£70 a day's what the panda will pay!

Keeping_Positive

Hi Panda

Good luck with the new £70 a day challenge.

I am the same when it comes to non monthly/irregular payments its a pain to work into a monthly budget. How about adding these up and dividing by 12 then try to stick that much a month into a savings account until its needed?This helped me at the start of the year when I have more excess income to save for the latter half of the year when costs increase.

yukkibear

Hi Panda, just wanted to say good luck and I'll be reading with interest. I haven't read your previous diary but I will be going back over to read it. It certainly sounds by what other people have written about you that if anyone can shift that amount of debt then you can.
I know how you feel with a baby around getting things done, my dd is 14 months and getting anything productive done is a nightmare half the time lol if i need to leave the room on my own.

pandapaws

Lucifa73 wrote: »

Excuse me for butting in but what is this 'squares' thing that's been mentioned a couple of times?

Hi Lucifa! It's a motivational 'tool' that Hypno has designed, I think someone else suggested it to her in her thread. Here's the blurb:
http://forums.moneysavingexpert.com/showthread.html?t=1067269&page=24
Not decided how to work mine out yet but I used to do something similar when I was a kid, counting days down to holidays or Christmas and it did make things seem to go faster!

Keeping_Positive wrote: »

Hi Panda

Good luck with the new £70 a day challenge.

I am the same when it comes to non monthly/irregular payments its a pain to work into a monthly budget. How about adding these up and dividing by 12 then try to stick that much a month into a savings account until its needed?This helped me at the start of the year when I have more excess income to save for the latter half of the year when costs increase.

Thanks! Last year we actually tried moving money across monthly into a different account for the annual car expenses but we ended up using it for fuel as we hadn't budgeted enough! Not quite to plan! I did think about doing it again but when I thought about it, I'd be better paying the money straight off a debt than keeping it in the bank all year, and just paying outright for these things when they happen.

yukkibear wrote: »

Hi Panda, just wanted to say good luck and I'll be reading with interest. I haven't read your previous diary but I will be going back over to read it. It certainly sounds by what other people have written about you that if anyone can shift that amount of debt then you can.
I know how you feel with a baby around getting things done, my dd is 14 months and getting anything productive done is a nightmare half the time lol if i need to leave the room on my own.

Hi Yukkibear! Maybe we should all get together and create some sort of virtual creche and take it in turns to get stuff done? Don't waste too much time reading about me though - I promise there's nothing particularly interesting in there, so go make some money instead!

ciara2712 wrote: »

:wave:
hi panda! glad to see you're back and all is well in the panda household!

Hi Ciara! Good to be back! Where's that in your avatar?

Floxxie wrote: »

no news here about another child but fingers crossed it will happen soon (any excuse not to eBay - lol!)

Ooh, make sure we're all the first to know! And if you need any more baby stuff then just ask - I'll gladly [strike]do anything to get out of ebaying mine[/strike] help a friend in need.

pandapaws

pandapaws wrote: »

[strike]Feed, dress and entertain kids [/strike] (although the 'entertaining' involved rather a lot of TV )[strike]
Do a mountain of washing AND NOT leave it lying in the machine to rot
[/strike][strike]Clean up the kitchen[/strike] - Spotless except the floor as I couldn't find the hoover
Hoover downstairs - Couldn't find the flippin thing. Found it eventually in the bathroom but too noisy now as kids in bed (good excuse, eh?!)
[strike]Send a thank-you card to an auntie for a belated baby gift[/strike]
Ebay: car, moses basket, crib,[strike] a bathroom cupboard [/strike]& a kitchen trolley - I hate Ebay!
Lay a floor in the bathroom - Left it too late and didn't want to wake kids with the noise. Laid the underlay though.
[strike]Eat properly (including chocolate, of course)[/strike] - done well today.

So partially achieved. I also did several surveys, worked out the whole £70-a-day business and spent rather a lot of time on here . But I didn't spend a single penny - that's my first conscious NSD ever!:jHere's to more of those, it feels... almost... good! In fact it's as good as actually going out and buying stuff but without the guilt or hassle of returning stuff afterwards.

savingholmes

Thanks for the diary - it helps people like me feel our debt is manageable too!

mickey_mouse

well done on having a nsd - as you say the first of many:beer:

It is goooooooooood to have you back and I am loving the diary although i was partial to Cuthbert as a name:D

OliveOyl_2

I struggled to find Cuthbert.

And I spent a happy half hour sorting out felt tips last night for my own colouring in chart (not very high tech me )
580 squares @ £50 each.......divided over some days ( ) = DF-ness....I think. :rotfl:

pandapaws

savingholmes wrote: »

Thanks for the diary - it helps people like me feel our debt is manageable too!

You're very welcome! It keeps me sane (well, almost).

I think I'll be doing the boxes today as well! Here's my list for today:

Raid Adam's colouring box, make squares (that'll get done as it's a fun one!)
Feed, dress and entertain kids - may be going swimming later
Sort out the mountain of clean washing that was done yesterday
Tidy lounge & hoover all through
Clean Greg's Entertainer baby gym thing (mammoth task)
Check all email accounts, do all surveys, check for mystery shops & do spreadsheet update
Order some Tesco vouchers to buy wine
Lay the bathroom floor, part 2!
Post some letters
Put car, moses basket, crib & trolley on Ebay

boredofbeingathome

Hello from a slightly older Northerner, well North west lancs ( is that ok?) I read your other diary and i like your approach..reminds me of myself at your age *cough* I have to get my arris into gear and reckon i will shamelessly nick ideas off you,Olive and Hypno and will use the spreadsheet as one of our 0% cards is up in November (Mr.B's) and he needs motivation..i am thinking stuck on fridge where is usually lurking..then he can see how much he has to overpay..

Hmmm off to make list.

Nice to see your positive self about.

BOB X

pandapaws

Thanks Bob! It's good to feel positive, we weren't so a few days ago but I think you've got to be when you've got this much debt to shift, otherwise... well, anyway...!