£16,000 debt, turning regret into positive action.

LadyP01

That's such a good idea I could also add things that I would have purchased but then decided I didn't need it and see what I have saved from those small changes!

Feeling a lot better I turned the tv off, put on a nice relaxing album and did a diy facial, nails and I thinner my hair so I'm feeling really relaxed and together again.

I also worked out our future spending per month based on our salaries when we're debt free and home owners and it's all going to be fine lots of room to play with which makes me feel secure it's my oh that puts me on edge as he's such a spender but there's money for him to spend and be happy and enough for me to save towards things that I would personally rather have.

All relaxed in my little world... must get that card and debt transferred this week.

LadyP01

Quick money check this morning...

Petrol - £20
S/world - £5
Food - £10
Social - £20
Easter eggs -£10
Phone bill - £15

I then have £40 left over. Not sure how as I overspend on the money I put aside for expenses and this hasn't come back to me yet. I have been extra careful on spending this month so I'm not complaining.

7 days to go! And the moneys looking good!!

LadyP01

I've applied and been approved for a credit card with my bank. 0% and no fees.

Transferred a total of £3580 - really annoyed I got an £80 charge in interest on my card that I didn't think I'd get till next month but everyday is a school day.

My goal is may for debt freedom but I think it's going to be June as Iv thought for a few months now.

If I'm really strict and I pull all my money in and really look at what's going on and what I'm spending I think that possibly I could make may or give it a damn good try anyway.

If I can pay £1000 off the next 3 pay days then I just need to work on the £580 and see what savings I can make every month...
extreme frugality ahead!
I do have my own birthday during that time so that will need to be low key this year... debt freedom will feel so much better than lots of dinners with friends.

Productive morning... must stay determined.

LadyP01

Smashed the to do list today.

Easter gifts done apart from one not sure what that will be yet.

Item returned

Done some food shopping today - £8

Waiting for the money to transfer over to my new card ready for payday so I can start smashing away at that.

onedaysomeday

well done

Cherryfudge

Wow, I can see you have the end in sight! Real focus!

Birthday... can you develop a sudden love for country rambles with backpacks of traditional picnic food - ginger beer and sausage rolls or something?! Sorry no other ideas but in the right weather it could be fun.

LadyP01

So close yet feels so far. Bank transfer has come through today so that feels good.

I was thinking along the same lines for my birthday but beach as it's usually nice.

Cherryfudge

Ooh... a beach BBQ? Or ball games? Sounds like the sort of thing everyone enjoys and leaves with nice memories.

LadyP01

A bit of good weather and the sea is always a win.

Wow so somehow I'm hooked on the old sugar just overnight I coudnt fight the cravings! It was insane! A mix of Easter eggs in my face and other things I just caved. I feel sick my body is rejecting the sugar badly and I feel like I'm in a sugar rush. Is this how I want to feel? Nope! I spent money on choccy which I regret!

Feeling weird like ok I had some sugar not the end of the world but I HAVE to get back on track and I need to flush my system free of sugar!
Lots of water and some excercise I think.

Need to move on for the week.

Cherryfudge

Hope you feel better soon! Sounds horrible.