When you owe more than your annual net salary

Sunnysam72

LexieLou wrote: »

Thanks SunnySam72....can i join you on the journey?

Lets go for it Lexie! X

pidge04

I am excited for you! You are doing brilliantly!

monz

Welcome to the group!

Your post is so raw and heartfelt could feel every word. Everyone here is so kind and lovely you will make good friends from it

If you need tips we can all chip in with what we found useful etc. Best wishes xxx

LexieLou

lindez wrote: »

Hi LexiLou,
Just subscribed to your diary good luck on your journey. I am a recent newbie to the MSE forum, I hope you don't mind me following you. I have been looking through diaries I have quite a bit of debt myself and I am looking for ways to tackle it. I have joined a few challenges and they will be challenges that hopefully I can achieve. Hope you have had a good day. x

Hi,

Would love you to join me on my journey....

Do you have a diary I can follow too?

Lots of Love

Llxx

LexieLou

monz wrote: »

Welcome to the group!

Your post is so raw and heartfelt could feel every word. Everyone here is so kind and lovely you will make good friends from it

If you need tips we can all chip in with what we found useful etc. Best wishes xxx

Thank you Monz for your kind words, I was feeling pretty raw that day...

I'll update my diary later with my spends.

Off to do some work, thanks for popping by

Talk later

LL xx

LexieLou

I had spends today as expected, no idea how much, but I will add it up and post tomorrow

Off to bed, but will stop by other diaries before I turn in

Night

LL xx

LexieLou

Fell off the wagon today...actually thats a lie. I was doing a half attempted job all week, mental week at work and home, one of those crazy weeks that happens once every 3-4 months.

Anyway, got an old ISA back up and running, deposited the 2nd Emergency Fund into that (the £70 made last weekend)

I'll get back on track tomorrow, and write daily what I am spending. I need that discipline if I am ever to make this work...and it needs too

I've a load of stuff to ebay, so I will get onto that tomorrow and Monday

Thats it for now

Good night all

LL xx

pidge04

£70 in an EF - that is brilliant!

(Don't beat yourself up about the temporary slip off the wagon).

One-step-at-a-time

Hello! I've subscribed so I can cheer you on your way

Your title really resonated with me - I started at a very similar number, which was the same as my gross salary (DH has debt of his own which I haven't written about since my first post as we're each dealing with things our own way). Had my LBM in Jan '17, have had some ups and downs, but am now making real progress and am 24% paid off. The budget is frustratingly tight at times, but seeing it work is really motivating!

Best of luck xx

LexieLou

Spends today: £3.02
Steps done: 11,000
Snooker watched: all day
Items on ebay: 0....but I have a box beside me waiting to be photographed and listed
Housework done: Kitchen floor mopped (table moved, chairs moved, chairs hoovered, mopped under) basically an industrial clean
Loads of washing done: 3

So no items ebay'd...but lots of other positives

I'm going away in a few weeks (booked and paid for LONG before I decided DMP route, when I was still being an ostrich) and made the mistake of trying some of last years clothes on.....Oh no...like, I can't even get them zipped up. I refuse to spend money on more clothes, I can't justify buying clothes I don't need and I also refuse to buy a size 14...so its time to diet.

I still have my slimming world books from a million years ago...weighing scales are sooooo expensive and I don't want to buy anything thats not an essential, so I'll just gauge my weight loss by the rolls of fat when I sit down...ha ha

But all joking aside, its ridiculous that I eat so much junk and also drink so much fizzy pop...I think if I cut those two crimes out of my diet and also do 10-15 mins exercise (the body bearing exercises) I think I can shift a good bit of weight

Found 4p in the kitchen when I was tidying up...so thats goes into the sealed pot.

Hope you're all well.

Good night

LL xx