i'm sure it'll be fine. got some jam to go in it too which was reduced to clear. £63 spent so really pleased with that.
    I even had a look in the reduced bit, now i'm not a snob but before i was a DFW i sort of frowned at people 'rummaging' through the clearance :o and would never contemplate it. Now..:D i'm the first one there.

    I don't eat during the day (only have my main meal in the evening) so this keeps our bill down somewhat, plus the kids have school dinners (apparently it's not 'cool' to take packed lunches!) However i can't see how some people can do a weeks food shopping for £60 as our bill doesn't include any meat (we buy wholesale once every 8 weeks and spend around £100)
    Dh batch cooks and everything is from scratch, no sauces out of a jar. It amazes me and i'd love to see their reciept...
    Anyways, that's me, god i do go on........
    DEBT FREE AND PROUD:D
    'Better to remain silent and be thought a fool than to speak out and remove all doubt'
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.