Debt Free By 2019?

onedaysomeday

Today has been a quietly productive day, also a NSD which is always good.
I did have to book in for a haircut today as OH pointed out to be yesterday that I have a big gap at the back of my hair. I've had this problem for years but now that it's noticeable to others I'm quiet paranoid so hoping to commit to getting regular trims and slowly get it levelled out - I'm not brave enough to get it all chopped to the same length in one go, that would be a lot of hair :eek:

I've been trying to be more gentle with the hair at the back when brushing and styling but I think I'm really going to have to cut down (according to various sites) on how much I wash it and style it (heat style). I work every week day so I will have to get in the habit of sticking it in a ponytail or a bun and just going over the bits at the front with straighteners where necessary, and only washing every other day. I wash it every day at the minute but I will just have to learn to become friends with dry shampoo!

I also need to commit to taking slightly better care of myself and start taking my vitamins and exercising again, I have also used my last Audible credit on a book called "The Self-Care Revolution" I didn't realise it was only 4 hours long but it could still be useful

Lunch was paid for by my nan for our weekly meal, and I've made a few pennies from surveys today so all in all a good day I think

lonelyrat

The lashes were a bit much for me! The blush was what was funniest though... I think maybe I'm just very pale because the colours were really, really bright. I looked pretty ridiculous!

Glad you're feeling more positive! The book sounds good and so does your weekly baths! Very jealous... Me and OH used to have a bath in our flat and it made me so happy. Now we live with his parents it's just showers which is really sad!

Sorry about the situation with your OH/ his ex/ their children. I used to be with a guy who had a daughter and it was quite difficult for me... Partly because I was younger than him and didn't really have a desire to settle down as I was just starting at University. Somehow we fell into a relationship anyway but I didn't meet his daughter for about a year! I just kept putting it off which was maybe bad of me. I'm sure it'll all work out for you though and if they're going to plan things better then I'm sure things will get easier!

onedaysomeday

We only have a bath here so sometimes it is irritating having to have one and I do relish the showers at OH's especially in the morning before work! :rotfl:

Yes he's quite a bit older than me and they were married for a long time so I guess it was never going to be plain sailing - I imagine its partly to do with her bf not being very involved that she's reluctant to let me be involved (the cynical part of me wants to say she's a little jealous that she's not the one with the partner actively trying to be involved as past events indicate but trying to do less of the cynical stuff ) so we are hoping and praying he steps up!

Week off of work for me next week, driving lessons are going well and looking forward to driving to see OH's family weekend after next so going to bed positive tonight! I'm also relieved my haircut didn't go badly - I've had various cuts before where they have taken so much off, or have obliged with my wish to not have my hair trimmed whilst highlighting it, but not feeling the need to bring to my attention the left side of my hair was about 3 inches longer than the right side - and I wish that was an exaggeration :eek: . I did get quite a bit taken off but he showed me right from the start how much would be coming off to even it at the back where my breakage was, and I'll be more careful going forwards with brushing it/trying to use less heat/getting regular trims so it should grow nicely from now, fingers crossed. I just couldn't bring myself to meet OH family with a gap in my hair at the back that was obvious enough for OH to notice

Was in town for a while and didn't spend anything more than the cost of my cut, walked to and from town and to my aunts to collect my old bike and rode that home again. Tomorrow will be a NSD as I have literally nothing planned other than some relaxing and pampering myself, painting nails etc ready to go into next week feeling good - hope everyone is having a great weekend!

onedaysomeday

It's been a whole week since I posted, it's been relatively quiet on the home stretch to payday and I've been off of work and not really done much with the time. I'm just waiting for the bank holidays to pass so my bills can go out and get cracking with the debt repayments.

I've decided to start the 30 day shred on Monday as I'm still slowly gaining weight whilst not running, although I think if I can make it through the next week with no pain at all in my foot I will attempt some gentle running and hopefully I can pick it up again.

On a vain and TMI note I started using a spray from boots that you spray on your back to keep the skin clear and it appears to be helping, I struggle with that area as its not the easiest to clean! I also have only used my straighteners once in a whole week! I suspect that is mainly due to me not having to go to work for a whole week, we shall see how it goes next week but I'm trying to plait my small fringe to the side to avoid straightening it, and put my hair in a ponytail or bun. I've also tried to moisturise everyday and can see a difference in the condition of my skin around my thighs and butt :rotfl:

I started reading Fearne Cotton's "Happy" and I like what I have read so far!

Also, some super awesome news. Once OH has moved into a bigger place, his ex has decided that I will be able to meet his kids. Kind of out of the blue, but apparently she has decided that we are happy together and at some point will move in together, and there's nothing she could do to stop that, and she doesn't want to stress about it anymore. So cue desperate scrabbling to try and find somewhere bigger for OH to live :rotfl:

This is not a very DFW post at all, just muddling along until Tuesday until all the pennies go out

onedaysomeday

I cannot wait to go to sleep tonight,

Mainly - because when I wake up my bills will actually start pinging out to where they are supposed to go, and money will go to my savings too.

Equally, because I am exhausted. I woke up feeling really rough today but ploughed through my short shift and then cracked on with the first day of the 30 day shred DVD which it got to a point where I really regretted even trying and wanted to cry but when I paused it I was 15 minutes into a 27 minute video so told myself I could push through and I did, even if some bits were a bit half hearted and struggling.

So I finished it, and was more grateful that I did when I got home and went to take my "before" pictures and put on my newest pair of gym bottoms (so not stretched out yet) and I was spilling over the sides of them oh well, I've taken the first step now, and there's some running on the spot in it so I can gauge my foot as I go along too.

For now, I'm relaxing with a coffee before I have a mock driving test after which I will have dinner and crawl into bed - not a DFW post in the slightest but oh well

onedaysomeday

Hurry up tomorrow!

I am all tucked up in bed eager for the morning to wake up and pay off some debts, and see some money in my savings pots! Admittedly not a massive amount in each but it's a start!

My mock driving test went okay - up until we turned back into my street I had passed but i turned in as I thought the approaching car had flashed me and it turned out it just looked like it as he went over a speed bump, but I take comfort in the fact that I will be ending the test in a test car park I have driven to/into hundreds of times rather than my rubbish road, and some of the minor faults were easily avoidable things I don't normally do, and as I have done them I know I will keep a better eye out on the actual test.

Two more lessons to go, then an hour or so of driving beforehand on the day - I can't decide if I'm excited or nervous. I feel a little more reassured after today that I'm capable of passing, I just need to not let nerves get the better of me on the day!

Having a nice early night tonight, hopefully wake up feeling better tomorrow, will be reading a little of my book then off to the land of nod!

onedaysomeday

The day to make payments finally arrived hooray! :dance:

With some jiggling around of repayments I managed to settle all 4 small debts I had been thinking about settling, paid over £500 in debt repayments today and whilst I only have enough left now for my allowance, that was kind of the idea! My debt is now over £1,300 less than it was

The Lowell debts were very easy to settle I just did that online but the other two.. I've never struggled so much to get a company to take my money I was on the phone for aaaages. But hey ho it's all done now!

I also managed day 2 of the 30 day shred despite feeling achey and still feeling rough. My early night last night did not happen I tried and tried but was still awake at 1am

The only things I need to do now really are withdraw my allowance and my nan's cash from the bank on my way to the train station later then everything else left in the account are DD's to come out when they need to.

I will pop into NatW tomorrow as there should be a letter there regarding my packaged accounts complaint, for some reason as my address is different to the last time I used the account (now closed and overdrawn) they won't send their final response to me in the post to my address, even though they have sent a final response about another complain and statements to where I am now, so I'm hoping it's gone in my favour if they are keeping it safe! It was supposed to arrive within 7 working days which is tomorrow so will pop my head in. I spoke to a gentleman in there who did say he would call if it turned up but he popped my name and number in such a scruffy note pad with no explanation alongside it that I'm not holding my breath for him to call :rotfl:

onedaysomeday

It all seems to go quiet on the DFW front after the intial rush of payments out of my account for debt repayments :T

I went into NWest yesterday and the letter still has not arrived - I'd worked yesterday out to be the latest out of "5-7 working days" including weekends Easter etc so was a little annoyed when the lady in the bank said it was probably delayed due to Easter - she too took my number but actually wrote down my name what letter I was getting etc so slightly more confident that she will call when it arrives - it should be any day now even if I allow extra extra time for Easter!

Yesterday was a nightmare OH drove down to see me so we could go to the cinema then back up to his to save me train fare, by the time he got here (late due to his ex being stuck in traffic to pick up the kids) and him having not realised by me asking "can you bring some protein powder in your shaker and I'll add milk" that he needed to bring said shaker for me to make a drink in, I was tired, achey, and hungry and coming to the realisation we were about to sit for two hours and not really talk, come out starving at around 9pm, then go home eat and go to bed. I don't mean to sound fussy but on the days where we see eachother from around 7pm and I have to be up at 5.45 the next morning, I prefer to be able to talk to him for the whole evening. The shaker thing is funnier to me today than it was yesterday though - my face methinks reflected the pain in my muscles when I realised I wouldn't be able to have a protein shake

Anyway, so we then went to what calls itself a buffet restaurant/indian restaurant. Turns out that the buffet is only on a Sunday (!?) and their Indian menu was not that great neither was their wine so we pretty much just had poppadoms with the dips and paid and left. It was really awkward as the waiter was really pushy trying to find out why we were leaving, asking loads of questions. We eventually ended up in Spoons which was okay until I found a hair in my food - was so relieved to get home in the end :rotfl:

I'm onto day 4 of the 30 day shred - the night before last night was funny I couldn't really get up or down unaided :rotfl: thankfully my body is getting used to it now!

Lots to do when I get in tonight, mainly tidying but also packing a tiny case for going to see OH's family for the weekend, very hard to pack when he has no plans set in stone...! Ah well :cool:

onedaysomeday

Well the working week is nearly over! :j

I am very impressed with myself as I have managed 5 full days of the 30 day shred! I think it will be done 5 days a week whilst I am at work as my dumbbells are here and, whilst they aren't very heavy, I don't know if I can be bothered to take them home at the weekend! There's also no guarantee I'll get the alone time downstairs at home (my room barely accommodates the double bed and drawers so definitely no room to work out) whereas it's guaranteed at work as I work by myself. It just means I'd get it done in 6 weeks as opposed to 5 if I had done 6 days per week of it, plus I'll more than likely just go to the normal gym one day at the weekend or swim instead so I'm still keeping active. :cool:

Roll on 6pm then off to the train station up to OH, then on wards in the car to visit his family for the weekend. The hotel looks really nice, includes breakfast, and has a pool and Jacuzzi bit too, so really looking forward to getting there. I did text OH and ask if he could pack in his bag a top that I wanted to wear for lunch tomorrow as it's quite loose and I won't feel as self conscious about my recent weight gain (turns out to be 9lbs!) but apparently the top has only made it into the washing machine today since it went in the wash basket just under 2 weeks ago - men! :rotfl:

Going to try not to spend a lot this weekend but OH likes to shop - I will just be window shopping and letting him crack on :rotfl:

Have a great weekend everyone! :beer:

onedaysomeday

Well the weekend away was lovely - the hotel was really nice and had a lovely evening on Saturday at OH's sisters house with her husband and OH's best friend from childhood, laughed and had a really nice time. They make me feel very welcome even though this is only the second time I have seen them I also did not spend a lot just the odd coffee here and there so could have been much worse!

Had a driving lesson last night, have one tonight straight from work & then the next time I see my instructor will be on TEST DAY! I feel quite excited about it at the moment but I'm sure nerves will kick in after my lesson today as I know that's the last practise run, so to speak. The weather forecast on the day is cloudy but dry so fingers crossed it stays that way! I keep eyeing the traffic conditions around my test time at work and it seems fine :rotfl:

Still awaiting my letter from NWest I think if I haven't had a call by tomorrow I will pop into the branch Wednesday and if there's nothing, call NWest as there was a number to call if I had any further questions.

Not much DFW at the moment, just plodding along until payday trying to spend as little as possible :A