starting a fresh.

pantherchick

I have no motorvation.... i know where i want to be and in the past have paid off alot of my debts. which made me sleep easier at nights. I now have only the nasty credit card to pay off. i need to stop using it.... although its not a great amount of debt its still a debt i dont want...
So ive got a few things listed on Ebay, to try and pay towards the card. ive done this before to bring it down but still seem to use the card when ive stuggled to find the money. really need to stop using this card.. debt is only £489.00.
I need some inspiration, as recently lost all my get up and go.
I am working full time now. with extra shifts. i could actually say at least one extra shift can go towards the debt.
I am now in the process with my dd to help sort out her debts, too. more head aches i know. but we're getting there.

pantherchick

SO here we are, ready to start rolling with this debt. I seem to have been in a down ward spiral of late, so im feeling much better now and ready to face the credit card head on...
Ive got a sale on ebay so another £10.53 as gone into my rainbow jar.
my targets this week.
Buy drinks from the £1 shop to take to work.
take lunch/tea with me, so im not eating rubbish or buying from shop
have at least 3 non spend days....
so ive set my 3 targets. i hope to tick all three by sunday. end of my working week.
now back to ebay... entering each day this week.

Jox

How long will it take you to pay off £489?

Hide the card somewhere and don't use it!!

pantherchick

Jox wrote: »

How long will it take you to pay off £489?

Hide the card somewhere and don't use it!!

Sounds easy to some people, then again i have over the last few years reduced my debts from around £7k to this.... so i am very pleased and proud of myself.
The last few months ive changed jobs, my old job wouldnt offer me full time hours. so ive had to change...now got full time hours and the tax man have emergency taxed me!! great... all that money gone in tax.. annoyed some what.
I am attempting to just cut right back this month, start paying off the credit card debt.
Today im full of cold. been up again last night sneezing my head off. doseing up on the old lemsip and paracetamols to ease my nose. Hubbys gone to work but ive had to phone in for today.. cant go giving it to vunerable people. in bed while im typing this..... Trying to think of ways of changing my food shopping ideas and meal planning, but its hard when you work shifts.
New adventure needs to be found this week to keep me motorvated. also found out im going to have to have a operation soon so i really need to earn some money for living off when that time comes. ( emergency fund)

pantherchick

Im going to have a sleep for a few hours. as ive been awake for many hours now... due to this bad cold..... but i have plans to get more motorvated for today... do not want to waste the day whollowing in self pity.

To do later.
washing. ironing. re listing on ebay. '

Jox

Well done on reducing your debt from £7K, the last little 400 odd quid will go in no time, don't stress too much

Hope you feel better soon

pantherchick

Jox wrote: »

Well done on reducing your debt from £7K, the last little 400 odd quid will go in no time, don't stress too much

Hope you feel better soon

Thanks for the

nice to know someone is listening, im trying not to moan, but seem to have a lot to moan about just recently. xx

pantherchick

Thursday as arrived and this week seems to have come and gone pretty fast, one more shift at work then a whole week end off... doesnt happen very often. Looking forward to this one, a little bit of sunshine might do me the world of good.
Have fallen and booked a holiday to Portugal in October. managed to get the deposit sorted. now got to find £1,000 to pay the holiday off. although i got my dh to help..... will consentrate on this now...... something to look forward too.

Will be looking at my Ebay in the next few days to see where i can make some money, selling some of the junk in the shed that i seem to have horded........

Will be doing some home cooking i think over the weekend, taking my own food to work so i dont spend stupid money on sandwiches in town.

pantherchick

starting this week off on a better note.
lots of shifts at work this week, its going to be a killer but good at the end of the month on payday.
Starting to be more frugal. eat breakfast before work, free lunch and tea at work, so saving a little bit on food this week. a few shifts like this, this week.
Being more frugal and making more healthier suppers. hopefully will enhance my purse and slim my waist.
still looking for extra money to make for my credit card and my holiday in october.... time now to go to bed and think of how im going to do this. x

pantherchick

Bank Holiday Monday,
im off to work a 12 hour shift. not that i really want to go!

will be starting the painting of the newly refurbished kitchen tomorrow, lime green and cream walls, all my assesories are lime green, will keep me busy in between shifts. have a blind to put up and still another blind to buy too.

Ive emptied my purse, put £20 into my rainbow pot last night, i now have £83 in it. have left myself £6 in my purse for anything i may need this week, going to work or while at work, frugal it is....

Must get back on the Ebay account, the only things selling are my dd things that she has added on my account. although im beginning to think i should ban her as i seem to be paying out for the fees. not very good on my part.

So off to work now, will be thinking thoughout the day how to make that extra £1 today.... have a great bank holiday xx

pantherchick

The sun is out and it makes me wish everyday could be so nice like this!

Woke up far too early today so managed to have a cuppa tea, then hit the painting of the kitchen, still some to do, needs another coat and the freezer needs moving too so i can get behind it, that will have to be fridays task now. Friday beening my next day off.
Also have a driving lesson Friday.

So iv'e been to the shops to get washing powder, got a bargin for £4. really should buy another box at that price and stash it.. might go and get another box on friday, if the offer is still on.

£2.70 entered into my rainbow box today. whoo whoo its adding up. that can go towards my holiday payment at the end of the month.

My dd has been using my ebay to sell her un wanteds, she's doing very well, but i feel im letting myself down as not listed anything for a week or so, really need to get this going again.

Im at work again tomorrow for another 12 hour shift, so i will be eating at work, saves me from buying it. and so they should provide lunch if they want us there all day!

Im getting really bored with the job i specialise in, i would dearly love to go part time and do something totally different, but mortgage is too high to do that, i wanted to pay more off the mortgage monthly but dh says its not to be at the minute,

Right im off to start my ebay listings, and rummaging though the shed to ebay! catch you all laters pantherchick x