A Yorkshire Lass's debt diary

savvykaz

Good Afternoon everyone :hello:

Well today is the first day of spring and what a glorious day it's been here in Leeds. It's freezing cold but beautiful sunshine and blue skies.

I wasn't going to start my diary just yet but I thought there was a good connection between spring coming and my need to 'spring clean' my debts.

I did start a spending diary in January and had such good intentions of keeping it up to date, but unfortunately by early February I couldn't be bothered writing in it every day As I visit this site each day I thought maybe if I start a diary here, I will be more inclined to keep it going. I know there are loads of diaries on this site and if no-one wants to read mine then ok, but I think for me psychologically, this is the best thing I could do.

Today I have been to Sainsbury's for my weekly shop and I have spent £37. I am a more canny shopper now (since discovering MSE) but I still spend a bit too much on 'luxuries' which I feel we deserve and this is where I need to keep track.

If anyone wants to read my diary then please feel very welcome. I will post on here every day and look forward to sharing my experiences with you all.

wilky371

Yorkslass - welcome & people do read the diaries, I'm finding MSE website to become v addictive.

You mention in your signature bank charges 2253, has this already been awarded, if so well done.

savvykaz

Hi wilky and thanks for reading.

As for the bank charges, yes the Nat West repaid £2,253 of unlawful charges from our account. I started the ball rolling last August and it got to the online court stage awaiting a court date in Leeds. All along the Nat West maintained the charges were fair and legal but on November 5th I received full settlement of my claim. We have since 'parted company' from the Nat West after more than 20 years of banking with them and moved to A&L.

wilky371

Well done with the bank, i'm just at the start of mine with Lloyds, £2.5k they owe on my personal & £1k on my old business account.

Your debt is around the same as mine is currently, but I dont have any excess cash to start paying them off, have just wrote to my creditors offering a token £1 pm until I can get more income in.

Considered IVA - no go as too much equity in my house
Considered BR - no go as I dont want to loose my house
Considered Payplan - no go as they say I have no spare cash
Considered going to Africa to live in the jungle - but they'd find me there
Considered doing a plasters course to gain extra income - but the course is £100 quid & then I'd need the tools.
Dont know what else to consider !

gingeremmie

I will be reading with interest as I am also in Leeds

savvykaz

Hi ginger and welcome :hello:

This site is FANTASTIC and a great source of info and advice. Also, all the people (well with the odd exception) are so friendly and helpful - in time, it's as though you've been friends for ages

savvykaz

Evening everyone - it's very late and I am off to bed in a mo' but thought I'd just update.

Have been out tonight for a meal with friends and managed to only spend £15. I also spent £3.30 on 3 birthday cards today and £3.60 on some Zantac tablets as I felt lousy this afternoon! and without them I wouldn't have gone out tonight.
Had a lovely meal at a local Italian and it was good to catch up with my friend who now lives in Portugal.
Anyway I am knackered so am going to bed now - goodnight everyone

moozie_2

Hey Kaz

I will be reading with interest too as it's YOU!

You are doing GREAT - keep going! Hope you had a good rest after your enjoyable evening, your tummy feels better and Friday flies by for you

Look forward to the next update.

savvykaz

Hey moozie what a lovely message - you made me feel all gooey:grinheart

I had a lovely meal last night and told DD (13) that I should be home for about 9:30pm and would pop into her room and give her a kiss. As it happens, we were sooo busy talking I didn't get home until 11:10pm!!! and both DD and DH were both tucked up in bed fast asleep.
Unfortunately my tummy hasn't been any better today and I have hardly eaten anything. I'm not feeling hungry though, more nauseous and feel very bloated. Hope it's just a bug or a reaction to something I've eaten and nothing more serious :rolleyes:

Anyway we women are made of strong stuff, so on I go Today I haven't spent anything other than £43!!!! on food from Sainsbury's and that's because DH came with me!!! We always spend more when he's there so I usually go on my own.

Well guys I'm off for a bath now, working all weekend and could do with an early-ish night, so goodnight god bless 'friends' all have a good weekend.

Kaz xxx

dawnybabes

Good luck

For ref - you can buy zantac (or the equilivilant) tablets at Home Bargains for 89p or poundland ....

Dawn

savvykaz

Well today has been really busy at work - mid-season sale and it seemed everyone was out clothes shopping today.
DH had ordered pizza & burger take away so that cost us £13.50 and I spent £1 on some cards and 2 pressies for a party DD is going to tomorrow (refunded an item I bought last week as well).
DD and DH are about to watch 'Derailed' on sky and I'm settling down to watch Eastenders which I taped on Thurs and Fri, then I'm off to bed as am at work tomorrow and losing the hour tonight will throw me

Enjoy the rest of the weekend peeps,

Kaz xx