"Thevinternet's still in debt" diary
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I think I've just been feeling quite un-confident recently, and that's why I was feeling nervous about tonight. But when I got there, I just thought - so what? We're all different, we all have our good qualities, and I shouldn't compare myself to others all the time.
As long as I'm happy with my life, that's all that matters. And I'm certainly getting there.
Have you done your assignment/essay yet Missy?
Glad you're feeling better
Oh and I updated my sig, as per your request. Mentor at your service
Debt September 20th 2022 £2991.68- 96.92% paid off
I had a very aspirational lifestyle a few years ago when I was spending far more than I was earning - hence the spending on knickers. You'll be shocked to know that was just in a day, never mind a month! They were very pretty though...:o...but I don't spend such a lot now, I promise!!
One essay done Nic Queen - but there's always another one lurking around the corner sadly!! Thanks for the support though, it's nice to have an essay watchdog!! Roll on the end of March when I get three weeks off!
I've completed my No Spend Day challenge for this month by having 5 'No Spend Days', so I'm pleased with myself. I feel a bit poorly today, so hence why I stayed in all day and didn't spend anything! But at least it means I've finished that challenge...til next month, when I will try and do 6 No Spend Days!
I have another driving lesson coming up on Wednesday, but for once I'm quite nervous because I nearly crashed the car at a roundabout on the last one. Whoops. :rolleyes: My driving instructor wasn't angry or anything, but it made me really worried and I made lots of mistakes during the rest of the lesson. Hopefully I'll be better on Wednesday.
Don't worry about the driving, I was useless at first then it seemed to come together (although I had a stack of lessons to be honest).
Can I ask how many pairs of knickers you got for £120? (please say more than 1!)
But that's all in the past now! Or at least until I win the lottery!!
Thanks for the comments about the diary, it's nice to have a reader.
I shall keep pressing on with the lessons, though I feel like I've got to a sticky point where it's taking me a while to progress. Still - I guess I'll just have to keep trying!! Thank the lord for dual-control xx
Debt September 20th 2022 £2991.68- 96.92% paid off
:rotfl:Thanks for the tip!! Maybe I'll accidently brush his knee when I'm reaching for the gears too...
The debts are slowly coming down as always. I like the end of the month because the monthly direct debits start to come out, meaning that I can see larger amounts going out to attack my debts, as opposed to my normal tiny PAD amounts (I usually just give the Egg card a pound or so to keep me motivated!).
One thing that has me concerned today is that a few of people on this forum seem to be having their overdrafts removed suddenly by the banks; I have two overdrafts with two different banks totalling £2500. One is a student account, so I'm pretty sure that would be safe from a sudden drop, but the other account is not. Up until this point I've been tackling my debt with the largest APR first (my Egg CC), making my minimum payments on the others, and continuing to use my overdrafts, as the charges on them are minimal.
Now I'm wondering if I should change my tactic and start paying one of them off instead? It's difficult at the moment because cash is tight, but I guess I could swap to doing that instead. A shame though, because it would make my DFD slip further away into my future. What do people think? Any feedback gratefully received.
Another thing I've been mulling over today is how the majority of people on this forum are wonderful - very supportive indeed.
We had an incident earlier today where a poster called Midlands Mum was asking for support and advice, and instead got attacked by a load of trolls from another site.
When I popped over to look at their site, they all seemed to be extremely hostile and really quite bitter. Furthermore, they seemed unwilling to argue in a logical fashion, instead resorting to cruel jibes and slander.
It's sad that some people are so quick to criticise and pull someone like Midlands Mum to bits. I feel really sorry for them, that they have such dark, unloving, cold hearts, and no empathy for other people. I try to always wish the best for people. We all make mistakes and some habits, such as spending too much money, are very hard to break - lord knows that I slip off the wagon from time to time, I'm sure that virtually everyone on here does.
Everyone has their foibles - some people spend too much, others drink too much, some people smoke too much - but I wouldn't dream of having a go at a smoker because they may cost the NHS lots of money one day (and therefore possibly me through the tax system).
Yet the trolls felt perfectly justified to attack a woman who is trying her hardest to pay back her debts. A disgusting way to treat a fellow human being. :mad:
However, MM was defended by the vast majority of people on her thread, and that really cheered me up. What a lovely site Martin has built here - it's a fantastic resource for the rest of us.:T
My total hasn't dropped as much as I would have liked this month, but I'm currently spending £50 a week on driving lessons, plus I've had to fork out for a theory book and a theory test, so I think that's going to affect the debt reduction for a while.
- Current total debt stands at £34,682.10.
Whilst I don't like the lack of funds at the mo, in the long run having a car is definitely going to save me money (I can do a car-share to get to uni instead of taking the train and save myself cash that way, plus I'll be able to do more paid work). So I just have to suck it up for a while. :rolleyes:
Hope you're all having a good weekend and just think - we're into March - goodbye Winter!!