Yes, yes, NBS!

Okay, my heading to most will not make any sense. It's a old South African bank that had the cutest little Cockatoo that nodded it's head and a voice went "yes, yes, NBS". Now the reason for the heading...my cellphone (mobile) company has knocked almost R700 off my phone bill. What that means for me is that R700 will be going into my Kilimanjaro credit card. It may not be much considering that card is just sitting on R29 000 but I was already going to pay R800 into that account this month so that will make a payment of R1500 into that account this month! Can anybody say awesome! Please watch those side bars on the 15th of this month to see what a difference it makes to my credit card section, oh, and I sold one of my cellphones this month and got R650 for it, so in actual fact, I am going to pay another R300 into the very same credit card...just because I can :), that makes a grand total of R1800 off on that card this month. They are so going to love me this month!

Feel good poeple!

Totally Bleak

I try every 15th of the month to update my debt balances on my blog, because of a busy week and a trip home in between I could only do it today. Most of them have gone down, not much but at least by something except the credit cards, they have gone up! How is that possible when I pay them R13oo a month? Well apparently it is and they said they will take more money out my cheque account this month so I've had to ask my car to debit their money the day I get my salary paid in or else they won't be paid.

I am going to think long and hard this weekend about my debt goals and what I have for them for the next 6 months. Finances I believe should be planned 6 months in advance as to avoid getting any surprise expenses that you know are either annual or some how periodic.

Finances are supposed to be a happy thing to bring down but how do you bring them down when the charges are exceeding the actual payments? I am going to try bring my cellphone bill down by R200 so that I can start putting that money into my credit card (Kilimanjaro of course). I'm sure that will make some sort of difference.

You Live and You Learn

Since the last time I blogged, I have had two bad things and one good thing (financially) happen. The bad things: The credit card company (Kilimanjaro) went and took R3200 out of my bank account without my permission. I was devastated and it felt like I had gone into shock. After much crying, screaming and begging, the bank manager came through and refunded the money (which was my rent money so you can understand my stress). Secondly, my mobile company did not disconnect my cellphone contract and charged me for a whole month that I wasn't using the cellphone. That is still an ongoing arguement and I'm hoping to get it sorted it out in the two weeks that they promised.

Now for the good side...my company have got me a cellphone which they are paying for, so basically I don't need to use my phone anymore. I want to cut that billing to the bare minimum, so I should save about R200 a month.

I'm feeling quite despondent about the whole debt free thing. I am starting to think that living life is a lot more better than punishing myself for living it in the past. Not sure if that makes sense but I miss my reckless days. Maybe it's just a phase at the moment, but I'm tired of just dealing with creditors and giving them all my money and they are never happy, they just want more! If only they would just spend a week in my life and see what I'm going through to pay them and get the fools to understand.

That is my news!