No more credit.... no more debt

nomorecredit

Good evening Wednesday

I have no idea where the time has gone I have been chasing my tail for the past few weeks feeling like I have lost a bit of momentum in all aspects of my life which makes me feel a little down and I do whatever to get through the day I.e buying lunches, nonsense spending “can’t be bothered” not much exercise, comfort eating bread, sweets chocolate.

I am now skint and admit to over spending big time yet again and bought some things from n3xt sale for the holiday which I need to pay off. No spend days were shameful this month.

On a positive aspect I managed 8/11 lunch to work, girls passports have arrived, just need some toiletries and underwear for holidays. I have joined a walking group with my school mum friends. I have set aside £600 for the holiday - well actually exchanged in to euros so I don’t dip into it. The girls uniforms have been bought for next term just the shoes to get and OH is getting them, my dog is still with us although not great he’s plodding and my OH has bought me a new car which is wonderful. I am spoilt x

Tomorrow is a fresh month and time to buckle down until the holiday and then fresh start when I get back. We go 2 weeks on Friday and now the passports are here I am now looking forward to it. I need to add car insurance and Petrol to my monthly spends and focus on getting the small debt paid.

Just waiting for OH to come home with supplies for the dog and us for a quick tea. I am currently sat with a poorly little lady on me poor love and my oldest has gone to nanny’s for a sleep over.

I am working from home tomorrow for 5 hours then plan to tackle the Mount Everest of ironing and stock checking what we still need I.e shampoo, shower gel, cotton wool etc which I will get over the weekend.

I haven’t even checked my bank account or budget for last 2 weeks as I know I failed yet again :mad:only myself to blame I need to take more care but I really enjoying shopping and buying for things e.g holidays, birthdays, teacher gifts (guess who volunteered to do the collection and buy the gifts) !!! General carp!!!

Must.stop.twittering

OH has just walked in time to eat

Best wishes
NMC xxx

teafor2

Hi NMC Reading your post I think you've achieved quite a lot so don't be too hard on yourself.

I know what you mean about losing momentum - sometimes there's just too much going wrong on too many fronts to keep feeling motivated. Everybody has days/weeks where it's just too hard and too boring to really keep on top of things. In a way I tend to think these times can be beneficial in the long run because it makes us realise we don't actually want to be in that situation permanently and we get ourselves back on track pronto and knuckle down again with renewed vigour.

I'm sure the holiday will do you the world of good and as you say hopefully you'll come back raring to go and ready to crack on with what needs doing.

Glad the dog is OK and I hope your little lady isn't feeling too poorly. xx

nomorecredit

Evening Friday,

Thanks Tea, think I am generally in a rut and and my motivation is stuck down it. I need to get a grip and you are right I think after the holiday I will be ready to roll again, I am determined to break the cycle. These holidays cost a fortune.

The pouch is doing ok and my youngest is back to normal, it was the strangest thing she woke up Thursday morning fell back asleep again until 11.30am and after Wednesday not eating, a temperature and sleeping most of the day requested something to eat and drink and smiling again.

I am up at 5.45am in the morning, going to walk to my ww group as I help out I have to be there for 8am and its a 4 mile walk. I have 2 weeks and want to lose my last half stone.

Spend the evening refreshing the budget for the next few months and although I won't be here for the last 2 weeks in August - no harm in setting some goals so going to go for 6 lunch to work and 8 NSD's.

Food shop ordered, I have free delivery with Morribobs for a month so that arrives on Sunday, my youngest has a party tomorrow afternoon and not much else on which is a relief.

Best wishes
NMC xxx

DancingInTheRain

Hi NMC

Totally agree with TF2, be kind to yourself.

My spending the last couple of weeks (and upcoming) isn’t where I’d like it to be and my debt repayment have slowed down as a result and I’m trying hard not to beat myself up about it, we have to live a life as well as we pay down debt so do what needs to be done in the run up to the holiday, enjoy your holiday then start again.

As usual I’ll be cheering you on xx

nomorecredit

DancingInTheRain wrote: »

Hi NMC

Totally agree with TF2, be kind to yourself.

My spending the last couple of weeks (and upcoming) isn’t where I’d like it to be and my debt repayment have slowed down as a result and I’m trying hard not to beat myself up about it, we have to live a life as well as we pay down debt so do what needs to be done in the run up to the holiday, enjoy your holiday then start again.

As usual I’ll be cheering you on xx

Aw Thanks DITR means a lot xx - still keeping up with your diary hope everything is going well with you - you are doing just amazing with everything I am admiring from afar, could do with your motivation and drive.

nomorecredit

Good morning MSE world,

Long confessional post alert

I have been hiding away for nearly 2 months now and things have got a bit out of hand here and before I gets any worse (not sure if it can) I wanted to get back on here. I have reading diaries every day and to be honest felt completely inadequate as everyone is doing just great and I am basically ........ well c**p and out of control.

Its actually quite hard to do this but here goes.... confession time

My absence is because I have let things slip big time since the holiday which we had a great time, so much fun and relaxing. Whilst I saved for the spends I "ran out" and for the first time in years spent money I have budgeted for birthdays, food, car, even a bill I thought had come out. Bought a few clothes and presents on N3xt, transferred some money from my cc (0% transfer mind) and then got home and have spent spent spent since and nothing of substance either.

I am drained, constant headache, stressed and damn right miserable consumed with regret. I am my own worst enemy.

I have been sorting through my finances, paid the n$xt off with another money transfer (0%) and now my dreaded debt is £1637.45. This account needs to close to remove temptation.

To top it off I went to get a birthday gift this morning, picked up an order for my OH and have subsequently lost the birthday gift ! I have rang the stores I have been in this morning and just awaiting on one to ring me back but I am so cross with myself for being so lax.

The girls are fully back into the swing of things with school routine they have a sleepover tomorrow so need to pack them for that.

We were away last weekend with friends which was fun we go every year, I was out the weekend before and have a spa day next Saturday which I have actually saved and paid for in advance. This weekend will be a chilled one putting away the summer clothes and have a sort out see if I can sell anything to put away for Christmas and anything of mine to pay down this debt.

Pay day is in 18 days I have accounted for bills, food, travel and 2 birthdays and with a refund for some work trousers that didn't fit and whats in my purse I have a total of £65.40 left. I have a lunch at work in the next couple of weeks and have arranged to have tea with friends but I have the meerkat 241 app so going to places to use that.

My emergency fund is non existent, the money to save for the house refresh is nearly drained.

I have joined some survey sites my OH is out tonight (I refused the invitation so glad I did) so looking forward to putting some plans and goals in place for the next few months and have found one of many note books in the house I will use for recording my spends.

Friday Spends - Morribobs - £15.57

Bread, coffee, salad, hot dogs, juice, chocolate (for girls and I tonight), dog food, poo bags, malted loaf all from morribobs -

Right lets start the weekend of organising - off to clean, hoover sort and tidy first job is to change the bedding.

I hope everyone has a lovely Friday x

Best wishes
NMC xxx




On a positive note I found 2p!!!!

teafor2

Hi NMC Good to see you back. The blip has happened and while I'm a great believer in acknowledging when and where we go wrong, I also think for the sake of our health and sanity we should try to move on as best we can - easier said than done sometimes I know.

You've had a lovely family holiday and while some of the spends could probably have been avoided, what's done is done. At least you're not throwing the towel in and carrying on regardless. Instead you're here trying to nip it in the bud and get back on track.

Is your debt more now than when you started your diary and is it all on 0% interest now?

Really hope somebody finds the gift and has handed it in. Good luck with getting back on track. xx

Louoffofsparkle

Hi nmc
I’ve not read your diary before and other than reading the first post I then skipped to the end!oops.

Don’t beat yourself up over things to much or that slope just gets slipperyer.
Maybe time to re-evaluate your budget and how money gets dished out. I know if I feel like I’m a bit deprived I go on a spending binge.

nomorecredit

teafor2 wrote: »

Hi NMC Good to see you back. The blip has happened and while I'm a great believer in acknowledging when and where we go wrong, I also think for the sake of our health and sanity we should try to move on as best we can - easier said than done sometimes I know.

You've had a lovely family holiday and while some of the spends could probably have been avoided, what's done is done. At least you're not throwing the towel in and carrying on regardless. Instead you're here trying to nip it in the bud and get back on track.

Is your debt more now than when you started your diary and is it all on 0% interest now?

Really hope somebody finds the gift and has handed it in. Good luck with getting back on track. xx

Hi Tea

Thank you for stopping by, I am just soooo cross with myself its easy to spend a whole lot harder to pay off !

Its all on 0% and not near as much as been in the past but its enough.

No luck on the gift, I keep checking local facebook page too see if anyone has found it.

Onwards and upwards.

Have a lovely weekend
NMC xx

nomorecredit

Louoffofsparkle wrote: »

Hi nmc
I’ve not read your diary before and other than reading the first post I then skipped to the end!oops.

Don’t beat yourself up over things to much or that slope just gets slipperyer.
Maybe time to re-evaluate your budget and how money gets dished out. I know if I feel like I’m a bit deprived I go on a spending binge.

Thanks Lou x

I am my own worst enemy I give myself plenty for spends (£150 per month) which doesn't include hair, food, petrol, presents so really no excuse at all really. I am going to go back through my bank account for last month although I suspect I won't even remember half of what I spent.

Have a lovely weekend
NMC xx