New diary

Can't believe it's been 5days since I last posted...where had the time gone?! Managed some more overtime, which will give my wage a nice boost this month. A few hours here and there adds up.

Hoping to get the debt down more this month: it's currently sits at-£3,459. I want it less than £2,600 this month. This will take a lot more work and budgeting than last month, but I'm wanting this gone as soon as possible and every penny I've earnt as overtime is going towards the debt as its money I hand budgeted for.

I still can't believe how my mind has changed on how I view money. I don't ever want to owe money again, the feelings linked with owing money are just not worth it:anxiety, stress, sleepless nights, worry etc-not worth it!

1st March 2018.
My debt now stands at £2600! It's going to be a VERY tight month, but I will make it! I've stocked up on cheap foods etc and very little planned for the month ahead.
I obviously wish I did have things planned, but I can't as that is a want not a need. I've put on my calendar for a take away treat on pay day (March) as a reward. I probably shouldn't, but it won't cost anymore than £10. I want this debt gone as fast as possible, been too many years!

I'm hoping for lots more overtime this month, even if my eyes are tired, I need to do it. My overtime from the past couple of months have knocked this debt down by a lot, so so glad I didn't use it as 'extra' spending money (done this in the past!) and used it towards the debt!

Going to do a new plan for next month with my debt now at £2600. To see if I can get it paid off quicker!

It's my birthday next week, so I've asked for money. I've spoken to family about how they'd feel if I used that money to pay towards debt and thankfully they 100% agree. When they asked what I wanted for my b-day, I said to be nearer being debt free and pressure free; they agree and say what ever makes me happy. It's better than wasting it on a night out with only a hangover to show-usually what I do!

I need it gone, had enough! To even look at a credit card make me want to vomit!!

I was speaking to my friends the other day, I know she has a lot of debt; always has. However, I think it's getting to the point of red letter time, I've spoken to her and she knows my situation and how I've been paying this debt down for over 2years. She knows I've had to say no to a lot of things, but I explained that was my fault for getting in the mess in the first place. Sadly, she isn't at the 'light bulb moment' yet and doesn't seem to want to deal with this head on, but to bury her head! I've explained about this site and they are people to talk to, free of charge etc but seemed to fall on deaf ears. I will keep trying and stand by for hopefully the lightbulb moment!

Happy Thursday!

Hey Fatrab, how are things?

Reducing chunks monthly, but not all (just incase) I'm hoping by April to have it completely paid and gone with £400/£500 saved.

I won't know what to do with my wage when I get a full wage-I'll feel rich! However, I always have plans in place to start all my savings pots and I'm still going to pay the amount I pay out now, but give myself and extra £100 to play with. I'll build up £1000-£2000 emergency fund first.

Then look at savings 6months worth of expenses etc.

I just can't wait to get rid of my OD completely! Never again!!

Hope is going well for you.

5th March.
Great, productive day today.! Got so much done! Got up early, did 45mins exercise before work (wakes me up) walked to work, went for a quick 20 min power walk at lunch and walked home. Got lots done at work, and super organised. Amazing how much a good sleep can focus you for the day-love it!

Tonight's jobs- prepare lunch for tomorrow, shower, read another two chapters of book, switch TV off by 9pm (I'm terrible for falling asleep with it on!) and have a good sleep.

Jobs for tomorrow-up early again for exercise, walk to work, pop to chemist for blood pressure check and flu jab, prepare Weds lunch, ask about overtime and what ever else pops up.

Happy Monday!

Thank you, Fatrab.

Glad it's Friday-exhausted, but in a good way.

Will update later when not so rushed for time.

Happy Friday!