janegresty's diary to being debt free

janegresty

i thought i would start a diary like so many on here, as i think it will really help!

for my first post i will start with my soa

incomings
£740.00

outgoings
rent £450.00
council tax £141.68
scottish power £22.31
tv license £35.00
water £50.00
british gas £50.00
brighthouse £110.00

debts and arrears
rent £300.00
water £200.00
british gas £80.00
tv license £60.00
capital one credit card £200.00
lloyds tsb credit card £612.87
lloyds tsb overdraft £227.91
halifax bank £96.92
3g contract one £98.00
3g contract two £389.00
o2 contract £56.66
rbos credit card £539.83
barclays credit card £1,200.00
argos store card £220.00
bt £378.24

wish me luck.... i'll def need it lol :eek:

hypno06

Good luck on your journey to being debt free - I find my diary really really helps to keep me on the straight and narrow, and I hope you find yours does the same for you.

janegresty

Well today I am feeling very depressed and fed up. Another debt has come through from ''Ann Summers'' (I was a rep for a month and a half to help pay off my debts, but ended up losing money instead of making it). I owe them £244.32

I am going to write all my letters to my creditors today, but I am not very hopefull. And I have applied for a loan as I think it may help me to pay one big bill each month instead of 12 seperate ones.... and even then I can only afford it if my oh finds a job soon.

On top of all this I have the dreaded bug so not in a good mood at all. And I'm sick and tired of hearing people talking about the nights out they are having, all the stuff they are buying themselves.
And Im sick of people moaning when they have no money to buy a new plasma tv, because they blew a huge amount of money in the pub / on clothes or whatever.
It seems asthough only you guys know what I am going through.
These days its getting harder and harder not to burst into tears everyday, not to shout with rage at people who have lots of money and spend it willy nilly. They are always asking me at work if I'm going out at the weekend, and since I've worked there (6 months) my answer has always been the same ''no I'm staying in'', so why do they not take the hint and stop asking?
Sorry for the rant, just need to vent my anger and have a good cry really.
I just wish all these people who wasted money could just give us £1 to go to one of us lot struggling, so that we could make a start on our problems. If everyone did that we would be so much better off wouldn't we.
*sigh* ah well... life goes on I guess?