Im serious this time; the debt has to go!

[Deleted User]

Morning,


Looks like you are back on track


Well done on paying off E.On, I got away from them as soon as I could as their charges were ridiculous!


Good luck with the diet...mine is none existent at the moment.


Pmo2
x

Eyebright

My diet went out the window yesterday PMO2. I ate so much food it's unbelievable that I didn't go pop!

Now that I'm back in the black with E.ON I will start to look around to see if anyone works out cheaper. I'm locked in to a price fixed tariff until July, but after that I'm open to any offers!!!

After yesterday though I am absolutely shattered. It was such a long day, I was up at 6am, in work for 8am, finished at 6.30pm, which includes 1.5 hours OT, whoop! Then OH picked me up and we went round to the in-laws to say hello and drop off a DVD. Got home at 7.45pm, so out for almost 12 hours yesterday. Then I had to sort out dinner and clean up the kitchen after, so gone 9pm before I finally sat down! And I wasn't feeling great, probably just tiredness, so I was in bed for 10.30

The good news though, is that although yesterday was a spend day, it was a low spend day. I finally remembered to put 50p into the milk money at work! OT will easily cover that... :rotfl:

Need to get money out today, £10 for the window cleaner, already budgeted for, and £10 for a fish and chip dinner tonight. I've decided I want to treat myself tonight, as I've just realised OH is away again this weekend too , this time off to Twickenham to watch rugby. He's promised he will spend next weekend with me. Dread to think how much it's costing, though no spend money on petrol as the 3 of them (him and his work colleagues) are going up in the works van, and his boss is paying for the petrol!
I'm just going to try and have a quiet and relaxing weekend. Prepare myself for my exam next Tuesday :eek::eek::eek: bit nervous lol.

Right best dash, work calls!

NSD's: 2
Misc Spends: £12.15/125

[Deleted User]

Morning EB,


Well done on the LSD and the OT


I'll miss the OT once my boss is back as I'll go back down to my regular hours once she's back on her contracted hours


What exam have you got next week? Take time to enjoy a nice relaxed weekend and pamper yourself and try to not think about it too much xx

Eyebright

Morning PMO2

OH has safely left the building, and I found out that they all got their tickets to the rugby (worth £80 each :eek:) for free from one of their work suppliers or something. So he only has to pay the cost of accomodation and beer now. So not quite so anxious that he is racking up the debts...the car tax is also due, thankfully I have the money for that in my Car pot of money I'm still making OH pay a token amount towards it, as he needs to learn to save some for the car himself. Boy has no clue about money....:p

I'm a pharmacy technician PMO2, and my exam is a practical one to be able to sign of prescriptions like pharmacists do :eek: it's a lot of responsibility, so I'm very nervous. It's a one hour exam, where I have to check that 20 medicines have been dispensed correctly, so I have to identify all mistakes. If I miss any it's an automatic fail. So no pressure lol!! I will get a pay rise too if I pass, as I will go up a band!

As OH has !!!!!!ed off and left me, I'm going to have a quiet day at home and make it a NSD. Rock 'n' Roll! :rotfl:Considering, maybe going out for a run later if the weather is OK to burn off the fish and chips I had yesterday. I'm gonna do a couscous and chorizo thing for dinner I think, or chicken salad to be a bit more kind to my body!

OT is great, and I make sure I do some every month to top up my wages, though most of the time I spend it on cr*p, rather than doing something sensible with it, like paying down my debts! Now that I'm back on the MSE horse, hopefully I can make that happen. Such a shame you will lose yours, hopefully you can nab that job instead you were talking about on your diary. Will cross everything for you!

Right best go dry my hair, before it turns into a frizzy mess!

NSD: 2
Misc Spends: £22.15/£125

Eyebright

Just popping on quickly to report I've been naughty and spent some money :eek:
Library rang for OH to tell him his library books are 3 weeks overdue (the idiot), as he is away muggins here decided the exercise would be good and decided to take them back for him. I ruined the exercise by having a hotdog with onions (it was mahoosive!), and then thought whilst I'm in town I will get my dad's Father's Day card.

So £1.89 spent in total. Not bad, but dribs and drabs I find add up!

NSD: 2
Misc Spends: £24.04/125

Eyebright

Another spend update!!!!

I forgot to mention earlier I put 10p into the tip fund when I bought my hotdog as the money in the tin goes to the cafe owners daughter who helps out in the cafe and has Down's Syndrome. She's a little star!

Also I ended up going the pier with SIL and spending £5 in the arcade on the 2p machines, and gave niece a pound to buy some rubber band thingies that she uses on her Friendship Loom to make bracelets. So that's another £6 today whoops!

NSD: 2
Misc Spends: £30.14/125

Eyebright

So after my disasterous spend day yesterday, today really will be a NSD. All my plans yesterday went out of the window!:p
My quiet day in, was a busy day, walking to town to drop OH's library books off, and going to the pier with niece and SIL, and then in the evening I went round their's and we had a take away! SIL paid, so it tasted even better as it was free

But it did mean my healthy eating went out of the window yesterday, and I've had 2 takeaways in a row now! Today we are going to MIL's for roast dinner, so lots of lovely veggies today. And lemon cheesecake for dessert.
I really need to think of some exercise to do today, as I missed my usual Friday night session at the gym. I have scrubbed and gutted the whole kitchen this morning, so that has got to have burnt off a few calories, and I was so wrapped up in my cleaning I forgot to have breakfast. Going to sort myself out some lunch now me thinks.

Hope everyone has a nice relaxing Sunday. At some point I am going to HAVE to do some ironing, the pile is threatening to block out the sun :rotfl:

EB xx

Eyebright

Yay! :j I did manage to make yesterday a NSD :cool:
Takes me up to 3 this month so far (I started on the 25th), so I could definitely do better. My goal is for today to be a NSD as well. Tomorrow will have to be a spend day as I have to buy my train tickets and pay for a taxi to get to my exam and home again :eek::eek:

Put £1 coin into my sealed pot today, as a reward for managing to keep to my NSD!

Lunch is all packed to take to work with me, and having chicken defrosting to make dinner tonight. Chicken, bacon and leek in a white sauce topped with cheesy mash and baked in the oven. Nom! Will serve with brocolli. Must make sure my portion is on the small size as I'm officially putting myself back on the losing weight wagon!
Have started writing a shopping list for this week as well, will continue trying to keep the cost of the food shop down. Have been doing quite well lately, it's gone from £50-£60 a week to around the £40-£45 mark.

My most exciting news today is that my DD's all go out today, so tonight when I have some more time I can go through and check they have all gone out and I can update my signature and spreadsheet of how much I owe to all my debts! :D:D

Eyebright

Necroposting and bringing my little diary back to life!:eek::eek::eek:

I have been terribly naughty, avoiding this forum and generally spending beyond my means :(:( so I need my little diary to hold myself accountable and get back on track.
Looking at the figures I posted from back in May, and comparing them to how much money was on my CC in Januray and now...well the balance has hardly changed. This has got to change!

I have to be fair to myself though. I have made some improvements in my habits. I still have my sealed pot that I have been topping up in dribs and drabs. I have a Christmas Fund account, and there's £200+ sitting in there to stop me having a disasterous Christmas like last year that forced my LBM. I'm still using TCB and Quidco where possible.

However I have been eating into my savings spending frivolously, and this has got to stop now, before it goes too far. So I now owe myself more money than I did before. I will pay it back. I've already added it onto my spreadsheet that tracks my debts, savings and bills (another plus point in my MSE favour I guess).

13 days until Payday, and so far I'm not doing too badly, and *gasp* I have bought 2 Christmas presents already and started a list for everyone! So much better than last year!

This post probably doesn't make much sense as I'm so tired. I did house work this morning and painting in the lounge this afternoon. Now my back hurts.

I looked back at the goals I made in January, and I do think I will have paid £2k off my debt this year, though my CC is still very much alive and bloated!

Tomorrow I will post an up to date and accurate list of my debts. And my plans to tackle them.

Already have a few bits listed on ebay and have sorted out a pile of stuff to put on there! 4 out of 5 things I listed last Sunday have bids on them hurrah!

Plan is also to rejoin the GC from next month, and join some challenges to motivate me to pay more off my debts. I'm great at letting things tick over, and never actually making much progress. Thinking dividing my CC up into 1% chunks, and finding different ways to make my %'s!

It feels good to be back

Eyebright

Morning diaryland,

Bit of a tossing and turning night last night, as my brain tried to work out how to increase my debt repayments whilst at the same time sorting out Christmas and not increasing my debt.
Last year I didn't see my side of the family until after Christmas, and I used January's paypacket to put money in their cards. This year I'm going to get them presents, unless anyone demands cold, hard cash. Also, I'm going home in November and want to take them up with me then, so I don't have to pay for postage, as I'm not seeing them over Christmas this year. Going in the middle of January instead as it's my brother's 21st birthday. I can remember when he was just a baby! :eek:
I think I will relook at my list and start to cost everything on it up, and see how much I'm going to need to sort their gifts out. I have £200ish in a bank account for Christmas presents, and once family is sorted the only other person I have to buy for is OH. From now until Christmas I'm just going to have to be super frugal. I can make this work!!!!!

Be back later for more demented ranting and worrying.