debt free in 1200 months!?

bountiful

NSD=:D non-NSD=:o

Mon 28th........£8.63:o
Tues 29th........£9.15
Wed 30th........£7.18
Thurs 31st.......£7.99
Fri 1st.............£5.75
Sat 2nd
Sun 3rd

Monday was bread (£1.20 local baker) fruit and veg (£4.93 local +/or British bought in market); coffee and Eat Natural bar on the train journey home (£2.50) on the train home. I could have avoided the train cost - I had a bottle of squash and a tub of peanuts/figs/breadsticks with me - it was unnecessary....:o

bountiful

bountiful wrote: »

NSD=:D non-NSD=:o

Mon 28th........£8.63:o
Tues 29th........£9.15:o
Wed 30th........£7.18:o
Thurs 31st
Fri 1st
Sat 2nd
Sun 3rd

Tuesday was bus (£4.30) and munchies again (£4.85):o
Today - fruit and veg (£3.95) and munchies again (£3.23):o

I have just got my pay slip through the post - pitifully small. I have a day off tomorrow to do all the admin I need to do for the week - including phoning National Debt Line for support over the Post Office Default Notice etc.

I am thinking that this spending diary method has been good for highlighting my erroneous spending habits - but from 1 August I may experiment with a different technique - and draw out the cash each week, and do a subtracting spending record - so I can see it going out, and cannot go beyond my limit for the week. I will sleep on this idea and come back to it tomorrow.

I actually had a fairly normal work day today - started at 9am and finished at 5.30pm - that doesn't happen very often. I have a whole day off tomorrow which I am really looking forward to.

bountiful

bountiful wrote: »

NSD=:D non-NSD=:o

Mon 28th........£8.63:o
Tues 29th........£9.15:o
Wed 30th........£7.18:o
Thurs 31st.......£7.99:o
Fri 1st
Sat 2nd
Sun 3rd

Postage (£1.08 - sent a present to a friend), food shopping (£6.91)
Paid the rent and the council tax and have £19 left in the bank - £400 available on overdraft - this is because my son hasn't paid me any rent......

Cleosmum

Kick son up bottom, you need the money!

bountiful

Hi Cleosmum - he's in USA for another 2 weeks somehow having a great time on no money - he had $10 left to last him 3 weeks when I last had communication with him! When he gets back he has a Sainsbury's Saturday job and has dropped out of college - I have no idea how to get any money out of him - he is up to his neck in debt too but hasn't done anything about it - I reckon we'll both be going bankrupt together. I am really scared of actually losing my place to live.

Seaxwyn

Hi bountiful, I'm sorry that you're worried about losing your flat. Your son must be a resourceful young man if he has survived and enjoyed his US trip - he simply has to get a job when he gets back. Surely there is a lot of work in the summer in Cornwall?

I hope you're managing to enjoy the summer despite the hard work and money worries.

bountiful

bountiful wrote: »

NSD=:D non-NSD=:o

Mon 28th........£8.63:o
Tues 29th........£9.15:o
Wed 30th........£7.18:o
Thurs 31st.......£7.99:o
Fri 1st.............£5.75:o
Sat 2nd
Sun 3rd

Friday - bread (£2.20) and munchies again - must take some action to stop this!

bountiful

Seaxwyn wrote: »

I hope you're managing to enjoy the summer despite the hard work and money worries.

I have to say I've kind of lost my sense of joy at the moment..... it ain't all bad by any means - but I've got a mixture of 'empty-nest syndrome'/debt anxiety/perpetual busy-ness - and have lost myself a bit.

Seaxwyn

I'm sorry to hear that bountiful. I'm sure it will come back again - just hope it's not too long, and not too demoralising meanwhile. Debt anxiety is a real killer, isn't it? I feel it's poisoned my life these last couple of years.

bountiful

Yeah, it make's one feel so disempowered, doesn't it? All the little things you have to say 'no' to - and the time it takes up just dealing with it all..... sigh...