Lysasparkles debt diary.....

Keeping_Positive

Not bored at all, I know what you mean about clearing your head. Funnily its why I finally started my own diary to have somewhere to put my ramblings, frustrations etc.

I presume your using the snowball calculator? Great news with Bingo. Ive had no luck so far but only tried three sites so far.

thriftymoo

wendy24g wrote: »

Not bored at all, I know what you mean about clearing your head. Funnily its why I finally started my own diary to have somewhere to put my ramblings, frustrations etc.

I presume your using the snowball calculator? Great news with Bingo. Ive had no luck so far but only tried three sites so far.

yep i am snowballing it has showed me that hsbc is the only worth paying off early to be honest as the interest is 13.5%!!:eek:

thriftymoo

hi all

managed to get together another £13.00 tonight towards £10 a day so doing fab on that one!

Was supposed to have 3 no spend days this week which were mon-wed but ended up doin sun-tues instead!! only spend one pound odd today which was on lunch so i can be let off!

even been giving my dad advice on his balance transfers tonight lol! On my own next week at home as my parents are in canada so i need to come up with a challenge...any ideas?!

thriftymoo

decided on a challenge for myself i want to pay off the remainder of my hsbc loan by my 23rd birthday..22nd april 2008 lol! gonna be hard work so gonna do some serious ebaying while the parents are away..that'll keep me busy!

thriftymoo

okay its time to call it a day on the feb £10 a day challenge.... have got £374.51!!!! woo quite chuffed as i smashed my target and really never thought i would reach it!!

really tired today.... mum n dad left for their hols in canada at 4.30 this mornin so been up since then...plus i had to race round sainsburys in my lunch break coz i had no food in.... really need my bed lol!

thriftymoo

lol feeling much better after getting 12 hours sleep last night!!! already got a £111 towards march £10 a day coz of overtime and a win on the bingo..

starting to think no one is listening to me again,, really sorry if im boring people lol!!

still looking for some ways of making some extra cash...think this month is def gonna be a ebay month got so many clothes i need to shift and i think the bingo is gonna start to dry up shortly...gonna cry when that happens!

really just trying to keep myself busy at the moment dont really like being on my own at home but cant even go out and work overtime coz i've got the dog to look after plus all me mates work weekends...feeling a bit lonely!

thriftymoo

got some adjustments to make to my dfd etc.... decided to set it so im banking on just making minimum repayments...obviously i'm gonna pay extra tho as and when i can...

its now standing at march 2011...

also just added up my debt at LBM and realised it was £21230.. now its £16241.48 so ive paid off 23.5% since LBM (april 2007) which is pretty good!!

pandapaws

Wow, that's a really good amount you've cleared in under a year. Hope you get a decent bit of cash from all the ebaying! I'm gutted too that the bingo is finished - at least we've still got the £1 sites!

Sandieflowers

Although I have been reading the boards for over a year I have never actually posted before. I just wanted to say well done on your progress.

I am not personally in debt but am hoping to retire next year and have been reading the boards for tips on living on a reduced income. I have been in debt, about 35 years ago, when credit cards first started. In those days there were restrictions on where you could use them (were not allowed to be used for grocery shopping or paying bills) even so we managed to notch up £2000, mainly on DIY projects, which was a large amount in 1972. I was lucky enough to have an endowment policy which I surrendered early and cleared the cards.

I now only use a credit card for convenience and make sure I have the money to clear the balance each month.

I think your 20's are the ideal time to become DFW, keep going the way you are, 2012 will be here very quickly and you will feel very proud of what you have achieved.
Good Luck, Sandie

thriftymoo

pandapaws wrote: »

Wow, that's a really good amount you've cleared in under a year. Hope you get a decent bit of cash from all the ebaying! I'm gutted too that the bingo is finished - at least we've still got the £1 sites!

I havent been banned from the bingo..yet lol..on the £1 sites at the moment and not having much luck but ive just opened a new bank acc and email so im gonna try to do the rounds again...the worst they can do is ban me lol! I just have to find the energy to get up in that loft!!!