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SarahNeedle1872 - DFW Diary
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Had a couple more Amazon sales which I need to post tomorrow....
Bought a top for the wedding (£16.20 after discount) don't expect it will be seen much of the day due to the cold weather, but I have a cardy that I can wear with it, and it is something that I will wear again a lot during the summer, so it's not too bad..... 'borrowed' money from this months clothes budget too.... so lets hope I don't win the boots I'm bidding for on eBay!:rolleyes:
What day is it today? Oh yeah, Wednesday..... payday on Friday :T Wahooooo..... Bills/monthly saves DD is all set to come out.
Have taken stock of the finances after not paying any attention for a while.... and I am £300 into my o/d :mad: :eek: :mad: although £160 of that OH will pay me back on payday, as it is the DD for his child maintenence (sp?) and I have a shortfall of £179 between my CC and my OC account..... I used £187 of my OC money to pay off one of OH's debts on my Egg card, after last pay day, when I was feeling flush.... and it's all kinda gone downhill from there!:mad: And i have absolutely NO idea where the money went......
actually I do have a good clue, his name is OH! I MUST MUST stand up to him when I have no money!!!!
So within a month of being CC debt free...... I now have £328 more debt :mad: :mad: :mad: SERIOUSLY hacked off about that, but I shall learn from it and move on....
I think my two problems are:-
1) OH knows I have an OD on the bills acc, and sees this as money that can be spent - I am just too damn soft and end up taking money out just for the quiet life:mad:
2) I am using my Skycard for the cashback (towards paying the Sky bill) but I still haven't got my head around only spending the same amount as the cash I have to pay it back....
So I have decided that it's new payday, new plan! I am taking the bills acc debit card back out of my purse so the temptation is not there - I should cut it up but I am not brave enough to just yet.....
I am also going to stop using my CC until it is paid off (again!:mad: ) and possibly stop using it altogether..... I do seem to have an emotional attachment to my CC, and am worried about 'emergencies' that never seem to happen, but I know will happen as soon as I leave my card at home! I never realised that trying to become DF would be such a struggle - emotionally and physically! But I have loads of stuff to eBay, so once I find and charge the batteries for the camera, I will take some picks and get listing again...
Was accepted for 4.9%, 60mth card.... just waiting for it to come thru, then I will transfer OH's Egg balance across..... have cut up his card, and thrown half of it away, so he won't be able to use it for a while.... at least until he takes the initiative to order a new card... then I will try my hardest to intercept the post
Got a day off tomorrow and a million things to do.... but as I know I will be on/off here all day, I will start a jobs list of things to be done, and update as I go..... worked pretty well last time anyway.....'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
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Way too much anger in that post!
Anyways, jobs for Thursday are:-
* Phone BT and remove call barring/ make sure on cheapest package
* Phone AOL for MAC code (for the third time!)
* Food shopping using list/mysupermarket
* Washing Up
* Clean Kitchen
* Clean Bathroom
* Hoover
* Put away laundry
* Walk Charlie
* Post Amazon packets
* Cook food for Connor for freezer
* eBay pictures
* Have/need list for cleaning products/toiletries
* Empty/clean compost caddy
* Put out rubbish/recycling
As always, the list will grow as the day goes on and I remember things....:o'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
Wow, you are going to be a busy bee tomorrow SarI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
SarahNeedle1872 wrote: »^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Way too much anger in that post!
Better to have it burn in your posts than burn inside your head."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
'Tis true.... and if I'm a bit fired up I usually get things done a bit quicker!'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0
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Hey Sarah!
How are you matey?
Your list of jobs looks like mine... never ending xEmpty pockets never held anyone back, only empty heads and empty hearts can do that -Peale0 -
It is! No sooner am I completing them than I am adding onto the bottom!
All things good here, just bl00dy crackered from work.... what about u?
Sarah x'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
I'm ok thanks hunny.
Been a strange day....
I've been off work for a few days poorly but feeling much better now.
Back to my last 2 days at my old job before new one starts on Monday!
Exciting xEmpty pockets never held anyone back, only empty heads and empty hearts can do that -Peale0 -
Sorry ur feeling poorly..... 'strange' sounds intruiging tho!
Good luck with your new job :T'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
Hi im new today. I hope ive put this in right catagory.
Can anyone understand that my Husband and i are in debt quite a bit and we have treid everthing to get out of it but hit a brick wall all the time. My husband works, i dont and we have 3 kids. We get housing benefit because we live in private rented accommodation. I would like to go to work either part/full time but what ever i earn the benefit will stop and we would be no better off. We would really like to get out of debt on our own but this is totally impossible. I tried self employment to help but got us further in it. Can anyone suggest anything please.0
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