Hello! Newbie!

Verbatim

Well said.
How about having a treat planned at the end of the challenge. And regularly too to keep you going. When we had debts I saved £2 coins for an occasional cheap meal out which is our favourite thing but it could be anything you like.

determinedtodothis

Thanks sweetpeanut/dippydan the support really helps a lot..

Thanks Verbatim, i just feel guilty if I spend money I could be paying off a debt with - its a real catch 22 when you get in the MSE frame of mind isn't it! i've got a sealed pot and i'm putting £2 coins in at the moment too trying to put some money away for a holiday but because money has been soo tight I think I only have £6 in there!

determinedtodothis

Right:

• Another NSD Balance 8
• Done my Scratchcards Balance £21.45 and £3.80 in bonus :mad:
• Need to write another dooyoo review Balance 22500
• Right a list of store cupboard ingredients
• Dig out stuff for ebay while its free listing - did my first one today - v. exciting!
• Take electricity reading
• Start reading up on the preparing for winter boards
• Store cupboard dinner
• put pad by the phone and start logging the calls i'm making - i'm sure i am making more evening calls that they reckon!

determinedtodothis

Hello!

Well today was another NSD :j bringing me up to 9 so i'm still well on trck for my target this month...

• Just done my shopping with tesco, decided as the budget is sooo tight I will shop on line (i had a voucher for delivery) to avoid buying things that are not necessary this week! it came to £9.51 inc delivery so 49p under budget
• I've paid another £51 off my debt balance
• 1 phone call made after 6pm
• £3.19 credit on the mobile, still have free text
• Put all my change in a jar, not a sealed pot in case i need it so i have £4 emergency fund .
• Done me scratchcards £22.65 and £4.75 in the bonus :mad:
• Meant to check meter and forgot

justruth

It's all looking good, well done!

determinedtodothis

OK - well i've wangled a free dinner by popping over to see my friend tonight thats just got back from holiday and another packed lunch so another NSD for me




Balances:

• Phone Bill Balance (inc line rental) £20.32 :mad:
• £3.19 credit on the mobile, still have free text
• 10 NSD
• Done me scratchcards £23.25 and £5.00 in the bonus :mad:
• Dooyoo 22,215
• Survey's £2.60

To Do:

• Read electricity Metre
• STOP USING THE PHONE for calling mobiles and before 6pm :mad:
• Find out Vet fees and add them to annual budget
• Sort myself out with Ebay listings and do them :rolleyes:
• Complete Dooyoo Review
• [STRIKE]Sign up to survery sites[/STRIKE]

determinedtodothis

another NSD for me today, packed lunch and store cupboard dinner




Balances:

• Phone Bill Balance (inc line rental) still £20.32
• £3.19 credit on the mobile, still have free text
• 11 NSD
• Done me scratchcards £23.35 and £5.10in the bonus :mad:
• Dooyoo 22,215
• Survey's £2.60
• Capital One vs 100 Challenge £9.00

To Do:

• Read electricity Metre
• Find out Vet fees and add them to annual budget
• Sort myself out with Ebay listings and do them :rolleyes:
• Complete Dooyoo Review

justruth

Check you out, doing well again!

determinedtodothis

Thanks justruth I know its a bit boring just posting balances everyday but it helps me staff focused

justruth

It's clearly working, what with you doing so well!