Catriona's Credit Card Countdown

edited 15 March 2013 at 9:41PM in Debt Free Diaries
680 replies 54.4K views
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Replies

  • catriona79catriona79 Forumite
    855 Posts
    Well, back from supermarket - loads of food, and ingredients for a cake. £35 on food and £20 on household and cleaning stuff - but for the first time I'm going to ask for the money back. It's stuff that we all use, and so there shouldn't be a problem.

    I'm having a visitor at the weekend, my friend from London.

    I've replaced the yoghurts that were thrown out by work cleaners. I've also bought lots of fruit and veg at Aldi. Now only need a top of of fruit for work at the start of next week. I need to try and work things out so that I only shop once a week, I think that would reduce my spends. I'm nearly halfway through my food budget for the month, but hopefully with a bit more planning that will be manageable. Feeling nervous. But I'm going to hold myself accountable. Other budget (fun) is looking good.

    This weekend's all paid for already. Meal bought through a discount app on the phone, so only the tip and a glass of wine to pay for, and also my friend will give me £12 back (for her half of the meal). Theatre tickets were paid for ages ago, and I'm treating my friend, but no more expense.

    The amazing thing about being a student us that my ticket for a big performance can cost as little as £8!

    It's time to sit down to some uni work!
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • clearmydebtsclearmydebts Forumite
    6.5K Posts
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    How scary Catriona. Glad you went back into the building and reported it. Terrible to think you aren't safe at 6.30pm in the evening. It just takes one bad egg.


    Hope you have a lovely weekend!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • belleviebellevie Forumite
    776 Posts
    Tenth Anniversary 500 Posts Photogenic Name Dropper
    Forumite
    Thank goodness your friend came by and drove you to your car.

    I hate that people like that even think they have the right to intimidate, and plan to hurt people. Absolute scum. It makes me feel so cross, that its now unsafe to take a 2 minute walk to a car park! I remember walking home in what is now a very dodgy suburb of London, at midnight after getting the train from Liverpool street, quite a few times a week. I thought nothing of it back then, I'd never do it now. Shocking how much things change - so quickly too, it was only 15ish years ago.
    MFW
    Starting debt :£287,410 -11/2020
    Payments in 2021 £17,163( Inc OPs), interest £9163

    2022 Starting Balance : 1/22 £277,993

    Original end 11/2045 
    New end date :....... 

    Overpayments to date £400 (02/22)


  • catriona79catriona79 Forumite
    855 Posts
    Today has not been a non-spend day!

    £10.99 on cosmetics and an audiobook
    £12.93 on food

    Bit of a low day today, but let's hope things will start looking up very soon! :)

    Off to do a bit of time wasting on the Internet
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • catriona79catriona79 Forumite
    855 Posts
    Sunday morning - whoop whoop!

    I had a great night last night - on a budget. £15 for meal and £13 on drinks. £5 on trains.

    No need to buy anything for breakfast, as I've got eggs etc and even Frozen cinnamon buns from IKEA, so we should be ok! I think I'm going to get my friend out for a walk around the university grounds, or go to a local park, have a look at the pretty bulbs of snowdrops and crocus.

    Considering everything, it's cool! The play was very intense and I am so glad I went.

    My friend is staying over, but I reckon I have a couple of hours at least, if not three, until she gets up. So going to do a bit of reading for my new assignment.

    19 days to pay day from L1&2, and 22 days till work pay day. Can't wait to be closer to the end!

    I'm finding it much easier to motivate myself to save and be good now that the end is in sight. At some point I will have to see how it is looking and if I'm on track, but I can say one thing - if you really watch every penny as you spend, you end up spending very little.

    Have a good Sunday everyone!
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • Abz12Abz12 Forumite
    221 Posts
    Tenth Anniversary 100 Posts Name Dropper Combo Breaker
    Hello - have been reading your diary over the last week and have to say congratulations and well done to you on your debt journey. Have subscribed :-)
    Total debt when starting Sept 2021 - £14,629.61 / Current debt - £13,398.73
  • catriona79catriona79 Forumite
    855 Posts
    Hello Abz,

    Welcome and thanks for reading & your kind words.

    I'll catch up on your adventures in a little while :)
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • catriona79catriona79 Forumite
    855 Posts
    Ah, so Monday done and dusted, and I'm feeling under the weather so it's a double victory. Night nurse for me again tonight and off to bed!
    Fingers crossed for tomorrow to go quickly.

    £7.61 on food at Lidl today, needed a loaf of bread, and ended up getting loads of other stuff! Typical! ;)
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • catriona79catriona79 Forumite
    855 Posts
    NSD today! One reason to feel good.

    Other than that, ive been feeling a bit down and need to pull myself together, or it's going to end badly. A throat infection and high temperature doesn't help. Annoying.

    Tomorrow I've got the day off and that's a blessing!

    By the way, has anyone been watching Renaissance Unchained on BBC4? It's so cool!

    It may be the cold weather that's making people feel low. Got yo snap out of it!
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • Rebecca01Rebecca01 Forumite
    723 Posts
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    Sorry to read you are feeling a bit down. Must be something in the air. Summer is on its way so hopefully that will help. Does not feel like it at the moment though brrrr.

    Yay on NSD. Get some rest. Tv binge or read a book and have a lie in. You may feel better tomorrow. Hugs xx
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