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    • jemreading
    • By jemreading 29th Jan 18, 7:58 PM
    • 321Posts
    • 368Thanks
    jemreading
    The Debt and I - Take 2
    • #1
    • 29th Jan 18, 7:58 PM
    The Debt and I - Take 2 29th Jan 18 at 7:58 PM
    Hello,

    Something strange has happened.. My spending diary that was titled 'nearly debt free diary' seems to have disappeared..

    Back story: I was a lurker on the boards for a bit, made a diary, added to the debt and have now have lost said diary.

    Debts are as followed:
    1. B'Credit Card - £1,330 at 18.9% - no chance of a 0% interest free card.
    2. Argos Card - £452.87p. Both 0% interest free. One until July 2018 and one until October 2018. £308.87p of this is my parents. They will be paying me back in June.

    The main plan is to pay off the B'Credit first and then take on the Argos card.
    Last edited by jemreading; 29-01-2018 at 8:26 PM. Reason: Update on B'Credit Card
Page 2
    • jemreading
    • By jemreading 7th Feb 18, 1:34 PM
    • 321 Posts
    • 368 Thanks
    jemreading
    I am not sure if anyone will see this, however, my post count has gone back up and I have checked.. my old diary is now back.. I am very confused!
    • jemreading
    • By jemreading 8th Feb 18, 10:43 AM
    • 321 Posts
    • 368 Thanks
    jemreading
    I forgot my lunch. Only realised when me and OH were 3/4 of the way into the walk to work. I will aim for a spend under £5.

    It!!!8217;s a pain, so will eat my lunch at dinner as OH is out this evening and would have had to cook a meal for myself.

    I also need to consider what to take tomorrow night. I have a leaving dinner/drinks to attend, so will aim for £10 for dinner, £10 for drinks and £5 for a taxi home.
    • jemreading
    • By jemreading 8th Feb 18, 8:34 PM
    • 321 Posts
    • 368 Thanks
    jemreading
    I got £30 cash out today. This will have to get me through today and tomorrow.

    I'm tracking my spending for this month on a spreadsheet now all my direct debits have gone out. The amount I spend on additional food and snack goods is incredible. This is definitely where most of my money goes.

    Still waiting for my PA survey money to go into my p'pal account but it's taking a bit of time at the moment.

    I'm also meeting friends for coffee at lunch tomorrow. We are trying to encourage each other to spend less so we are going to a cafe where they let you take your own food in We are trying to help someone who is having difficulty controlling their money - I've told them to check out this website and given them some useful tips!
    • jemreading
    • By jemreading 10th Feb 18, 11:29 AM
    • 321 Posts
    • 368 Thanks
    jemreading
    I have £3 and a bit of change in my purse from last night.

    I paid for dinner/tapas for three of us. My friend owes me £5.80, one paid straight away and the two people who owed me £3.50 paid up.

    I spent £17.40 on dinner (so £5.80 each - still £5.80 to come back) £3.05 on a drink and then £5 on going a 3rd on a big bottle of prosecco. I used the money I got back from my friends to pay for the prosecco.

    The £3 I have in my purse are going in my Christmas money pot. Will need to crack that open at the end of Feb so I can check how it!!!8217;s going.

    Still waiting for my PA survey money to hit my account and will need to check topcashback too.
    • jemreading
    • By jemreading 10th Feb 18, 1:47 PM
    • 321 Posts
    • 368 Thanks
    jemreading
    Done the shopping for the week. It came to a grand total of £38.28 this is quite good for us seeing as we normally spend £45-£55 a week.

    We only have one more food shop to do as we are holiday for one week. We have £91.90p left in the food shopping envelope. Next month we will still take the normal amount out so we will have a bigger pot for March.
    • jemreading
    • By jemreading 11th Feb 18, 10:24 AM
    • 321 Posts
    • 368 Thanks
    jemreading
    Yesterday was a NSD (other than the planned for shopping spend which came out the monthly food pot)

    I frequently have NSD over the weekend as I have my weekends planned out and sometime it involves not leaving the house!
    • jemreading
    • By jemreading 15th Feb 18, 10:09 PM
    • 321 Posts
    • 368 Thanks
    jemreading
    The weekend was a whole no spend weekend, managed to keep out of trouble!

    Me and My OH went out with work friends for lunch on Monday, it cost me £11.60 - I paid for both and my OH is paying for breakfast on Saturday.

    I spent 20p on Wednesday to buy a pack of crisps with my lunch. I also spent £3.30 today.

    I may need to buy a pack of crisps tomorrow for lunch. I have wraps at lunch but as we go on holiday on Monday we are not doing a full food shop so are trying to get through our main bits. Planned to have stirfry tomorrow and then pizza on Saturday

    The food shopping budget has dropped a bit as my OH did a run to Aldi on Monday to get his !!!8220;health!!!8221; snacks that he didn!!!8217;t pick up on Saturday (when we were there he said he didn!!!8217;t want snacks )
    • jemreading
    • By jemreading 17th Feb 18, 2:56 PM
    • 321 Posts
    • 368 Thanks
    jemreading
    Went out for lunch at work yesterday (OH paid) so I paid for breakfast this morning.

    My parents sent me the first direct debit payment for the wedding which has been moved straight into a different savings account.

    I have £23 left in my main account and some in my own savings account. I won!!!8217;t really need to spend anymore money this month as I!!!8217;m away next week and then when we return it will be 2 days until payday

    I!!!8217;ve been helping some friends who have been struggling recently with their budgets so we all say round together for a quick 30 minutes to discuss things and help encourage each other, which really helped

    We won!!!8217;t need dinner or breakfast on Sunday night and Monday morning as we are taking stuff to the hotel with us before we leave the country. My OH will be paying for Petrol and I have a few pounds in my purse to buy a bottle of water at the airport.
    • jemreading
    • By jemreading 18th Feb 18, 3:25 PM
    • 321 Posts
    • 368 Thanks
    jemreading
    Looking forward to going on holiday tomorrow. No more spending to be done (in pounds at least) and when I return it will be 3 days until payday.

    Any left over holiday money will just be rolled over to the next time we need to use Euros. This will be our holiday in October, however, I don't anticipate bringing too much home.

    I will try and update as I go along but may be taking a week break.
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