Oh come on! Stake through the heart. A little sunlight. It's like falling off a log"

Buffythedebtslayer

"Bottom line is, even if you see 'em coming, you're not ready for the big moments. No one asks for their life to change, not really. But it does. So what are we, helpless? Puppets? No. The big moments are gonna come. You can't help that. It's what you do afterwards that counts. That's when you find out who you are.”

Joss Whedon (Script from Buffy)


I do love a bit of Buffy on a New Year's Eve

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A new diary! As an old timer who has dealt with her debts once I hoped never to have to do this again but life being life here I am again.

I got out of debt in June 2011. I had a loan back then which I over paid and finished over a year early. I then borrowed 7000 pounds in December 2012 to pay for my Masters, some work on the house, medical stuff and a car and have only paid off 2400 this year. It is on a 0% cc so I haven’t been focussed at all.
I gave my notice in on my nightmare job this year and this has slowly slowly helped me feel better about things although moneywise it is interesting as part of the money I had borrowed is now my emergency fund as my new job is not permanent. I am only working till July and it is a lower rate of pay.


Unfortunately, my beloved car is on his last legs. So now I am faced with having to buy a car. I toyed with the idea of borrowing more but hate the thought so am using my emergency fund and going to be as tight as I can and earn as much as I can to make sure I have an emergency fund by July.


Currently the debt stands at 4500 (paid off 100 pounds today!)


My goals for 2014 are


1. Finish and submit my dissertation
2. Finish my Tefl course
3. Pay off the credit cards - £4500
4. Declutter and reorganise the whole house.
5. Save 5000.
6. Be good at my job - be organised, confident.
7. Get and keep a boyfriend. a honest loyal tall funny kind solvent man.
8. Loose two stone.
9. Complete a half marathon
10. Drive on the motorway
11. Make and keep male friends
12. Write. everyday.


Long term am debating between a house, travel or 3 months off work....
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Challenges I have joined


1. 50p savers
2. 20p savers
3. Sealed pot Challenge
4. Pay off all your debts by Dec 2014
5. Frugal Challenge 2014
6. Take your Lunch to work
7. £2 savers
8. No spend days


plus some others I am sure!


To any newbies reading this, this website is incredible, full of so much information and help plus some of the BEST people I have ever met. I genuinely believe they have changed my life. Thank you to all my readers by the way - you are fab and have no idea how much you mean to me. XX


Well I am celebrating new year with my Mum, I am looking forward to the new year. So many possibilities and adventures to be had.
Here's hoping!

Happy New year MSE XXXXXX


xxxx

Buffythedebtslayer

Saved for updates

scaredy_cat

subscribed!!

Happy New Year Buffy, *hugs*

Emzilla

Hi Buffy

Happy New Year - I hope 2014 is amazing for you

Emz xx

urg123

HAPPY NEW YEAR BUFFY!!!
This is going to be your year - I can feel it.
Urg x x

WantToBeSE

Happy New Year, Buffy!

please-let-me-be-lucky

Happy New Year and new diary Buffy Xx

Jonesy88

Happy New Year Buffy and happy shiny new diary! xx

beanielou

Happy shiny new diary Buffy

Buffythedebtslayer

First day of 2014


Good things


I watched Avengers assemble (excellent)
I walked the dogs.
Dinner was nice.
More people on the 50p savers thread
haven't spent any money.


Was ill and we had a family dinner which wasn't SO bad. and my holiday is running out.
oh and the house is a mess.


still working on that.


was going to write something......sister has just turned up on Skype.......


brb
xxx

Sun_Addict

Subscribing to your new diary Buffy! Happy New Year and happy new diary!