Starting over again- Take 2

Shelbi

Okay so I spoke to soon, cycling to work bike making usual squeaky noise , starts to become really difficult to peddle and everyone is whizzing past me even though im giving it some welly to get up the hill....it wins and I take it to the bike shop...the kind man asked me when I last had it serviced..tell him that I never have (its only 2 years old) my brake pads are worn within an inch of there life apparently ...along with a few other things that I have no idea what hes going on about- just caught the end "will cost £70" :eek::eek:...
Murphy you little trickster you!!


Have left the bike at the shop and will folk out the unexpected £70:doh:wondering if this counts as emergency, probably not just my sheer negligence:o...so am going to delay my hair appointment for another week (meaning only one visit to pay out for till payday rather than two)..please lord let my hair cope, will be putting the do-rag on as soon as i get home every night to help keep it in shape..& will venture through the month making small PAD to credit card 2, I really dont want to be caught short..hen night in 2 weeks (thankfully preloaded €200 onto fx card- so grateful I did this) I will not be spending beyond that if I can help it...Still cheerful and optimistic, just going to have to watch my step until payday:)..only goal for July- Get through the month without going overdrawn & without dipping into emergency fund...really did want to get cc2 in under 3k as well:undecided...Still have the d3 payment to come out too- £450.25 (7th ish)..debt will be coming down... still happy and grateful...sun is shining, bike broke again near the shop (weird) and have no idea why but im feeling good...worse things have happened...gotta keep chugging on..right I best get back to work..Hope y'all enjoying the sunshine guys x

nannytomany

Your doing great, Shelbi, carry on what your doing and being grateful and happy and you'll be debt free before you know it. :j

Have a great weekend without spending if you can

Shelbi

Morning diary land,

Ohh wheres the beautiful sun gone:( still ill just have to make my own sunshine...have managed zero spend days- Thursday I went for dinner with the girls from work..£20:beer: including 3 courses & wine meal was amazing...thank you top table...managed to walk to work yesterday morning as I know id be getting trains around the city, popped into waitrose grabbed a green tea (free), cereal (ownbrand)& bananas...my intentions were good at least. The met up with my friends- dinner £18(starter&main) wine £17 travel £10...so damage of £45:eek: we did 6 bottles of wine between 5 of us...not good at all..still was a fun time & food was nice but wow it was expensive...On the plus side next meet up with these lovely lot will be at one of there houses so will only be petrol and bottle of wine &flowers...yipeee!

Hen night itinery in- out 3 of 4 nights (slightly optimistic but will give it a go) best news only thing I need which im missing are denim shorts....will be cutting up some old jeans today..no way im buying those, haven't worn anything like that since i was about 18, doubt I will again after that weekend lol!
Today will be a NSD I need to reach 20 and so far have none...PAD today- £5...

Happy Saturday guys, im off to find some jeans to hack up

Shelbi

Updating my signature and cc is higher than when i last updated, havn't used it, its in creditcard heaven...noooo!! if this is correct im still over 23k:wall::think:, have updated it to reflect actual figures...im gonna have to have a better look att this...one step forward 2 steps back....ready to chachacha! xX

Shelbi

Ok guess i went wrong somewhere in my calculations...so have made an additional £28.09 to cc2 to bring me back under £22,999.08 overall debt- i know a dd is coming to pay d3 which wouldve taken me back under but I really couldnt leave it above- its a psychological thing I think...goshh im sad:rotfl: ...right all is right in the world now..next months aim to get it down to 21k...need to find some extra income to start chipping away...Its going DOWN!

Right best go do something, sorry for the ramblings Xx

supersaver1000

Hi Shelbi

Just dropping in. Good to see you are under £23k now. It's funny how just that 1 penny can make a world of difference. :T

I am currently at £21,187.87 including the car loan, and I'm not sure I can send all of that to Room 101 by 2015 but I'll have a go.

My achievable target for this time next year is to have enough saved to cover my credit card debt. My card debt is £15.75k and savings are £6.5k so I have exactly £9256 to pay off or save to cover that. Then I want to build up a safety fund and pay off the cards completely (and burn them!).

I've not made it any easier as I've just reduced my hours/pay for something less stressful so I will have to go find a 'make more money' thread :rotfl:

Hi ho .....:)

ps. Completely agree about the psychological thing with the figures. And if you have any ideas for extra income. I've been watching nectar ads and now started swag bucking - it's only pennies but going in the right direction

nannytomany

Sounds like you have had a great time, gotta live a bit as well as pay debts otherwise you'll go mad. Good idea about the shorts, my husband did that with his jeans (much to my girls discust) but they looked OK, better than throwing them out.

Hope you have a good week

Shelbi

Hi Supersaver1000 & nannytomany

Hope you both had a fab & fun weekend!! Supersaver you can totally do 9k of the credit cards, even if it all doesnt make it to room 101 I know youll give it your best shot, Ill be sending mine there too..lets fill it up!

I have seen some money making threads… my fave so far was things you never thought you could sell..Someone actually sold old cartax disc they were going to throw..its brill..today I sold an empty perfume bottle for £3, not much but would’ve thrown it in the recycling…now recycled with perks…worth a look… been thinking about ways to get some more income in myself…been considering a second job- bar work or something like that…not 100% sure, do know I want to be put on the voting counter list when it comes round, my friend did it, she got paid twice, once from work & then from local council, she sid it was a ok time as well…maybe something to think about.
Other possiblities-

Avon, Tupperware, Ann Summers rep
Selling some carrot cakes…Id definitely buy some...love carrot cake!
Quizzes, surveys- ideal for lunch at a desk
Open up a bank account that offers cash incentive
Ebay until theres nothing left.
Think I need to find a money making thread too…aww scope make £10 a day thread ones…those mse’s get creative …If you find anything useful hun please let me know, ill do the same…

Nannytomany, Hi hun, Thank you, the shorts came out well but I cut up skinny jeans so when I roll them up theyre a little snug on the thighs lol…still better than parting with £20 so ill suffer it…hopefully I’ll shrink a little over the next two weeks… Your right always better than throwing them away…I even kept the legs, going to use them to make door draft stoppers:rotfl:

Hope you lovelies are well will be popping by tonight to read what ive missed…x

Shelbi

Payment update-DD payment taken today £450.25 to D3 and VSP £9.49 paid to CC2...also banked £26.34 will transfer this payment to cc2 too once my account is credited. Still trying not to spend, its hard...will transfer another £1.80 to cc2 and that will bring it down to £4499.99...using those mind trick on myself again...every little helps for sure...

Funny it was my nephews birthday yesterday, I had brought him a stuffed toy and card, then I saw my parents gift to him a beautiful gold bracelet with his name engraved. I felt guilty and decided id buy him a gold st cristopher to go with it:wall:...shops were closed thankfully at this point, when I woke up in the morning I couldve slapped myself for being so silly:o. I think it was my ego...I really dont have the money to buy such luxury gifts thats how I got into this mess in the first place.

I felt guilty about not spending more on his gift, but then thought to myself...hes a baby he doesnt care what I buy him..It was just me thinking people will think im a poor aunty or tight...truth is i no longer care, on reflection im sure he'd prefer an aunty who isnt in debt upto her eyeballs when he grows up...Im really happy I didnt buy the chain and unashamedly offered his new cuddly friend instead, he loved it too...turns out he liked the wrapping paper most....couldve saved myself a few quid there& just gave him that!!:rotfl:

nannytomany

Well done Shelbi on no buying the St Christopher, would probably have got lost anyway, if its anything like this household. I think you are right children either love the paper or the box the present was in and would it be lovely if it turned out to be his best toy that he couldn't live without, wise choice indeed. :money: