Spending Diary Of A Poor Student :(

Ally16

Thought i would start a spending diary....lets me see just where all my precious pennies r going.

Feel free to comment (and criticise ha ha) on my spending, offer alternatives, SAVE ME PENNIES!!! But hey, imagine starting a spending diary on a Friday nite, oh man Im such a poor student LOL! Enjoy!

Friday 21st November

£33.00 Ticket for a concert in May, owed money to a friend
£2.85 Payment a day MBNA CC
£1.45 Tango Cherry (for me and the boyf, friday nite in!)
£0.89 Chocolate (for me and the boyf, friday nite in!! ha ha)
£1.59 Crisps (another wee treat for me and the boyf :S)
£3.00 Shloer Juice (to take to a 21st with me, im the designated driver to save cash)
£2.37 iTunes
TOTAL: £43.56

Couple of little credits too....

£1.50 From the bf, just bcoz Even though it was my Friday to pay! ha ha
Managed to get 7225 Dooyoo points as well :D:D

How sad are my friday nite treats:( ha ha!

Going to a 21st nite out 2moro nite but decided to drive to save some money, so hopefully will only have to pay entry to the nightclub and il stick to some good old FREEEEEEE H2O while im dancing about!! Il maybe even get some petrol money from some of the girls hmmmmmm there is a thought!

Anyway think Il go rite another review on dooyoo before bedtime. Then working a wee overtime shift 2moro, 5 and a half hours of extra pay for the new year yipee yipee yipee!!!!!!

tealady

Hi Have you put your debts into the snowballer to see which you should clear 1st?
Have you thought about getting a student loan to clear the cards (the rates may be lower)
As designated driver you should ask for petrol money, after all you are cheaper than a taxi

Ally16

So an update of my weekend and my spending FRENZY!! grrrr thats what it feels like anyway, im such a BAD spender

On Saturday morning I got a txt from my network saying my bill had not been paid and therefore I was being cut off....i literally cannot live without my phone. Not good. Neway in the short looked like I had cancelled my direct debit by accident and i thought the bill had came out but it hadnt so a nice little bill for me to pay My spening on Sat and Sun went like this.....

Saturday 22nd November

£68.21 My MASSIVE phonebill for the month must cut this down
£0.68 Roll and packet of crisps for lunch
£3.00 Scratchcards...naughty naughty
£0.83 Bottle of juice
£8.00 Entry to the nightclub - 21st nite out, wasnt drinking so £8 is pretty reasonable for a nite out!! Stuck to water drinking alllll nite

TOTAL: £80.72

Sunday 23rd November

£1.12 Bottle of juice
£1.00 Scratchcard...more naughtyness :S
£1.15 Payment a day to MBNA

TOTAL: £3.27

Oooooft so my downfalls the odd little scratchcard and bottles of juice. Not good. So as 2moro is Monday im gonna set my self 2 little challenges....no scratchcards for the week (waste of money neway!) and no bottles of juice - i'll just take a bottle filled up at home clever me

Lets see how all that goes........this no spending aint exciting just have to keep reminding myself I will b btr off in the long run once I get rid of those DEBT CARDS:mad: :mad: :mad: Managed to get 21 hours overtime this week, Il b knackered but hey should b worth it, starts 2moro 6:30 - 3 aaaggghhh, uni tues wed & thurs. Then working Thurs, Fri, Sat & Sun nite poooo how boring!

Anyway im off to dooyoo for a wee browse! Looking forward to a new week x x x

littlepinkstars44

hiya! i'm doing a spending diary at the mo too, and am also a poor student! lol
Well just thought i'd pop in n say hi!
xxx

inkedelephant

do you find a spending diary helps you?

PinkTwirl

Hey,

don't work too much, I know debt is awful, but don't let your studies suffer. I know it's different from when I was at uni, but 21 hours a week is a lot!:grouphug:

It'll get better, just don't take away from your studies, they really are the best days.

Ally16

inkedelephant wrote: »

do you find a spending diary helps you?

Just started but so far yeah....lets me see how much rubbish i actually buy!!!

Ally16

Monday 24th November

Yipeeeee no spend day :D:D:D:D:D!!!!!!!

Tuesday 25th November
£4.15 Train Fare to uni
£0.50 Mars Bar
£2.10 Baked potato and cheese and another sweetie

TOTAL: £6.75

As you can see - no scratchcards and no bottles of juice for two days so thats a bit of a saving :D:D

Also managed to get 10,000 points on dooyoo but just wondering it says for 50,000 you get cash, how much cash exactly!?!?! please help :D:D x x

Ally16

Wednesday 26th November
£4.15 Train Fares
£1.60 Baked Potato with cheese
£0.80 Cuppa tea
£0.64 Bottle of water
£0.99 Sweets for me and the bf
£0.74 Carton fo ribena (complete rip off)
£2.00 Scratchcard aaaaagggghhhh

TOTAL: £10.92

How awful did i do 2day??? a tenner on rubbish! soooooo bad!!! MUST DO BETTER! grrrrr

littlepinkstars44

Ally16 wrote: »

Wednesday 26th November
£4.15 Train Fares
£1.60 Baked Potato with cheese
£0.80 Cuppa tea
£0.64 Bottle of water
£0.99 Sweets for me and the bf
£0.74 Carton fo ribena (complete rip off)
£2.00 Scratchcard aaaaagggghhhh

TOTAL: £10.92

How awful did i do 2day??? a tenner on rubbish! soooooo bad!!! MUST DO BETTER! grrrrr

I don't think you done that bad, maybe skip on the scratchcards and bring water/juice/sweets with you from home?
Might help reduce it a bit, thats what i'm trying to do anyway lol!

Ally16

Thursday 28th November

£2.10 Baked Potato & Sweets
£3.50 Train Fare
£0.12 Kwenchy Cup
£1.00 Scratchcard grrrrrr again!

TOTAL £6.72

Ok so thats it NO MORE SCRATCHCARDS!! Its when people at work buy them im just like "och il just get one" grrrrrr need to stop that! Think im only gonna take a pound or so to work from now on, just incase i really need a drink or i dunno some other £2 emergency. I drive to work and drive bk so its not like i need bus fare, and il just take my lunch and stuff in with me. Thats easy when im starting at 3pm but when im starting at 6:30am its a bit of a nightmare. So today will hopefully b a no spend day HOPEFULLY. Well actually it cant b bcoz I am going out after work....il just have to be a water drinker.