Living day to day

in_need_of_direction

Hi Dollie, well done on coming back. I've only recently started my diary, post inane drivel but know that if I don't, I will once again lose focus. I know the sensible approach is to pay the highest apr but you need to go with what works for you. Pay the small ones and CLOSE them. I heard what you said about Next and dd size, has she not changed size since then? You're doing well, stick with it.

Dolliechops

Hi

In need of direction thanks for your post , DD has become a bit more grown up in the last few months and apparently next is sooo uncool , and much prefers NewLook now (11 going on 21:rotfl:) . Don't really want to close account as a few of their kids or should I say teen summer stuff is good value and in the past I have used the account when funds tight and had a function to attend. I just need to manage it better .

Just exchanged in my £2 scratch card win(which I've had in my purse for well over month ) for 2 more cards ,my rule is anything over a fiver I get the cash otherwise I get more tickets ,anyway I won £12.00 :T . Instead of frittering it away I am paying DD back the £10 I borrowed from her . I feel so guilty for using her money and made a promise to myself never to borrow her money again .

Also cleared my purse out of all cards , only leaving current account card (spends account ) in there this will stop me spending the odd few pounds of bill money /rent money on lunch etc , a positive step forward

Also set up all my banking apps on phone so can now check funds BEFORE spending instead of at home after spending .

Also spoke to the ex who finally has some work tomorrow :T I couldn't get all the details but think it's only a days work fingers crossed it leads to more work and the matienence money starts coming my way again which would be amazing .in my head i am already deciding what to do with it lol. jumping ahead of myself

HeadAboveWater

Sorry to hear things went a bit :eek: on you, but hopefully you'll really knuckle down again and get those debts cleared. We all go 'oops' every now and again. Point is, get back on track and focus asap. One step at a time

Dolliechops wrote: »

Also cleared my purse out of all cards , only leaving current account card (spends account ) in there this will stop me spending the odd few pounds of bill money /rent money on lunch etc , a positive step forward

Bingo! This is basically what I had to do to stop myself spending. Although I left ALL cards at home. I only carried cash, even when I was doing a proper food shop. My debt was gone in no time!

Good luck and stick with it!

clearmydebts

Welcome back Dolliechops,

We all fall off the wagon every now and again. Time to dust yourself off and make plans for the future and clear the debt. Have subscribed and look forward to seeing how you get on!

CountingPennies

Welcome back DC, did you ever sort the wasp nests problem out?? Lol.

Anyway, don't worry about falling off the wagon. You have opened up and got it off your chest, and it sounds like you trying to sort yourself out. Well done!

CP xx

Kei

Hi Dolliechops,

Similar to you, I have been away from the diary for a loooong time and my debts crept back also! (sneaky little things those debts )

And so I have also just revived my diary, fresh start for 2014, and hope to be debt free by Christmas.

Just wanted to wish you the best of luck with your journey also, and will be subscribing

Dolliechops

Evening ,

It's amazing what you can achieve when you are focused and determined

I cheekily rang the bank told them that bank charges were crippling me and I take full responsibility for them it's my own doing etc but is there any way to spread them across a few months so that I can get myself bcd on the straight and narrow ,upshot is all this months charges refunded and all charges due in feb have been cancelled :T
I'm extremely lucky as this has happened before a few months ago and when the woman told me I could have cried :T

So bank account is for once within overdraft limit and I'm determined to keep it that way , I'm a bit worried that some bank charges have rolled over to march but only time will tell .

Also other good news I managed to get another direct debit sorted out for gas and elec and it's worked out at £50 cheaper :T

Been to see my best friend met at a shopping centre I don't see her often she works abroad all year with only an 8 week holiday back home I thought we were going for a slap up lunch and was very happy that she wanted a sandwich and a coffee :TAlso another :T for not buying anything except desperately needed underwear for DD at only £12.00 .

The ex has a job interview tomorrow :T:T I'm hoping and praying it goes well and it's positive luckily he knows the managers of the company used to work with them a few years back .

I still have £25 to last till Monday which is doable I'm working fri,sat and sun so only need money for a drink /coffee whilst at work and planning a NSD tomorrow ,I do however have to pay the fees for dd swimming lesson with the school , in the past I paid up front for the whole 6 weeks but realised never had money returned for the weeks she didn't attend due to illness so now I pay on a weekly basis

Today things feel great and payday is one less day away

Cheerio

Dollie
Xx

CountingPennies

Well done Dollie. Great result with the bank charges too!

CP xx

Dolliechops

Evening all

Not much to report today was meant to be a NSD but needed some things for tea

But everything is going well and all going to plan

Dollie
Xx