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When you owe more than your annual net salary
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Hey I just found your diary. I felt so sad for you reading the first post. I'm totally rooting for you over the next 6 years.0
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Thanks everyone....I was soooo tired last night...
Went to the shop on the way home and spent £2.54...and really enjoyed what I bought. Granted I shouldn't have, mainly because I'm supposed to be watching the amount of junk I eat...as I need to loose weight, and being stressed makes me put it on.
I've opened a new current a/c, which I'm pleased about. I had two, one of which I have had to stop using as its with one of the banks I owe money too, which is unfortunate as I actually really liked them as a bank. But thats life
I've also got an app to open another basic current account, thats the A/C I want to use to squirrel away my money for dentist and optician. I do actually wear glasses, and I religiously go to the dentist, as much as I hate the place, I want to keep my own teeth as long as possible
So the reason for telling you all that story was up until a few weeks ago, when I got paid I used to put my money into separate accounts and it was really good as I was so organised, but since I was advised to stop banking with the crowd I owe money too, that habit has gone by the way side
I called the bank I like to bank with (the one I owe lots of money too) they were lovely, really lovely, so I cried again (it is getting ridiculous that i cry so much). I desperately want to keep my current a/c with them, but I don't know of that will be possible during the next 6+ years. Anyway, one more lender to call and that is them all called.
I still need to get my ebay rear into gear, but now that I've spoken to the bank I might get the motivation I need.
Thanks for popping by and accompanying me on this journey, I'm really glad of the travel company (I'm crying again!)
Night
LL xx£38,000 and change to £00 -
Be proud
Its ok to cry, its good for the soul.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
quick update,
Spends today £8.33
Steps : 4,508
Car insurance quote came in....need to lie down a recover, an increase of £70 on last year and for what? Hate car insurance, you cannot judge if you are getting a good deal or not. Wish it was like buying tins of beans...all lined up on the shelf and you can clearly see what you are buying.
Off to the land of nod
Night all
LL xx£38,000 and change to £00 -
Have a good day I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
17,000 steps!!! Go me!!!
2p to the sealed pot
£20 into the 2nd EF
Off to sleep
Night all
LL xx£38,000 and change to £00 -
Just wanted to say hello and good luck. You are making great progress and those emergency funds are inching up. When you have some head space do EBay/Etsy etc those dribs and drabs coming in make such a difference.0
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tootallulah wrote: »Just wanted to say hello and good luck. You are making great progress and those emergency funds are inching up. When you have some head space do EBay/Etsy etc those dribs and drabs coming in make such a difference.
Thank you...thats so nice and kind of you to say...I'm a long way off head space at the min xx£38,000 and change to £00 -
NSD yesterday
No idea what the steps were yesterday
6,300 steps today
Spent money - £2.00
Off to bed as I'm up super early, didn't want to not write as I haven't updated my diary for the last few days
LL xx£38,000 and change to £00 -
I'm here, I was away and needed to take some time out to get a few things in place.
I will update all tomorrow
Night
LL xx£38,000 and change to £00
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