Diary of a someone who wants to cut the debt and buy a nest

laurag89

I agree about the no credit card till 25! I would defo not agree to having one now.

Thank you I am very determined to clear this debt as quick as possible! Coming on here helps massively to keep me focused!

Good on you for having your head screwed on, you will be thankful you did later on in life!

x

2heartsx

laurag89 wrote: »

I agree about the no credit card till 25! I would defo not agree to having one now.

Thank you I am very determined to clear this debt as quick as possible! Coming on here helps massively to keep me focused!

Good on you for having your head screwed on, you will be thankful you did later on in life!

x

Thanks :rotfl:
I know, only been using this site 'properly' for a few days and its helping x

2heartsx

I am so tired
Finshed work yesterday at 8pm than had to get up at 4am to be at work for 7am thank god I don't have to-do the early shift again :j
Pay day on Friday needs to hurry up I have £1 left till then,thank god food and travel to work is covered:money:
Going to-do a budget every month so I'm not skint at the end of the month and have enough to pay off my debts and hopefully have enough to add to savings:D
Got some things I want/need todo before sleepy time:

*Wash all the clothes in wash basket [STRIKE][/STRIKE]Shoved them in washing machine than a bit of bold than comfort.
*Clean bedroom[STRIKE][/STRIKE]
*Upload codes on dailymail rewards
*Catch up on some reading
*Catch up on eastenders:cool:
Night x

laurag89

I find making a budget really works, and I used to be skint 2 weeks before payday every month, now I end up with some left to pay towards debt.

Keep going, this site helps a lot with keeping focused.

2heartsx

laurag89 wrote: »

I find making a budget really works, and I used to be skint 2 weeks before payday every month, now I end up with some left to pay towards debt.

Keep going, this site helps a lot with keeping focused.

Have to-do a budget and stick to it, last pay day I spent £350 in one week so was left with £50 :eek:plus money OH gave to me. Never will do that again shouldn't of overspent at Christmas. i'm focused:j:money:

Rebus81

Hi - just had a read over you diary and would like to reiterate what the other peeps have said - good work on facing up to the debts now at only 19 and wanting to have a serious financial goal in order to get the best from life! I was a terrible teen with money! I even took out 2 crisis loans from the Govt when I was only about 18, which is ridiculous looking back!! I used to cash cheques left, right and centre and had numerous credit cards and loans. I did get completely debt free...actually, I've had to get debt free on more than one occasion! I'm actually back in debt now (approx £10k!!!) but started my diary only a week or so ago in order for me to get back in the black!!

I can't wait for payday on Friday either. This month for the first time, I'm going to budget! I'm literally going to withdraw my fuel, shopping and fun budget from the bank and stick it in separate envelopes. I think that will help me a lot as I can easily blow £300+ a week otherwise and then get stuck!!

Anyway, I'll subscribe to your diary and watch you leap out of debt!

2heartsx

Rebus81 wrote: »

Hi - just had a read over you diary and would like to reiterate what the other peeps have said - good work on facing up to the debts now at only 19 and wanting to have a serious financial goal in order to get the best from life! I was a terrible teen with money! I even took out 2 crisis loans from the Govt when I was only about 18, which is ridiculous looking back!! I used to cash cheques left, right and centre and had numerous credit cards and loans. I did get completely debt free...actually, I've had to get debt free on more than one occasion! I'm actually back in debt now (approx £10k!!!) but started my diary only a week or so ago in order for me to get back in the black!!

I can't wait for payday on Friday either. This month for the first time, I'm going to budget! I'm literally going to withdraw my fuel, shopping and fun budget from the bank and stick it in separate envelopes. I think that will help me a lot as I can easily blow £300+ a week otherwise and then get stuck!!

Anyway, I'll subscribe to your diary and watch you leap out of debt!

Hey thanks for reading
I think young people don't realise how bad spending and borrowing lots of money can be so they get into debt easily. You have got outta debt once so I'm sure you can do it again:j
I like the idea of withdrawing all your money and putting them in envelopes (might steal that idea):D
Thanks for subscribing and hope you can say bye bye to those debts soon :T

2heartsx

Got a day off today :j
Spending it watching flims on Netflix with the OH
OH got paid today so he gave me £50 towards paying off the council tax from our previous flat than I will pay the remaining £68 which will mean that's one debt paid off :beer:
Spent the last £1 I had on a sandwich on my break because OH chucked my ham for my sandwich in the bin by accident .
A few days ago I put some of my old clothes on a local Facebook buy and sell page,so far noone has responded so going to re post them tonight:)
Going to get outta bed and make some scrambled egg on toast and have some coffee:A

Rebus81

2heartsx wrote: »

Hey thanks for reading
I think young people don't realise how bad spending and borrowing lots of money can be so they get into debt easily. You have got outta debt once so I'm sure you can do it again:j
I like the idea of withdrawing all your money and putting them in envelopes (might steal that idea):D
Thanks for subscribing and hope you can say bye bye to those debts soon :T

Feel free to steal the idea! Pay day tomorrow so I'm going to prepare my envelopes in the office this afternoon! So excited about planning, budgeting and saving! Never felt like that!! :T

I've got a diary underway - feel free to check it out! Hope you're right about getting ride of my debts again soon!

2heartsx

Rebus81 wrote: »

Feel free to steal the idea! Pay day tomorrow so I'm going to prepare my envelopes in the office this afternoon! So excited about planning, budgeting and saving! Never felt like that!! :T

I've got a diary underway - feel free to check it out! Hope you're right about getting ride of my debts again soon!

Sorry for the late reply
I'm sorting my budget now, a day late but better late than never :rotfl:
I will check your diary out now, love reading new ones :T