Living day to day

Dolliechops

Evening ,

Not been here for a few days , been busy with work and partying :beer:

Nothing debt wise to report .at a standstill until payday .
Counting down the days till the end of the month .

I'm pleased as I am within budgets ,not gone over overdraft limit :j
That's been the first time in ages so although no big chunks paid off debt I have made a real effort not to run out of money or add to the debt ,things are looking up

Dollie

HeadAboveWater

Dolliechops wrote: »

I'm pleased as I am within budgets ,not gone over overdraft limit :j

Woohoo! You've reached turning point, spun 180deg, and you know you're well on the road to being debt free! Be very proud of yourself! It'll only get easier

Dolliechops

Woo hoo :j:j

I've just paid the last £50 off of the next account :j:j:j
I would love to cancel it but they don't stock my daughters size in store so can only order online :mad:
So from now on anything purchased from Next for DD will be paid in full as soon as I have ordered it , when I set up the account I didn't see an option to pay by debit card and assumed i had to have an account :mad:

Now on to clearing the staff card !!

Although at the moment the priority is to build up holiday funds as they have taken a battering today :mad::mad:

Had a much needed (by me ) day with DD so we had a girly day at the local shopping centre , she is at the age where she is not amused by the park and has outgrown soft play centres it's all about signing and dancing in her room and changing her clothes 100 times a day ,I am finding it a struggle lately to find things we can do together that doesnt result in a stroppy pre teen .

So our trip today consisted of DD getting her ears pierced she's been begging for months now ,I thought I would find the whole thing upsetting especially looking at her seeing earrings in her ears but to be honest she has been wearing magnetic earrings for months now and they do not look any different , my sister sent me a text saying "well done for loosening the reigns ,and letting her grow up a bit " which made me :rotfl: . I'm finding the whole growing up thing emotional she's my baby

Anyway ear piercing and an outfit later the holiday fund is now down to zero. But all going to plan i will be at holiday fund target in a few weeks :T

Hope your all having a fab Saturday
Dollie x

Dolliechops

Morning

I am lazing about putting off going for a shower as I know I have a huge pile of ironing to tackle today

Also want to tidy up /clear out my wardrobe I doubt there is anything worth selling in there and I don't know if I can be bothered with the hassle of e*bay ,

Spent last night working out the budgets for July, it's not looking brilliant and we will not be rolling in the money but thats because I have a mad dash to fill up the holiday fund ,however it is looking better than it has done in months :T . No charges on any account for going over overdraft limit and only the overdraft fee :T:T:T

Hopefully ex will stick to his word and will pay up next week which
will help but who knows

I'm off to get moving ,if you haven't heard from me by tea time send a search and rescue party I will be buried under the ironing pile :rotfl::rotfl:

Have a good day all
Dollie x

HeadAboveWater

Hello

You get through the ironing ok?!

:T to the Next card!! If you do have to use it the odd time, make sure and keep on top of payments and don't let spending get out of hand. Which I don't think you will!!

Kids! They grow up so fast :eek: Sounds like a lovely girlie day though

Hope you have a great start to the week

Dolliechops

Survived the ironing

Ironing basket full to top again :eek:

Dolliechops

The mission of clearing the staff card has begun

Rounded down all bank accounts and have paid a whopping £7.96
Off the staff card

Should be getting tax credits tomorrow so there will be a few odd pounds to put towards staff card.

Never thought I would be this enthusiastic and motivated about clearing debts it is definitely addictive .

Also been super organised and set up new payees on all accounts so all accounts now have all payees making it easier to pay the odd few pence.

Night all
Dollie

CountingPennies

Hi Dollie

Just enjoyed reading your diary from the start. Your doing so well! I've subscribed, and hopefully some of your inspiration will rub off on me!! :rotfl:

Well done on clearing the Next account! :beer:

Hope you have a fab week!

Dolliechops

Counting down the hours till payday , hopefully they will hit my account tonight and I manage to stay awake to check account tonight

Got a busy weekend ahead with work and socialising would be great to be able to shuffle money about to the right places tonight instead of waiting till I have more time which will be Monday ,anyway knowing myself if I left it till Monday to sort out I would have spent it all

Have paid a few more pounds off staff card not sure of the balance annoyingly there isn't Internet access to account, I normally just wait for a paper statement to arrive but have a feeling I have binned this months statement ,I'm sure there must be an automated number I can call to find balance out .

Hope you all have a fab day

Dollie x

Dolliechops

Afternoon

Just a quick catch up ,

Everything looking ok-ish , I've had a bit of a spending spree ,will now have to use holiday money saved to cover rent and bills

Actually thinking about it the spending spree was on summer clothes, part of the holiday savings was to be used for holiday clothes which I now don't need so technically it all balances out ,just need to lower the savings target

Nearly fainted when Ex turned up with maintenance money ..... Was £50 short though , however he has left a voicemail saying he had transferred the missing £50 into my bank ,just checked and he has :T. ,but this is only month 1 of him paying me directly anything can happen next month ,

All budgets are looking good :T

Staff card is going down ,not by much but going down I have made some small payments in the last few days so will call for an exact balance at the end of week

Whilst putting washing on the line I noticed a wasp nest above daughters bedroom window :mad: will need to get that sorted have no idea how much these things cost might have to use the Halifax overdraft to cover it or make a call to mum and dad ,I don't want to do either just creating more money to pay back but I have no emergency money for this type of thing .... A lesson for the future me thinks ,

Everything is looking good

Dollie x