Starting over again- Take 2

supersaver1000

Hi Shelbi

At least you've realised what needs to change. It's hard, but the LBMs seem to guide us the right way, painful though they can be, and you still seem to be in a better place financially overall.

Keep going, you are doing well

Ss1k

Shelbi

Thanks SS1k, Youre right I am better off thank before I just wish I didnt take so many detours lol! Thanks hun Xx

killerpeaty

What's life if not for taking the scenic route sometimes? You're back (mostly) on the wagon and we all believe in you!

supersaver1000

Scenic routes and the odd speed bump are good. Xx

Debsnewbudget

Shelbi
You stopped and are now refocused
You know what you need to do , just go and do it and no more messing about :rotfl:

Shelbi

Aww thank you lovelies...Was really lovely to log on and see your encouraging messages, thank you!! Killer peaty your right a bit of a scenic route doesnt hurt. Ladies im on it like a car bonnet :rotfl: ...seriously though thank you guys, it means alot!!

Well today I went back to my frugal ways, cycled in, packed lunch & a nice nsd...posted off my item from ebay sales, got £30 in the end:)! Tomorrow am training for poll check so I get paid for that, hope I get picked for it as am doing reserve training can happen between now and May *fingers crossed* extra income would be well received. Have some new bits to put on ebay (ill make it back bit by bit)..but will have wait for next Sunday (best time for sales apparently ..

Really do need to get more organised and see if I can find some other ways to up my income a bit.. other than that nothing much to report...

hope you all had a lovely Mothers day yesterday (to the mse mummy's) and to everyone hope you had a fab day...night xXx

Trixxibell

Hiya Shelbi,

Like you said babes the saving point is you didn't use your credit cards. Your no further into debt babes xx

Keep going Shelbi xx

Shelbi

Hiya Trix,

Thank you hun...yeah there is that ...there maybe hope for me yet... Im definitely learning from you guys... a few scenic routes, road bumps..sometimes road works but well all make it there together lol xXx

Shelbi

Evening all,

Wow its been a while, not so much debt busting going on but more keeping my head above water and enjoying a few scenic views...thought id best check in and get some motivation..then figured id delurk and update my diary. So like i said ive not been debt busting as such, car serviced, MOT &tyres- £400 odd bill, couple of nights out and couple of clothes...nothing major but time to fess up, reign it in and get sorted.

Today spent listening to Dave audio and relearning the ways. have transferred my emergency fund in with my savings...all to santander which offers a better rate of interest. mobile transferred to get a few pennies on cash back. and need to have a good read of NSK's diary and have a word with myself. On the plus side lifes good, the weather is sweet and its all up hill from now.

Two weeks until the next payday, ive £70 in another account that will pay my share of next weeks rent and a further £95 in my purse which will be banked tomorrow and hopefully added to savings if everything goes to plan & i manage 14 nsd's *fingers crossed*

Created a new 100% grid for the last debt for the full amount- £13,958.00 am thinking to pay this off in full rather than 75%, theres no real reason I cant pay back the full amount as quickly as possible, kinda worried if I pay a settlement it will come back and bite me on the bum later down the road. So as it stands the task is £13958.00 in bite sized chunks of 1% £139.58 so far im on 16% seems soooo far away...oh and i still want to do it by June15..sod it why not..thats 76 days away I think which is £183.65 per day:eek: I know it makes no sense..its impossible but I figure to just keep squirrelling and see how we go! Ill be closer to my target than I am now anyway lol!

Goals - No NSD till payday so that 14nsds, write in diary everyday to keep myself on track again, say no to wine as thats what sends my spending out of control lol! Be happy and grateful for all I have and how far ive come. one last push...The chains are coming off this year if its the last thing I do...wish me luck & have a fab & frugal Friday folks xX

Shelbi

Quickest of updates- nsd today but did loan £10 to family should get that back tomorrow (i hope). Great day went to a retreat, was nice to decompress get focused and have some reflection time. Saturday evening spent watching movies..yup slightly dull but free..didnt make any extra money today will work on some ideas tomorrow. anyway just a quick check in to keep me on track..night all x