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Enjoying the journey to becoming debt free - paying back the credit cards

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Comments

  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    NSD 6 today and a rather fabulous 4 in a row! Certainly going well this week and tomorrow will be another one too all being well.

    Well it was quite a good day today as I had an appt with a careers advisor and it went really well. I'm hoping it helps me focus on a new career which I expect it will and also help me sell myself better than I feel I do now. It has certainly re-energised me and made me feel I can find a way out of where I am now which is feeling stuck in the main or at least it did until today and I no longer feel stuck. I am really glad I took the step and did this after thinking it over for months, I feel I am taking the action I want to change at last!

    Just didn't feel like exercise today so it will time to tackle another job I have put off for a long time and another one to tick off the list - getting there now!
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    It's NSD 7 today and another fabulous 5-in-a-row, who'd have thought! After checking banking today and seeing how little is left its no wonder the purse is clamped shut. It's going to be tough to stay within the OD limit but I'm going to try my best. Will have to transfer some money to cover it next week and then see if that does it. Plus remembered I have some vouchers I can use in the supermarkets which I think I might use for the shop this week and possibly next week if there's enough

    Onto some cheering news - did the job I have put off for a long time last night which took about 5mins in the end - no idea why I have delayed it for so long filling a form in. It's done now and ready to go.

    Also WI day today and I am pleased to announce that I have lost one of those pesky kgs over the last week. Nearly back now to bang on target weight. Will see if I can get there by next week which would be great.

    Also finished off my careers skill check while at work this morning and got some surprisingly good results in areas I didn't expect at all. All of this has certainly left me feeling more confident that's for certain which is a good step forward.

    Right time to log off and get on with some uni work
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    Uni work going very slowly - finding it hard going to make sense of what I need to do. Filled in some of the form I need to do, now need to do a lot of work to fill in the rest over the next week. Think I'll bunker down this weekend and get a lot done.

    Tomorrow's plan is do most of the shopping while at work or on the way home and also call in to see if I can return a Christmas present that has stopped working and see if I can swop it.

    Made a lovely chicken stew for tea and then steamed jam pud with custard. Lovely! Plus leftovers for tomorrow's easy tea too! Will try very hard to stick to the shopping list tomorrow and keep the spends as low as possible - will be hard going but its time to do it!
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    woo hoo! Its Friday at long last. Managed to do a bit of work on a job app'n today and print off some uni work while feeling like a big cold was arriving. Planning a very quiet weekend to get a lot of uni work done.

    What else? Not that much to report really and did the food shop today when went ok really and weekly fill up with liquid gold which I would like to last longer than a week so must remember to carefully drive next week and the week after.

    This week's spends are

    A trememdous 5 NSD's in a row
    Food £15.21 including £4.20 on more echinacea tablets for the cold and also £3.79 on creme eggs on offer, basics chocolate biscuit bars and wafers.
    Petrol £24.65

    So I did cave into some biscuits today as felt quite unwell while in the shop and faint - a bad idea and then scoffed quite a few when I got in. Substituted this for the pud tonight and will save that for tomorrow night's tea instead.

    Also took back a faulty Christmas present and received a credit note which I'm happy with as I will use it to buy my favourite perfume and body lotion and purse spray and maybe something more when the offer comes on them again at buy 1 get 1 half price.
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    A good start to today. Took the dog on his usual after work walk this morning and planning to go on the longer walk around the water park this afternoon.

    Also got half the cleaning done leaving a quick hoover and dust of the LR later on with facemask on as I did this last week and it encouraged me to get it all done quickly and also use up some facemask. Bedding changed and washed. Meaning I'll have an early lunch then do a couple of hours study, go for that walk, do the cleaning and facemask then make tonight's tea which is sweet potato and pea curry which I might freeze some portions and also have a think about what to have tomorrow and some leftove pud if I have enough room left.

    Warded the cold off with vitamins and so on but don't feel up to running or Shredding extremely so I think I'll get plenty of walking in this weekend instead and reassess when I feel better - hopefully soon so I can crack on with that half marathon training again!
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    Ok I did it all apart from ANY study AGAIN! Oh well at least tomorrow is freed up to do some after I've met a friend for a coffee and a natter. I WILL get some done this weekend.

    Fabness today has been tidying my nails up and painting them along with a face mask and exfoliate and a long walk in the cold this afternoon with the dog which as a result turned into a super brisk walk!

    Veggie curry for tea and 3 portions to freeze for easy and convient teas over the next few weeks. Film watched - took some getting into but enjoyed it by half way through and I can post it back tomorrow while out. So I don't get my NSD weekend as its scuppered by that coffee tomorrow but it should be a Low Spend Day at least.
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    A good day today - up and off out with the dog this morning - Was going to go for a run but after I discovered it was heavily sleeting I thought better of it and then got back and did Shred instead which went way better than I expected and reinvigorated me as a result out of my woe is me feeling I've had for last week.

    Walked up to meet my friend and had a good old natter and a coffee and walk around. Collected my sale order to try on and then decide if I am keeping all of them or not.

    Now that sky is looking full and grey and heavy compared to the bright blue sky of an hour ago. As it wasn't a NSD today I decided to get some more milk to make sure I have enough to last the week after going through it quickly and picked up a couple of ready meals to use for the late night at work to make sure I can have a quick and easy tea to squeeze inbetween appts and not have to wait until much later in the evening - so spent under a fiver today.

    Not much else going on apart from delaying all that uni work again!
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    Not a great deal to report today apart from a NSD 9 and another one on its way tomorrow too!
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    NSD 10 today making it 2/3 of the way there now!

    A good day today - got some uni work done today while at work which eased off some of the pressure in my mind - still a lot to do before next week though.

    Also shedded and shredded tonight too which was good and hoping tomorrow is quite a similar day too on all those counts above!
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    Woo hoo hee hee hee! Shedded and shredded again tonight after usual dog walk in the very freezing cold night after work - almost talked myself out of it as was sooooooo cold but stayed strong and stuck to the longer dog walk and back to the cold house and warmed up with exercise.

    Was a spend day today - decided to do the weekly shop today instead of the weekend as the weather looks dreadful on Fri and Sat and there will be enough going on getting back from work on Friday. Also did a little petrol top up hopefully lasting quite a while. Just need to get some more hot chocolate tomorrow using the grocery budget money already allocated and accounted for and all is done.

    Long long day at work tomorrow then just Friday morning to go and its back home hopefully easily
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
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