Starting over again- Take 2

supersaver1000

I know what you mean Shelby. The less I owe the further away my house deposit seems, which just isn't true. I think working your way to zero seems fairly straightforward, but it feels like it might be the bottom of a deep pit and then having to climb out up a steep hill. I guess it's just the start really.

Shelbi

Morning SS1K:hello: That's exactly how it feels, so strange because we are getting closer but its true the pit seems deeper and the hill now looks like a mountain...gets its the closer you get the bigger it looks lol! I guess we just strap on our hiking boots and take it step by step.

Shelbi

This morning made a PAD of £29, signature updated.

Subscribed to free month worth of netflix last night in order to encourage me to spend the month at home, yup lots of free movie nights planned, also ended up watching a documentary on juicing diets to reboot health, i certainly need something to give me energy and vitality- so will give it a go for the next 5 days nothing but fruit and veggies- already have quite a few so shouldnt need to buy anything, have a juicer too so im pretty much good to go. hopefully will give me a pep in my step.

Nothing else to report really will find some more things to stick on ebay, going to need some serious sales..lots of little bits or some big bits. I sold some cards I got free with a magazine last week for £3.50 so im sure I have other niknaks that can also go.

Will be seeing the new baby on Sunday, cards and pressies already.
Events this month- 1 leaving do, 2birthdays- total spend allocated £30 (£10 each).

Ok I best go get breakfast- orange, kale, carrot and ginger juice..erm yum! I Will be slim and financially free again...

Have a wonderful day guys, hope you enjoy the sun and have a wonderful Saturday xX

Shelbi

Good Morning Diary Land,

So last night I was up with a very dicky tummy, could be the detox but was also feeling abit crook over the last few days so just incase had to call and cancel my visit with the girls to ensure I dont pass on any lurgies...so annoyed! Still I csan see them another time I guess. Juice diet going okish- did have a tuna sandwich and some crisps but safe to say thats gone now. Still getting headaches- Today will be another day home, NSD (Plus point) will have a tidy up. maybe prep some bits for sales. Measly PAD of £4 today but its something and in the right direction. havent totalled up ynab for a while about £200 left in my account so really need to work on getting some extra income in this week...times running out...19 days till deadline, £5826 to go...not sure how I will do it, if I can do it but I will keep chipping away and do as much as I can, have gotten this far... Hope everyone has a wonderful Sunday...x

Shelbi

Another PAD £40 paid over to the credit card x

supersaver1000

£6k now just a distant memory :T

Shelbi

Morning diaryland...SS1k Im so excited by that...Its true its still a bit left but compared to where I restarted its amazing. Thank you hun for highlighting that and giving me a boost xxx

Today a PAD of £10.. been going back to basics reading NSK challenge thread for motivation, just thinking if i had just stuck it out with her id have been finished a while back. Still no time for should've would've could'ves..Here is where I am and I shall be very grateful for it and do my best to work my way through to the other side.

better today vice yesterday was branflakes with soya milk and 4 digestives....I no its bad but i'm getting better...more importantly managed to hold it in (not good for my waist though).

Ok best get back to it...shortish update..off to see about some money making threads...have a good day all xX

Shelbi

Afternoon all, made a PAD of £10 today... :0) xX

Shelbi

Evening diaryland,

Haven't logged on in a few days...have made £16 PAD in total over the last few days. Nothing to report really just a cold & trying to keep to my nsd...cannot wait until pay day...literally...hope everyone's having a great weekend...enjoy xX

Shelbi

Shelbi wrote: »

Evening all, Have no idea why im still awake, maybe too much sleep yesterday...anyway im up thinking brain wont shut down so i figured id off load and maybe find some peace....apparently all todays lessons pointed to goals...discussion with colleague, friend mentioned it, then aquaintance uploaded hers on instagram. Got me thinking about my life and to take stock...now im going to skip over the whole pity party, woe is me and the where did i go wrong part...its easier to say I brought into the wrong plan & made some colosal pants decisions...which has led me to the current state of affairs.

It occured to me if i dont take action im going to be in this rut for the next 5 years no thank you...I dont even want to be in it anylonger than 1 year...so I have a year to sort out my life & turn it around...New DFD 25/06/2015. Now i dont even know if that possible..but im about to attempt and give it my best shot... so £23,525.33 in 12 months...i cant put my life on hold any longer than that...So thats the deal. works out £1960.44, £64.45 per day...now i know currently i dont earn enough to make those payments but im going to give it my best shot and see how close I can get.

Been reading by Wezl...feed yourself on 50p per day for a month, figured if they can do it so can I...so shopping budget £15.50.
I need to start my life again..and I think ill have a better chance at that with out the noose around my neck...so anyway thats the plan tonight...maybe tiredness, delirium but ive got to try...Hand me a shovel im about to take a serious stab at digging myself out of this mess....x

Morning all,

I was reading back through my diary, trying to keep myself motivated to give myself that last push & came across this post...written just under a year ago when I set myself this task. I had £23,525.33 of debt this time last year :eek: today I have £5,747 (having made a payment of £3 PAD today).

I have 12 days left Ill be honest I don't think Ill be able to clear it all in 12 days. but I'm going to do my best to clear off as much of it as I can I've come this far...so far in last 12 months I've paid off/negotiated down- £17,778.33 :T:T I'm quite proud of this, it hasn't been a bad effort.

I have one more pay day until my target dfd, unfortunately I don't get the £5,747...so going to have to be creative and patient;).

today will be a nsd, have been listening to Allen Carr's get out of debt now to help change my mindset towards debt, once I'm out of this I don't ever want to go back...It helped me change my mind to smoking, I think it will help with my money mindset too.
Will upload a few bits to ebay..today is list 100 items for free (may be lucky)the rest of the day will be spent relaxing.

have a work do next week (budget £20) and birthday gift (budget £5)...have checked oyster card have £3.20 remaining and oyster calculator shows est travel for the week is £4.50 so will top up £1.30 at the corner shop at some stage this week. Going to need to keep a keen eye on finances until pay day...still not too far away.

Okay I best get on..hope you all have a fab & frugal Sunday xX