Another Debt Free Diary :)

natsplatnat

Hi!

Well done for being so sensible and not just saying s*d it when you bought your contacts. At least you'll be able to see Dublin now you've got them!!

:beer:

ElizabethJH

looktothefuture wrote: »

How much could you possibly spend in 1 weekend? LOL ok you are a girl so don't answer that!

Ha ha! Well hopefully I should be able to get the money I spend down - but I wanted to over budget rather then struggle to eat over there!! I managed on £60 for 4 nights in Madrid last April so 3 night in Berlin on £60 should be ok too

Trouble is eating out - entry to clubs (reason we're going) all adds up... also my OH wants an import only CD for Xmas (Jazzanova) which is a Berlin band so I'm thinking I can save on import costs if I get it over there!!?

I'd forgotten when working out that £80 that I had sent 2 cheques (£24.50 and £10) which should be coming out shortly so there's a lot more I'd need to make! Think I need to stick to just no new pay day loans and also using PAD to get my Abbey Card to under the limit - I think with the payment I made at the beginning of the month that another £30 should just about do it with the interest that will be added!!

Those are things I can actually achieve and will put me in a much better situation in January - where I will aim to get back under my O/D limit!! Will still try and make as much money before then anyhow... further ahead I can get of myself the nearer my DFD will be!! :beer:

ElizabethJH

natsplatnat wrote: »

Hi!

Well done for being so sensible and not just saying s*d it when you bought your contacts. At least you'll be able to see Dublin now you've got them!!

:beer:

It's suprising how one little fall can make you feel s*d it what's the point of this they'll always be these extra costs coming in... I almost felt like denying it and pretending that it hadn't happened but better to be honest on here!

At least today is a NSD to make up a little for it :T

natsplatnat

Well done you!!! :T :T :T

ElizabethJH

I feel like I have achieved today
*NSD
*Made 8 servings of pumpkin soup from leftovers
*Am roasting seeds for a treat for OH
*Baked potato for dinner
*2 hours in gym with friend.. catch up and get healthy!

Feeling a bit knackered... but content

Speak tmw!!

smarties84

Hello, i have just read ur diary from start to ur last entry and you are doing a great job. You have really spurred me into kicking my !!!! into gear, thank you. I will be reading your diary all the time now

Shelley

ElizabethJH

smarties84 wrote: »

Hello, i have just read ur diary from start to ur last entry and you are doing a great job. You have really spurred me into kicking my !!!! into gear, thank you. I will be reading your diary all the time now

Shelley

Thanks! It's always nice to know there's someone reading! It felt like it was impossible at the start but once I'd done the SOA and worked out exactly where my money was going and how I could budget for the month then I felt a lot more in control of it all! Sorting out the priority payments was a big thing as well - have you tried the snowball calculator yet? It's addictive to see when your debt free date can be!! :beer:

Today isn't going to be a NSD - I'm meeting my friend for lunch but he has got some WSpoons vouchers that we can use so shouldn't be more then £3 at most!

Tonight I'm heading gym after work (got the bug back after last night) and then I'm home to pack for Berlin... really looking forward to it! :j I've been on holiday a lot this year so it's not a treat I deserve but it's the first time that I've actually budgeted for it and am feeling guilt free about it all!!

Found myself a little Berlin friend on Qype as well who I'm asking how to go out on the cheap :rotfl:

Good luck with it!!

smarties84

No i haven't done any of those things yet hun, still getting ideas from the forums etc.... but i will do eventually!!!

At the moment, i am not spending a penny unless i have 2!!!!! Qype - wot is that all about? I hope you have a good time in Berlin. Keep up the good work

ElizabethJH

smarties84 wrote: »

No i haven't done any of those things yet hun, still getting ideas from the forums etc.... but i will do eventually!!!

At the moment, i am not spending a penny unless i have 2!!!!! Qype - wot is that all about? I hope you have a good time in Berlin. Keep up the good work

You'll be suprised at the ways people make extra cash on here - write down all the ideas you come across as there really is so many!!

I found the best thing for me was to allow myself a budget for the week - whereas before my attitude was I won't spend anything I always cracked.. I find that Sophies Mom's Daily Thread about the little things you do is highly motivational as well if you concentrate on the little things and then see you can achieve them it gives you more confidence to tackle the bigger things!

Qype is a review site - if you did 50 reviews in November you got £50 amazon voucher! Also had other things for more reviews such as an Ipod. I think the offers have stopped at the moment but they're going to be running new ones in the new year!! I've now started actually using the site as the reviews that people write are really helpful!:T

smarties84

ElizabethJH wrote: »

You'll be suprised at the ways people make extra cash on here - write down all the ideas you come across as there really is so many!!

I found the best thing for me was to allow myself a budget for the week - whereas before my attitude was I won't spend anything I always cracked.. I find that Sophies Mom's Daily Thread about the little things you do is highly motivational as well if you concentrate on the little things and then see you can achieve them it gives you more confidence to tackle the bigger things!

Qype is a review site - if you did 50 reviews in November you got £50 amazon voucher! Also had other things for more reviews such as an Ipod. I think the offers have stopped at the moment but they're going to be running new ones in the new year!! I've now started actually using the site as the reviews that people write are really helpful!:T

LOL Sophie is my daughters name, so i'll check that out!!!!! Qype, sounds good. Is there a link somewhere on how i can become a reviewer or do i have to email someone on the site?

Shelley