My 2009 Challenges & Debt Free Diary

dfwms

Hi I have been reading this site for a while, flitting in and out and finally registered yesterday. So this is my first action! I am interested in the live on 4k for a year but cannot see how this is done. I note in your thread that you detail all your spending, do you set yourself a target for each and everything at the start of the year? And if you don't mind me asking you all these questions, where you do get the challenges from?

Most importantly is your bathroom ceiling painted yet? thanks

Penny2myName

Cleared a small amount I had built back up on la-redoute (realised i had £15.00 still clearing when i paid remainder off), so ordered daughter a coat which took me just over the £15 i would have been in credit. Anyhow called and paid over the phone rather than by paying online and have changed my account from a personal credit account to a cash account. They have closed the credit account down now, and will call me back with a new account number for cash account.

Penny2myName

dfwms wrote: »

Hi I have been reading this site for a while, flitting in and out and finally registered yesterday. So this is my first action! I am interested in the live on 4k for a year but cannot see how this is done. I note in your thread that you detail all your spending, do you set yourself a target for each and everything at the start of the year? And if you don't mind me asking you all these questions, where you do get the challenges from?

Most importantly is your bathroom ceiling painted yet? thanks

Yes the bathroom ceiling is now painted:rotfl:.

The 4k a year challenge is on the main DFW forum here is the link to the start of it, you only really need to read the first few posts, the first post has a link to the second new shiny thread of the challenge. http://forums.moneysavingexpert.com/showpost.html?p=16817609&postcount=1
Each person works their budget out differently. As well as using a spending dairy online, I keep a paper ledger where I have my yearly targets for £4k worked out in. My £4k doesn't cover EVERY expense, my debts, college costs and kids school costs are separate, as well as holiday costs and the animals vet costs.

Penny2myName

Avon orders are looking really low at the moment, so doubt I will be making much commission if any on them at present.:(

Penny2myName

Well got all my orders in and 2 new customers, with luck should have made around £20 commission.

lauradora

hello chuck looks like things are rollercoasting for you at the minute. looking forward to seeing those balances go down.

I've been away i'll for ages

hope all is ok xxxx

Penny2myName

Total spend for 01 Apr 2009 - 30 Apr 2009: £3085.10


ALCOHOL
2009-04-24 Lumbrusco (2) £4.06
2009-04-25 Rythem n Booze £15.96
TOTAL FOR ALCOHOL £20.02
ANIMALS
2009-04-11 Cat Crunchie (2) £1.52
2009-04-17 Dry Cat food Iams (4) £12.00
TOTAL FOR ANIMALS £13.52
BILLS
2009-04-01 T.V. Licence £9.95
2009-04-06 Legal and General Insurance £15.98
2009-04-06 SSE Energy Gas £100.00
2009-04-07 Scottish Power £37.00
2009-04-07 Yorkshire Water £31.26
2009-04-24 Virgin Media BroadBand £15.52
2009-04-29 BT Phone £35.68
TOTAL FOR BILLS £245.39
CLEANING
2009-04-17 Airwick Refills (2) £6.00
2009-04-17 Citrus wipes £0.95
2009-04-17 Microfibre clothes £1.94
2009-04-17 Non Scratch pads £0.59
2009-04-17 Washing up Liquid (2) £2.00
TOTAL FOR CLEANING £11.48
DEBT
2009-04-16 La Redoute £18.59
TOTAL FOR DEBT £18.59
DEBTS
2009-04-03 Littlewoods £1500.00
2009-04-03 Vanquis £1028.90
2009-04-27 DFS Sofa £83.50
TOTAL FOR DEBTS £2612.40
FOOD
2009-04-11 Leg Lamb £7.02
2009-04-11 Roast Potatoes £1.00
2009-04-11 Somerfield week pack up £9.98
2009-04-11 Special K £2.00
2009-04-13 Margerine £0.74
2009-04-13 Milk £1.22
2009-04-14 Beetroot £0.87
2009-04-14 Carrots £0.60
2009-04-14 cheese £2.05
2009-04-14 Cucumber £0.80
2009-04-14 Herb Salad £0.37
2009-04-14 Hot cross buns £0.25
2009-04-14 Mixed Peppers £1.65
2009-04-14 Onion £0.35
2009-04-14 Potatoes £1.20
2009-04-14 Satsumas £0.75
2009-04-14 Tomatoes £0.25
2009-04-15 Potatoes £4.00
2009-04-17 Beans (8) £2.76
2009-04-17 Beef Mince £6.00
2009-04-17 Bread Flour (2) £1.36
2009-04-17 Cauliflower Florets £0.90
2009-04-17 Coffee (4) £12.00
2009-04-17 Crinkle chips £1.23
2009-04-17 Curly Fries £1.34
2009-04-17 Dried Yeast (2) £1.34
2009-04-17 Fish (2) £3.98
2009-04-17 Garlic Bagettes (2) £2.20
2009-04-17 Garlic Dough Balls £1.99
2009-04-17 Lard (4) £1.12
2009-04-17 Mccain Roast potatoes £1.00
2009-04-17 Mini Corn on Cob £0.95
2009-04-17 Noodles (17) £1.70
2009-04-17 Petit Pois £1.50
2009-04-17 Stuffed Crust Pizza £6.36
2009-04-17 Sweetcorn (4) £1.16
2009-04-17 Turkey Mince £1.78
2009-04-19 Bread £0.72
2009-04-19 Sugar £0.93
2009-04-25 bacon pasta £0.31
2009-04-25 Cornflakes (2) £2.50
2009-04-25 Milk £1.54
2009-04-26 Milk £1.54
2009-04-26 Pizza (2) £2.80
2009-04-26 Stir fry £0.32
2009-04-28 Crossants £0.50
2009-04-28 sliced chicken £0.39
2009-04-28 Sugar £0.93
2009-04-29 Bread(2) £0.75
2009-04-29 Milk £0.25
TOTAL FOR FOOD £99.25
GARDEN
2009-04-15 Woodland Balk £4.98
TOTAL FOR GARDEN £4.98
GIFTS
2009-04-16 De Vinci board Game £0.99
TOTAL FOR GIFTS £0.99
GLASSES
2009-04-01 Parkhurst £15.20
TOTAL FOR GLASSES £15.20
JUNK FOOD
2009-04-15 Kinder Bueno 3pk £0.99
2009-04-29 Wagon Wheels (2) £1.50
TOTAL FOR JUNK FOOD £2.49
ME CLOTHING
2009-04-16 Brown Heeled Boots £6.00
TOTAL FOR ME CLOTHING £6.00
SERENA CLOTHING
2009-04-16 Black Boots £6.00
TOTAL FOR SERENA CLOTHING £6.00
TOILETRIES
2009-04-11 toilet paper (18rolls) £6.00
2009-04-17 Toilet Paper (18) £6.00
TOTAL FOR TOILETRIES £12.00
VEG GARDEN
2009-04-15 Compost £16.79
TOTAL FOR VEG GARDEN £16.79
TOTAL £3085.10

Penny2myName

BILLS
Apr 2009 £245.39
TOTAL FOR BILLS £245.39
FOOD
Apr 2009 £99.25
TOTAL FOR FOOD £99.25
TOILETTRIES
Apr 2009 £12.00
TOTAL FOR TOILETTRIES £12.00
JUNK FOOD
Apr 2009 £2.49
TOTAL FOR JUNK FOOD £2.49
CLEANING
Apr 2009 £11.48
TOTAL FOR CLEANING £11.48
ALCOHOL
Apr 2009 £20.02:o:o
TOTAL FOR ALCOHOL £20.02
TOTAL £390.63

Penny2myName

Well both my gas and electric DD's have gone down for next month, Electric by £5 and gas by £28.

Penny2myName

:j:j:jyay finally had two fully paid statements so was finally able to make the call to close my Vanquis credit card account. :T:T:T:T