Daft with money

honeypooh1980

I know what you mean about saving. I'm hoping to have £500 left from wages at the end of this month and will put £100 in savings and the rest will be split between my two cards.

As my OH doesn't know i feel i have to save some money.

I have an added incentive now as we are seriously considering moving house and although it will likely be in 2015 i need to reduce my debt by as much as possible as we will be applying for a joint mortgage (not done this before as OH took mortgage out in his name then added me later as we had only been together a year when we bought the house). I don't want my debt being a stumbling block as if it is i will have to tell him then!

How are you getting on with reducing your debts? I love being able to update my signature and see the amounts falling.

abba1772

Hi mummychicken was wondering where you were lol xx

mummychicken

Hi abba, Still here, still plodding along. How are you & the Bump ?

abba1772

We are 15 weeks gone now lol it's dragging in xx

mummychicken

Had an unavoidable couple of SPEND days Family members birthdays & meals so I had to spend.

Will not be able to pay extra to the CC this week, but there is nothing I can do.

Feel a bit low, i need to snap out of it, I got like this a few too many times last year, just feel a bit like a hamster on a wheel, i go around & around and get nowhere.

I am finding work hard, there are lots of changes taking place & it is unsettling, lots of people are unhappy and it makes it difficult to work in the environment.

When the days get longer and the sun is out I hope my mood will lift, I have always hated the start of the year, the dark miserable days make it difficult to feel positive.

Sorry for depressing anyone who may be reading !!!

abba1772

We all get that feeling at some point Hunni try not to let it get to you xxxxxxx

mummychicken

Have awful PMT, really weepy,tired and the lack of motivation I feel is dreadful. I went back to bed after the school run, but never slept.

I cannot even summon the energy to walk the dog !

mummychicken

Have paid a £20 over payment to CC, every little helps.

mummychicken

I am still plodding on, some weeks I stray and fall off the debt busting band wagon But, overall I am not doing too badly.

I never miss a minimum payment on the CC, as it is paid by direct debit, I try to pay a little over each month, not by much as I do not have much spare, but I try.

I have not used my free overdraft (been tempted at times )

I try to use cash as this keeps me focused, if I use my Debit Card I forget how much I have spent on it.

I need to fill my free time on FREE activities as my biggest problem is being bored so going for a wander in the shops. I have a garden in need of a good tidying, a dog who could walk forever and a mass of books on my Kindle to plod through. All of those are free, so i need to focus on the free things in my life !!

mummychicken

Where have these 6 months gone ? ! I continue to chip away at my mountain of debt, it does not make much difference as I only repay the minimum but that is all I can afford to do and it is interest free until the end of next year