Moneysavers SOA (I need some help guys!)

Lucy1982_2

I think that might helps, once I know another one has gone and I free up some cash. I suppose at the moment I am trying to pay the OD with nothing, as I have no spare cash (as spending is bad!)

But I should drop under £9k, even with the damage I'm doing to my OD at the moment. But I am trying to stop this and limit it as much as possible.

Lucy1982_2

CharliesAngel wrote: »

A month is a long time in debt reduction terms...

It is especially when you think that by this time next month I will be Store card FREE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! :j

Then I can get my head down and tackle the OD's, I really want to do this, I just need to get my head down and do something more about it!

CharliesAngel

that's the problem with fixed payments... most of my debt is a loan for a kitchen in the flat I sold in January lol.. stuck with it and fines for overpaying.

lol @ spending is bad... step away from the sainsbury's fruit counter!

CA xx

CharliesAngel

Say 'Swivel' to the store card lol... yay!

Lucy1982_2

CharliesAngel wrote: »

lol @ spending is bad... step away from the sainsbury's fruit counter!

CA xx

:rotfl: :rotfl: It's my big downfall, I'm dieting (apparently) so fruit is a big thing as it's sweet etc. But a bit more expensive than a chocolate bar!

The only fixed debt I have was for my Bed, but it's 0% and finishes in March. Likely I can over pay on my loans (although as one ends in Feb I doubt that will happen).

I will try to step away from the fruit counter tomorrow and will try to bring a fruit salad from home. :A

CharliesAngel

:rotfl: made my own lunch today... surprised myself!

CAx

Lucy1982_2

Oh I make my own lunch.... it's just the 'other' food that goes with it I have a problem with!!

But I'll try to bring loads with me tomorrow and see how much I actually manage to eat....

CharliesAngel

Lucy1982 wrote: »

Oh I make my own lunch.... it's just the 'other' food that goes with it I have a problem with!!

But I'll try to bring loads with me tomorrow and see how much I actually manage to eat....

:rotfl: good luck... just don't pop.

CA x

Lucy1982_2

I know it sounds awful, but apparently the more often you eat the fast you metabolism works and the better you lose weight. Something like that anyway.

Generally lunch is a salad, followed by some fruit.

sammy115

Lucy, can I suggest that rather than trying to write everything down as you spend it you just ask for a receipt and put them in an envelope when you go home. Then you can add up your receipts. That is what I do!