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  • FIRST POST
    • Bad Panda
    • By Bad Panda 28th Sep 16, 12:10 PM
    • 35Posts
    • 84Thanks
    Bad Panda
    My rollercoaster and avoiding the huge dips!
    • #1
    • 28th Sep 16, 12:10 PM
    My rollercoaster and avoiding the huge dips! 28th Sep 16 at 12:10 PM
    I am back, with a vengeance. I have had a difficult time of the past year and once again the eye is off the ball... you could say I have been in the woods chewing bamboo instead of watching the bank account.

    Instead of wallowing in the depths of despair, I am going to get it sorted once and for all, and will need some help and assistance.

    I have a complex set of issues to address, am on a DMP with debts of around 50000. I earn a decent salary but it just disappears.

    I've stopped smoking. I've stopped drinking as much. I rarely go out.

    My aims are simple but will take lots of work and resolve and I will need some help.

    1. Declutter and get rid of stuff I dont want or need.
    2. Get an emergency fund.
    3. Get sorted for Christmas
    4. Get a promotion.
    5. Get necessary work done on the house.

    My first challenge is called "Money for nothing" and its what I make from Ebay, Matched betting and the like (matched betting only for first week of the month while i have the funds to cover from the bills money)

    Any advice and assistance is most welcome. Any money making suggestions will be gratefully received

    My debt start figure is £49, 790.
    Last edited by Bad Panda; 28-09-2016 at 12:14 PM.
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
Page 1
    • Bobarella
    • By Bobarella 28th Sep 16, 10:22 PM
    • 8,005 Posts
    • 51,394 Thanks
    Bobarella
    • #2
    • 28th Sep 16, 10:22 PM
    • #2
    • 28th Sep 16, 10:22 PM
    Hello BP I wondered what had become of you. Good luck with your aims.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Bad Panda
    • By Bad Panda 2nd Oct 16, 1:24 PM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    • #3
    • 2nd Oct 16, 1:24 PM
    • #3
    • 2nd Oct 16, 1:24 PM
    Cheers Bob, everything went Ti+s up for me for a while but I am back to normal ish now


    I shall look you back up and be a better online friend.

    Just a quicklie today after a bit of a mental weekend...

    Money for nothing update, £9 in coppers bagged up and £12 in ebay sales thus far.

    Ive also decluttered 2 more cupboards and am starting on the loft!
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
    • Bad Panda
    • By Bad Panda 2nd Oct 16, 8:35 PM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    • #4
    • 2nd Oct 16, 8:35 PM
    • #4
    • 2nd Oct 16, 8:35 PM
    Sold another piece of tat or precious item on eBay! Listed another 17. I don't know what's more tiring finding these things or typing up flowery descriptions of gcse German revision guides. I'm struggling for adjectives for shoes which hurt me because I wore them once and for which I harbour an irrational mistrust and hatred, which will make others fall in love and want to part with a tenner for them. They were forged by evil in the belly of the earth, but will set off your autumn outfit delightfully...
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
    • Bobarella
    • By Bobarella 2nd Oct 16, 11:15 PM
    • 8,005 Posts
    • 51,394 Thanks
    Bobarella
    • #5
    • 2nd Oct 16, 11:15 PM
    • #5
    • 2nd Oct 16, 11:15 PM
    Ha ha ha brilliant description!
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Bad Panda
    • By Bad Panda 5th Oct 16, 7:59 AM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    • #6
    • 5th Oct 16, 7:59 AM
    • #6
    • 5th Oct 16, 7:59 AM
    Hehe- I admit I am struggling to wax lyrical at times but some listings are almost Tolkeinesque both from a descriptive and a fantasy perspective, yet I have remained honest. The effect of cleaning out cupboards is cathartic, I feel so much better knowing whats under my stairs. The eBay hamper is full to bursting and more shall be listed today - from Duvet sets to sequinned shoes, paper watches and DVDs. No new sales but bids received to the tune of £30 - that doesn't end til Sunday. The amount of work I have done so far is not reaping much reward apart from the journey itself of course.

    The promotion aim has ground to a halt. Basically my business is in trouble and no one is being promoted til January. Its impossible for me to realise that aim before Christmas

    I will just need to get on with the rest
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
    • Bad Panda
    • By Bad Panda 5th Oct 16, 8:27 AM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    • #7
    • 5th Oct 16, 8:27 AM
    • #7
    • 5th Oct 16, 8:27 AM
    Stoptober App tells me that so far I have saved £153 by not smoking.

    This will form the start of the emergency fund.

    How much should my emergency fund be? Should it be a months income? if so I wont manage that til after Christmas either - but might aim for 50% of it
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
    • Bobarella
    • By Bobarella 6th Oct 16, 10:12 PM
    • 8,005 Posts
    • 51,394 Thanks
    Bobarella
    • #8
    • 6th Oct 16, 10:12 PM
    • #8
    • 6th Oct 16, 10:12 PM
    Wow nice savings BP!
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Bad Panda
    • By Bad Panda 10th Oct 16, 9:35 AM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    • #9
    • 10th Oct 16, 9:35 AM
    • #9
    • 10th Oct 16, 9:35 AM
    Cheers Bob!

    Thanks to lovers of tat UK wide, I have boosted my eBay sales to a princely £59.29 as a book a coat and a DVD sold and paid for at the weekend. There is still £30 yet to be paid for too. Ebay seems to be the backbone of my money for nothing scheme. I must investigate some other methods!

    I won't be forgetting the eBay fees and will knock it off on payday when I will settle the fees.

    Right now due to sh1tty money management, this money is getting our groceries in - so the money saved by not smoking will be ferreted away on payday.

    50% of it will be used for my emergency fund and 50% will go for next years holiday fund.

    Im off to see what the best survey site is - and read the boost your income thread!

    Eek- exciting
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
    • Bobarella
    • By Bobarella 12th Oct 16, 10:57 PM
    • 8,005 Posts
    • 51,394 Thanks
    Bobarella
    That's beaut eBay sales!
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Bad Panda
    • By Bad Panda 13th Oct 16, 9:59 AM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    Another £40.90 in! Keep losing my connection and this is the third attempt to post grr.

    Possible another £160 to come as a fair bit interest in a rare item

    Fingers crossed
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
    • Bobarella
    • By Bobarella 13th Oct 16, 10:48 PM
    • 8,005 Posts
    • 51,394 Thanks
    Bobarella
    Good news again BP!
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • FullTimeAdult
    • By FullTimeAdult 14th Oct 16, 12:27 AM
    • 23 Posts
    • 55 Thanks
    FullTimeAdult
    Well done so far!
    Debts £5956.40 £5927.36
    • Bad Panda
    • By Bad Panda 16th Oct 16, 4:40 PM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    Hey hi Bob and FTA!

    Well, there we go, another £55 - totally free bet, on the Bundesliga, a fiver, I did it and ended up with £55- got to be worth it... and some ebay sales of just under a fiver and I am heading towards £200 2 weeks into my money for nothing challenge.


    Ill do matched betting once I have some cash to cover that but cant get into gambling- not my thing! Mind you as I cashed out the £55 from the fiver freebie there was just over 50p left, due to the odds. I thought I would punt that. So far with results am at £7.78 and can cash it out at a tenner! Just need Burnley to win at Southampton. If not, so what... I will just add money then withdraw it and add it to my money for nothing total as minimum withdrawl is a tenner.

    Thats gambling news haha- I am the furthest thing from a gambler.

    Ive decluttered and ironed and listed more ebay and nursed a cold for 2 days. Planning on redecorating my bathroom cheaply.means a new shower curtain and some metal wall art from home bargains or b n m - and lots of elbow grease!
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
    • Maximum Saving
    • By Maximum Saving 16th Oct 16, 5:03 PM
    • 151 Posts
    • 265 Thanks
    Maximum Saving
    Hello Bad Panda. I like that you are trying to declutter. I managed to do that 6 years ago in a house I wished to sell. Now I have been living in my next property for that amount of time I regularly declutter. This summer I got my two children to help me sort of things to take to a car boot sale. We have a big car so we were able to fit in ever such a lot to take. It cost 6 pounds to sell at the boot fair. We managed to sell around 47 pounds of things we don't need or want anymore. It was a hot day and I found the boot fair quite tiring. One of my relatives does matched betting and he does well with it. Well done for stop smoking and not drinking as much alcohol.You are managing to sort out your bathroom on a very low budget. I am sure you give others ideas which are great.
    • Bobarella
    • By Bobarella 16th Oct 16, 9:36 PM
    • 8,005 Posts
    • 51,394 Thanks
    Bobarella
    You are doing great!
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • try harder
    • By try harder 17th Oct 16, 5:26 AM
    • 179 Posts
    • 456 Thanks
    try harder
    Hi,what a great start especially the stop smoking and the ebay saes side ,you are doing brilliantly ,i shall be following with interest.
    • Bad Panda
    • By Bad Panda 18th Oct 16, 3:52 PM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    Ebay sales of £175 in past day. Going to do some more listing later on and have a skip up the loft to fill the basket of treasure!

    Payday is looming ever closer and I shall start squirrelling away my emergency fund.

    Just need to get some clear water to move things forwards.

    Also will look at cheaper gas and electricity and see whether I can get a fiver from Amazon.

    Feeling so tired today as I only managed a half hour sleep last night - flipping head cold.
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
    • Bobarella
    • By Bobarella 18th Oct 16, 10:37 PM
    • 8,005 Posts
    • 51,394 Thanks
    Bobarella
    Hope the cold shifts soon.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.80 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,235.71 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Bad Panda
    • By Bad Panda 19th Oct 16, 8:19 AM
    • 35 Posts
    • 84 Thanks
    Bad Panda
    Me too, have lost hours of sleep and cant concentrate - migraine is kicking off and I can only look at my phone screen so I am working but in a very limited capacity
    Money for Nothing! £343.09

    Emergency Fund £0 / £3600
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