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  • FIRST POST
    • Alarae
    • By Alarae 9th Oct 16, 6:25 PM
    • 246Posts
    • 213Thanks
    Alarae
    Slimming the Wallet... and Me!
    • #1
    • 9th Oct 16, 6:25 PM
    Slimming the Wallet... and Me! 9th Oct 16 at 6:25 PM
    I am a long time lurker of the MSE forums, and even when I was not in debt I loved to read the diaries here as there are just so many inspirational people on this board who really prove you can make the best of a bad situation! For a long time I have had the luxury of not having to 'relate' to those in debt but unfortunately in the past year this is no longer the case. I am no longer an arm's length lurker- I am a fellow DFW!

    There isn't a good reason why the debt has crept up in the past 12 months,but I like to think that what the money was spent on was worth it, even if my net worth disagrees!

    The main factors were:

    Getting Married
    Definitely worth it- although could have been cheaper. The memories are priceless though- unfortunately the wedding itself wasn't!

    Losing Weight
    Since January 2016, I have lost 3 stone 2 pounds to date, going from an obese BMI, size 14, to a normal BMI and size 8/10. On a 5'3 frame (on a good day), it has made such a massive change. I am so much happier in myself, in (and out!) of clothes and the gym has become my salvation. My OH likes to potter around the house in the evening after work so I would be sitting on my own in the living room feeling dejected- now I'm spending that same time in the gym, getting fitter and healthier and no longer dwelling thinking that he loves the house more than me! At times, I do still think he does

    Basically, having to re-buy a whole new wardrobe of clothes, plus gym clothes AND replacing said gym clothes when they got to big, plus a gym membership has totted up to a lot. A fair estimate would probably be about £1000 since January

    Buying a House
    Definitely worth it but my expenses on the household (rent/mortgage, utilities) has gone up from £500 to £800 per month. This is due to us borrowing a deposit from OH's dad and we are paying this back at £400 a month (£200 each). Our mortgage is cheaper than renting and we were fortunate with the deposit so I can't complain really. Since April 2015 when we bought the house, it has raised in value by 40k.

    Changing Career
    Basically I decided to change careers to pursue different interests as my previous role just wasn't fulfilling me as it used to. So I moved from marketing repossessions for lenders to working in tax! Quite a difference, but I'm loving it. While my base salary stayed pretty much the same, unfortunately I lost the quarterly bonuses I used to get which could be anything from £300-£1000 after tax. It always meant I balanced in the black on average. My new role is a training role, fantastically flexible with hours and with magnificent people. They are paying for my study costs and paid study leave (appox 7k), so technically I am on a better salary- I just don't see it!

    Debt as follows:

    MBNA: £5,165.93
    £2,392.00 - 0% until 17/03/2017
    £2,826.11 - 0% until 16/12/2017

    AA: £972.00
    0% until August 2018 (unsure of exact date)

    Barclaycard: £938.54
    0% until 28/09/2018

    So all in all, over the past 15 or so months my savings have decreased from £1,500 to zero and debt has crept up to £7076.47

    The Barclaycard has been taken out recently for 0% on purchases to cover my car insurance and MOT/Service. My car has cost me so much in the last year (new tires, new radiator) and I will have to get the cambelt replaced at some point next year... Trying to put it off as long as possible but it is said it needs to be replaced every 5 years, and it has been 7! Another thing to note re car expenses is that with my new job, my petrol costs have tripled. I used to be able to fill up once for a whole month at a cost of £35~, now that covers me for about 10 days.

    My salary will increase as I pass my qualifications- my first pay rise should be to 25kish in November 2017 and then I am hoping for 32-35k in November 2018 when I finish my other qualification. It would be easier if I had it now though!

    My plan is to try and eliminate the debt by December 2017, so I can squirrel away my pay rise to fund some house overhauling (i.e. new bathroom/kitchen). At the very least, I would like to get rid of the MBNA. My OH is brilliant and while he doesn't know the exact totals of my debt, he knows I have some and is happy to pay for the little bits which are required for the house. Obviously when I am debt free, I will be contributing towards it. At the moment, I feel a bit useless

    If you have made it through all of that ramble (very cathartic!) then please join me for a , although mine will be water as I am not that fond of alcohol! Thankfully, it is nicer on the wallet!
Page 1
    • Alarae
    • By Alarae 9th Oct 16, 6:41 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    • #2
    • 9th Oct 16, 6:41 PM
    • #2
    • 9th Oct 16, 6:41 PM
    A loose income/expenses is as follows:

    Income - 1348
    Salary: 1,348

    Expenses - 1050
    Household (mortgage, utilities): 800
    Gym: 30
    Mobile Phone: 10
    Food: 100
    Petrol: 110

    CC Repayments - 107
    MBNA: 52
    AA: 25
    BC: 30

    Surplus for everything else - 191

    The surplus is to cover everything else such as clothes, car, presents etc... Obviously it disappears! The food budget is definitely something I need to get hold of, as it stands since I have been tracking spends since my last payday on the 26th I have already managed to spend approximately £86! We are only a third of the way through the month *sigh*.

    Things will be looking slightly rosier as I have secured a part time job to fit around my full time work. I swore up and down I would never return to retail, and yup, that's what I'm doing! Needs must though. I will be donning my Mr S uniform once again from the end of this month! Thankfully it will be online shopping, so no customer interaction for the most part.

    My new working schedule will look horrendous, but it is manageable, at least for 12 months or so:

    Mon: 5-8am at Mr S, 8:30 - 4:30pm at main job
    Tues: 5-8am at Mr S, 8:30 - 4:30pm at main job
    Weds: 8:30 - 4:30pm at main job
    Thurs: 8:30 - 4:30pm at main job
    Fri: 5-8am at Mr S, 8:30 - 4:30pm at main job
    Sat: 5-8am at Mr S
    Sun: FREE!

    As in my first post I am an avid lover of gym classes, so those will be slotted in as usual after work. So a revised timetable of my life becomes:

    Mon: 5-8am at Mr S, 8:30 - 4:30pm at main job, 6 - 8pm at gym
    Tues: 5-8am at Mr S, 8:30 - 4:30pm at main job, 6 - 8pm at gym
    Weds: 8:30 - 4:30pm at main job
    Thurs: 8:30 - 4:30pm at main job, 6-7pm at gym
    Fri: 5-8am at Mr S, 8:30 - 4:30pm at main job (will give up gym this day, can't make the class as can't finish at 4)
    Sat: 5-8am at Mr S, 10am - 12pm at gym
    Sun: FREE!

    The gym is my wind-down time, so I can't see myself giving it up. I am fully aware of when my body needs a break however so if needs be, I won't go to the gym if I just need a complete rest one day as I will be working a lot. Working for Mr S will net me an additional £300 after tax, so it will be valuable when tackling this debt.

    I have also dipped back into Matched Betting, which is something I did loosely back at University, so I understand the mechanics. In the past two weeks I am in profit of £160! I then spent £50 in a student sessions night as there were discounts across all the stores and I recently found out none of my winter wardrobe fits me since I lost the weight

    Unfortunately, I don't think I will be able to destroy the MBNA balance that runs out in March. My current payments go against the longer 0% offer, as I took that out first, so I can't even chip at it. Will be saving my pennies in a separate account then paying off as a lump. The rest I may have to transfer but have an open Tesco CC that is always giving me 0% offers.

    So this is my plan. It's not a well-thought out plan, nor does it have a lot of detail, but it is all I have got.

    I am determined to get rid of this noose around my neck. I have seen what it has done to my two sisters and I refuse to admit defeat.
    Last edited by Alarae; 09-10-2016 at 6:44 PM.
    • Alarae
    • By Alarae 10th Oct 16, 9:55 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    • #3
    • 10th Oct 16, 9:55 PM
    • #3
    • 10th Oct 16, 9:55 PM
    This week I am on study leave, attending a revision course in town until Friday so it is saving on petrol costs. Normally costs me £4.50 or so in petrol everyday to get to and from work, so it is a nice saving! Also the same next week.

    While studying is a bit boring, I do enjoy it- if only for the extra hour I get in bed! I need to get everything together quicker tomorrow morning though as I ended up forgetting my gym trainers and having to turn back to get them, meaning I didn't get a park in time beside the University. I had to leave the car in a retail park which allows a free two hours parking, move it during my mid-morning break to another free two hour car park opposite then move it again at lunch! Luckily I could park at the gym as the machine is still broken, so no need for a paid ticket. Did mean I spent my lunch break walking back to where I just drove from!

    Finished study course just before 5, walked to gym (about 25 minutes), changed and did my Body Conditioning class 6-7 then Bokwa 7-8.

    Quick shower at home before a scrummy stir fry of chicken, chow mein sauce, peppers, mushrooms, baby sweet corn and sugar snap peas.

    I do have a £30 free bet to place, but no time tonight. Should get about £22 profit.

    Funny thing, I checked my emails after gym and got one from Showcase Cinemas, somewhere I sent my CV to when I was looking for some part time hours. They are now interviewing tomorrow and Wednesday and asked me to call if I want an interview. I'm tempted to go, even though it would be in addition to the increased hours I've already signed up to. If it is only another 8 hours or so, and I get some free cinema tickets in the deal it doesn't seem too bad? Doesn't hurt to go for the interview... Does it? Not sure if I am being optimistic. Americans seem to work every hour of the day, so why can't I?
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Alarae
    • By Alarae 10th Oct 16, 10:01 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    • #4
    • 10th Oct 16, 10:01 PM
    • #4
    • 10th Oct 16, 10:01 PM
    Forgot to add the spends!

    £1 on Special K Chewy Delight bars
    £0.80 on chow mein sauce

    Didn't really need the special k bars but I normally have a small chocolate treat every day (I have a drawer at work dedicated to it!) and forgot to bring anything with me. It is a box of four though, so I have one bar to take for the remaining three days of my course.
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Alarae
    • By Alarae 11th Oct 16, 6:46 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    • #5
    • 11th Oct 16, 6:46 PM
    11/10/2016
    • #5
    • 11th Oct 16, 6:46 PM
    Another day in town on my revision course, another near hour stuck in traffic on a usual ten minute journey! Ended up 25 minutes late

    Technically a NSD as the razor blades I picked up my OH will pay me back for. Picked up in Superdrug as I get 10% off with my NUS card. I also went to Greggs during my travels and redeemed the free popcorn and granola bar via the Greggs app- gave the granola bar to the OH. He was happy for the treat and my wallet was happy for not having to pay!

    Finally used up the £30 free bet. Profit of exactly £22

    Not at the gym today, and I have to say I am missing my usual pilates/spin classes but I do have a lovely night out with the OH to the comedy- seeing Romesh Ragna(something). Tickets bought months ago and not planning to buy a drink. Hopefully the OH will pay for parking so I can keep my NSD! If not it is only £3.50 so can't complain. May lose the NSD anyway as I am lusting after a KitKat McFlurry at the moment..

    Dinner is ready- reduced M&S battered fish with chunky chips from L!dl. Finish it off with some ketchup- scrummy!

    Oh- I also have an interview tomorrow for Showcase. I sent my CV ages ago but they didn't have vacancies. They are now interviewing so I'll go to see if I can pick up an evening shift. I heard that apparently they give out two free cinema tickets per week if you work there, so that will mean I can go out with OH/friends for free! If all it means is that I give up a bit of my time to do so, I'll do it. Plus I'll get paid for working there, so all the better
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Seasidegal58
    • By Seasidegal58 11th Oct 16, 9:00 PM
    • 494 Posts
    • 2,461 Thanks
    Seasidegal58
    • #6
    • 11th Oct 16, 9:00 PM
    • #6
    • 11th Oct 16, 9:00 PM
    Good luck - you certainly have a busy life in and are well organised. Congratulations on the great weight loss!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • Alarae
    • By Alarae 12th Oct 16, 7:57 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    • #7
    • 12th Oct 16, 7:57 PM
    • #7
    • 12th Oct 16, 7:57 PM
    Thank you Seaside! Congratulations to becoming debt free as well- I bet it is a wonderful feeling. I can't wait to feel the same Not sure I agree with the organised though- I think my diary may be misleading! My friends always used to give me 'wiggle room' with times as I was always late... 'wiggle room' became bigger to 'wiggle mansion' in the end!

    Managed to keep my NSD yesterday- OH paid for parking (I drove) and I resisted the urge for the McFlurry. Not good for the waistline! Tipped below 9 stone 7 this morning so chuffed with that. Haven't weighed this little since I was... 10? Short people and a lot of McDonalds add up over the years...

    Another day on the revision course and it feels like I actually know my stuff. Shocker! My exams are coming up quickly on 1st November... Definitely need to knuckle down and study. I only need 50% (50 marks) but it is so easy to miss things and lose marks quickly. I can't afford any failures if I want to keep on track to qualify in Nov 2017, with my higher qualification to study for in 2018.

    Not a NSD unfortunately as I wandered through M&S during lunch and they were selling the chocolate biscuit boxes half price at £3. My dad, sister and nephew are coming up this weekend so thought it would be nice for them to snack on. At least that was the idea until I opened it when I got back home and scoffed one of the milk chocolate shortcake biscuits...

    Had my interview today after my revision course and got offered the position Twelve hours minimum but that will be one weekday evening and a Sat shift, so not too sad. I wouldn't be doing much then anyway! Extra pennies and all that. Turned out that the free cinema ticket thing I read on the web was true as well. Just have to be there at least a month and work twelve hours a week and I'll get two free tickets to use a week. Result! Plus if I don't want to use them I can give them to someone else as long as I print them off first. Two cinema tickets for a fiver anyone?

    Had a reload free bet offer for £5, so did that today and made a cool £3.80. Paid for the box of biccies!

    I've re-downloaded Fast Budget app to my phone to track my spends. I paid for the full version yonks ago but never used it properly. It's quite nifty; you can create budgets for each month, input your salary, credit cards etc and allocate your spends to catagories so you can see where you overspend. I'm already over on clothing... oops. That is because of a halloween outfit though, so all for fun!

    Anyway, the OH is out of the bath so dinner is calling out to be made. Until tomorrow!
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Seasidegal58
    • By Seasidegal58 12th Oct 16, 9:21 PM
    • 494 Posts
    • 2,461 Thanks
    Seasidegal58
    • #8
    • 12th Oct 16, 9:21 PM
    • #8
    • 12th Oct 16, 9:21 PM
    Congrats on getting the position!

    Having a budget app is so helpful. I use YNAB and it really opens your eyes to how much all the little things can mount up. I love it!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • Alarae
    • By Alarae 13th Oct 16, 9:21 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    • #9
    • 13th Oct 16, 9:21 PM
    • #9
    • 13th Oct 16, 9:21 PM
    Congrats on getting the position!

    Having a budget app is so helpful. I use YNAB and it really opens your eyes to how much all the little things can mount up. I love it!
    Originally posted by Seasidegal58
    It's crazy. I've gone from one job to three in the space of two weeks. Was also offered another part time role but I've let that one slide as the hours overlapped.

    I always wanted to try YNAB but from what I understand now it has changed to a subscription model now? Missed the one-off cost train unfortunately. Fast Budget seems to do what YNAB would offer though, so I'm giving that a go for now!

    Had my induction today for Showcase, around two and a half hours of admin and showing us around. Shifts are to start straight away- although I was the only one to go on Box Office and my scheduling manager isn't there, so was given an odd shift by one of the other managers. Got home and told OH, only to be reminded we are seeing Jimmy Carr that evening! I need to drop paperwork in on Saturday though so I'll speak with them then and try and move it to another weekday. Put my availability down for Weds and Fri night, 6pm - close and Sat. I may change Sat to day only after 9am, but the only issue is I will be at Sainsburys (15 miles away) doing the 5 - 9am shift. Then I can't go to the gym either if I do days... I'll leave it for now.

    Get paid weekly from Showcase, so things won't seem too sad on the debt front as I can add to my totals weekly, 4 weekly and monthly from the respective jobs! Showcase is minimum wage but with the recent boost to £6.95 I will be looking to take home around £66 per week on 12 hours. So an extra £260ish every 4 weeks. Coupled with Sainsbugs, I'll be earning an extra £560ish every 4 weeks. If I can really knuckle down on miscellaneous spending from my usual salary, I may be able to put away around £700 a month to debt. In theory I should be able to save up enough to pay off the first lump of 0% on the MBNA when it expires in March... £2,392 in five months works out to be £478.40 per month. I think I'll set that as a goal.. my two part times should cover that easily but you never know. Disasters happen!

    Last day in town for my revision course, the afternoon was a 3 hour 15 minute mock exam in test conditions If my exam paper in November is exactly the same as the one I sat, I'll be laughing as I could do all of it!

    Couldn't park for free and walk in this morning (no spaces) and ideally needed my car nearby to get to my induction for 5pm so had to park in town. £16.50 it cost me!! Luckily I can reclaim via work expenses, so no real expense to me.

    Nothing bought today, so ignoring the parking as I'll get it back at the end of the month anyway I'm classing today as a NSD! Even ignored the multipack of mini skittle packs on offer for a pound in Tesco

    Did a couple of bet offers today, but free bets won't credit until after the first bet has settled. Two £20 free bets swinging my way on Sunday, so realistically should get 70-75% of that back. So looking at around £30 profit. Not too shabby for about 20 minutes work! I've made around £200 (pure profit) in two weeks so I'm really chuffed at the moment
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Seasidegal58
    • By Seasidegal58 13th Oct 16, 9:31 PM
    • 494 Posts
    • 2,461 Thanks
    Seasidegal58
    You'll be amazed how much you can save if you can drop most of the miscellaneous spending!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • Alarae
    • By Alarae 15th Oct 16, 12:32 AM
    • 246 Posts
    • 213 Thanks
    Alarae
    Every pound here and there certainly adds up and it is something I am trying to knuckle down on. Aiming for NSDs are really important at the moment.

    Unfortunately, no NSD today. £36 on petrol and £27.45 on some Toms for the OH for Christmas. They were half price in the sale, and I also got another 15% off! Not too shabby.

    Work expenses have been claimed today while at work as I am out of the office Mon-Thurs again to study for Paper 2- the one I hate. Ugh.

    My dad, sister and nephew have come up tonight and will be staying until Sunday. I'm absolutely loving having them here, as it is often me travelling to them as opposed to the other way around. It does mean this weekend will not be very MSE as we have planned a trip out to the science centre and a trip to an all you can eat Chinese buffet. The buffet is pretty standard affair for when my family finally comes up to see me!

    Forgot there was an extra £8.15 on spends in L!dl getting some brekkie bits and a couple of ciders for OH, which he will give me money back for.

    OH also surprised me with a bunch of flowers and wine today. Apparently I had ruined his plans as he wanted to surprise me with them after I got back from the gym, but I didn't go so ended up home before him and saw them on the counter! I got to give him a free surprise though, as we had a working lunch today due to training they provided us with platters of M&S sandwiches. I ate my fill and didn't need dinner and brought back a load for OH to scoff on! Best wife ever.

    Anyway, off to sleep as no doubt my nephew will be up nice and early. Night!
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Alarae
    • By Alarae 15th Oct 16, 8:52 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    As expected, today has been very spendy

    £10.20 on entry to the science centre with Dad, sister, nephew and OH and another £10ish on something to eat while there (ended up being conned into paying for Dad's and OH's food!). My sister treated us to dinner tonight, but I'll take that off the money she owes us back for the wedding accommodation (not owed to me personally, but shared wedding money we received).

    Went through a whole bunch of clothes which are too big for me to wear and gifted to my sister. Basically got rid of all my jumpers, and only own one pullover and two cardigans! Had to give up my favourite burgundy jumper, it was long, thick and so comfy to wear with some leggings. I hope that they re-do the same style this year so I can buy another in my smaller size. Was purchased in Select last year and wasn't that expensive- around £14- and I'll get 10% off as student discount so not too bad. I'll probably ask for one as part of my birthday presents. A few other favourite jumpers suffered the cull as well

    I received another reload free bet offer for £10 which I quickly did this evening as the OH and dad are watching Battleship which I personally do not like. My time is much more profitable than theirs however as I will net about £7.50 profit for about 10 minutes work. Kind of eases today's spends!

    Also received my shifts from Showcase for the next couple of weeks. These will be training shifts, so I will be with a buddy who will train me up. I'm on Box Office, so I don't think things will be too hard going, especially with two years of Sainsbugs behind me during uni! I have two shifts this coming week totaling 14 hours which will earn me £81.44, and then another 10 hours the week after for £55.60. Both after tax. Not too shabby! May be a bit less as I am not sure what the breaks are on my shifts, so I assume I won't be paid for those but no idea how long they are so don't know what to deduct! I will have to figure out how I am going to eat on my weeknight shifts as they start at 6pm, and I get home from my main job at 5:15pm. I may have to start getting really close with pot noodles.

    Family leave tomorrow afternoon, so will be potentially popping out to the shops in the morning as it is a much larger selection than they have. I can't promise I won't buy anything, but if I do, it certainly won't be a full price and it will be a jumper!
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Seasidegal58
    • By Seasidegal58 15th Oct 16, 9:40 PM
    • 494 Posts
    • 2,461 Thanks
    Seasidegal58
    Enjoy the rest of your time with your family. Oh for the day when I can start getting rid of some clothes because they are too big!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • Alarae
    • By Alarae 16th Oct 16, 9:07 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    Enjoy the rest of your time with your family. Oh for the day when I can start getting rid of some clothes because they are too big!
    Originally posted by Seasidegal58
    Ah, its both a good and bad problem! Good for the waistline, back for the bank balance!

    Time with the famalam was fab. Made a cooked sausage and bacon breakfast for everyone this morning for the grand cost of 50p per person, as I picked up sausages, bacon and bread at L!dl for a grand cost of £2.33.

    Unfortunately, that is where the money saving ended!

    Here is a list of spends for today:

    - £17.04 in Gap on a new jumper.
    I am struggling to find long jumpers that go past my bum as I love wearing them with leggings for a comfy outfit. This was a lovely charcoal grey, long sleeved (none of this short sleeved business) and went to mid-thigh. Looked lovely with my leggings and riding boots. Was also 50% off in the sale and as Gap will be great quality. Cost was a bit more than I would have liked as most things I am buying recently average at under a tenner each, but I can kind of offset it as I will get birthday money next month, which I would have spent on jumpers anyway. This one just came a bit early.
    -
    £6.50 (my share) on a dozen Krispy Kremes.
    No excuse for these. They were scrummy though
    - £20 on a coat for my nephew, an early Christmas present.
    - £8 on a bobble hat for my sister, a late birthday present.
    - £3 on some cactus tealights as a funny filler present for my other sister.
    - £7 on parking.
    - £6.75 (my share) on some fab reduced food bargains in M&S. Grabbed a load of meals for £1-£1.80 each!
    - £12.89 on mascara - 3 for 2 in superdrug (£6.99 each) plus 10% student discount.

    For a grand total of £81.18 I am due around £37 back in cashback on my American Express card this month which will help offset the costs, but... Looks like my first wage from Showcase will be paying this lot off. I guess I wasn't expecting to be starting there so soon, so that's something... I guess.

    And here I was surfing the HOF sale while in the bath, ready to spend another £20 on a couple of jumpers reduced in the sale. I think I will hold back on buying more jumpers for now, as I have three new ones to wear now so that will see me through until my birthday next month.

    OH and I did book tickets last night to see Sean Lock at our local theatre for next May. Tickets were £25 each but we have decided to treat ourselves with the buffer in our joint account, so no spend (thankfully!).

    So all in all, a very spendy day. The Krispy Kremes were definitely unneeded, but went in there with my sister and nephew so we did split buying a dozen to share with the men when we finished shopping. £31 of the spend was on presents, but warranted anyway.

    I am in town this week for training Mon - Thurs, so saving on petrol as away from the office. I will need to pick up a bag of salad for lunch tomorrow, as completely forgot when I was in the shop today. Might pop out later on tonight and get it so tomorrow is a NSD... but that may be going a bit far! I have the gym tomorrow after studying so need to make sure I get my gym bag ready as I need to make sure I leave early tomorrow to ensure I get a parking space as I don't want to have to pay for parking again even if I can reclaim it on expenses. Plus the 30 minute walk is wonderful. Need to walk off those doughnuts I have scoffed after all!
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Alarae
    • By Alarae 18th Oct 16, 9:32 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    Still slogging with studying... Accounting and Business Tax... help me!

    Unfortunately this guy's style of teaching is really not in sync with how I learn, since he is very much assaulting with questions and is super time pressured, which means my brain just dies. I need to be confident I have the knowledge before I can put up with this- unfortunately, I'm not and this guy isn't helping. Luckily I have a week off work before my exam so I will do mountains of question work then.

    Parked at the university again and walked to and from town at 30 mins each way. Saves on cash flow for reclaiming parking expenses and means I get an extra exercise piece in.

    Yesterday at the gym was Body Conditioning, which is probably Body Pump to most people, followed by Bokwa which is a dance routine class. Similar to Zumba, except you follow patterns of steps to letters and numbers. Today was meant to be Pilates and then Spin class, but my quads are still aching from yesterday so only went to Pilates to help stretch things out. As I'm doing the extra walking this week I don't mind missing the class.

    No NSDs yesterday or today... Spent £27.30 in Mr A (although some to come back from OH) on lunch bits, veggies and a bag of mini mixed chocolates/sweets for £3. The sweets were probably not required but the little small treats really help me with sugary cravings and keeping on track diet wise.

    £2 spent today on a couple of notepads, as I used up the rest of the one I bought last week this morning on the revision class.

    Also had to pay off a BNPL on my Very account along with a Take 3 payment to avoid interest... that was around £70 (trainers I bought for the gym like six months ago).

    OH and I are off out tomorrow evening to see Jimmy Carr but he has said he will pay for parking if I drive (so he can have a beer!) and I won't bother buying a drink there as I don't want to pay almost a fiver for something sold for a pound in the supermarket! So aiming for a NSD tomorrow.

    Now I should be working through some study questions but I can't really face it. My brain is mush. Early night me thinks, tucked up with OH and an episode of Hell's Kitchen US from Youtube!
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Seasidegal58
    • By Seasidegal58 18th Oct 16, 9:54 PM
    • 494 Posts
    • 2,461 Thanks
    Seasidegal58
    Yum - Krispy Kremes!

    Enjoy your show with OH tomorrow.
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • Alarae
    • By Alarae 21st Oct 16, 4:46 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    Yum - Krispy Kremes!

    Enjoy your show with OH tomorrow.
    Originally posted by Seasidegal58
    I never used to like Krispy Kremes then I tried the Dreamcake one... lush!

    JC was a great laugh as always. Had fab seats on front row of the balcony, so no obstructions and OH could use the balcony as a drink stand! Plus we were on the aisle so I could stretch out my legs which were still aching from my weights class on Sunday.

    Yesterday and today are NSD!

    Today was my only day in the office. Started at 8:30am, finished at 12:15pm! OH came back for lunch which was nice, so we had a bunch of chicken dippers. Reminded me of my university days!

    Had booked a half day holiday as I had to be home for the new phone line installation for the Sky internet and water meter survey man. Swapping from Virgin Media paying £23ish a month to the MSE Sky deal for half price line rental at £8.40 a month and free internet for a year. It's up and running now and I honestly do not see any difference in speed from fibre! False economy for us at least.

    I've been battling with Thames Water for at least a year about getting a meter on and off (I get busy). Basically they came out last June, surveyed the house and said we could have a meter. Guy came along and done it while we were out and managed to shut off our water. Had to get the emergency team out and they didn't finish drilling until 1am! Bet the neighbours loved us for that. Fast forward a few more months and had another survey done as the water meter hadn't kicked in, the guy couldn't open the hatch. Had to get another team out to fix it, then call for another survey. Had THAT today, and the meter has been marked up and someone should come along to install it within 30 calendar days. We'll get there eventually! We are paying around £24 a month unmetered when we paid £90 for a whole year in our last metered place

    Had some good news today as well. On my revision course last week we did a mock exam in test conditions on the last day. Got my script to my work email and I got 81%! Considering I only need 50% to pass, I'm feeling a lot better about Paper 1! Paper 2 on the other hand...

    Almost forgot, had my first actual shift at Showcase last night, 6-11pm. Not hard at all, picked it up quickly as I'm on the box office and I have a ton of till experience from working in Sainsbugs during university. Everyone is lovely so I'm enjoying it so far! The extra pennies help too. Should get my first pay next Friday, which only be for that shift so around £35. I'm scheduled for around 15 hours each week though, so should have a weekly take home of around £100, so £80 after tax.

    Working at Showcase tomorrow 9-6. Need to remember to make myself lunch of some kind tonight. I bought peanut butter for when my nephew came up last weekend so I reckon it may be peanut butter sandwiches! Good thing I like the stuff as there is basically a whole pot left

    Matched betting has died down a bit, did a small reload offer today for around £5.50 profit.

    Realised this morning on the journey to work that my left headlight has blown on my car- will need to do some investigations on how to change it and see how much a bulb is at the weekend. With the days getting shorter I need to have it changed sooner rather than later.

    Even though I have not eaten fantastically healthily this past week I have still been monitoring my calorie intake (yes, even when I scoffed for KK doughnuts!) and I am now 9 stone 4! Not long until I can break the 8 stone something mark. I don't think I have seen that number since I was in Year 4...

    Nothing else to report so I am signing off for a lovely soak in the bath!
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Seasidegal58
    • By Seasidegal58 22nd Oct 16, 10:41 PM
    • 494 Posts
    • 2,461 Thanks
    Seasidegal58
    Glad that everyone is nice at Showcase - makes all the difference - -and the money sounds very useful too!

    Good news on the mock exam as well!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • Alarae
    • By Alarae 23rd Oct 16, 6:55 PM
    • 246 Posts
    • 213 Thanks
    Alarae
    Glad that everyone is nice at Showcase - makes all the difference - -and the money sounds very useful too!

    Good news on the mock exam as well!
    Originally posted by Seasidegal58
    Thank you Seaside! The mock result was a definite shock, but has certainly calmed my fears a bit for 1 November. Just need to cram this last week to make sure I deliver on the day, as I can't bear to have to resit (obviously I will if I have to!)

    Shift at Showcase on Saturday, scheduled 9am - 6pm but left earlier at 5:15pm as it was a bit quiet. I'm fine with that- meant I could have a nice relaxing bath when I got in! Unfortunately I trusted my body clock that morning and thought I would naturally wake up at 7:30am as usual on the weekends- nope! Due to a wake up call from the cat at 6am and dozing back to sleep I didn't get up until 8:15am! Had just enough time for a nip to the loo, change to uniform, make some peanut butter sandwiches and grab a mini lion bar and some crackers for breakfast! I was on time, but definitely need to be more organised next time

    OH treated me to a lush chinese takeaway when I got back- yum for my tum but not my waistline! Did mean a NSD though as he didn't want anything from me towards it

    After a well-deserved lie-in and binge on a few episodes of Judge Judy in PJs, OH and I nipped to Mr A to grab some foodie bits. I only needed to pick up a bag of salad for lunch on Monday, as I'm at home on study leave the rest of the week so I'll eat out of the cupboards. May not be as healthy as my usual chicken salad but it will definitely be cheaper!

    All in all about £11.50 spent as picked up some reduced meats for the freezer. Picked up a massive boneless pork shoulder for about a fiver, so I will research how to cook it in the slow cooker for BBQ pulled pork as it will go us for 3-4 meals- depending on how much OH eats! If anyone has a recipe it would be greatly appreciated!

    Oh... did also spend £2.38 in Maccy D's... one Malteaser McFlurry for me and a Chicken Mayo for OH

    I'm just in the process of printing off photos from our wedding back in August to put in the thank you cards (I know I know... it's taken a while!) and I'm using Asda photo as it works out at 5p a photo if we order 200+, so just over £10 which isn't bad. Works out cheaper than printing off just what we need oddly enough. Unfortunately the photos are taking an age to upload as the files are quite large (HD ones from photographer) so it may take all night at this rate!

    That's everything to report at the mo, so I'm off to enjoy some leftover chinese for dinner!
    Slimming the Wallet... and Me!
    09/10/2016
    MBNA:
    £5,165.93
    (£360.62) AA: £972.00 (£25.00) Barclaycard: £938.54 (£0.00)
    • Seasidegal58
    • By Seasidegal58 23rd Oct 16, 9:20 PM
    • 494 Posts
    • 2,461 Thanks
    Seasidegal58
    Enjoy your left over Chinese! It's always incredibly moreish the next day for some strange reason..........
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
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