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Fighting debt alone- the sword is out
in Debt free diaries
68 replies 4.1K views
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I have £271 towards £1700 overdraft. I will remove it from my account when I've paid it off or if that is too scary reduce it to £800. Decluttered one room totally omg what a difference and I want to work in there all the time. I am going to tackle my office technically the morning room on Thursday night. I have stuff I can e bay but maybe only for buttons and I don't feel mentally up to photographing writing the blurb and listing everything, the buttons add up but I can do an extra shift in that time. Giving myself one last week to use the council gym and if I don't I'll cancel next week I will need to replace it with something though for sanity and health. My mum has dementia so it keeps me sane I think maybe the debts have built up as I'm trying to escape the grief at home and the caring situation. Thank you for the support.
I found mine hard to stop when I worked in the city so I compromised. I took my own coffee cup (the planet thanked me) and got a 50% reduction or a double stamp. Pr3t is the cheapest as I got a filter coffee so it cost me 49p a day instead.
Well done on the room being decluttered
Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/200
other than coffee this week is going okay. i made a big sweet potato curry on Monday and I've had variations of it all week. I've got extra work rubbish pay but just thinking about the money and paying the debts off. My only spends have been on bills and food so I can't do better. Tonight I have to do my accounts instead of decluttering which I hate so no spending tonight. Tomorrow, I'm going to a free class then to friends so no money spent again. Saturday I am decluttering again. I'm feeling really tired all the time but I think maybe the stress of debts and money does that.
If I have an afternoon off sometimes I take a bus to a small town (live and work in a city) and then sit in a coffee shop watching the world go by. So I totally get it!
And I would stick to the coffee, we all have something. I seem to have had a lot of things..
Do you have the Nero app on your phone? I think if you use a reusable cup you get an extra stamp, there are also often bonus stamps so you may find you get a free coffee regularly. 9 stamps and the next drink is free. They have a referral which I can send you if you want which will give you a free drink when you buy your first one.
Make £5 a day for 366 started Dec 2019
YTD £ £ 78.23/£1£1,825
Cash - £ 48.23 Vouchers - £ 30
Wombling into 2020 £38.78
I have one for another chain and it really helped me stop feeling guilty when I bought a coffee whilst debt-busting. People don’t tend to buy me gift cards any longer but will give me a £5, £10 etc specifically to top up my coffee fund I have it as an app on my phone, it’s very easy.
I’m a less frequent coffee buyer than you (no judgment, you freelancers need an outlet!) so this might not work out as too much of a saving for you, but might assuage some of the guilt?
A perpetual work in progress. Going, going....still going!