Mariagti's Bargin hunting, Save for a deposit & start a family diary!

barnaby-bear

halight wrote: »

Hi,
I would just like to say that you are doing really great.
you will be in your own house before long.
well done
all the best for 2009

I'm guessing if you've been in debt and do so many voucher things that you are quite careful with money and credit. IF down the line you do plan to buy a house the sad thing about mortgage credit checks is that they value the ability to pay off credit responsibly so it might be worth having a couple of credit cards you pay off on time and in full religiously so you have a payment history - a mortgage is a huge loan so responsible use of credit is assessed.
If you cant use credit cards safely don't go there yet but avoiding credit cards can make you less credit-worthy ironically....

mariagti

barnaby-bear wrote: »

I'm guessing if you've been in debt and do so many voucher things that you are quite careful with money and credit. IF down the line you do plan to buy a house the sad thing about mortgage credit checks is that they value the ability to pay off credit responsibly so it might be worth having a couple of credit cards you pay off on time and in full religiously so you have a payment history - a mortgage is a huge loan so responsible use of credit is assessed.
If you cant use credit cards safely don't go there yet but avoiding credit cards can make you less credit-worthy ironically....

Hi,

Oh yes i still use my credit card all the time...my Asda one mainly as i get cashback on it everywhere i shop and money off petrol with it. So i buy only with my credit card. Then like you said the end of every month i pay it off in full. I also have my contract phone direct debits that come out, so that will also be active on my credit history too. And another credit card that my ebay fees come off.

mariagti

Morning all,

Right im feeling really motivated today! I couldnt get any sleep last night so spent alot of the night thinking of ways i can make extra money this week while im not at work.

So heres my list of things to do today:

• Mi-info clicks done
• Quidco clicks done
• CBK clicks done
• Scratchcards x2 done
• Check online banking done
• 5 forum msg's & 5 slot plays on bingoport
• Open an 888ladies bingo account for free £10 play done
• Wash my car & fix speedo dials ( the dials no longer light up! Told from GTi forum its probably the fuse as they have all gone out)
• Sort through room for bits to sell on ebay

Then with OH

• Open a TAB scratchcard done
• Open 888 ladies account for free £10 done
• Open sunbingo account through WPT for CB
• Open paddypower though quidco for CB
• Open lovefilm rental through quidco for CB
• Mi-info clicks done
• Quidco clicks done

That should keep me busy for a while!

mariagti

Afternoon,

OH needed to go to the shops again for a wireless router so he can use his laptop in his room. He dragged me along as he didnt know what he was looking for, i managed to find a good Philips one in the sale for £19.98 Half price!:D
I saw some gorgeous Apple macbooks...i dreamt for a while of buying one but then snapped out of it. I did buy a new pair of trainers for work though reduced to £10! Bargin.:)

I withdrew my first £10 from scratchcards today Yay!

Wages have gone into bank, ive just got to do some budgeting then might put some in the ISA.

mariagti

Morning,

Ive got tones of things i need to go today before the start of the new year. First of all is de-clutter my bedroom as i didnt do it the other day, i will be making 3 piles

1. Charity shop
2. Ebay
3. The bin!

I need to change the whole bedroom around as my parents house is old and damp every year my bedrooms outside walls get covered in mould as the front of the house where my room is never gets the sun. It really effects my asthma badly, my mum cleans it off for me every weekend but by the next its there again. My massive wardrobe is on one of the outside walls which doesnt help as the air cant get round the back of it properly resulting in thick mould behind it! So i will be moving my whole bedroom around today.

Ive decided to sell 2 of my christmas presents that werent very good, a CD that i will copy first;) there was only 2 good tunes on there! And a Wii game that was pants....i choose both aswell!
I saw play are letting you sell 10 things for free, ive never sold anthing with them before, but i will give it a go anythings better than ebay.

Ive also just signed up for Blockbusters free trail so should have another £8 CB tracking next week.

mariagti

Right, well ive spent all day sorting my bedroom and hardly made any progress! Ive sorted through all the cupboards and under my bed chucking away rubbish and sorting paper and card for recycling. But thats as far as ive got! The room will be moved arund 2moz with help from my OH!

I was looking at my tv and well was thinking about buying a new one! As its a huge old thing and the colour has gone wrong anything green shows brown and its awful to watch plus very heavy on my chest of drawers. I was having a look and can get a sony 32" LCD tv with HD ready and freeview for just £309 delivered. Ive still got half the money OH gave me for christmas so i would need to pay £250 out of my own money. Also we will need a TV for when we move out!:rolleyes: I dunno what to do, £250 is alot to take out instead of putting in savings. I must decide tonight as that price is with a code for £25 that ends tonight.

I have got £100 in amazon vouchers but the LCD's are still expensive on there.

mariagti

Right come to a decision already....im not buying it! Im going to put up with old brown one until i have filled the rest of my ISA up THEN have another think about getting a new TV.

As its the end of the year i best total up free things in 2008:

Competition wins £615
Vouchers £472.50

And best of all i became debt free in 2008 and i will hopefully stay that way until i have a mortgage!:D

Hopefully 2009 will bring me some lovely wins! Fingers crossed! I cant believe how many vouchers i made this year!

:beer: Happy New Years Eve:beer: everyone! Have a good one. Drink some for me as im not going out!

mariagti

:beer: Happy New year! :beer:

I hope 2009 brings good fortune and happy times for everyone reading this!
I love the start of a new year!:j

My first challenge im setting myself is to fill up the rest of my ISA, i want to do this by end of March at the latest. So i need to raise £1500 in 3 months!

lilmissmup

Well done Maria on resisting temptation! Its great knowing the year starts being debt free isn't it!

Happy New Year Hun, Hope its a great one for both of us! :j

jenjade

My taget is sinular to yours but all the other challanges i have joined will help me to reach it! i also want to sill in isa in april. i have £1,600 so i need 2K in 3 months!! eeekk

if i make £10 a day everyday that will be £900 (90 days)

Then i save £25 a week from wagesso £300 i will have to make some extra!!