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Lucy's DFW Spending Diet.
Lucy1982_2
Posts: 4,611 Forumite
Hi
Some of you might remember me
Well I'm back again. And things have changed a little:
I'm still 26 (although only just), I'm still single (although only just). I still have a job :jand love it more than the smelly one I was made redundant from :rotfl:, although I've just suffered a 10% pay cut :eek:. As ever nothing is always fine with me, recovering from being messed around by a lovely man, who was going to be the forever one... NOT. And my Godmother/Aunt is suffering from Lung Cancer and really isn't very well, in fact her op to remove it was cancelled on Friday as it's the wrong kind (can you have a right kind??) and she now has to have chemo etc.
Needless to say things are a little tight. So I thought the best way of dealing with this... to come back into the fold
.
So here is the SOA:
Pay in
other in
Rent
Loan 1
loan 2
loan 2in
RAC
Lens
Phone
Internet
Car In
Currys
petrol
Which should leave me with £201.81 left.
As you can see there is money left over, but also nothing for savings etc. I've just redone my car insurance and RAC, and getting the yucky ex off saved a packed.
So total debt = £15,594 (loans both at 9.9%, have paid of c/c at 15.9%)
Money owed to me = £650
Hmmm.... I see lots of Ebaying/Amazon and NSD coming in the future. Fell free to ask any questions and I will answer as truthfully as I can.
So here starts the money diet and I am throwing in a food diet to, as I STILL need to lose some weight, but I will be doing that with a friend from work.
x
Some of you might remember me
Well I'm back again. And things have changed a little:I'm still 26 (although only just), I'm still single (although only just). I still have a job :jand love it more than the smelly one I was made redundant from :rotfl:, although I've just suffered a 10% pay cut :eek:. As ever nothing is always fine with me, recovering from being messed around by a lovely man, who was going to be the forever one... NOT. And my Godmother/Aunt is suffering from Lung Cancer and really isn't very well, in fact her op to remove it was cancelled on Friday as it's the wrong kind (can you have a right kind??) and she now has to have chemo etc.
Needless to say things are a little tight. So I thought the best way of dealing with this... to come back into the fold
.So here is the SOA:
Pay in
1014.28
other in
Rent
-240
Loan 1
-284.35
loan 2
-116.83
loan 2in
-25.49
RAC
-11.75
Lens
-10
Phone
-20
Internet
-12.23
Car In
-24.83
Currys
-6.99
petrol
-60
Which should leave me with £201.81 left.
As you can see there is money left over, but also nothing for savings etc. I've just redone my car insurance and RAC, and getting the yucky ex off saved a packed.
So total debt = £15,594 (loans both at 9.9%, have paid of c/c at 15.9%)
Money owed to me = £650
Hmmm.... I see lots of Ebaying/Amazon and NSD coming in the future. Fell free to ask any questions and I will answer as truthfully as I can.
So here starts the money diet and I am throwing in a food diet to, as I STILL need to lose some weight, but I will be doing that with a friend from work.
x
Current debt - £16,300 
Debt at worst 17/03/2011 - £18,067.62:eek::eek:
:ANot going anywhere else, ever again :A
0
Comments
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By the way have no idea why the Soa came out like that... computers!Current debt - £16,300
Debt at worst 17/03/2011 - £18,067.62:eek::eek::ANot going anywhere else, ever again :A0
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Welcome back Lucy
I saw your post on FB, was going to comment, but wasnt sure you's remember who the hell I was Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:Loves being a Wonderbra friend :kisses3:
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Of course I remember!!!! I just needed some time away, but I'm ready to beat this now.
How have you been??Current debt - £16,300
Debt at worst 17/03/2011 - £18,067.62:eek::eek::ANot going anywhere else, ever again :A0 -
Of course I remember!!!! I just needed some time away, but I'm ready to beat this now.
How have you been??
I'm good ta hun. Still trying to get slim. Some things never change ehh :rolleyes:Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:Loves being a Wonderbra friend :kisses3:
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Oh tell me about it. Recent OH was a chef.... So not good.
Still will be dieting from tomorrow. Bacon and potato salad is already in the fridge as is my strawberries (99p in Lidl!) and grapes.
But I figure, losing weight is moneysaving as I have lovely slimmer wardrobe which I need to fit into and then I can ebay my current clothes (once Mother has ransacked them! :rolleyes:)Current debt - £16,300
Debt at worst 17/03/2011 - £18,067.62:eek::eek::ANot going anywhere else, ever again :A0 -
Welcome home, I was just thinking about you the other day and wondering how you were.Mortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Hey Lucy, welcome back and lovely shiny new diary.
Sorry to hear about your aunt x xPay Debt by Xmas 16 - 0/12000
There is something about the outside of a horse that is good for the inside of a man.0 -
Welcome back
Happy new diary.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 21 months left.0 -
Hello stranger :hello: Great to see you xDebt@16.12.09 £10,362.38, now debt free as of 29.02.2012."I cannot make my days longer so I strive to make them better."0
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Hi Guys.
Thanks for making me feel so welcome again.
Well today was a good day, only spends were for a friends birthday present, and for a small jar of mayo for the fridge at work.
Have just wrapped up a friends wedding present, 2 handmade wine glasses (thanks Debenhams 25% off sale :money:)
And I am just having a quiet evening at home now.Current debt - £16,300
Debt at worst 17/03/2011 - £18,067.62:eek::eek::ANot going anywhere else, ever again :A0
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