My debt free diary.

cwal

Hi Hannah, :wave:
Just wanted to say I think you're doing really well, I've enjoyed reading your posts and they have been a real inspiration to me to try and sort out my debts - am trying to sell stuff on ebay and done a car boot etc - every bit helps!
If you don't mind I think I'll subscribe to the post as I'm hoping it will help keep me on track to!!
Good luck with cutting down the smoking - sounds like you are doing really well so far

hannahroberts1985

:wave: Hi Cwal it's good to know i'm not just talking to myelf on here all the time.

No hangover today :j and came back with £15 :T. There is a night out planned with the girls thats leaving and some friends tonight. Not sure if i'll go yet but if I do a friend has agreed to stay in and drink then go out late with me to make it cheap.

My HSBC CC interest came out today So will update my status in a min.

Smoked lots last night :mad: Haven't had one yet today :j Will only have 3 if I don't go out :j

xx

Sharon87

Sounds like you're at least having fun without spending too much money. And keep up with the good work of reducing smoking. I know people who only smoke when they drink, you're bound to do it more when you drink, just like people overeat when they're drunk.

hannahroberts1985

:wave: Morning,

Didn't go out last night in the end. Did spend my £15 left from monday on takeaway with BF though. Only 3 cigarrets again yesterday :j may stick at this for another week then drop it down to 2. Booked the hotel for birmingham yesterday £50 for a Jury Inn not bad. So I have £25 left from the £50 bonus money I put aside. Will use the to do something nice on our anniversary.

no real plans today yet. BF is still snoozing so i'm catching up on some rubbish tv. Think his i pad will turn up today so I think he'll be busy playing with that. May try motivate myself to iron uniform for the week.

£50 left of my entertainment budget. I have a night out next tue should only need £30 for this so £20 unplanned money going to try not spent this and treat myself to some flat black shoes as I havent had a pair for ages. Still haven't needed to put petrol in so have my £20 for this will put it all in when needed though so I'll have some spare petrol. and £15 food budget left I could prob last with out this but may pick up a few bits and bobs one day.

I'm happy I still have money as by now i'm usually (as you know) counting down the days till payday.

I am getting a bit worried about Christmas :eek: I follow santa on twitter and keep getting updates. 111 sleeps :eek: Normally I get excited about christmas. I need to start saving money for this. I have 6 pay days left. Will come up with a plan.

xx

hannahroberts1985

:wave:

Not much to report today. Made cake and hot dogs with BF yesterday need to give hime £10 towards to shop we did in asda. Popped to sainsburys after work for more bread rolls to finish off hot dogs tonight.

3 cigaretts yesterday :j and so far only 2 today :j I've decided that after my days off next week so as of friday I will cut down to 2 a day :eek:.

Feeling blugh today a mixture and anger & frustration which has made the cut down of smoking hard :eek: Luckly the people I was working with today we're mainly friends and put up with my grumpyness.

Right waiting for BF to get home for round 2 of hot dogs. Fingers crossed tomorrow is a better day. xx

mrsmccat

Hi Hannah,
I have been reading your updates and had to tell you that I think you are doing a great job. It's people like you that are keeping me motivated to watch what I spend on a day to day basis and stop frittering away my hard(ish!) earned salary.
I know it is difficult when your financial situation is different to your partners and especially if they don't know the full details. For what it's worth, it sounds as if you are dealing with it brilliantly, it would be so easy to compromise your eventual goal to be debt free in order to have a quiet life! ;-)
You can keep reminding yourself that you are going through a little period of being restrained in order that you can give yourself a much nicer life in the future.
Congratulations on the cutting down smoking. I gave up completely (after a dedicated 15 year 25 a day habit - bleugh) about 3 and a half years ago and it isn't easy. You are clearly very dedicated and disciplined and you should be really proud of yourself.
:-)
Good luck on your DFW journey and thanks for the motivation.

pantherchick

Hi Hannah. thought i would drop by and see how your doing, you seem very in control and happy, considering everything. keep doing what you are doing, yes every little helps. you say your bf understands your situation can he not help you in ways that you can both enjoy spare time together that doesnt have to envolve spending alot of money, what about making a nice romantic meal and a good old movie and pop corn than £40 to spend going out. i know in the long run its £4o saved to spend off the debt than just another night out. i often google free or cheap things to do. in the area than spend money un necessary. just a thought. I have started to buy something cheap to sell on, its working, sell that item and buy another, its easy, dont take much setting up and reap rewards, even if you make 25 to 50% its something. all adds up to a monthly total. try it and see. you could always get some girl friends around and swap a few un wanted clothes. ask them to bring a item to raffle too! and a bottle if you want a good night speak soon babes, have a good week. xxx

hannahroberts1985

:wave: Morning,

Thanks for the support guys really helps. BF is really good and we do watch a lot of films etc together. Just need to get used to not popping out and spending money in supermarkets. Aiming for a 3 cigarette day today my boss is in and he's always how shall I put this....challenging :rotfl: I will only be more annoyed if I smoke more because of him thought.

Should be a NSD today.

xxxx

P.S I WANT TO BUY CLOTHES LOTS OF THEM AGHHHH :eek::eek::eek: thank god I changed the pin's on the CC's!

hannahroberts1985

NSD again today :j

Feeling blughhh again! PMS + cutting down in smoking = grumpy Hannah. Oh well this should be the hardest month then it will get easier and I will have more money :j I usually spend £30 of my entertainment money of tobacco so this will be spare to have fun with. May need to join a gym thought as I have eaten a lottttt of chocolate the last week :EasterBun can't seem to stop myself. There is no more left in the house now thought! May start eating the kittens sweets soon:rotfl:.

Can't think of anything else to babble about so will go. xxx

Sammie_03

Hi

You seem to be doing really well and well done for staying focused!!
I gave up smoking just over a year ago and it was bl@@dy hard but not impossible!!
Keep up the good work!!
Xx