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  • FIRST POST
    • LordNolo
    • By LordNolo 9th May 17, 8:05 PM
    • 29Posts
    • 47Thanks
    LordNolo
    My diary - over 50k of debt to clear!!
    • #1
    • 9th May 17, 8:05 PM
    My diary - over 50k of debt to clear!! 9th May 17 at 8:05 PM
    Hi all

    My first attempt at doing a diary of this nature so any and all feedback welcome

    Thanks to the support of the money shed and MSE I have now started my journey into the world of saving and earning money over and above my normal income!

    A bit about me first - I'm 32, work full time, live in North Wales (which I love!), have more debt than you can shake a very big stick at and am single with no kids.

    My main objectives for being on here are as follows:

    1. Save money for a trip to America in August (I aim to put aside 2000 in May, June, July and August to do this!).
    2. After I have had my trip to America I aim to start putting money into an emergency fund with a target of 3000 in mind.
    3. Hit the magical figure of earning 1000 a month each month on top of my wages, after tax, without doing any matched betting!
    3. Once I have put my emergency fund in place I then aim to save enough to pay off my hire purchase agreement (currently about 13,500 and my biggest monthly expenditure after the mortgage). By the time I've completed objectives 1 and 2 the monthly payments I am making on my HP will have chipped away a bit at the outstanding balance so I'm hoping that by overpaying each month I'll get the balance to zero in no time.
    4. Move on to tackle other debts (I'm just about to enter a Debt Management Plan for these).
    5. Once all debts are cleared I then plan on making over payments on my mortgage with the aim of being mortgage free by 50 (current mortgage deal runs until I'm 62).

    So some ambitious targets there but I find that if I have set goals in mind it gives me something positive to work towards.

    Thanks for reading and I hope you all enjoy the journey that we're about to go on together.

    :-)
Page 2
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 10:42 PM
    • 2,974 Posts
    • 11,110 Thanks
    Hiddenidenity
    All looking good

    I've never done mystery shopping but it sounds good!

    DFW 328.71/7348.71
    You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose.
    Rent Arrears 31.28 /3381.28
    • Purplemumof2
    • By Purplemumof2 19th May 17, 5:16 AM
    • 4,457 Posts
    • 13,996 Thanks
    Purplemumof2
    Hi Nolo,

    Thanks for popping in on my diary.

    You're doing really well and I've subscribed so I can follow your progress.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 7800.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • LordNolo
    • By LordNolo 22nd May 17, 4:42 PM
    • 29 Posts
    • 47 Thanks
    LordNolo
    Hi Nolo,

    Thanks for popping in on my diary.

    You're doing really well and I've subscribed so I can follow your progress.
    Originally posted by Purplemumof2
    No problem - thank you - I enjoyed reading your diary :-)
    • LordNolo
    • By LordNolo 22nd May 17, 4:42 PM
    • 29 Posts
    • 47 Thanks
    LordNolo
    19/05/2017

    Hi all - got a bit drunk with the tenant on Friday night so a bit of a delay in posting my daily update but here it is!

    Managed to get all my mystery shops approved after a bit of back and forth with the agency - got some really positive feedback as well which was great.

    The most exciting news though is that I now have a functioning Iphone!! And I love it. Already started earning money with it as well. Not huge amounts so far but this is because I'm giving myself a bit of time to learn about it and what it can do for me before I get stuck in.

    I'm enjoying the mystery shopping but scheduling it all around work is proving a challenge. I think this is something I will get better at and I think the iphone will help as well once I've found a decent calendar app.

    I've realised that some of the survey sites I've signed up to give amazon vouchers so I've started to work towards earning some of these so that I can buy the printer I want without having to pay for it! I've seen a decent printer on amazon that has a scanner, email facility etc built in that's available for 60 with 10 cashback that I can claim afterwards - so with a bit of effort on my part I'll hopefully be able to get a printer for free and 10 for my troubles!

    No mystery shops scheduled for the weekend as I need to give myself a bit of a break. Working a full time job and then doing mystery shopping and surveys on top of it is hard going but seeing my bank balance in the positive is certainly help keeping me motivated.

    Hope you're all keeping well
    • Hiddenidenity
    • By Hiddenidenity 22nd May 17, 9:08 PM
    • 2,974 Posts
    • 11,110 Thanks
    Hiddenidenity
    All good progress

    Hope you had a good day

    DFW 328.71/7348.71
    You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose.
    Rent Arrears 31.28 /3381.28
    • LordNolo
    • By LordNolo 25th May 17, 6:43 PM
    • 29 Posts
    • 47 Thanks
    LordNolo
    20/05/2017 - 25/05/2017

    Ok so thought I'd cover a few days int this update.

    My main focus this week has been on completing surveys - so far I've got up 24.22 on prolific academic so am just in the process of setting up a circle account so I can withdraw it all!. I'm up to 37 on populus live as well so not long before I get a 50 cheque :-)

    I've also earned just short of 30 in amazon vouchers so I''m almost halfway towards my new printer target!

    I've been able to do a couple more mystery shops this week and have also joined citizen me which is bringing in a few pennies here and there. Qmee is also proving useful at generating the pennies when I'm doing my web searches as well (although I'm careful not to abuse this one!). A large amount of tobacco checks have come up on task 360 so I plan on spending Friday walking around the town doing these and anything else I can pick up. Given the weather I think I'll be treating myself to an ice cream as well!

    I've been down in London for a couple of days this week working in Westminster. Given the current circumstances I decided it wasn't a good idea to walk around taking photos on my smartphone in this area so decided not to do any app based tasks during this time. I was shocked and saddened by events in Manchester and my heart goes out to the victims and there families. It was both reassuring and slightly scary to see soldiers patrolling the streets of Westminster yesterday. I also had to escort a colleague on the tube as she was nervous about travelling on it on her own. For me I think these events have just reiterated how important it is for us to carry on living our lives and seeking fulfilment in them wherever I can. With that in mind I'm off to a fitness class now!

    I hope you all have a good evening - I shall be returning to more frequent and probably more long winded updates soon but being on my travels does tire me out!
    • LordNolo
    • By LordNolo 27th May 17, 1:32 AM
    • 29 Posts
    • 47 Thanks
    LordNolo
    26/05/2017

    Today I went out to do a few apps on task 360. Unfortunately though as I walked down the street they all disapeared! It seems someone else had the same idea :-( Next time I will be quicker off the mark as it was a good 24 work of opportunities! I did however manage to do a task on roamler and a mystery shop so not all bad.

    I've also been accepted to take part in an online focus group! Which is great news as the payment is an amazon voucher which will help me get towards my printer target.

    I'm now ready to count how far I am towards the America Target (2000) and so far I am 10 per cent of the way there with 200. I have some more payments due to come in over the next few days so I'm quite pleased with what I've achieved so far.

    Tonight I had a few friends round to mine, they bought food and drink so I had a good no spend day and got drunk in the process! I appear to have still retained the ability to type though :-) I shall be doing a few more surveys before going to bed and perhaps a couple of searches on qmee - it all adds up after all :-)

    Tomorrow I have arranged to visit a nearby town and do a few mystery shops there. I'm hoping while I'm there that there might be some app based tasks in the area as well but we shall see. If all goes well I will pay a visit to the cinema on the way home and watch wonder woman. I have a membership at the local cinema so it won't cost me anything to watch it :-)

    I will then have a nice easy Sunday and Monday focused on doing some surveys as I work towards my 60 amazon voucher target. Currently I'm at 34.85 so it's building up quickly.

    Last night I joined circle so I could do a withdrawal from prolific so that's 24.12 on its way to me. My pending balance at prolific is already over 9 so it looks like I'm on course for some good earnings.

    At utest I'm doing some sandbox testing - however, I'm not finding it as easy as I thought it would be to be honest. Might have to look into this one a bit further.

    Finally I also heard from lionbridge after contacting them and my exam has been pushed back to mid June. Not ideal as I was hoping to pass this and be in a position to get paid before I head off to America. That being said though the mystery shopping is proving to be a good earner and certainly keeping me entertained! Although filling out the reports afterwards can be a bit monotonous!

    I hope you all have a good weekend and thanks for reading :-)
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