Slaying my Debts

Buffythedebtslayer

I just did a list of all my outgoings.

I was trying to work out why I had no money in bank account. ha ha......

well. I know I paid off all those "suprises" I had spent on Amazon, on my friends birthdays and on going out and buying clothes on e bay...:o

trouble is that there is 415 pounds between my spending and my actual spending.

I think it works out cos I have paid off Barclay card, Egg, Paypal, Marks and spencers.

I make myself sick you know. Wentout with mates a couple of weeks ago I used the wrong card (you may well ask well buffy if you are such a debt slayer then what the heck are you doing with other cards in your purse hmmm?)

and so that accounts for about 100 quid **** I am an idiot.

which I still had in my spends account, so I of course spent it again.

I know I should be glad that I have paid off things but to be brutally honest I SHOULD NOT HAVE SPENT THE MONEY IN THE FIRST PLACE HELLO I AM HUGE AMOUNTS OF DEBTS. it wasn't on anything important. and I just paid my vet bill.....173.98:eek: when I say pay I mean I used my credit card.


I was thinking the other day that I would never be out of debt. Well I won't if I carry on like this.

i need a huge massive lightbulb moment all over again. I will have been here for a year in a months time. it has made a massive difference in a lot of ways, I don't spend like a I used to believe it or not, and I have sold books and collected points and picked so many tips and "met" lots of great people. often really humbling. but when I look at me a year ago, my debt isn't much different. currently I am 17330 on the loan and 1081 on 0% cc. but that will go up to pay for teeth:o and driving.

that will take me back to 21 thousand ish. right where I was a year ago.

sod it.

I really don't know what to say to be honest.

Buffythedebtslayer

right I need a cup of tea but thought I should explain here what my thoughts are on my expensese.

I spend too much money STILL.

I won't get out of debt by buying books and clothes even if they are cheaper then they used to be.

so

All credit cards are going in to the FREEZER

Mum is going ot hold one for Vet emergencies

I am going out with my Cash card and nothing else.

Unless some thing is happening - birthday etc I think I will take out 50 quid to cover my spends.

plus ten quid a week for travel.

My "game" will be not to spend this 50 quid, cos really I shouldn't. I take lunch and travel will be paid for. save as much for the weekend

I have phoned and arranged an interview for a second job, tutoring.

I will cancel most of my savings ( i didn't know they were still going...:o )and put money on cc

and I will once stupid t mobile website sodding works change my phone plan and cancel magazine subscription.

there will be no Amazon or e bay.

I have thirty quid till next monday.

kika

It is a struggle and I think we all need a 'renewel of vows' from time to time. If you hadn't been on here it would surely be worse. Remember baby steps and:money: Martin says No:money:

OliveOyl_2

Wise words Kika, we all need to re-trench at intervals.

You can do it Buffy, I find the "what small DFW thing" thread each day really helps me.
And a spending diary works for me too, I'm sometimes stopped from buying something, cos I don't want to have to write it down

kika

Olive I'll have to try that thread, I've read it. I like the idea of not buying and not having to write it down.

Buffythedebtslayer

thanks for not being mean to me and thanks for your replies. I need to get my act together if I ever want to be debt free.

off to bed now been working out over and over and over again how I can pay off 21 thousand pounds by Dec 2009.

brain is fried.

night all
xxxxxxxxxxxxxxxxxxxxxxx

ZTD

Buffythedebtslayer wrote: »

I was thinking the other day that I would never be out of debt. Well I won't if I carry on like this.

i need a huge massive lightbulb moment all over again. I will have been here for a year in a months time. it has made a massive difference in a lot of ways, I don't spend like a I used to believe it or not, and I have sold books and collected points and picked so many tips and "met" lots of great people. often really humbling. but when I look at me a year ago, my debt isn't much different. currently I am 17330 on the loan and 1081 on 0% cc. but that will go up to pay for teeth:o and driving.

that will take me back to 21 thousand ish. right where I was a year ago.

sod it.

I really don't know what to say to be honest.

Spend diary. The very act of keeping one will keep you on the straight and narrow.

And you'll always be able to find where your money has gone.

Good luck.

:grouphug:

kika

Buffy how you doing? I'm just out shopping but its with eldest for 18th pressie,expensive but only happens once (to each one anyway) so feel its justified this time. I must try this spending diary again ashamed to admit I gave up last time as kept forgetting it.

Buffythedebtslayer

thank you, not so good. was on a high from not having the migraine anymore and inspite of it getting loads done last night. I had a good day at school sort of. I am worried about next year though. I wish so much I could go and work some where else.

I spent more money tonight, it seems I am always thinking this willbe my last big spend before I knuckle down and stop spending. but spend and some how don't knuckle down

I spent the money on the following (Ztd this my attempt at a spending diary)

1. new shredder(mine packed up) 9.99
2. bathroom scales ( we have stupid electrial ones that take ages to set up and then switch off) 2.99
3. tummy toning machine. yes ok so its mortifiying. but it was 6.99. and my friend has one (hers cost more) and thinks it is fab.plus I was thinking of doing a gym membership at the local place which costs 35.94 a month well they can bog off with their fake tan and high prices
4. oh God I can't remember. well it was obviously hugely important.

4.95 for delivery and it came to 29.91. what the heck was the fourth item?

and I spent 10.80 on e bay. on a hamster toy. obviously I don't read my sig. I do not need shoes, pens, pet toys, toiletries or boxes.
I do need time, love, affection and space.

see this is just getting humilating. but if I don't do stuff like this and see it in black and white then it won't change. cos at the moment its all just clickty click and I have what I want.

OliveOyl_2

It is just SOOOOO easy to click and buy
I ended up with 3 outfits for Ascot this year - like I have loads of other functions to wear a posh dress to

I hope you went through Quidco or Pigsback each time?

(Every time I look at my earnings on Quidco I am reminded of my spending )