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    • SpekySquarehead
    • By SpekySquarehead 15th Mar 16, 9:12 AM
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    SpekySquarehead
    It's not a lot, but it's enough
    • #1
    • 15th Mar 16, 9:12 AM
    It's not a lot, but it's enough 15th Mar 16 at 9:12 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
Page 46
    • SpekySquarehead
    • By SpekySquarehead 9th Aug 18, 9:12 AM
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    SpekySquarehead
    Last night was date night with my gran. She had picked some small flowers from her garden and put them in a small crystal vase in the middle of the table. She's so cute, I could have burst into tears! Steak and veg was on the menu, followed by apple turnover and custard - lovely.

    But her eyesight is getting worse. She told me she's going to have to get rid of her car soon, everything is very misty. She's always been the person in my life that I've taken clothes to to get repaired, even now. I took her a suit blazer last night that needed 2 button fastened and she was getting frustrated with herself because it was so intricate. I had to hold the magnifying glass to help, which we joked made her look like a surgeon or a dentist. Not nice to see those you love deteriorate.

    Today I'm working all day, literally all day. From 8am-11pm. I don't mind as I've got tons to do. I fly to Gibraltar on Monday for work, back on Tuesday afternoon. My passport is away being renewed so work are kindly paying for it to be fastracked for £100. It's all go!

    You may remember that months ago, I was having debates with work surrounding my title, base pay and bonus. I was told that if I get a big sale made, then they'll sort it. Well I'm 99% there in a 'big deal' and I fly to Gibraltar on Monday for an even bigger deal. In fact, the biggest deal in the companies history. So if these come of, the sun will be shinning out the part of the body where the sun don't shine!!

    Also, a colleague (who has a better job title and I assume salary) has called off sick for 2 weeks due to stress although, I think collectively we have our doubts. He didn't like the job and subsequently didn't care or put in any effort. Would 'work from home' when we knew he wasn't. He openly told us he doesn't like it, and he's only been here a couple of months. I expect he won't be back. From a selfish perspective, it opens an avenue for me, timed quite nicely with the success I'm having in sales. We'll see how it pans out.

    But, I must get on with things. Busy boy and all that.
    Debt Free Date: 29/09/16
    • efes shareholder
    • By efes shareholder 9th Aug 18, 9:42 AM
    • 397 Posts
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    efes shareholder
    Good Luck with sealing that deal

    Hopefully you will be rewarded with a swanky new title and much bigger pay packet

    The world is your lobster

    PS I love Gibralter , its like marmite i think
    • SpekySquarehead
    • By SpekySquarehead 10th Aug 18, 8:29 AM
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    SpekySquarehead
    efes - I couldn't agree more. So fingers crossed.


    It's Friday!!

    Yesterday was a long day, as I expected. Finished at 11 and was home and in bed for 12.

    Today, I need to nip out during work to get a hair cut. Afterwards, on my way home, I need to stop into a SM and get ingredients for making embire bisucuits. My mum has a local community event and there's a bake sale, so I've to make those and mint cake. That'll be my Friday evening.

    The event runs 11-2 tomorrow, so once that's done, and if the weather is nice, I'll help out in my mums garden for an hour or 2. Then, TGFW is coming over again. I'm cooking, and no idea what to make but I'll do some research today at lunch.

    Sunday, I'll be back working again.

    Monday I fly to Gibraltar

    Tuesday I fly back

    Wednesday I'm back to work

    Thursday I'm off for a week to Aviemore with the family. It'll be relatively inexpensive, just food costs really. Really looking forward to just chilling for a few days.

    But for now, need to get back to the grind.

    Have a nice weekend everyone.
    Debt Free Date: 29/09/16
    • Toni'sfriend
    • By Toni'sfriend 10th Aug 18, 9:04 AM
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    Toni'sfriend
    Good luck with the deal, Specky. Hope it all comes off.
    • crazy_cat_lady
    • By crazy_cat_lady 10th Aug 18, 9:10 AM
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    crazy_cat_lady
    Sounds like it's all go at the moment Speky. Enjoy, and I have everything crossed for you closing the biggest deal for the company and being handsomely rewarded for it.
    December in the Tardis #16 nsd = 8 New life = new debt
    DFD #1: 6 Nov 15 - paid £28,447
    • joeyjimbles
    • By joeyjimbles 10th Aug 18, 11:09 AM
    • 1,701 Posts
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    joeyjimbles
    Regarding the 'expensive drink' idea - it doesn't have to be an adventurous drink for you, just a lovely location. There is a bar at the top of the Shard, the Gherkin or the Oxo Tower or there are some fab places along the Thames. Or there are 'secret' locations and pop up bars, Secret London is the best source for these https://secretldn.com/

    for example!!
    https://secretldn.com/bog-off-5-london-restaurants-based-old-toilets/

    This is a great area next to Carnaby Street off Oxford Street - https://secretldn.com/kingly-court-restaurants-guide/

    Brown & Whytes is one of my favourites, and there's a branch of the fabulous Cakes and Doilies for take out pudding, and this cool bar is just round the corner.

    https://secretldn.com/cahoots-bar-london-retro-underground-tube/
    • SpekySquarehead
    • By SpekySquarehead 15th Aug 18, 9:02 AM
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    SpekySquarehead
    Good morning,

    Thanks for the well wishes.

    I returned from Gibraltar late last night. A lovely place. Weather was roasting - mid thirties - and everyone speaks English, they use GBP and the plugs and British too. I shouldn't be surprised I suppose. My colleagues and landed late on Monday afternoon and left 24 hour later. We didn't do the touristy stuff but went a walk and tried a couple of nice restaurants. Lots of lovely yahcts in the harbour too drool over too. The meeting went well but these sort of sales discussions are never decided overnight so it'll likely be a couple of months before there's developments. My 2 bosses joined me and as soon as we walked out the presentation room they both congratulated me on my performance. Hopefully this is a big step toward me being paid what I deserve!

    Back to work today, for one day only, before leaving for a week with my family to Aviemore, Thursday - Thursday. It's a lovely place, with very little to do, which is just perfect. Going lovely walks, reading books, good food and better company. What more can I ask for.

    Joey - Thanks for the recommendations. I've just opened your links there and I'll scrawl through them just now
    Debt Free Date: 29/09/16
    • Toni'sfriend
    • By Toni'sfriend 15th Aug 18, 9:11 AM
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    Toni'sfriend
    Fingers crossed for the sale, Specky.
    Lovely countryside around Aviemore and only an hour or so from both Pitlochry and Balmoral. Hope you all have a lovely time.
    • crazy_cat_lady
    • By crazy_cat_lady 15th Aug 18, 8:12 PM
    • 4,249 Posts
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    crazy_cat_lady
    Sounds as though it was a good trip to Gibraltar Speky - fingers crossed that it all goes well for you and you get that massive sale, and associated massive payrise.
    Enjoy Aviemore - I love it up there and am quite jealous. My kids wouldn't travel that far for peaceful and relaxing when we're so close to the Lakes - have a good time.
    December in the Tardis #16 nsd = 8 New life = new debt
    DFD #1: 6 Nov 15 - paid £28,447
    • joeyjimbles
    • By joeyjimbles 16th Aug 18, 4:34 PM
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    joeyjimbles
    Hope you have a lovely family trip. Haven't been up there for a while. Coming to Glasgow next week though funnily enough.

    I'm trying to think of a few more suggestions for you to think about, but the resources above should lead you to places that you like hopefully.
    • SpekySquarehead
    • By SpekySquarehead 24th Aug 18, 8:29 AM
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    SpekySquarehead
    Good morning one and all,

    I've returned from Aviemore where I deliberately went off the grid. The signal is poor up there as one is surrounded by the Cairngorms and so I took that opportunity to tune out for a week and spend time with family. A lovely and eventful week, including horse riding, go-karting, badminton, going to the gym, going long walks with the dogs, golfing, swimming, eating in nice pubs and restaurants, visiting the wildlife park (and seeing the famous polar bears) and much more. It was really nice and the batteries are well and truly re-charged.

    We were staying in a chalet, which was paid for by my parents, so I paid my way with everything else. Unfortunately I'm not blessed with a salary which allows for many luxury's but I wanted to make the most of the trip. I got home yesterday and done a food shop which will last the weekend and I've got £150 to my name This makes me feel really uncomfortable, especially with Xmas around the corner and God knows what I'll do if there's an emergency (new tyre, boiler etc).

    Back to the grind now. Been to the gym this morning and now sitting in work, about to get a coffee and play catch-up. In my week off, the business deal that I went to Gibraltar has progressed really well. I'm hoping to have a meeting today to fill me in, and ultimately ask the question about my salary.

    The Girl From Work is coming over to mine tomorrow, which I am looking forward to it. The week away allowed me time to gather my thoughts on it all and I think I'm ready and open to start a relationship, but still, I'll take baby steps.

    So, I think that's me all caught up. Have a nice weekend.
    Debt Free Date: 29/09/16
    • efes shareholder
    • By efes shareholder 24th Aug 18, 9:36 AM
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    efes shareholder
    Glad you had a good weekend

    I'm off to buy a hat !
    • crazy_cat_lady
    • By crazy_cat_lady 24th Aug 18, 5:47 PM
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    crazy_cat_lady
    Sounds like an amazing holiday Speky - really pleased that you enjoyed it.
    December in the Tardis #16 nsd = 8 New life = new debt
    DFD #1: 6 Nov 15 - paid £28,447
    • SpekySquarehead
    • By SpekySquarehead 3rd Sep 18, 8:56 AM
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    SpekySquarehead
    Good morning all,

    I'm alive - but only just it feels.

    Last Sunday I went a gentle run and afterwards, I felt an ever so subtle twinge in my lower left back. The sort of thing one would ignore and it would be gone in a minute or 2. Fast forward 90 minutes and I'm lying on my living room floor unable to move my lower back and legs from pain. I had to army crawl to my phone. I had the week off work to recuperate and the doctor prescribed me super strong painkillers. I am back to work today but it still pretty sore.

    So it feels like a wasted week almost. Laying up with either an ice-pack or a hot water bottle, trying to do some work from my laptop. Just when I felt I was on the ascendancy with my fitness too.

    Because of all this, not much has changed in my life. But I want to get back out there, moving and living normally so hopefully the usual service will resume.
    Debt Free Date: 29/09/16
    • crazy_cat_lady
    • By crazy_cat_lady 3rd Sep 18, 8:18 PM
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    crazy_cat_lady
    I had been wondering where you were Speky. That sounds SO painful - I really hope that you're on the mend now.
    December in the Tardis #16 nsd = 8 New life = new debt
    DFD #1: 6 Nov 15 - paid £28,447
    • SpekySquarehead
    • By SpekySquarehead 4th Sep 18, 8:34 AM
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    SpekySquarehead
    Good morning,

    Crisp morning in Glasgow, wet underfoot and plenty of fog. Would be nice weather for an early morning walk I would think. But alas I am in work. Opting for a longer lie-in instead of the gym for the time being, at least until my back feels better.

    I've got a lengthy to-do list, both for work and person life, that I'll feel much better once accomplished. I aim to do it all today, especially as I have no plans this evening after work.

    All my finances are in place with YNAB and accounted for. If you remember, for my birthday, TGFW decided to take me to London overnight...well that's this weekend. So I had to pay her £165 in going halfers for travel and the likes. So I've not even accounted for spending money over there!!! Thankfully she knows and understands my financial situation - or so she says. Nonetheless, I am looking forward to the trip, I really am. I just hate having to worry about money.

    Anyway...I need a coffee and some painkillers.
    Debt Free Date: 29/09/16
    • joeyjimbles
    • By joeyjimbles 4th Sep 18, 12:36 PM
    • 1,701 Posts
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    joeyjimbles
    This weekend, how exciting.
    So this week have a look at Secret London and Time Out - towards the end of the week might be best. And perhaps have a conversation with her about what she wants to do, if you haven't already, you can then get your head around expectations and reality.
    • SpekySquarehead
    • By SpekySquarehead 5th Sep 18, 9:04 AM
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    SpekySquarehead
    Thanks Joey. I'll check them our later today, She's the type of girl who likes to be organised - things booked and paid for in advance - and I am happy to leave the majority of that to her, but I'll have a look and see what I can see. Thank you

    It's a cooler morning today.

    Super quick post. Back is feeling a bit better, albeit a sharp pain in my abdomen this morning, probably unrelated to my back pain. Work today, busy again, followed by a hair cut in the city centre at 6.20. Also need to visit a SM en route home too.

    Had a call from a recruitment company yesterday who wanted to put me forward for a position in Manchester. CV was sent yesterday, so we'll see what comes of it.

    Right. Need to dash.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 6th Sep 18, 9:01 AM
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    SpekySquarehead
    Good morning,

    So I've got a phone interview on Friday afternoon!! It's at 4.30 unfortunately, meaning I need to wait and think about it all day. Nothing formal, just an informal chat for now. Happy days!

    In the meantime, I've got TGWF coming over tonight in advance of our trip to London at the weekend. She needs to leave stuff here to make the trip easier and without arousing suspicion with work colleagues. I'm making some chicken tikka type thing.

    My back is on the mend and slowly off the painkillers too.
    Debt Free Date: 29/09/16
    • crazy_cat_lady
    • By crazy_cat_lady 6th Sep 18, 7:41 PM
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    crazy_cat_lady
    All good news Speky. Fingers crossed that it's a good chat on Friday , and you have that weekend to look forward to
    December in the Tardis #16 nsd = 8 New life = new debt
    DFD #1: 6 Nov 15 - paid £28,447
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