Joined 31.05.16

Poor_Single_lady

Thank you Tori and Dolly. I feel a lot more positive this morning. Got some errands to do then.home to study and tidy and have some time by myself.
Its getting close to the exam amd having no plans makes things easier and really helps on the debt free journey too. This weekend its no plans, but might see family tommorow. next saturday I have plans in the day and 27th getting hair done then the first weekend in september is my last one before exam. so I kind of need today free. this week at work is 2 lunches out, I think one is paid for and one is my turn so need to bare this in mind. Excluding the pub visit i am watching my credit card and bank balance very closely.
Just wish it was easier. Its not much progress this month but at least the spending isn't going up and i haven't used the overdraft so far. Those things are good. September should be quiet and not much planned for october.
I decided im not going away before christmas. I think I need to see some progress first and think about this in the new year. I was away just before lbm and so i think its best to put off the travel temporarily. I do love travel, its ultimate freedom to drop everything and go to another city for a weekend and do whatever you want. Nevermind i will do something next year for sure. Its 5months to the new year and in those 5months I can and will do a lot.
Got curry for tea and going to lidl this morning for a few bits. Exceptionally boring this morning even for me. Good luck to all, I think we nerd it more on the weekends. xxx

doingitanyway

You are doing really well. I found it hard at the beginning especially at the weekend but your mindset will alter and it will get easier.

[Deleted User]

You're doing really great PSL.

The fact that you haven't touched your overdraft & the sacrifices you are making now to become debt free, be proud lady, very proud!!

Dxxx

Poor_Single_lady

Thank you both so much for the support. I am going to work to my milestones rather than holidays. It must be amazing to get to your goal and be free of each debt. I think this will mean more to me than a weekend away.

Sorting out first credit card and loan are top priority. Then going to see how things look. I think paying off the loan will make me feel proud, i dont right now, i do really hope to in time.
Worst case scenario loan paid in october 2017. Right now its £2144 so about to go under £2000 end of aug and £750 to be paid before christmas. When the loan is done i think i will feel really free even though I will still be sitting on around £11,000 debt. But then when it goes under £10,000 I think that will be an emotional day. We will get there. It is going to happen. Xx

doingitanyway

Eyes on the prize. That's the way. You'll get there too

hannahroberts1985

Hey PSL sounds like your being very sensible. It's brining but will all be worth it when were debt free and going on guilt free weekends away :0) x

Poor_Single_lady

Thank you so much for the support. It really gives me a massive push to try and do well and so nice to wake up to. So so helpful and invaluable.
Plus in the real world when I am saying no to expensive things and needless outings it helps to know that there is a whole diary community that agrees with me even if everyone in my real world thinks i am sad and boring or having some kind of breakdown just because I want to save some money. With no exaggeration this is what some of my friends think.
Its slow progress getting other people used to your spending adjustment's they always think they know what's best for you.
I've got a bit of exam stress, truly hoping I don't feel like this for the next month. Being grouchy with everyone in the real world. Poor family and bff's! Its not always easy just right now. 9 work days before payday and 11actual days. Not too long to go really. 11 dinners, breakfasts, lunches and sleeps. I think I will have a bath and try to lose some of this head stress. Hope everyone is having productive sunday and putting their plans into place. xxx

[Deleted User]

Hope you managed to get rid of your stress headache hon.

Dxxx

System

Hello PSL, sounds like you have had a proper tough week - but you've still come out of it determined and very much on track.
Hope it's not too long until your exams and then you can relax a bit.
It will all be worth it in the long run, and you'll only remember the good times when you think back - memory is ace for that!
Catch up soon Ramble x

Poor_Single_lady

Thank you both for dropping in. Ramble i hope you get responses to your holiday budget. Glad you enjoyed your trip its so important. I wasn't going to write on your thread as I dont have any answers but hopefully other people have experience in this area.

Very boring this week. Just studying and working and seeing parents. Plans on Saturday but should be minimal spending. Hope we can all make it to payday on top of the debt. I've got £30 in bank account and £25 in purse. This means i will most likely need to use credit card a bit before payday.

This month up to payday
Phone top up next week £20
Lunch friday my turn
Food top up shop friday £15
Sunday at parents
saturday try to spend little
No other social plans- this is how it needs to be till pay day a week on friday.
Lots of studying and quiet bank hol wkend.

Kind of just waiting to pay the money over on payday and get to less lean times. I've almost eaten all of my frozen meals that I made and down to micro chips and chicken nuggets so might need to plan in some cooking after payday.

September is coming and we will all make progress. Just need to sit tight and take deep breaths and hang on in there.