A Fresh Start

CashStrappedPrincess

Hi everybody,

This is my second DFD. My first died a horrible lonely death around a year ago with a total of three posts.

I read back on that post and realise how much of a complete idiot I was. I thought I was ready to deal with my debts and get rid of them but in fact the year ahead wouldn't change anything in a positive way. But today is a new start ...

I already have my plan of action in place but hopefully this diary will help me stick to it. I have just managed to secure a couple of 0% BT cards so now all my CC debt is interest free. Not a big thing but for me this feels like a huge achievement.

Debts
Natwest CC £1714.42
Halifax CC £1297.01
Overdraft £ 800.00
Tesco Loan £4995.00
Braces £1400.00
TOTAL £10206.43:eek:

My first plan of action is to clear the overdraft its costing me aroung £30 per month, then the credit cards after that then make extra payments on braces and loan after that.

Also hoping that I can learn to be a bit more frugal which will put me in good stead for saving for a house deposit and subsequently running a house.

I have set a date for Debt Freedom ... Xmas 2013:T

Enchanted21

Oooooooo, good luck CashStrappedPrincess. Welcome back to the diaries :-)

Sometimes, the best thing to do is to start a fresh. As Scarlett O'Hara said "Tomorrow is another day" ....... I say that often to myself :-)

Looking forward to hearing your updates.

Enchanted X

CashStrappedPrincess

Thanks Enchanted. Its going to be a long ride but I'm sure I can get there.

I love that quote too, may have to steal it for my signature

CSP x

Enchanted21

Thought I would post again, at least this diary will have more posts this way :-)

It's a huge realisation when the bulb goes off and a bit of a panic, but you can do this!

I just quickly read your other diary and it's sounds just like me :-). I'm a bit of a pampered princess too. Hubby would give me anything I ask for, so I have to reign it in. We have such a lovely life together, that it would be a shame to spoil it all, just because we like to treat ourselves more than we should :-)

Take care, will be reading with interest the new chapter of your life.

Enchanted X

Crystalclear_2

Just thought I would pop in and say good luck, see you have more posts already. :j
I started my diary a few days ago and a couple of people have posted but I just keep whittering on to myself:cool:

I find it helpful to get my thoughts down, so don't give up and keep posting, at least you've made the first step.

Best wishes Crystal x

never_too_old

Morning
good luck with your journey,im going to subscribe to offer a bit of support:)

Crystalclear_2

Good Morning,

Hope you have a great debt busting day. I am off to the charity shops so it is money saving really:T I keep telling my DH how much money I save him and what a lucky man he is;)

Off to weigh in I will post my results later Crystal x

CashStrappedPrincess

Morning all,

At work today and off to my OHs later and he's poor too so hoping for a NSD!

I need to go charity shop shopping Crystal I will be able to get my fix and not spend much Also decided to start a collection on second hand brooches so when I eventully get married I can make a lovely brooch bouqet. I love having a project.

Thanks Never too old I need as much support as I can get.

Hope you all have a good day! CSP x

Crystalclear_2

Hi CSP,

Had a fab day charity shopping. I am addicted, it's amazing what you can buy. I got a lovely pair of Per Una Jeans (size 14 !) and a Gilet, very on trend, it's been great for me losing weight, it would have cost me a fortune with losing weight otherwise. 3.5 off yesterday so 16 pounds altogether:D

Anyway have a happy sunny day Crystal x

CashStrappedPrincess

Well I didn't quite manage a NSD yesterday someone came round with a collection at work so I ended up £1 lighter

Got my first night out since my new DFD, it should be a cheap one. Off to the cinema with my best friend. I've got an unlimited card which is honestly a real bargain for me. £14.99 a month and we go at least once a week. Going to raid the goodie cupboard at home for some munchies to take then its back to hers for a pizza done in the oven (the £2 veggie one from Morrisons - Yummy!) and a bottle of wine out of my birthday stock

Hope you all have a good and hopefully NSD

CashStrappedPrincess

Aww Crystal thats fantastic! Well done

Going to do a bit of charity shop shopping tomorrow I think. My Mum has done it for ages and always asking me to go with her so maybe we could have some Mum & Daughter bonding in the local Charity shops.

Hope the weather stays lovely for you all today, CSP xx