Sick to death of all of my wages disappearing to debts!

laurag89

Right so I have got through the weekend with just spending £2..... this is a first for me!!! Feeling good about it.

Another NSD today and im feeling this week up until friday when I have to put petrol in will also be NSD'S. Im going to wait until 17th February the day before next payday and withdraw everything I have left and pay it to Barclaycard.
Im fully sticking to my budget and it is going well so far, loving having this extra money left to pay to my debt...its getting me one step nearer to being debt free.

Im going to post some goals for the week below for me to stick too

laurag89

Goals:

NSD'S: 2/4
Gym: 1/4
Nail Course: 2/4

I want to use this to track on a weekly basis what I have achieved, Its important to me to fit in the gym aswell as my nail course. I can ensure I use my time equally between the two, and stop myself wasting time watching tv when I have a course to complete, and a beach body to obtain before july!

laurag89

Ive made a big decision this evening, that instead of waiting till the day before payday to overpay my credit card im going to do something completely crazy and withdraw £60 from my monthly spend account which will leave me with £50 to last 3 weeks! I will have already filled my petrol tank.... so I am going to allow myself £10 per week which baring in mind I live at home, and have accounted for all my outgoings should be achievable. (I know technically I have a little more than £10 per week but im rounding down because anything left over will also go to Barclaycard)

If I leave the money in my account till payday.... it wont be there, I will find something I feel is required to be bought...... which I know I don't need to buy anything! I have £70 saved aside, so if something came out of no where I could use that. But I am going to be very very clever with money till payday, but will know I have overpaid my credit card and Im one step closer to getting rid of the Barclaycard!

Wooohoooooo

laurag89

This week is going really well Apart from having to put petrol into my car today I have had a NS week so far!

I paid another £22 to barclaycard today, they are very sneaky because every time I overpay a chunk of money they don't take my minimum payment by direct debit! I realised this today so I have transferred the minimum payment amount into the credit card today!

Its down to £1030 now, as of February payday I am going to be paying £300 per month to it to get it gone. I will be doing this straight away ... if the money isn't in my account I can spend it on anything else.

Im off to do another hour of my nail course

wantabetterlife

How are things going Laura?