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Ultimate Challenge. 457 days / 16600!!!
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# 21
NinjaSavingKat
Old 02-10-2012, 12:29 PM
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Oh no! The baby clothes!! But seeing it's a charity you are helping another mother in need! This is a good thing... not quite the same but I have decided to sell a very beautiful expensive vintage dress that doesn't quite do up and that I shouldn't have bought in the first place....finger crossed for both of us..

YEAH!! for the credit!! That is excellent news!!

You will get new shoes some day don't worry - until then tesco carrier bags work a treat...
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 22
NinjaSavingKat
Old 02-10-2012, 1:10 PM
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.....even more exciting my debt is actually 15,211. This drop my daily average to 34 a month.. every little helps..
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 23
butterflywingz
Old 02-10-2012, 1:24 PM
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Good luck!!...well done for being so positive...with that attitude you will certainly do it!!

xx
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# 24
NinjaSavingKat
Old 02-10-2012, 1:43 PM
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Thanks Butterfly... onwards and upwards!
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 25
Countingdownthedays
Old 02-10-2012, 1:57 PM
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Quote:
Originally Posted by NinjaSavingKat View Post
You will get new shoes some day don't worry - until then tesco carrier bags work a treat...
I have my limits... At least class it up with Waitrose bags :-)
CC1 = 10,323 10,183.69
CC2 = 8,437 8,200
Loan = 3200 500
Total = 21,960 18,883.69

10/day challenge: 10
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# 26
chickadee
Old 02-10-2012, 2:02 PM
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Hi there, you sound like a very positive person. You're already very motivated I can see. I just wanted to pop in to say I'll be following your thread with interest. I'm thankfully through that stage myself, but I have been there, not to the same level, but it wasn't good.

One of the things I'm sure will motivate you is to get the smaller debts out of the way quickly, then you can concentrate on the others. Have you checked with your bike loan company that you are able to make extra payments without a penalty? If not, you might be better putting the funds into savings and still paying at the same rate to avoid a penalty. I'd hate to see your hard-earned cash going to pay an early repayment penalty.

The other thing is to put as little as possible onto the credit card, as the interest rates are spectacular. I would definitely put all of my efforts into repaying this as the interest will probably be much more than the bike loan interest. Rule is, pay off the higher interest rate debts first, so you aren't increasing your debt with interest if possible.

Your progress with the extra income is encouraging. I really need a clear-out as well but Ebay is a pet hate of mine. I have made cash on it over the years though but I'm really lazy about listing things.

Why not pop over to the old-style board for food inspiration?

Well done on a good start, keep it up!
NSK; April Showers! - No 24
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# 27
NinjaSavingKat
Old 02-10-2012, 2:57 PM
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This is SO long ..very sorry people...

Quote:
One of the things I'm sure will motivate you is to get the smaller debts out of the way quickly, then you can concentrate on the others
. You are right with the smaller debts. These are the ones I am getting rid of next month as I have overtime coming in. Overdraft and The Ex will be paid off together.Then I concentrate on the larger ones!

Quote:
Have you checked with your bike loan company that you are able to make extra payments without a penalty? If not, you might be better putting the funds into savings and still paying at the same rate to avoid a penalty. I'd hate to see your hard-earned cash going to pay an early repayment penalty.
I have checked with them ( Nationwide ) and already set up a system whereby I can transfer whatever extra funds I have available each month without being penalized ( basically using the account number and sort code of my loan account ). I didn't want to up my base payment (134) just in case I hit a rough month. I intend to transfer equal amounts as of January to rid myself of it by the end of June! This monthly payment will jump to 460 ( ish ) per month in order to be rid by the end of June...

Quote:
The other thing is to put as little as possible onto the credit card, as the interest rates are spectacular. I would definitely put all of my efforts into repaying this as the interest will probably be much more than the bike loan interest. Rule is, pay off the higher interest rate debts first, so you aren't increasing your debt with interest if possible.
The CC is already nearly full up again and the only down side is needing it for bike repairs / damage etc. This will also be paid off and full up in November as well - HOWEVER I will need to use it to pay my motorbike insurance for the year as monthly payments add on another 160. I am saving / earning extra from then until now ( God bless Ebay ) and might be able to fill that deficit and not use the CC. Its gonna be about 570 and what I can't get hold of may come from the bank of Mum and Dad - but that's one route I like to avoid even if it means a month of interest on the CC.

Quote:
Your progress with the extra income is encouraging. I really need a clear-out as well but Ebay is a pet hate of mine. I have made cash on it over the years though but I'm really lazy about listing things.
I managed to make 350 in the space of a month when I wanted a new camera a few years back. I am planning to be quite ruthless as I mentioned above in actually selling a beloved unworn gorgeous vintage number... someone will buy it I am sure!..

Maybe I cheated a bit by being all over this site before posting.. thank you for your advise though. My largest loan I have yet to check on regarding repayment. I KNOW I got written into the contract that I can pay back each month as much as I want however I am not sure if they want a fixed monthly payment or whether I can do a top-up payment like Nationwide when some months are tight. ( This one will jump from 297 per month to 712 ish ) - bearing in mind my parents half own this loan and pay me 140 each month. I still don't want my self employed Dad giving me anything - he works too hard...

Anyway this one is not being touched until January either and I go home to Northern Ireland in a week so can talk to bank them face to face and make sure I know whats what... I got a few extra privileges as I have banked there since I was 10yrs old and my parents and brother bank at the same branch - small town etc...

So there you go... I just need to earn around 700 more per month to be comfortable.. this means overtime at work which is not always guaranteed unfortunately...

So ebay it is....
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 28
NinjaSavingKat
Old 03-10-2012, 12:28 PM
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So my little update for the day... I am on day 3 of the NSD. Had to buy passport photos for a per-arranged ID card I need - does this count. Otherwise I have food all packed for the day ( two meals as it's gonna be a LONG day )... posted a 5 jacket someone bought on Ebay this morning along with just over 5 to a dvd buy back website..

Was ruthless with my books last night and scored 53 on Amazon.....just need to package them and get rid of them although their October offer is giving me another 5 on top of that..... still awaiting FatBrain money to come through - apparently it takes two weeks... no worries. I am patient..

Photographed another few items for Ebay including some beloved tea-cups.... Now have at least 10 items to list although at work until very very late so will have to do them before work tomorrow...

Ooooh I love this money making shizzle...
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 29
NinjaSavingKat
Old 04-10-2012, 5:29 PM
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Never sure if people are reading here but posting make me feel little beady eyes are keeping track of me - makes me worker harder and not spending anything!

So I shall post an update.. Fat-Brain have credited me with about 12.45 / two items posted and paid for on eBay 13.89 / the BT cheque is 7.54 .. so I have a guaranteed = 33.88. Which is hitting and smashing my 5 a day challenge for October.

Non-guarateed / Vouchers comes from Amazon - 49.03. ( ISBN checked, boxed and ready to go on Monday ). Its just such a shame this is in vouchers and not cash.

I found a wandering 10.72 in one of my nationwide accounts that will be added to the above aforementioned 33.88 to make a whopping great 44.58 to be sent to my CC.

HOWEVER.. I am awaiting the "no insertion fee" for Ebay although I heard a rumor of "only pay if you sell" possibly being offered now.. i need to get these listed and hitting a 10 day listing to avoid my hols back to see the penny-pinching mother in Ireland next week...so at least something is "on the go" whilst I am gone!

I have a set of beautiful tea-cups that I am going to list for 25 ( free postage ) .. bit ambitious but someone might want them for a vintage themed wedding / party etc. This includes the dress I would like to list for 150 which will break my heart but I will remain strong.. this is why I want a free insertion weekend as I NEED to put up 12 pictures etc..

But there you go. I have a SPA weekend in central London courtesy of a very wonderful girlfriend with free board and lodgings for two nights and a full SPA day on Saturday..

So there you go...
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.

Last edited by NinjaSavingKat; 04-10-2012 at 7:38 PM. Reason: wording
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# 30
Heffi1
Old 04-10-2012, 5:59 PM
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Hi I have subscribed to follow you on your journey, you are doing well and I am a little jealous of the spa day you have planned I hope you have a nice time.
'Proud To Be Dealing With My Debts'
Debt at 31st December 2007 23,100.46, Payments made so far 12,331.00 Payments still to be made 12,657.50 Reaching the halfway point
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# 31
NinjaSavingKat
Old 04-10-2012, 9:07 PM
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Ahhh Heffi1 don't be jealous.... its only up the road from work so not a complete holiday... and I have to get up at 0500 tomorrow for work and spend 18 on a rail card cause I can't bring my motorbike.... then wait until 2000 for my friends to arrive.. think I might have a snooze and watch some mind-numbing TV..........( its all lies I am gonna be all over MSE instead )..

However I do intend to wallow like a hippo on Saturday in their pool...

I am thinking though - how do I recoup the 18 which dashes my already hard earned monetary funds - along with the money desperately required for a b/wax...

I have budgeted 150 for this weekend which I now feel is WAY too much...despite the travel tomorrow morning there wont be any need to buy an evening meal - as my friends are arriving late and wrecked I am hoping we can avoid a sit down dinner and just get a pizza - thus not stretching to the 50 allocated for the day....

Saturday is unfortunately a day "out and about" in the evening following the SPA'ing... I don't drink and have strict rules about not wasting my money on alcohol for other people so ALWAYS buy my own drinks... so if its just food and a travel card I could easily stay under the 50 ( and I have a TasteCard free for a 60 day trial that arrived today ) without being a drag on my friends ( there is only three of us doing this )...

Sunday is intending to be a shopping day but one of my little friends is worse off that me and in denial awaiting a pay out from a dead Grannies estate - which is looking to be a lot less than she expected - which means we may not shop until we drop - although I certainly wont..

So fingers crossed I can come home with some change from this 150 - which was planned months ago ....

Just about to leave work in next 30 minutes... 4th NSD DOWN...
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.

Last edited by NinjaSavingKat; 04-10-2012 at 9:12 PM.
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# 32
NinjaSavingKat
Old 05-10-2012, 1:02 AM
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Another little update.. this NSD challenge has got to me. I am determined to make it to another full day and have a full 5 in a row!!!.

SO bar the pre-arranged SPA travel money tomorrow which I am not counting, I have just made myself enough food to get me through the ENTIRE day..

Porridge I can make up at work with raisins, Grilled veg and potatoes for lunch, sandwiches for later in the day if I feel peckish ( 3 rounds ), we got some Tesco value yoghurt ( 1kg ) decanted into a tub as its cheaper than individual pots in the long run... two bananas, two mint choccie bars and a wee bag of roasted nuts, ( courtesy of Approved Foods ), a bag of Tesco value nachos (45p and delish ) and salsa ( AP again ) for in front of TV while I wait for my girlies to arrive at the hotel.. oh and two naughty cans of Pepsi cause they make me happy..

NOW I could go for a walk about London for a while instead of staying in but this is facing temptation - so I have decided against it...

So there you go - not bad for being 0100 and knowing I have to get up at 0445...

Treats...
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 33
NinjaSavingKat
Old 05-10-2012, 6:49 PM
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Well what a day.. I've secured my 5 from webuydvds.co.uk.. And am sat in a 4* hotel in central London.. However got duped when I went to a local beautician for a b/wax.. In house they wanted 45???.. 5 minutes down the road was 12.. Used hot wax and they added 8 without telling me the price difference.. Gutted. Knew I should have asked. She was very good though and I will go back.. Gave her 3 cause she was that good as a tip.. Then went to the till to pay. Coulda kicked myself..

But I will earn this back somewhere..

Scared as I'm the first into the hotel they took my CC dets.. Warned my girls not to touch anything..:-))..

So I'm under my budget..50 for the day set aside at the beginning of the month and planned for. 23 + 18.50 travel ...eeeek! A few pennies left for a very small but of food- thankfully the girls don't want to go out..

Travel recoup next week as I'm off to Ireland and won't use petrol! Also paid for friends birthday gift out of remaing funds and not the funds specifically put aside.. That'll go straight to the CC..

Determined to have cheap fun this weekend..:-))..

Is this an NSD fail..b/wax planned but the 8 overspend is a fail yes?? I think so- cant cheat here.. Boo hiss...

Onwards and upwards..
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 34
Heffi1
Old 05-10-2012, 7:02 PM
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Quote:
Originally Posted by NinjaSavingKat View Post
Well what a day.. I've secured my 5 from webuydvds.co.uk.. And am sat in a 4* hotel in central London.. However got duped when I went to a local beautician for a b/wax.. In house they wanted 45???.. 5 minutes down the road was 12.. Used hot wax and they added 8 without telling me the price difference.. Gutted. Knew I should have asked. She was very good though and I will go back.. Gave her 3 cause she was that good as a tip.. Then went to the till to pay. Coulda kicked myself..
Bloody hell that was an expensive mistake, but never mind I bet you had a nice pampering session and your skin is lovely and smooth now
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Debt at 31st December 2007 23,100.46, Payments made so far 12,331.00 Payments still to be made 12,657.50 Reaching the halfway point
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# 35
NinjaSavingKat
Old 05-10-2012, 7:12 PM
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Hey Heffi1... It's a bit much paying 20! Really annoyed but my local one is really bad.. You live and learn. Did think this week was going too well..:-))..
Yes skin is lively now.. Lol!
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 36
NinjaSavingKat
Old 05-10-2012, 7:28 PM
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Oooooooh Cash Britain is on! Wow I need to get out more...
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 37
Mockingjay
Old 05-10-2012, 8:12 PM
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Ha naughty spending! I do wonder how much a year I spend on removing hair.. It's probably a scary number!!
CC1 - 8746 2801 71%
LBM September 2012 - Current DFD Oct 14
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# 38
brokemedic
Old 06-10-2012, 7:46 PM
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Quote:
Originally Posted by NinjaSavingKat View Post
Never sure if people are reading here but posting make me feel little beady eyes are keeping track of me - makes me worker harder and not spending anything!

Non-guarateed / Vouchers comes from Amazon - 49.03. ( ISBN checked, boxed and ready to go on Monday ). Its just such a shame this is in vouchers and not cash.
People are reading lol, it's always good to hear how other people are doing.. makes you feel like you aren't on your own.

Is it possible for you to sell the amazon vouchers?

bm
One debt in 100 days 384/1264(865 left)
Pay all your debt off by xmas 2014 276/18864
NSD 4 and 4 in a row
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# 39
NinjaSavingKat
Old 06-10-2012, 8:38 PM
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Hello BM... Never thought of that. I think they just credit it to your account!! Glad your Having a wee read... Sky box or no? Confess..!! :-)
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 40
NinjaSavingKat
Old 07-10-2012, 1:31 PM
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Ok so Spa weekend went well.. Lovely food last night in Covent Garden ( I challenged a (12.5%) service charge.. ) Anyone else do that? Course they didn't budge but I didn't do my homework on it beforehand.. Is it enforceable?

Anyho I need a pat on the back please.. I put all my purchases back in Primark ( I know it's cheap cheap cheap but it all adds up ) bar cheapo pj's that I needed! Figured I'll be at home A LOT in the near future so might as well feel comfortable..

88.50 spent! Not good but this has been planned for months and it's under my 150 estimate! Any leftovers are going straight to the CC tonight!!
Travel Savings Fund ; 3700 / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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