PaP/Moozie's What will you spend/have you spent today Tuesday 8th January 2008

Needcash_3

embarrassed_about_my_debt wrote: »

Welcome to the forum, I look forward to reading your diary :T

Hey, thank you ... Is great to be here and thanks for the words of encouragement .... I'm really focused now, so here's to a great 2008 :beer:
Happy New Year !

Needcash_3

Am starting to get the hang of how this forum works now I think ... Am guessing that an NSD is a 'None Spending Day' ?

I've spent nothing since Monday, but have just been stung for £28 by the lottery syndicate today as I'm in arrears :mad: ... will withdraw £30 today and use the remaining £2 to buy a birthday card and some bread rolls ... then I won't have to spend anything else until the weekend :cool:

I've seen some ideas on here, so here are my goals:

M&S Card = Owe £434 - Clear by April 2008
Tesco Card = Owe £648 - Clear using my bonus by end Jan
RBS Card = Owe £2000 - Clear by Dec 2008
Move in to a smaller place in Aug 2008 when my rental contract runs out - re-coup £150 per month
Loan = £7000 - Save double payments as from Jan 2009 - currently due to finish Jan 2011 - want to halve that time period
Save £50 per month towards holiday budget - Break the cycle of paying for holidays on credit cards - Want to travel to Italy, New Zealand and Australia this year
Save £50 per month for clothes/ haircuts etc - I'm a 'bullimic' shopper - will help me to not feel like I'm missing out and to stick within my means
Save £50 per month towards household bills and insurances (so I don't have to rely on credit cards and overdrafts when the big bills come in) - hoping to break the debt cycle

Have very little disposable income at the moment and my overspending leaves me constantly squeezed .... Once I've settled in to this plan, then I'll aim to overpay on my mortgage .... Also looking for a new job at the moment so hoping for a payrise :j

embarrassed_about_my_debt

Hi Needcash, you would be better putting this in a SOA/Diary of your own so people can see it and offer their help, it will probably get lost in here!

Needcash_3

Yeah .. was wondering about that ... do you mean that I should create a new thread?