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dennyJust went to get some cash out and found that my finances are rather more desperate than I realised. And I already knew they were desperate.
I'm £2300 overdrawn on a £1400 overdraft limit in my main account and £1700 overdrawn on a £2000 overdraft limit on my old student account (now being charged as a standard account). This is most definitely Not Good (tm), even before you start adding up my outstanding loans and credit cards (about £35k to £40k).
I need to start keeping track of what I'm spending all this money on - it's running away from me at a rate far in excess of that which seems reasonable, even given my consumer lifestyle. I was thinking of carrying a notebook around and just noting down everything I spend money on for a month, see what's going on - but every other time I've tried this I've found that I forget to make entries in it so often that it's completely useless. Admittely I've never been in this much debt before - maybe I'd be more conscientious this time...
I'm £2300 overdrawn on a £1400 overdraft limit in my main account and £1700 overdrawn on a £2000 overdraft limit on my old student account (now being charged as a standard account). This is most definitely Not Good (tm), even before you start adding up my outstanding loans and credit cards (about £35k to £40k).
I need to start keeping track of what I'm spending all this money on - it's running away from me at a rate far in excess of that which seems reasonable, even given my consumer lifestyle. I was thinking of carrying a notebook around and just noting down everything I spend money on for a month, see what's going on - but every other time I've tried this I've found that I forget to make entries in it so often that it's completely useless. Admittely I've never been in this much debt before - maybe I'd be more conscientious this time...
