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  • FIRST POST
    • SpekySquarehead
    • By SpekySquarehead 15th Mar 16, 8:12 AM
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    SpekySquarehead
    It's not a lot, but it's enough
    • #1
    • 15th Mar 16, 8:12 AM
    It's not a lot, but it's enough 15th Mar 16 at 8:12 AM
    Good day to you all.

    Can I start by saying I feel a bit embarrassed about starting this diary. Not because of my debt, but because in comparison to other peoples situation I seem to be in a better position to clear it. However Iíve been considering starting a diary like this for a while as I feel itís really been getting me down, like thereís a huge black cloud following me everywhere I go. I feel I think about money Ė or more specifically my debt - all day, every day, and hopefully having a place to come and post of my attempts to reduce it will help keep my chin up and motivate me.

    A bit about me. Iím 25 and I live with my mum for now and I have a steady and comfortable paying job. I was in a relationship for 8 years and we had a joint savings account with a view to buy a place. When that relationship ended, I went off the rails. I blew my half of the savings while at the same time took out a credit card telling myself Iíll use it to increase my credit score by only using it to buy petrol and paying back at the end of every month. That didnít go to plan. I know have 2 credit cards (just recently paid off my third); Tesco Credit Card - £2,614.19 and Barclaycard - £693.88. Both of which are 0% interest for now.

    The thing is, I know that my debt is manageable. Iím not spiralling out of control with interest. I donít have a mortgage. I donít have any kids. My expenditure is relatively low. I can and I will do this!

    Although this is a Debt Free Diary, I have a view for this to become a Saving Diary once Iíve cleared these cards. I want to feel the way I felt 3 years ago with no debt and thus no worries. To be happy again.

    My plan to clear this debt was originally to still try and maintain an element of my lifestyle that got me into this mess while being sensible. At the end of each month, any remaining money in my account would be transferred to my credit cards, this is already on top of my direct debits to meet the minimum repayments. However I found that this technique gave me too long a leash and I wasnít being tight enough. This month I actually have a stag do in Amsterdam (paid for by said credit cards) and with no savings, I had to use money from this months wages for spending money, leaving me skint for the remainder of the month, but goes to show that I can stow away a large chunk at the start of the month and force me to make the sacrifices. So thatís the plan, so put away a sizeable amount at the start of each month, the day I get paid.

    Thank you for reading and appreciate the support.

    Peace and Love!
    Debt Free Date: 29/09/16

    Follow my diary HERE
Page 58
    • SpekySquarehead
    • By SpekySquarehead 10th Apr 19, 7:36 AM
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    SpekySquarehead
    Good morning everyone,

    Happy hump day, too

    Yesterday I ended up trying the new boxing class which my ex-colleague had suggested. Despite his typically unpredictability, he did actually come along too. It was super hard work, to the point where I felt sick - twice - and I would say I'm relatively fit too. Anyway, despite the hour long torture, it was good to be back in gloves again as it's been about 2 years since I done some boxing. The gym is 5 minutes from me, so I've no excuse now.

    I quite literally rolled into bed afterwards and again slept right through thanks to having no energy. No gym this morning, but I have yoga at lunch and I'll go a run after work too.

    Yesterday NSD #5 (boxing was budgeted) although I do need to spend today. My tortillas I was using for my lunches seem a bit too hard, which means I'm lunchless today and I need to buy a new pack to do me for the rest of the week.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 11th Apr 19, 7:00 AM
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    SpekySquarehead
    Morning everyone,

    A busy day in work yesterday meant I didn't leave till 6.30ish (bear in mind I'm meant to finish at 5). I had yoga at lunch time for 45 minutes then I went to the gym after work again for a short run and some weights. Was totally withering wither to go and I imagined myself sitting on the couch doing nothing and that was the motivation I needed.

    Went to buy tortilla wraps yesterday as the ones I pulled out the freezer had pretty much turned into poppadoms. SM only had beetroot wraps so due to no other options, I've got them. This ruined my NSD, too. Stuck on 5.

    I had chicken wings which had been marinading in a homemade blackberry and chipotle jam. Was really nice but despite my sweet tooth, I think I prefer spicy wings! Cauliflower mac 'n' cheese tonight before football training at 9.

    Not much else to report.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 12th Apr 19, 7:30 AM
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    SpekySquarehead
    Morning chums,

    I left work at a reasonable time yesterday, headed straight home and made my cauliflower mac 'n' cheese which was nice, but not quite as filing as the real deal. Football training was a good run around but I didn't play as well as I could have, frustrating. Given it finishes at 10pm by the time I'm home and showered it's well past my bed time but my hearts still racing, so I took my time, tidied up and read my book for a bit. It helped.

    No gym this morning, but I'll head after work today for a while. Also just realised I forgot to take a chicken breast out the freezer for my dinner tonight, damn!! No plans for this evening, so I'll have a relaxed one to myself, the first in well over week.

    NSD # 6 yesterday.

    Tomorrow is date night, so wish me luck. I'm really hoping to know by the end of the night how I feel. It's already starting to consume my thoughts.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • crazy_cat_lady
    • By crazy_cat_lady 13th Apr 19, 9:22 PM
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    crazy_cat_lady
    Hope that date night is going well Speky
    NST June #16 nsd =
    • SpekySquarehead
    • By SpekySquarehead 15th Apr 19, 8:38 AM
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    SpekySquarehead
    Good morning everyone,

    I hope everyone had a good weekend.

    Mine was centred around date night on Saturday. My tram was delayed and my train was cancelled, which meant my journey actually took me 2.5 hours, not the best of starts. Anyway, (eventually) dinner was lovely and we went for some drinks after, which gave me the chance to get to know her better and I came to the conclusion that she is a lovely girl but I'm still unsure how attracted I am to her. It makes me sound so shallow, I'm aware of that and you may have been reading enough of my drivel to know I'm not, but I do maintain it's important. Am I best cutting ties sooner rather than later to avoid feelings growing and making it harder down the line? Or why throw away something which could be so good for the sake of aesthetics? I don't know. I need more time to think.

    Back to work it is today. Yoga tonight, too, after I've been to the SM as I didn't get the chance over the weekend. Didn't manage a NSD so still stuck on 6.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • efes shareholder
    • By efes shareholder 15th Apr 19, 9:07 AM
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    efes shareholder
    Hi Speky

    If you point blank don't find feel any physical attraction or ever see this changing then its probably kinder to be up front and the chances are you will gain a new friend however if you feel like an attraction could grow hang on in there until you have your answers.

    Its not shallow at all , there has be some kind of chemistry if you are going to have "that" kind of relationship
    • SpekySquarehead
    • By SpekySquarehead 16th Apr 19, 7:00 AM
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    SpekySquarehead
    Hi Speky

    If you point blank don't find feel any physical attraction or ever see this changing then its probably kinder to be up front and the chances are you will gain a new friend however if you feel like an attraction could grow hang on in there until you have your answers.

    Its not shallow at all , there has be some kind of chemistry if you are going to have "that" kind of relationship
    Originally posted by efes shareholder
    Thank you so much efes.

    No, I do feel slightly attracted to her but not as much as I did with previous GF's. Neither of us are in any rush so I'm going to take my time over the next couple of weeks and see how I feel. To be fair, she may well be feeling the same way!

    Yesterday, I left work yesterday, ran to the SM, got my weekly shopping, home to make my dinner and my broccoli and ricotta soup for my lunches this week then had yoga for 1.5 hours.

    No gym this morning and instead I have that torturous boxing class again tonight. I know I'm not selling it, but you feel better for it the next day.

    Still stuck on NSD#6
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 17th Apr 19, 7:16 AM
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    SpekySquarehead
    Good morning everyone,

    Standard day for me yesterday. Finished work (late) then home to make a light dinner whilst on the phone to my Mum. Then had a boxing class at 8.30 which I was dreading purely because of how knackered I was last week. I forced myself to go as you only get out what you put in, so I took it as a good sign. Home > showered > collapsed into bed.

    I have yoga this afternoon on my lunch break for an hour then I'll swing by the gym after work for a run or weights before heading home to probably sit on the couch for a bit. Although I do need to give the place a once over with the hoover but when is the deadline for hoovering in a flat? Is 8pm too late?

    Got a text from my old boss, who has moved to a new job himself, asking if I'm interested in a job with him back in Glasgow. I said the chances are it's too soon but if the money is crazy then it's something to consider. Nothing set in stone at his end yet and he wanted to gauge the interest before asking the CEO for funds. We'll see, but I'm not holding my breath. Nice of him to ask though.

    NSD # 7 yesterday
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 18th Apr 19, 7:19 AM
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    SpekySquarehead
    Hello everyone,

    I can't quite believe it's Thursday already!! Where are the days going?!

    Yesterday I stayed late in work but it got so late that I couldn't concentrate so I went straight to the gym for a very short run. Again I felt distracted and the need to go home, despite having nothing to do at home really. Anyway, I decided to watch the new GoT episode, read a bit then go to sleep.

    No gym this morning although I will go after work for a good bit. I've not got much planned for the Easter Weekend, other than an old colleague is coming to Manchester on Saturday and I said I'd go meet him and Mrs for a drink or two. Aside from that, the 4 days are to myself so I'm not sure what mischief I'll get up to but I'll try and be as productive as possible.

    NSD #8 yesterday
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 23rd Apr 19, 7:30 AM
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    SpekySquarehead
    Morning everyone,

    I hope you all enjoyed your Easter weekend sun. I couldn't quite believe how lucky we were to have that weather during all 4 days, it felt like I was on holiday.

    I thoroughly enjoyed myself. Activities included; running outdoors, yoga, a deep clean of the flat, meeting an ex colleague for drinks, going a wander round the city centre and on the whole, eating healthy. It was really nice. It actually gave me the first feeling of what it would be like if I moved abroad, which is an idea that I've considered for a few years. I've got to say, I quite fancied the idea.

    For now, it's back to work - although I did come into the office twice during the weekend to keep on top of things. Possibly have boxing tonight although my wrist is a bit sore, so I may skip this week.

    In other news, I decided to tell the girl from Liverpool that despite having a good time on our dates, it just wasn't right for me. She actually was very nice about it and thanked me for my honesty and suggested keeping in touch. Kind of feel like it's a load off my mind.

    No NSD's achieved so I'm on 9 for the month, so far.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 24th Apr 19, 7:51 AM
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    SpekySquarehead
    Good morning,

    Last night was what is becoming 'the usual'; staying late in work, going to the gym then home to bed. Not that I mind. Far from it.

    Slightly later than usual check in from me as I opted for a longer lie and then had some sourdough toast and peanut butter. Yoga at lunch today then I'll visit the gym post-work too.

    The most exciting thing in my life at the moment is my contemplation of switching banks. Of course I'm using here as my source of knowledge but I can't decide if I want a switching bonus, a packaged account or an app based bank. I'd ideally like a blend of all three!!

    Yesterday was NSD #10, too, with today looking like it'll be number 11.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • joeyjimbles
    • By joeyjimbles 24th Apr 19, 10:28 AM
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    joeyjimbles
    We have a mix of different banks including Natwest for the bills account - pay £2/month and get 2% back on bills which is getting us around £100+ profit over the course of the year - I like their app very much and First Direct for a couple of current accounts getting the switching bonus and access to the 5% regular saver account - love the online access but their app is oddly poor
    I've switched out from Lloyds, Santander and TSB over the years - nothing massively wrong with any of them but didn't feel minded to stay longer than was necessary for the bonus. I actually like our local building society very much - good online access and no charges for using the card abroad.
    • SpekySquarehead
    • By SpekySquarehead 25th Apr 19, 8:03 AM
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    SpekySquarehead
    We have a mix of different banks including Natwest for the bills account - pay £2/month and get 2% back on bills which is getting us around £100+ profit over the course of the year - I like their app very much and First Direct for a couple of current accounts getting the switching bonus and access to the 5% regular saver account - love the online access but their app is oddly poor
    I've switched out from Lloyds, Santander and TSB over the years - nothing massively wrong with any of them but didn't feel minded to stay longer than was necessary for the bonus. I actually like our local building society very much - good online access and no charges for using the card abroad.
    Originally posted by joeyjimbles
    Thanks for this Joey. Funnily enough I think Natwest was coming out on top with a lot of the comparisons, so I'm leaning that way. I hadn't really considered multiple accounts too so I'll take my time to consider it over the coming couple of weeks. Thanks again

    And good morning!

    We got thunder late yesterday afternoon but I unfortunately couldn't see any lightning. A mix of clouds and being stuck inside work. It's my favourite weather. It utterly fascinates me and most of the time I've experienced it, it's been quite muggy/warm and yesterday was no different. After natures theatrics I went to the gym for bit then home to catch up on GoT before bed.

    No gym this morning, despite booking a spin class. I forgot I have an external meeting so I've had to get myself 'dolled up' for it and you can't really in those gym changing rooms. My hairdryer died on me this morning, so I'll need to do some digging around for a bargain new one. It can wait for now. Football training tonight and not much else planned.

    Yesterday was NSD # 11
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 26th Apr 19, 7:10 AM
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    SpekySquarehead
    Morning,

    My meeting in the city centre was pretty much a waste of my time which is frustrating because my day was centred around it and it cost money. Anyway, if you don't shoot, you don't score, as my old coach used to tell me. Because of my change of plans, I parked in a new place and came back to a parking ticket as my back wheels were on a double yellow. No complaints, I didn't even notice them so I'll need to suck it up. I came home and had a 2 hour call with my gran before going to football training at night. I had a dream I was a kid and getting shot repeatedly off my Dad. Weird.

    A restless night not helped my dreams meant I was tired when I got up this morning. My hairdryer exploded on me and then I realised I've lost my favourite travel mug, so not the best of starts. I've not much planned this weekend, thankfully, so I'll keeping spends to an absolute minimum outside of the above.

    Still on 11 NSD's
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • crazy_cat_lady
    • By crazy_cat_lady 27th Apr 19, 8:46 AM
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    crazy_cat_lady
    Hope today is a better one SpekyÖ I hate days where everything seems to be going wrong.
    NST June #16 nsd =
    • SpekySquarehead
    • By SpekySquarehead 29th Apr 19, 7:13 AM
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    SpekySquarehead
    Morning everyone and happy Monday

    My weekend was uneventful, just the way I wanted it. A usual blend of exercise, sports, housework and some deserved rest.

    I've done most of my meal prep for the week which is cauliflower rice and spicy chicken for lunches and I also made some 'healthy' low-carb cookies to satisfy my sweet tooth but they look dry, so I'm not holding out much hope.

    My wrist is niggling me from boxing the other week so I'm undecided wither to go to yoga tonight. Either way, I'll go to the gym and do something, just maybe something less strenuous on it.

    Today will be NSD #13.

    Have a nice week everyone.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 30th Apr 19, 7:17 AM
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    SpekySquarehead
    Good morning,

    Yesterday was spent in work. All day. Like before 8am till closer to 9pm. Just one of those days that needed all hands on deck and what else was I going to do? Go to the gym and then sit on the couch? I ultimately just skipped the gym went straight to siting on the couch, watching the latest Game of Thrones episode (maybe the best episode of TV I've ever seen. Has anyone else seen it?).

    I had to buy milk for the office, so the £1.29 ruined my NSD. Still on 13 and will finish the month on 14.

    Back in work this morning for more of the same - possibly. I'm contemplating my boxing class but my wrist is till giving me jip so I might skip it to avoid aggravating it. Instead, I'll defo go to the gym and go a run.

    My mum called to say that my Gran wasn't feeling well over the weekend and so stayed with her for a couple of days. Symptoms sounds like kidney stones or appendicitis, but she's not in that much pain right now. Waiting on test results. It's times like these when I wish I was closer to home.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • crazy_cat_lady
    • By crazy_cat_lady 30th Apr 19, 5:59 PM
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    crazy_cat_lady
    Hope your gran is feeling loads better really soon...
    NST June #16 nsd =
    • SpekySquarehead
    • By SpekySquarehead 1st May 19, 7:16 AM
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    SpekySquarehead
    Morning all and may your May be happy

    Another late night, followed by a catch up call with my gran who I am pleased to say is feeling better - thanks CCL. A quick gym session then home to make my lunches for the week and bed.

    Today may well be much of the same actually although I do want to try and leave a bit earlier if possible. Of course even if I leave earlier, I've still stayed late again. I doubt I'll ever see a 5 o clock finish become the usual any time soon.

    I go on holiday on Tuesday of next week, away to South Spain with my mum and step dad for a week. So I need to make sure I've got all my bits and bobs in advance soon, in case I have to order something online. That's my task for tonight should I chose to accept it.

    Given I'm away for 7 days, I'm still going to give myself the hefty task of aiming for 14 NSD's this month and today should be number 1.
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • SpekySquarehead
    • By SpekySquarehead 1st May 19, 11:50 AM
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    SpekySquarehead
    NY Resolutions - May Update
    April was a mixed bag for me. It was tough in work after we suffered a few setbacks and personally I had the dilemma around The Girl From Liverpool. Aside from that it was good; I read, I eat healthy, I exercised, I enjoyed the weather and I didn't overspend.

    Career
    ē Make a sale
    Nothing yet. In fact April was a tough month for us all in the business. Just need to keep my chin up and keep doing what I am doing.
    ē Maintain performance journal
    A good habit I have started and is something which I update every working day
    ē Go above and beyond
    Lately this has been shown in the hours Iíve put in. 12 hour days, just to make sure Iím doing the best I can

    Relationships
    ē Keep in touch with family and friends
    In April I kept in close contact with my usual family members and saw an old friend who was in Manchester. Iíve a holiday with my Mum and SD next week so itíll be great to spend some time with them again.
    ē Meet new people
    I spent some time with The Girl From Liverpool but it wasnít to be. I didnít have that feeling which should be present early on. The trick is, Iím happy and content just now. I know that the moment I do meet someone and if it get serious, my schedule, habits and routine will be up in the air and that might be difficult for me to adjust. But It has to happen at some point and ultimately, If I meet the right girl then a compromise will be easy.

    Self
    ē Cut down phone time
    Screen time is up on last week but thatís down to me watching the football whilst in the gym, so I donít really count that. Itís the social networking which I need to focus on and last week I spent 7h 24m on social media!!
    ē Less sugar
    Iíve been super healthy of late and I am seeing and feeling the difference. Iíll look to maintain this once Iím back my holiday.
    ē Read more (0/5)
    The book I bought was so good Iíve almost finished it, even though I wanted to keep it for my holiday. Iíve since bought 2 more!!
    ē Meditate & Attend yoga frequently
    I love it. I can almost touch my toes, which was impossible at the start of the year. It keeps my mental health in check too.
    ē Continue to learn Spanish
    Works been busy, which has meant I sometimes skipped my lunchtime learning but Iím trying to get back into the routine.

    Although I am disappearing to Spain for a week in May, it's a quiet month aside from that. Which is fine by me. I want to do well with NSD's, continue my healthy eating and exercising and try to remain positive and productive in all areas of life.
    Debt Free Date: 29/09/16

    Follow my diary HERE
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