Debt Free Wannabe- Newbie Diary

tilly2484 · 27 February 2009 at 11:27AM

I see what you mean, OH says that on some we pay DD so more can be taken out then a credit maybe given at a later date? Will look into all of them and try and get them down. Taking on board water, electricity usage- i've been very ignorant in the past, leaving lights on etc

I started getting into gardening last year and going to continue to grow veg/salad this year- a lettuce is around 70p!!:eek:

I'm going to have a look at some of the challenges too and get myself onto one. Have registered on DooYoo also to try and get amazon vouchers for prezzies etc. Have already told friends and family we are cutting back so not to be offended if we turn down events etc and that wecan't spend as much on presents at xmas and birthdays. Doing a budget specifically for all of the birthdays and xmas- money assigned to eeach person and what month etc so i can plan and look for more cost effective gifts etc. I'm also a very good baker- if i don't say so myself! But i make nice cupcakes, cakes, muffins, cookies etc so could also utilise this for gifts.

Today i'm going to:

Do some washing- at 30
Check shed for what seeds i have already and buy any extra from instore- saw some in there a while back for a lot cheaper
Get involved in a challenge
Do xmas/birthday budget
Buy packaging for ebay items
Continue searching for things to go on ebay etc
Find small notebook (not buy as there are a few knocking about my house) for a spending diary
Dentist- £15 but have to have my check up

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tilly2484 · 27 February 2009 at 7:07PM

So today so far i have:

-Bought some veg seeds and new compost to grow. Did this last year and hope to do more this year

- Found some more things to put on ebay

-Returned a netbook i bought 2 weeks ago because it is not a necessity. £239 back on credit card.

-Did 1st wash at 30

-started spending diary

Still want to look at challenges tonight and join one. Also put extra things on ebay. Do the xmas/birthday budget

RAS · 27 February 2009 at 7:22PM

Well done so far.

You need to look at the T&C for your loans and find out what happens if you over pay them. There may actually be penalties for doing this, so find out.

TismE_3 · 27 February 2009 at 7:34PM

You'll get there ...Well done on the changes you are now making, Keep it up and good luck!
:money: Tisme x

tilly2484 · 28 February 2009 at 6:25PM

So today is mine and my partners anniversary. We went to warwick castle today but made a saving of £16.50 as we found a 2 for 1 voucher! woo hoo. I also took food with us so we didn't have to pay for anything while we were out.:money:

My Martin Lewis Money Diet book arrived today so going to start reading through that.

Things done/to do

Done washing at 30- will not use tumble dryer
Bought 5 phillips energy saving 10 yr bulbs- they were 5 for 50p!!!! Great bargin
Need to complete xmas/birthday budget plan
Made the anniversary card i gave to OH :T
£100 extra paid to barclaycard
Try and do 1 review on dooyoo
put belkin router on ebay

I'm already quizzing myself on do i need to buy that really and getting annoyed if i spend money. I'm really focused! So pleased with myself.

Miss_Marple_2 · 28 February 2009 at 7:08PM

I do a one hour commute to work and only spend £130 per month on fuel - and that includes running around at weekends as well as work travel.

When I had my diesel, I spent even less - do you do a lot of driving at weekends as well as during the week ? Is there anyone you can car-share with ?

If you are spending that on petrol per month, you should at least be getting your £5 Morrisons voucher every month

( Morrisons provides the best value for money points / voucher scheme of the big supermarkets)

Is there a cheaper way to get to work ? £300 is £14 per working day - is it possible to take the train on a monthly season ticket ?

tilly2484 · 28 February 2009 at 7:40PM

Work petrol costs around £160, the rest is personal which i'll def def cut down, we travel to see family weekends and travel to football games in leicester as we are season ticket holders.

Train ticket to work is £18 return so no luck there and i'd have to get a taxi to my place of work too. Car share i am registered for but no one on my route as of yet.

tilly2484 · 1 March 2009 at 3:37PM

Planted some veg today- tomatoes, letttuce, parsnips, potatoes. Will be doing some more, should help save some pennies.

Reading the money diet book by martin too which is good- anyone else read it?

I need to find out if my loans have and fees if i want to pay extra off. Will need to call them tomorrow as can't see anything on the T&Cs i have.

Really annoyed as i cannot find the V5 doc for my ford focus. Got it Aug 08 and i'm not sure i ever even got it. Well either way i'm going to have to pay for a new one!!!!

tilly2484 · 1 March 2009 at 9:47PM

Nooo, found out today my MOT is due in 7 days!!! So going to have to pay out for that next week. I assumed that when i bought the car in August form Ford it came with a fresh MOT. More fool me!!!!!

tilly2484 · 2 March 2009 at 11:35AM

Right MOT book for Wednesday! Good thing is i should only have to pay for the MOT test as i have a 2 year MOT cover which means they pay for anything (up to £500) if it needs doing. So should just be £55.

Today for me:

Dooyoo review
Order online shopping- needs to be under £50 (was spending £70)- at £35 at mo!
More gardening
Cook cottage pie for dinner and to use up some food
Put some dvds on ebay :rolleyes:
Read some more of the Money Diet :money:

Some good news- fingers crossed i've sold my MG on ebay- £1150- a lot less that i wanted but need to get it gone.

I'm hoping that comes through so that would mean both Cap 1 and Barclaycard would be paid- with some left over to go on one of the loans :A

Debt Free Wannabe- Newbie Diary

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