My names Laura, and i'm a spendoholic

dl5543

Nice one Laura, you're doing great! Stay positive.

MOGGYMALONE

Very well done!

Monkeyballs

Gizzymo wrote: »

Thanks for the responses guys,


Asparagus1968: The £10 account fee is to stop me having to pay £30 a month in overdraft charges as I am well over my free £300 overdraft I should be paying £1 per day. My bills all come out at the beginning of the month so I have been in the red straight after being paid for as long as I can remember. hopefully not for long though!

MonkeyBalls:
1. My mobile is quite high and I probably could keep my Iphone and get a sim only but my contract doesn't end until next Jan. I guess it depends what kind of condition my phone is in by then
2. I was looking at my Spreadsheet yesterday and the £10 Bank account fee (to avoid is more than the interest on my Argos account so for now the Overdraft is still my priority
3. I stopped smoking Cigarettes, its this Ecig that I am now hooked on!!! I'm trying I promise

Thanks Again Guys

Cool Methinks there's no flies on you!

Well done on the Cigarettes, an Ecig is much better for you so I'll let you off... For now...

You're possibly already doing this but just in case you're not, you might want to look into one of the cash back sites such as Quidco to help build up a little extra over the course of a year? Every little helps!

MB

Ben-_2

Great work!

Hillbilly2

Wow! Well done, how nice to read such a positive story!

LittleMissDetermined

Your story started off just like mine but my OH went back to uni and is now back in work. It's such a struggle bringing in the only income.

Sounds like you're back on track and, just like me can see the light at the end of the tunnel!

I wish you lots of luck for your onward journey to debt-freedom!

LMD x

Weird_Nev

HEy and well done so far.

Looking through your SOA, your internet looks a bit high - £10 liner rental + £21 broadband? Can you downgrade/change this? I had £6 internet for several years, and it was fine for youtube and even light gaming. See if you can save money there.

Do you really set aside £50/mo for christmas? Do you need to?

I also agree your mobile bill looks high. Once you near end of contract, see if you can negotiate sim only prices ratehr than renewing your phone. I kept my iphone an extra year, paying £15/mo instead of £35, and then sold the phone for £180!

Hope you're getting on well, anyway.

System

Monkeyballs wrote: »

You're possibly already doing this but just in case you're not, you might want to look into one of the cash back sites such as Quidco to help build up a little extra over the course of a year? Every little helps!
MB

Actually hadn't thought of that, thanks

System

Had a bit of a slip and ordered 2 pairs of jeans and a silk shirt on my Next account!

Panicing a bit but its only £50 and I can pay it off next month, just keep thinking "that could have gone on my Overdraft/ Argos card"

However: I have been on a diet since New Years and have lost some weight so the reason I bought the jeans was because they are a smaller size, the shirt I just liked.

Will not slip back into putting things on Store Cards!!!!

Get a grip Laura

asparagus1968

you could always return the shirt...........:)