Time to stop burying my head in the sand!

[Deleted User]

Got the kick into reality I needed when was effused a loan to consolidate my debts.


Wrote down everything I owed, spent, etc. What a shock ! I know we've had Christmas, but was spending more than I actually earn without realising it!


I am very lucky to have a full time job. Something that hasn't always been the case for me. can't believe how stupid I've been with money . I've never budgeted, but will be now, as have been spending money on. . .stuff.


Am determined to get on top of my debts this year as would also like to save for a house. Want to be a debt free wannabe whilst having (free) fun.


Love reading the other diaries, etc to keep me inspired .

[Deleted User]

First thing I think will be to actually have a budget for a month. Was really surprised at how much I was sending on my card AND taking out of the ATM as well as my loans and cc loan.


Good luck to all Debt Free Wannabes'. 2017 is going to be our year to smash this debt.

Bobarella

Good luck Stressed Welsh Girl, wish you all the best.

[Deleted User]

Thanks Bobarella. Really need to make a go of this. Got my determined head on .

Disco_Dolly

Best of luck on your debt free journey, you sound so determined, first step taken, onwards & upwards (or downwards debt-wise!)

[Deleted User]

Thanks Disco Dolly.

Right, here goes ;


cc debt: 4148
loan: 753.63
loan: 3799.25


= £8700.63 (I feel physically sick ).


That's not even including the overdraft. I could cry. I know compared to some people's debts, it's not high, but for me, I cant believe I got to this place and nothing to show for it.


Going through my budget though was an eye opener, I took over £350 out from ATM's. I don't need that much in a month and spent WAY more than I earn.

Feeling thoroughly depressed right now.

Poor_Single_lady

:hello:

Please don't be depressed. You are here now and getting it sorted. Wishing you luck. xxx

[Deleted User]

Thanks Poor Single Lady. I don't know where to start really. At first I thought should I just pay off my smallest loan. Then I thought maybe I'll try to read up what 0% is, then thought maybe I'd jut pay off a load on my highest interest card. Arrrrgh!!


Oh, I can't post smiles on my computer :-(.


Had a NSD today. Nearly went to the shop to buy coke and chocolate - neither of which I actually need! Would've been yesterday too, but had to buy some medicine.


Have started to look at how to get some freebies, and then either use them if I run out of things or maybe uses them as presents.


Ugh -why id I get myself into this mess? Am so cross with myself.

[Deleted User]

I also found out I wasn't on the electoral roll, - I moved - but forgot to update this! Maybe that'll help my credit score in the future, because have completely messed it up atm. Although I can't even look that up!

[Deleted User]

I found £1.50 .. .well it's a start.

[Deleted User]

So have bought not lunch, but had prepared meals instead. This has probably saved me roughly |£15-20 this week.


Ooh - 2nd no spend day today too :-).


I really, really, really want chocolate!