Starting over again- Take 2

Chrysalis1976

Well done you for cycling to work and making the extra payment to the credit card, hope the weather is kinder today.

C x

Shelbi

Thanks Chrysalis1976, it wasnt so bad today, I hope you had a nice day....xx

Was abit drizzly my mood was probably worse, sure im suffering from SAD, spent the day fantasising about jumping on a plane to anywhere hot....sure my debts would find me though so prob not the best idea....would be nice though. Today I booked hotel for my besties wedding £80 needed to already rose in price and brought my dress for it (trying to cheer myself up) £28...felt guilty but both as were needed was supposed to do that next month. To offset made additional payments to my cc1 of £105 which will take it under £1000....bit reckless as its none in my budget but Ill make it work, this i have a nack for...finding it very hard to be motivated at the moment and it was either put the money to the card or risk losing it to online shopping...felt more alone today than I have in along time...maybe pms (can i say that on here- sorry to male readers)...hope its pms and im not cracking up..though I cant quite rule it out just yet lol! Feel as though im on a rollercoaster ranging from happy, wanting to cry & feeling like i could punch through steel....I think i am losing the plot if im honest because im not usually like this... think im going to sleep and try and get rid of this icky feeling, im usually a happy person honest I am, dont know whats happening....will write back tomorrow when im feeling in better spirits...sorry not the sunniest post....Hope everyone has a good evening....night x

Shelbi

Evening all,

Feeling much better today:j, have managed to stick to my payment a day (today was a penny as couldnt get to the bank but hey its something). So this weekend has been spent looking for that wheel nut key or the code no luck on either and my garage man recommended i have the manufacturer screw off the wheels as its the safest way so I have a £220 bill pending *it burns*:mad:..on the plus side whilst tearing through all my clutter to find the code I managed to box up things I no longer need ready for ebay or charity shop, felt good to declutter at least:T. Also found a pair of heels I thought id sold/loss which go perfectly with the dress i ordered for my friends wedding yay so no need to spend there! all I need is a bag & shawl, I know i sold the bag that matched those shoes though...ill see if any friends have something to go with it, its not for a while so something will come up.

Read some fab threads & articles to motivate myself again and stop myself falling of the dfw wagon...one thing ive been reading is stressedstephs diary (thanks for putting me onto this one Chrysalis1976 youre an angel hun:cheesy:), I learned about Mr Dave Ramsey...have to confess I didnt shell out for the book but did listen to his free Total Money Makeover on youtube audio book on you tube...man's a genius & has lit a fire in my belly again....Thank you!!

Ultimate goal is to clear all my current debt £24,954.98 in 18 months from now...DFD 1st December 2015!! Time to become a gazelle!! :starmod::starmod:
Today cancelled my £50 monthly premium bond saving. Monday will email HR & decrease my pension payment from 10% to standard 2.5% (dont want to cancel it completely as its matched by work....like snubbing free money) but that will put an additional £180ish in my account toward debt repayment. Other things I can save on like cinema dd& mobile dont end till Aug/Sept but ill be looking forward to that saving too. Letters for cancellation will be typed & reminder set in diary on Monday so i dont forget. In truth I get paid a decent wage and could manage this if i actually stick to it and dont fritter or give my money away....its time to get serious...and actually do this properly this time...I think I just had my 3rd LBM...the lucky one?!

Tonight im staying in saving a few pennies, home made hair mask (egg yolk, coconut & olive oil) and a dvd from bunch i liberated from the depths of my cupboard...made pasta sauce today cheap, simple & yummy from basics lurking in my cupboard- can of tomatoes, courgette on its lat legs, onion garlic, pepper & seasoning with grated parmesan. Ive only used £10 of my shopping budget & £6 of that was on cat food...im telling you being a veggie has its perks, if i had known this id have turned years ago...Will need to grab a few bits tomorrow, but pretty much diet will be pasta, dhal and chilli...cheap as chips...car bill and dublin trip/ hen night payment are going to make it tight this month...still it happens and thank god I can manage them, im really grateful...

Plus points, my other bestie sent us a list of fun things to do on our trip including, cheap meals & voucher offers...I do so luv that about her. Already have my friends birthday gift so saved there, also came across a 30th photo frame I received and never used, perfect additional present!!. FX card has come and has been activated, really happy with this, will use again in July for hen night then if by miracle something left will take out via cash point and drop on cc1. No outfits to buy as have everything/will make do, club entries paid for so just food and drinks im thinking a top up of another €100 should do it. Praying the theme is something i already have in my wardrobe, so all that's needed is the t-shirts......ok one month at a time...let me get through June- one mini break, one car repair bill & one birthday night out...sorry im rambling, just excited for this month. 1st June tomorrow and restarting 30day shred fits perfectly with the month also get to make use of my nutribullet, also gathering dust...gonna be a whole new me...time to live how others dont to have a life that others wont have...im excited!!! Roll on June Im ready and waiting!! Lets do this :j X

Shelbi

Happy Sunday folks,

have made a £5 payment to cc1, cannot wait for my back transfers to complete tomorrow to make some more payments am desperate to take cc1 back under £1k, 3 figures much easier on the eye..I plan to have it taken out in full for July:dance:

YNAB is helping me not to lose my mind and plan my outgoings much better so feeling pretty comfortable. Just gotta stick to it..
Have completed day1 of 30day shred:j and breakfast was blended fruit&veg left over with some Maca powder& wheatgrass to boot_pale_....operation summer body in effect!!

Aiming for NSD today, which means staying in, dinner will be pasta & sauce I made yesterday...cant be bothered to hit the shops. Ohh that reminds me read a real good article yesterday on cutting shopping bill down- shop backwards- so head over to frozen section first for fruit and veg, sausages,meats etc :money:...fresh veg/fruit is right at the entrance and funnily enough is the most expensive items as they spoil quickest...anyway thought id best put it out there as may benefit someone. ok nothing else to report..hope you all have a fab Sunday...see you later x

Shelbi

Evening all!!

CC finally under the 1k mark :j, very happy about this!! Have done my gratitude list, and did stock take of my freezer so I know what i have, still no food shopping done, good job really...found a few gems....still need to exercise, if i do sit ups through holby will that count...taking car in tomorrow, have budgeted £220 am praying it will be less...please let it be less..
No sign of any IOU payments coming in, but I live in hope...counting on it for car insurance next month, really dont want to use cc...maybe i should cut it up and take out the option....nothing else to report just keep on keeping on....hope everyone's having a good day x

Shelbi

Quick update before I fall into a coma, today was a really fab day, got car fixed for some reason unknown to me the mechanic only charged me £100 for the job:beer:, I was quoted £170 when I called to book the appointment :j:j & the tyre guy charged me £25 instead of the quoted £50:j...Honestly mechanics are easily the nicest people around, bless them both:T Very happy about this, I hope they have a really profitable month... did get a cab to the dealership to pick my car up, but did jog home when I dropped it off in the morning, aww and it was washed and hoovered when I got it, that usually costs me £10 and it was well over due, seriously nice lovely people at that place...hope nice things happen to them both, bless them!! Popped into my nans who made my fav...took a nice tupperware of the good stuff home with me...oh and a mango too all in all was a really nice day....feeling very grateful for today...made an offering of offering of £8 to the cc1 today, will bank the rest on Saturday...10p earned quidco quiz (every little helps) & £10.67 cashback awaiting payment on next payment run...thatll go straight to cc...I best sleep, shattered...hope everyone had a fab day & an even better one today x


Its a good day to have a good day

Shelbi

Good Morning diaryland,

Aiming for another NSD today! need to head to primark to take back some bits & get refund, waited untill Sunday so i can swerve the car parking- £2 saved is £2. Had my iou paid back was supposed to be £140 was given £200:j as a Thank you very grateful and happy about this. It literally pays to be kind...


As a treat went to get my hair done- (have done it myself for about 8months maybe longer as a result had it cut off, thing about doing your own hair is it got damaged & was breaking off), im not a hairdresser and whilst i saved pennies I did damage my locks. So new start and ill grow it again. Sadly I will need to go hairdressers for treatments to rebuild condition. So going to have to make an additional £100 to cover this/ Cut down on something...cant be going bald lol!! On plus side the new style suits me so I am happy and will be less time to do so its time saving at least. hairdresser advised that ill need fortnightly treatments but eventually can drop down to monthly...so not so bad by then will do conditioning treatments at home.

Gorgeous weather and I have a couple days off to relax before i go back to work:j. Going to visit my grans, relax and come up with some money making schemes- first step will get into the cupboard and upload all the bits i dont need to ebay/gumtree.
Going to ask nanna's if they have any bits they dont want/need;) ...you never know lol.

Didnt get to the bank again so have £190 left to pay into the bank, loaned my father £40...literally had no choice it was an emergency:wall:

Also brought earrings had eyebrows threaded, brought eyeliner.....this is like confession. On plus side I saved some money as I did my own nails, will give myself a pedicure & facial later too....savings there, do believe this comes under frugal fun:rotfl:

Have also lost 2lb..probably the hair:rotfl: but am feeling good, amazing what a new do can do for your confidence...so thats whats happening in my so called life... have a happy Sunday x

Shelbi

Morning MSE land... Happy Monday!!

Beginning of the week, a productive week hopefully, first time in forever i have time to myself...money banked and paid to cc1...have paid 70% on debt1 very happy about this. Off to visit the nannas later, have prepaid rent (for this week), coming to the conclusion I cant have cash on my person, somehow it evaporates lol! Thats my cash for the month unless I get some unexpected funding...*fingers crossed*...anyway off for some frugal fun (visit my nan's... always a giggle)....have a fab day folks x

Shelbi

Good morning MSE land, thought a quick check in before i head off to work, its a gorgeous day today. This morning have offered up £2.50 to the cc1, will be cycling to work, taking lunch from home best make it sandwiches & bottled water...am not buying anything today.... will go to the park and stock up on vitamin D...today will be another no spend day...I love it!! have a fab & frugal day...see you later x

Shelbi

Quick check in before i head off to work, packing half done for Dublin, will do rest tonight worst case tomorrow, will not be counting spending money as spend day as its prepaid, anything over will be but praying that wont happen. will send a few pennies to CC1 to stick to my payment a day. Meeting my friend for drinks tonight, time to enforce the dry month exception no more than 3 glasses max..should be good fun though, always have a laugh with her shes hilarious and a sweetheart. Will be taking lunch in but using train rather than biking it...will make a nice change.nothing else to be done still havent uploaded my bits to ebay, maybe i should do that at work? Im such a procrastinator, also havnt done my 30day shred should be on day 12, ive a lot of cathing up to do, and its weigh in at work today....lord help me!! Anyway must dash, hope you alll have a fab day, sun is shining weather is sweet.... xX