Joined 31.05.16

maddiemay

Great news, time to sit down and make a plan and set a budget to get this millstone from around your neck so that you can get on with your life without debt and living within your means. It may well not be easy, but no one ever promised it should be:D

Good luck.

GoingToDoIt

Phew well yes that is good news! Less credit cards will be good....next goal is to close card 6 then there's only 5.....I had 5 at one point, now I only have two.

Verbatim

Fantastic! So goodbye to the loan at least. Stay strong PSL!

Poor_Single_lady

Awww thank you. I can't do much till Monday and not counting it as a done deal until it's in my account.

But it is good.

coastalchick

welcome back!!!! Excellent news! Lots of love xx

louby40

Fantastic news. so come next week the money usually allocated to the loan should then be thrown at the smallest credit card. Set up a SO so that it automatically goes out every month.

so pleased for you

Poor_Single_lady

Thank you Coastal and Louby both very much.
I need to have a frugal April which does look possible.
Tommorow I get my pay slip so can make a concrete plan.

Recently I've cut down my social life and been so much happier. I also went to the cinema on my own which felt really good and free. Going to do that more and keep alcohol to a minimum. It sounds quite reclusive but it has been really liberating.

coastalchick

I LOVE going to the cinema on my own!!! Used to do it regularly when I lived in london and you're right, feels totally liberating!

Nothing better than being comfortable in your own company - then you know you can always survive x

maddiemay

Another one here who enjoys lone cinema going, although not been lately, just got lazy about doing it. I do go with OH occasionally, but there are plenty of films that I would enjoy that he would not.

Poor_Single_lady

Thank you Coastal and Maddie. The cinema on own must be more MSE too. Anytime you go with anyone else they always want to eat something first or after whereas on your own you don't need too or can if you want to.

Plus it's way more streamlined and quick. No hassle. My friends are always late and it's annoying. On your own you can arrive, not have to talk to anyone, see the film and then go.

Plus My trains are at awkward times and sometimes I need to rush to Make them or risk 40 minute delay at train station or having to get one with 15 stops when I prefer 2.
People who live in London don't seem to understand this concept and it can be very annoying.

Plus the cinema staff acted like it was Completely Normal to be on your own. But I would say this probably isn't something I would do at home, only in London. But will again. It's very cheap entertainment and I loved it!

HSBC have changed/ruined the internet banking and now I have to wait for my payslip at work later today to see my pay. They're just so helpful! Thinking about changing banks when the overdraft is paid up.