Running around in circles again

YESSSSS just seen the electricity bill - the electric company owe me £118 and it should be back in my bank account by the end of next week...and the payment is going down by £15!

So that'll be £100 to the emergency fund and £18 for a treat for us to celebrate bringing our electricity consumption down 12%

Happy dance ahoy!

MeenaM wrote: »

Hi
Well done on getting your emergency fund ! and good luck with 2018 debt free

how much have you made on YouGov? i started that i am on 950 points how long does it usually take for a payout?

Thank you I'm stuck on £37.75 at the moment...I'm only doing it in fits and starts though as I don't have a huge amount of free time at the computer. It's pretty much a Sunday morning gig for me

louby40 wrote: »

Hi and well done on what you have achieved so far.

I’ve been doing YouGov for about 18 months now and have cashed out £100 in that time. It’s one of my favourite surveys as it’s quick and easy. The second £50 seemed to build up much quicker than the first.

Opinium have just paid me £25 and I’ve only been doing that one for about 4 months so that was quick. OnePoll is also good as you don’t get kicked off and I’ve just (today) got a £40 payout from them.

Surveys are pretty dull but I reckon I’ve made £500 since starting them in June 2016. It’s easy money and I just sit and do them whilst I’m watching TV.

Louby

Thank you I do them when hubby isn't around as we don't have a lot of time to spend together and I feel bad at sitting in front of my laptop. I get booted off 0nep0ll surveys all the time, it's getting painful trying to get to £40 but I swear I'm not giving up until payout!

Hurrah for payday. I get so excited to do my budget. I've also almost run out of fun money, boo. I was going to order some craft stuff this morning but forced myself not to until I'd updated and reconciled my budget. I'm so glad I forced myself to wait as I don't have enough in the budget - buying it all then discovering that would have sent me into a guilt spiral and would have spent loads more money. I'm kind of proud of myself really, I'm not going to lie.

I also told my husband about my credit card debt. He was hurt and disappointed that I hadn't told him before; I explained that I hadn't told him as I didn't want him to feel bad about not not being able to help. Everything is fine but now he knows I'm not going to be able to squeak past as many silly purchases.

My grocery bill is super low this week as I got a gift voucher from work. We could have anything we wanted but I went super boring and went for a supermarket one to free up some money in the grocery budget whilst still being able to buy a few special bits without feeling guilty. I'm going to make a relatively small payment to my credit card and reassess in the new year to see how much I can squeeze out of the budget. The credit card payment will round down nicely though - always like a round number!

I wish I knew how to keep up momentum between paydays. I get so impatient for the payments to go out, update my number, watch the red bar on my net worth report on YNAB to go down...then for about three weeks I don't get any of that and that's where I get lazy with spending. It's silly - I have so much I could be doing. SO many craft supplies (though we're redecorating what will become my craft room at the moment so it's mostly piled up in boxes waiting for the IKEA shelving unit to be bought and put together)

On the bright side, my emergency fund has gone into a savings account with a relatively decent (though totally abysmal compared to what I grew up with) savings rate, so that will carry on growing, albeit slowly, until my card is paid off and I have a break from debt hammering to put some more cash in there. I feel like my safety net can never be big enough.

Thank you to anyone and everyone reading - writing this is really helping me!

Well, I set my shopping limit to £52.90 (the amount left in my budget for December) and set my target at £32.90, so I could put £20 to my credit card. I made a careful meal plan, wrote my shopping list (and only forgot to put one thing on there! I'm quite chuffed), got some frozen meat out so I can cook it this afternoon to prepare for this week's meals, and ended up spending £26.19. I'm so pleased!

I was going to save it all up and make a larger payment towards mid January but I think I'll make the payment now, before I fritter it away.

Whoops, had a bit of a slip up week and overspent, massively. Moving money around my budget means it's not so much of a huge deal but I cannot spend out of budget for the next 9 days until payday.

I'm pretty pleased with my debt before xmas 2018 total - 5.5% in less than a month, though I need to hit 8.3% every month. I'm getting there, I'm getting there. Looking forward to putting the free council tax right to the card. But you know what? Even if I don't make it by Christmas 2018 fully, I'll be almost there. I'll be so close I can touch it, and I'll be done before the interest free deal ends.

My weight did the same thing as my spending this last week; though I'm hoping to recover and have another week where I lose weight on my official weigh in. We'll see