Flo's Debt Free Diary

Florence_J

Had to buy a new phone today. Turns out I must have been part of a scam because i offered an orange contract after orange disbanded. As a result i now have very bad coverage issues, and the only option was to get a new phone.

I was previously quoted 100 pounds to leave my contract early, and managed to get it down to 71.01 today, which was actually paid by my boyfriend as i do not have the money. This means i will have to pay him in installments over the next few months.

I did have a look at recycling my old phone and to my utter delight i found out that it can be recycled for 27.35, which goes a long way towards the 71.01 debt to my boyfriend. This means the debt should be cleared within 2 months.

The only problem was my boyfriend got huge buyers remorse and fell into a dazed and angry and depressed state which set me off and we didn't so much argue as were just really sad on the way home.

We've been having a lot of moments like that recently.

Because I was so bad with money before, and so dishonest, and so immature, i feel that i am having a hard time convincing my boyfriend that i am good with money now and i'm not going to fall back into my old destructive ways.

Sometimes i feel like my boyfriend sees me as someone who can't be trusted with money as i'll only buy magic beans with it.

I'm going to write to both Orange and Carphone Warehouse to make a complaint about what has happened, and EE who took over Orange, as what happened to my phone is not my fault and i shouldn't have to pay for it.

Let's see what happens next.

Florence_J

SUNDAY

1. Go for a long overdue run. Didn't fancy it in the rain so have to make up for this.
2. Apply for several jobs over the weekend (this will keep me distracted from my impending interview)
3. Volunteer at my local arts centre and watch Inside Out.
4. Write letters of complaints about Phone.
5. Learn how to use Microsoft Access.
6. Update spreadsheets.
7. Do a very frugal food shop as we are already over budget.
8. Watch Daredevil.
9. Practise for interview.
10. Work out remaining expenses for rest of month.

Florence_J

Just recycled my phone for 27.35 which will go towards my debt to my boyfriend. Need to do some sums to make sure I can save the money for the weddings whilst paying off my credit cards and covering living expenses.

I think I need to cut back. I've been living on about 70 pounds disposable income after the bills, so that is the money for social life, clothes, non work travel costs and healthcare. Maybe it should be less.

Florence_J

Just recycled my old kindle for 3 pounds, every little helps.

Had a brain wave of taking some old Kitchen electronics to cash converter to see if i can get any money for them, again every little helps.

Hopefully I'll be coming back from the shops with a grin on my face

Florence_J

I'm a bit gutted that Tescos are now doing a clubcard boost when I have spent my old vouchers due to a low cash flow month. I know I have been sent a new one, but it's only for 3 pounds so i can't boost it, and I have already used my old unclaimed voucher, and they're saying this is the last voucher boost in store, so I am a little bit gutted, but I have to accept either way I used a voucher as opposed to money to buy things.

Florence_J

By my calculations (and Maths isn't a particularly strong skill of mine) I think I have paid off 29.34% of my credit card and overdraft debt!!!! :T :j _party_ :T

Florence_J

Ok, Here are my upcoming expenses between Pay Day this Friday and my next pay day

Disposable Income is 108.38

Online Payroll Course (to get me nearer to a dream career) 20

Leaving Meal and Drinks 30

Bus home from Leaving drinks 4

Lunch in Swansea 15

Gig 7

Drinks at gig 5

Total 81

Income left 27.38

Florence_J

reality_check wrote: »

My daughter has used Depop for selling clothes and shoes and I think the fees have been low and everything sold really fast, thought I would mention incase that is of any help to you...

Hope you feel better soon x

A long overdue thank you for this. I've just had a look and this looks great for me so I will be giving it a go soon, thank you

Florence_J

sold a brand new kitchen appliance at cash converters and got 4 pounds for it. grrr. to be fair i was going to give it away as i had no luck on gumtree and didn't want to ebay it.

So far today I have made 7 quid which really isn't too shabby. not bad for a day off.

Florence_J

So Excited!!!

Just joined TCB and have seen that by doing my first shop with Morrisons through them I will get 6.30 back. That will be a hell of a start for me and I was going to do my first shop at Morrison's and spend the right amount anyway.

Guys, I think I'm in love