My SOA / My quest starts here to be Debt Free

Mindspace

I have'nt posted any updates on my dairy in last week. Quite occupied and eventful week last week. There have been a few developments.

I'm on track on quitting smoking. Quite please with myself and the patches. Feeling better during sllep as well. Much better than when i have started. I have'nt smoked any, and already feeling my bank balance looking healthy.

I have sold 4 books on amazon raising 32 pounds.really pleased with that!

Most importantly, I have finally got 0% Mint card until sept 2008 nearly after 20 days of applying online. It would save me monthly 64 pounds on intrest alone on M&S card. Very happy and relieved with that. Don't know the credit limit yet, waiting for the card to arrive. Would be on top of the world if it covers my balance of 3800 pounds.

mumma_ib

Just a thought about the smoking, if you are going to give up, one of my daughters went to the doctors and they gave them the smoking patches for nothing, I don't know if they still do this as this was a couple of years ago but worth a try before you buy I think they cost of lot of money. Good Luck

Jacks_xxx

Awesome honey - it's all progressing nicely then? :T

I'm very intrigued by these dreams you're having...I'm quite tempted to nab couple of my friends nicotine patches so I can have exciting dreams as well! (Mine are really really dull - I dream I'm in Tescos a lot!)

The 0% card is definitely good news. It helped us no end to get loads of the debt onto 0%. When you make a payment the totals actually go down. Wow.
WooHOO! :beer:

Here's hoping it's got a nice big limit and you can transfer everything onto it.

Nice going honey! :T

Love Jacks xxx

Mindspace

Was gutted and disappointed yesterday after i had recieved letter from mint sayin that they could'nt do BT to my M&S card for £3000 as they have given me limit of £350.:mad:

Irony is that previously when i had mint card used to have £7000 limit before cancelling it for not using it for a long time.

Now resigned to pay hefty 17.8% intrest on my M&S CARD.

Mindspace

Guess, I should throw everything i have to M&S card to make me feel better!!!

Mindspace

I'm going on a stag weekend away tomorrow, excited:j :j :j , but at the same time nervous about what i'll be spending for the weekend. I think if i come out of it by spending £60-£80 I would be very happy!

Nervous really! hope i dont break my budget! Its easy day at work today and first time posting whilst at work.

sparklymessygirl

Hi Mindspace,

Just found your diary and impressed with your progress.
I wondered whether a dry cleaning tip might help you a little. I signed up for Johnsons the cleaners emails and they send me texts with special offers. On sign up I got a text allowing me to take in 5 items for £15. I don't really need to use dry cleaners too much in my current job so that the Priority Club isn't reallly worth it for me but these text offers are useful.

Keep up the good work and good luck with the not smoking

Sparkly

Mindspace

Thanks sparklymessygirl. I still think I'm under achieving than most people on here. Will try to do my best.

After disappointment with my mint card, Now my hopes are all on my tax refund. I had worked only part of the year in 2005-06.I have sent my p60 and a letter asking for a tax refund on overpaid tax, which i would expect atleast 500 and upto 850. So fingers crossed!!! It should make a big dent in my balance on M&S Card.

Mindspace

Very excited about the stag weekend. Going out tomorrow to goodwood race course for the day and later getting drunk in the town. I have never been to race course, so it should be intresting!!!

Will keep you guyz posted after i come back on sunday, on how much is down the drain!!! I have budgeted 100 pounds for it though! But just feeling the guilt!

pointypenguin

Not sure if you have sorted out the gym yet but when I was working in Canary Wharf there was an LA fitness near the Cineworld try looking at that as they always have good offers.

The Reebok gym is very swish but it is can save you a few quid might be worth looking at a change. I think LA fitness do free trials for 5 days if you look at their website so you could try it out for a few days before deciding.