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Hello strangers, I'm back....

SkintMonkey
SkintMonkey Posts: 830 Forumite
in Debt-free wannabe
I used to be totally addicted to this forum but then I think I let things slip a bit and stopped coming on here. Well I've decided to start visiting again and hopefully try and get back on track, my debt hasn't really increased since I was previously on here, but then it hasn't particularly gone down dramatically so instead of going around in circles I've decided to come back and give it all another go.

I will go through my finances later, but for the time being I thought I'd say hi and all that. So, hi.

SMx

Comments

  • iwanttobreakfree
    iwanttobreakfree Posts: 371 Forumite
    hello! and welcome back!
    Proud to be dealing with my debts!DFW Nerd No. 634 LBM: 3rd time - Dec2008 I NEED TO BEAT IT THIS TIME!
    Total Loan Debt = £[strike]13,737.80[/strike] 13,042.44, Total Non-loan Debt = £[strike]5,289.33[/strike] 4,704.45 - Total= [strike]19,027.13[/strike] 17,746.89 FEB 09
    Freelance earnings - Feb 09 = £260 so far Make £30 a day in Feb - £260.40 of £840 5 NSD in Feb 09 - 1 of 5
  • babes21
    babes21 Posts: 1,665 Forumite
    Welcome back SkintMonkey :j
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    hello and welcome back :) x
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • SkintMonkey
    SkintMonkey Posts: 830 Forumite
    Cheers, I'm determined that the time is now for me to get my self sorted on track...

    I've drafted a little list of things I can focus on to help me get started as I mean to go on:

    * Cut out the rubbish! I spend money on lunch, bits here and bits there which is all a total waste and unnecessary, so I'm going to only carry a small amount of cash with me and resist all temptations of buying lunch, not going in to town at lunch time and going straight home after work rather than going via the supermarket.

    * Sell some stuff! We have an electronic notice board at work and I'm going to use that to sell various bits and pieces - I've done this before and been quite successful. I've sold via ebay before but its a lot more faff and I have to worry about postage etc. I've already post up 4 items so starting well and we are going to go through our huge CD collection tonight and see what we can get shot of.

    * Think! Think about what I'm spending my money on, I was never very successful at keeping a spending diary, but I think if I just think a bit more before I purchase something then I'll probably save heaps!

    * Honesty! I think I need to be more honest with my better half about what I'm buying and spending my cash on....I think if I did this then it would help me realise that I need to get a grip!

    Anyway, will see how I get on. Any advice/suggestions/words of encouragement greatfully received!
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Welcome back stranger!!!!! :hello:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Welcome back skint monkey. good luck with the new motivation. How're you doing with the spending diary?
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • spud30
    spud30 Posts: 16,872 Forumite
    Welcome back Skint Monkey :beer:
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Welcome back....now get that debt cracked!!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
This discussion has been closed.
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