"Thevinternet's still in debt" diary
in Debt free diaries
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I know I have no patience with these things, but I really don't understand why it can't all be a lot quicker in these modern electronic times.:mad: Sort it out online banking and CC people!! After all, what else is all my lovely interest and late fees getting spend on?!
SOA's are a great way to take stock of your monthly outgoings and really help show you which areas you can cut back on. I've never published one on here, but have read loads of advice have snipped,cut and hacked everything and have made some massive savings. I'm sure you know there are some really helpful people who'll suggest ways to make savings for you. Any money you can free up will all help paying it off.
Good luck & all the best
Grocery Challenge 25/6 to 24/7 €350 week1 €30-46 / €87-50
On that subject, some great news at long last. I got my tax statement today from back when I was self-employed.....and instead of it being a bill for £1600 as I thought it would be, it's the grand sum of....wait for it.....£126.52!!! :D:D
AND I think they've got it wrong since they've included a payment for a period when I wasn't self-employed, so I suspect they actually owe me money!! Oh happy days, please let that be true. I'm going to ring them tomorrow to find out.
Anyway, even if that's not the case, today's news alone has brought my Debt Free Date forward by several months, and taken me under the 40k mark. I'm soooo happy!!! :rotfl:
great news about the taxman (bet that's a sentence that doesn't get said very often!) let's hope when you speak to them today that they will confirm that they owe you money.. think of how many months that will knock off your debt free date.
I have some good news....I've been offered more hours with both of my jobs during the summer, when I'm not at college! I worked out that I can make about 3 grand between May and September, plus more if I work crazy hours, but I don't know how long I could keep up 12 hour days plus weekends! Then again, it would help clear one of my cards, so it's a very tempting idea indeed.
On the bad side, I am going to a do this weekend so went on a little shopping spree this week. But I only spent £13.50, and for that I got a cardigan, a pair of sunglasses and ten pairs of earrings, so I don't feel too bad about it!!
I rang the taxman and they told me to write in...now of course I can't wait to hear from them!! A tax rebate would be simply wonderful.....
I then banked £15 of it and played on roulette with the other £5 (where the odds of winning are much better than on bingo) and I made the fiver up to £11.50 before I lost my nerve. So I basically won £26.50 in total tonight which I have withdrawn...yay me!
That puts me about on target for my April £5 a day target, which is good news because I hadn't done anything about it in ages. Now off to have a cup of tea to celebrate my little win...good old bingo, it's done me well over the last couple of months!!:D
GRRRR....I must not, must not be this way next week, otherwise I'm going to slip over my overdraft limit again and end up paying more charges!! I'm thinking of trying the old debit card in the mug of water in the freezer trick...maybe I'll withdraw some cash tonight and try to make that last me for the week.
I don't have an official treats budget as I was trying to save every penny that I could, but I see now that maybe putting £5 a week towards a treat for myself might be a good idea.
The money I won hasn't come through yet, but I shall be putting it straight back into my account to make up for my haircut splurge! I just wanted to look nice for once, and that's not always so easy to do with things like hair and makeup. But I'm back on track now - I'm determined to keep pushing those pesky debts down!!
I really need to get revising, as I have exams in just three weeks time...yikes! It's hard though, I always feel like something has to give; at the moment I might be saving money, but on the other hand I'm being naughty and eating lots of biscuits! If I was eating well, then the house would probably be a tip. Is there anyone who manages to be good in all areas of their life at once? I find it impossible! I guess I just can't resist being a bit naughty in one way or another!