My debt clearing diary (oh yes and some help from you guys)

Jaymz

Making you own lunch is a good option. I save about £25 a week by doing this now. Which equates to roughly £1200 a year on just lunch!

dj0586

I have just started bringing in microwave meals from ASDA from the 5 for £3.50 range, can you get any cheaper than £3.50 a week for lunch, i was spending that a day. If you guys did better i salute you as super MS,ers

skintchick

I think £60 a month for food for one is fine - I usually bring mine in around £45 but I budget £60 anyway. It's only £15 a week!

That includes packed lunches for work

dj0586

ok, after a lot of help from people on the board i have sent a letter to the bank to complain about being missold PPI, will let you know what happens, regardless the moneysaving continues. btw, my copy of the money diet arrived last night so not buying any more dvd's for a while, more moneysaving.

dj0586

A quick update guys, recieved letter from bank this morning saying they are investigating my complaint will get back to me by feb 14th, still crossing everything.

*Louise*

Electric 20, gas 15...that is so cheap - how the heck do you manage that?? Can I ask what company you are with?

You seem to be doing pretty well so far with the diary...interesting reading, best of luck. :santa2:

$17mma

dj0586 wrote:

I have just started bringing in microwave meals from ASDA from the 5 for £3.50 range, can you get any cheaper than £3.50 a week for lunch, i was spending that a day. If you guys did better i salute you as super MS,ers

Why dont you take a pack lunch? include it in your weekly shop... much cheaper..

dj0586

wow just realised it been 5 months since i started this thread, had a number of relapses but still in a better position than i was.

To recap my monthly outgoings now are

Outgoings per month
Halifax loan 101 per month, reduced from 129 by cancelling PPI, 9 months to go
Water rates were 34.75 now down to 25 (dont know why??)
Electric and gas now on npower and 35 a month togther, waiting for champers from uswithc (thanks martin)
Mint card min pay around 29, was paying 50 a month with 1300 to go, have paid 400 last month after putting some pressies on it (i know im ashamed) and another 400 to go on next month, will be down to 300
rent 450

Phone insurance 5.99 (cancelled)
Council tax down from 84 to 75
Dell computer 10
Mobile phone 25
Tv licence was 25.30 now £10.50
Car insurance was 60.12 a month, after this years NCD have paid it in one go at 340 with 55 cashback. (Thats what went on CC as wel)
BT phone bill 20 (prepaid broadband through E7 so need this line)
Students loans 52.56 and 26.12 (down to about 1700 now)

Food 45
Petrol down to 20 sometimes car share with gf if based at same office
Cinema 0 dvd rentals trials
Eating out 0, still eat out at least once a week but do it as mystery shopping.

That brings my outgoings to just over 1300.

My incoming are still 1240 (pay 40 to pension funds now, 50% with work)
but good news is my gf pays half of rent now so im 200 better off a month.

With all this i reckon

CC paid off in 3 months
Then bank loan 2 months later
Then student loans 5 months later
Then overdraft 3 months later

Debt free date in 12 months,

Im feeling so much better about finances now, and me and gf looking at buying a house in two years, thanks for all the help guys, will try and keep this updated bit more frequently now.

Oh yes, with regards to deposit on house have been match betting and casino bagging.

Profit to date

Matched = 800
Casino = 300

£1100 for playing games

MSE has changed my life

FatJock

dj0586 wrote:

Oh yes, with regards to deposit on house have been match betting and casino bagging.

Hi, well done on keeping focused. Can you tell me what match betting and casino bagging are and is it possible to makie money from it? I don't gamble (apart from lottery).

Cheers,
FatJock

lynzpower

Cor blimey thats brilliant!! :T

Well done!!