The usual gorgeous slice of pizza from the station on my arrival, and a roll to have later. Very pretty new blonde barmaid but desperately thin. If she gained another 5 stone in weight she’d be sensational. Still, still, still, I have the feeling I could even now bring Munich to some kind of life—if I tried to do something with one of the Schillerstraße girls. In my first Munich golden age I had great experiences because I was prepared to splash the cash. I never do in Munich anymore; I still wonder if—expensive as it might be, as much money as it might require—if there is SOME fly I could awake from the amber. It would be one of the small places. Not Atlantic City or Tiffany. They are too regulated and boring. The small places up the road are a little bit more “wild west” as it were. I’m talking myself into returning to Munich but I’ve ruled out any more long train journeys for a long while; just make do with Brussels only in 2017 for a long time, to save money. 2017 is going to be a year for finally TACKLING my debts. Not just keep hoping by some miracle they will come down by themselves, but actually doing something and making sacrifices to make sure it happens. I’ve already started, but it will be a while before the improvements really come through in the figures. “Stop drinking!” “Stop looking at pussy!” I hear my beloved ex-wife saying, bless her. What a truly wonderful person she quite often can be. I don’t know if it is my imagination but the Dorint Zipfer seems a fraction colder than usual.
Just imagine if I HADN’T spent £499 on hotel & trains for this holiday; if I DIDN’T draw out £400 for spending money. That is £900 right away I could have reduced my credit card debt with. This is how close the prize of reducing my debt is. Next year starting in January will be year for seriously tackling my debt mountain. By end of year I expect to be living in —–.*** My once in a lifetime chance to reduce my credit card debt. My holidays therefore need to be fewer in number but when I do go I need to go much deeper and break through more than I usually do, that means travelling smarter, wasting less time SLEEPING, not wanting to go out. Squeezing more out of every place like I did only in last 4 days in Brussels. Go to deeper level in Vienna and everywere else. Travelling a much deeper more sexual experience than strip clubs. —– is much more expensive than ——- so of course I must stay in ——- till the last possible moment.
September to December last year my credit card debt got worse by -1,751. This year it has got better by +332, so that is an improvement this year of £2,083.
September to November last year I spent £3,126 travelling. This year just £952. An improvement of £2,174. This should start to show up in a real difference in my credit card debt soon. The supertanker has turned and is very slowly going back the other way. The improvements will start to show soon.
January & February I spent £2,405 travelling, so great scope in the January-February next year to make improvement on that as well. The benefits will start to show soon.
I reckon in October & November this year I have saved £360 on strippers compared to previous two months, and if you add in extra drinking, complimentary drinks & travel, that is an easy £400 benefit. This great —– money that has been pouring in to me has just been pouring straight out again, so when I stop the pouring out, I should very quickly AT LAST start to feel the enormous benefits of this —– money. Keep it this year, instead of spending it.
My debt is unsustainable and downright dangerous for me, and I must make this turnaround stick. This £190 birthday money will help, and I was tempted to treat myself to a birthday strip yesterday, but was happy that I came home without going anywhere but pubs.
By paying £220 to my Capital as soon as the pay hit my bank after midnight, and £180 plus another £80 to my Egg, £120 to my Nationwide and £25 to Tesco, I managed to reduce my credit card debt by £1 !! That meant all my 3 key indicators showed an improvement—Personal debt to GDP improved by 2% since last month, monthly interest £23 better, minimum repayments £24 better. And if I don’t go outside the house (allowing myself just £100 cash) I can just stay inside my £1,300 bank limit. Then my bank should be +500 after December payday and hope I don’t spend TOO much in Vienna.