Oh the shame! Champagne Lifestyle on a Lemonade budget

OnwardAndUpward81

So I've been putting off this SOA thing and snowballing? Never done either of them but it's time to just do it. Wish me luck.

Oh and I'm also feeling pleased with myself because I left the M & S chocolate mini bites that the OH put in the fridge last week. I had cinnamon cranberries ( super yummy from the pound shop!) and almonds instead. and I have my 2 litre of water by my side.

OnwardAndUpward81

Tried to refrain from posting but l couldn't help myself. Looked at my wage slip and l had not realised l pay 192.81 towards my pension!?! I also thought to myself, l really need to understand exactly what my Tax and NI goes towards. It's 500 quid of my money, l really should know right? I mean specifically.

Itsa_Longshot

Hey Miss Debt, just want to wish you well with your plans since we have such similar goals - lose debt, lose weight, gain qualification! I'll be keeping an eye on this to see how you progress. Good luck to you!

asajj

Miss Debt, good luck with your plans firstly
Nowadays Youtube or smartphone apps offer good options for home workout. Yoga is one of them, especially if you have been doing it for a while, I can't see why you can't do it at home.

OnwardAndUpward81

Itsa_Longshot wrote: »

Hey Miss Debt, just want to wish you well with your plans since we have such similar goals - lose debt, lose weight, gain qualification! I'll be keeping an eye on this to see how you progress. Good luck to you!

Thanks Its A Longshot and welcome, I've subscribed to your diary and will be here for support. Good luck with your journey :T

OnwardAndUpward81

asajj wrote: »

Miss Debt, good luck with your plans firstly
Nowadays Youtube or smartphone apps offer good options for home workout. Yoga is one of them, especially if you have been doing it for a while, I can't see why you can't do it at home.

Thanks for the luck Asajj, all support is so welcomed. I'm certainly not experienced enough yet but I have been speaking to my OH about this whole debate of what I should do about this whole hot yoga situation and he has offered to pay for it for the next couple of months as a birthday present. The routine is on YT which I have funny enough tried in my bathroom after a hot shower. It does feel a bit like the debt journey without the MSE community and motivation but at least MSE is free.

Bobarella

Miss_Debt wrote: »

Tried to refrain from posting but l couldn't help myself. Looked at my wage slip and l had not realised l pay 192.81 towards my pension!?! I also thought to myself, l really need to understand exactly what my Tax and NI goes towards. It's 500 quid of my money, l really should know right? I mean specifically.

£192.81 is a huge sum when you also have debts. Can you ask for that to be stopped completely for the time being?

OnwardAndUpward81

Bobarella wrote: »

£192.81 is a huge sum when you also have debts. Can you ask for that to be stopped completely for the time being?

I'm going to find out. My aim is get rid of my loan by the end of 2016 and my goodness this would help and it's not like I don't have pension money already and can't start it back up again!

Bobarella

Exactly. And whilst you are young it's hardly the most important thing. Not compared to being debt free and on an even keel.

OnwardAndUpward81

Ok, last post of the day. What started as a rather crap day has turned into a positive one with all the MSE community support.

- I've opened a savings account with a quid to start saving towards paying of my loan
- paid money towards credit card
- found 13.22 sitting in my topcashback account from ages ago
- contacted the sales people for a tradeshow I was suppose to exhibit at to cancel. I'm hoping that there is no problem cancelling!
- look through the SOA and snowballing, I'm on the right track but August will certainly be brighter
- realised that my loan is not 8600, that's only if I left it for the whole term which I will not be doing!
- got my yoga paid for by my OH for a few months.

To do:-
Sort insurances
Get some tupperware
Batch meal prep
Have 3 more NSDs
Sign up for surveys
Sign up for mystery shopping
Sign up for focus groups
Do the money magpie thing

Have a wonderful evening all