Debt Free One Day's Diary of Daily Life ..Ups and Downs!

debtfreeoneday8 · 6 November 2013 at 4:17PM

So Ive been reading here for a while and thought it was time to start my own DF diary! My debt at the moment is £4840.52 and I know this isnt a lot to some but to me its a bit of a mountain! Im on repayment plans with 3 lenders Barclaycard, HSBC and Santander. The first 2 are credit cards and the santander is an overdraft.

The debt all stems from leaving a previous relationship and having to move into my own flat which needed furnishing and obviously rent and bills each month which I couldnt really afford. So month to month bills and rent went on the credit card, I extended my overdraft etc to make ends meet.

I also then went through a bad stage where I was drinking a lot and just spending money on rubbish like there was no tomorrow, thinking about this makes me feel so sick as Im in a new relationship now and were so happy yet Im still paying off for the bad times I had, but Ive realised this which makes me feel ok and that I am doing the right thing.

Ive moved in with my new boyfriend and his parents now so rent is easier on me so I should be able to pay more off a month, however at the moment saving for christmas isnt easy, even when I only need to buy for a few people!

So as of November 23rd - pay day, I have a budgeted spreadsheet which I AM going to stick to weather I like it or not! I feel good and very prepaired for the month ahead, bring it on!

debtfreeoneday8 · 6 November 2013 at 4:20PM

So today hasnt been to bad, was aiming for a NSD but had an asthma attack at work this morning which resulted in a trip to a&e and £2.80 in car park fees but I suppose that couldnt be helped!

Otherwise just need to pop to Tescos later to get some jacket poatoes and cheese and then thats me done for the day and week hopfully!!

As Ive been sent home from work Ive been busy swagbucks-ing and nectar adpoints, Ive got a friends birthday coming up and Im relying on my adpoints to credit my nectar account as Im already so poor this month! hopfully I can get another 250pts by the weekend! On 89 at the moment so should be easy to do!