young & dumb :)

amyc92

Hello :-)

I am going to start this diary to help me with my money!!!
I love to shop WAY to much and I need to start saving to pay off my debts and start saving for a deposit on a house.. So hopefully this will help!

I am currently in £3000 worth of debt by a natwest loan. I pay off around £200 a month by DD. I want to have paid this off by October!

I currently earn £1004 a month after tax my monthly outgoings including the £200 DD is around £500 a month so really I should be able to save plenty!
I am currently putting £200 a month away to save. Starting this month as I have just used my savings to pay off my car insurance.

My problem is shopping, i can get anywhere between 5-10 parcels a week!!!! Its ridiculous!

So here goes, good luck to me :-)!!!

A xx

[Deleted User]

Hi amy,

Welcome to the boards and Happy Shiny Diary

Wishing you well on your journey.

Pmo2
x

amyc92

Thanks Purplemumof!!

Well tonight will be spending as I am cooking for the other half, going to try and not go OTT at Mr M's we will see how I get on!!!
Then tonight I will be clearing out my room as my mum has sold the house and she is moving to a 2 bedroom (from a 3) so I will be taking all my stuff to my other halves!
Time to de clutter and get rid of all the clothes I don't wear anymore!!!

A xx

beanielou

Baby steps on cutting down your parcel's.

amyc92

I will try to cut down slowly
Well this weekend, friday I spent £15 in asda, then saturday spent £4.50 at the gym. Sold somethings on ebay so sent them off which cost £25 Then spent £10 at night because I went to a charity event. Sunday spend £30 taking my mum out for mothers day. Now VERY skint till pay day :-(
Had to list lots on ebay to try and make some money to keep me going.
Today will be a no spend day. Just working then the soaps and broadchurch tonight :-)
Catch up tomorrow
A xx

amyc92

Actually I lied I spent £6 on two beyonce albums.. oops

amyc92

Well today I am feeling pretty crappy and ill :-(
Will be a spends day as I have to spend £15 in tesco ready for a cake I am making for work and get some olbas for my blocked nose
I have about £33 to last me till pay day (the 23rd) and I will have to spend £30 on petrol soon!
My friend owes me £20 which she is giving me this weekend, and I have around 15 items on ebay, all doing ok with watchers so fingers crossed :-)
I have finished my NVQ at work today so another £2000 pay rise in a couple of months! So then I can save the extra £100 I get a month to pay off my debts!!!!
A light came on my dashboard today on my car so will have to get that looked at asap!
have a good day :-)
Axx

amyc92

Today I have spent £4.95 for my slimming world class and £1.50 for judging cakes at work for charity. Tonight will be me cooking a curry then catching up on TV.
I lost a pound this week on slimming world so going to add this to my signiture
Speak soon
Axxx

LeaLea89

Hi A!

Great start to your diary! I have subscribed as i have the same issues with shopping!! But alas i am also fighting back the debts!!!

Good Luck hun xx

amyc92

Thanks hun :-) !!! Will take a look at your now and subscribe back!!!
Oh how i love shopping !!!!!
good luck to you too! your doing really well !!
xxx

HeadAboveWater

*subscribes*



I've the same problem too, minus the debt! Trying to get through a day at work/lunch break without handing over any money has been a struggle!

My diary for one helps - sorta like a confession page!! :rotfl:

Join the monthly NSD challenges! Definitely very encouraging and motivational!! Here's the link to March

Good luck!