Here we go again. LBM number a million

kittycatfan

Hi mit glad about your job itll give you more to focus on , well ive done something silly maybe or maybe not haha i got a £10,000 loan and have paid of 2 credit cards that cost me £226 a month on minimum payments and one was £56 a month interest anyway my bank loan is only £150 a month effectively saving me £76. A month i also done it so i had £2,000 change whoo hoo i actually feel rich but have to try not to touch two grand as its my emergency stroke float type of thing i have to say i feel less worried now lol , good luck on your spending venture its really hard not to spend esp with santa around the corner x

millionaire_in_training

Hi folks. I love when I log on and people have been chatting.

PLMBL his has bucket seats. I would need a hoist to get out of it but yes it is lush. Between him having that and my DD with her wee white fiesta my wee micra looks like the poor relation :rotfl:.

EE you're right it is all to do with trying to stop using credit. I had to use card for petrol unfortunately and I need to take DS tomorrow to get some clothes for party next week. I'll pay those back though as soon as I get paid. Normally I would wait until I got paid but DS needs something for Friday as he has just shot up again the last couple weeks and also got broader as well so I need him to try stuff on.

Kitty, we all have different ways of dealing with our debt and whatever makes you comfortable and works for you is okay. I considered a loan but I am hoping to pay the cards off much quicker so I will carry on this way for now.

Spent £1.25 today on bowl of chips and a twirl All healthy as you can see . Finished my job today and I am bloody ecstatic. I cannot wait to start my new one. I was up on that floor today and it just buzzes with life. My floor is like sleepy valley. Not any less busy but a totally different type of work. I react much better to the buzz and stress .

DD is away out tonight in Glasgow. I never settle very well when she is not coming home but she is staying in the uni halls with her friends so not home until tomorrow.

I am working tomorrow morning so that money will keep me going until I get child benefit on Tuesday and then wages on Thursday. With any luck the CSA will get me some money soon as well.

Have a fab Friday night folks xx

millionaire_in_training

I have just been looking at my snowball and updating it. Wish I hadn't bothered. £428.39 paid into my CC's this month and between interest and spends I have only reduced the balance by £24.76 !!!! Now if that's not motivation then I dunno what is !!! Onwards and upwards guys. Tallyho

millionaire_in_training

At least it's down lol

Puzzcat

kittycatfan wrote: »

Hi mit glad about your job itll give you more to focus on , well ive done something silly maybe or maybe not haha i got a £10,000 loan and have paid of 2 credit cards that cost me £226 a month on minimum payments and one was £56 a month interest anyway my bank loan is only £150 a month effectively saving me £76. A month i also done it so i had £2,000 change whoo hoo i actually feel rich but have to try not to touch two grand as its my emergency stroke float type of thing i have to say i feel less worried now lol , good luck on your spending venture its really hard not to spend esp with santa around the corner x

Apologies MIT for hijacking your diary.... from one feline to another kitty and I suspect I am a more mature in age cat than you.... please please cut up the cards now...I have consolidated with loans at least 3 times and am now 59k in debt and entering a dmp. So from one who learnt a little late, cut up the cards...please......x

millionaire_in_training

oh puzzcat I reckon we have all done that at some point. Always seems like a good idea at the time

kittycatfan

Hii puzzcat well youll be happy to hear i have cut all credit cards up and the cards i have paid of i have rang the companies and closed down a ccounts so thatll stop me being tempted also i no i wouldnt be able to afford to pay of the loan if i then added more on cards also what makes you think im a younger feline than you lol

Keeping_Positive

Living without credit is tough as i have found recently. I think I would easily borrowed again if I had access so it shows i still have a way to go. I'm another one who tried the loan route and failed.

Keep plodding MIT as Beanielou would say. The long road will inevitably have difficult parts.

Im sure the new job will help as well x

millionaire_in_training

Well today is not a good money saving day. Had to spend £97 on clothes for DS. He has outgrown every pair of trousers he has. Got him 2 prs jeans from m&co , a top and a big chunky cardy and some socks. He looks fab in them mind you and desperately needed. They will do him for ages hopefully. There was 20% off denim wear today so saved £10ish so at least that's something.

Bought McD's as well . I mean seriously:eek:. I'm a bloody disgrace. Earned £32.50 but can't use it for debts as need to pay DS's bus fares for school with it.

Sad times . But they can only get better

Keeping_Positive

Anyway you could sell his old clothes on facebook to recoup a bit back?