Silaqui's Make £££'s, Lose lb's Diary 2009

Silaqui

£28.91 paid today to bring my PAD's to £460 :T loving it! I had an NSD today but I think I might stop counting those up on my siggy becase I keep forgetting to add them on, I've deffo had more than 7 this month.
So I've paid 247.72 off the Barclaycard now - hardly any left now! I'm gonna dig out the statement when I get a chance to find out exactly how many pence to pay off.

So busy at work at the min - got in for 7am today and got home about 5, need to do some more later aswell. Having a bit of a break first tho. Just so shattered. I used to do much longer shifts that that when I was a waitress, but somehow it wasn't so tiring! I think it's more mentally tiring than anything else, having to keep track of all the kids and what they are all doing. Still deadline day next week so it should all get back to normal after that. At least it stops me from spending lol!

Right going to do my daily clicks now, send the bf to do the washing up while I get some work done before Hestons feast of the weeks!

xx

HallamLad

£460!! That is fantastic. If I paid that amount in a month I'd have cleared a debt, that is really good going!

Silaqui

Well I've just done another hours or so's work and now I'm sitting down watching Heston's tudor feast... I'm usually quite a foodie but alot of the stuff he's done on these shows looks horrible! Meat fruit made of testicles, hmmm....
Ta Hallam I wish I'd have paid it all of the Barclaycard now but I started off paying some towards the A&L so some of it has gone on there instead. I'm only 43 quid away from paying off the Barclaycard now though and I'm sure I will manage that! (291.45-247.72=43.73 to go) I'm gonna wait for a few days untill the last few DD's have come out, I paid for a couple of things at the weekend on that card too so gotta wait for it to update those. Then BAM bye bye barclaycard!

xx

Silaqui

I paid it I paid it I paid it yayayayayayayayay

mooomin

Well done on paying off Barclaycard - they are on my list too

:T:T:j:j:T:T:j:j

Silaqui

Ooh really F-F well good luck with battering them into submission!

I am well chuffed that I've got rid of that card. It'll be a while till any more payoffs though because it's the two biggies now. I'm gonna concentrate on the A&L card because the overdraft is 0% - as long as I get it down to £500 or less by next september. It's a graduate overdraft thing that's why. I'll do a new snowball and plan of action next week at some point for April, won't have quite so much spare money for pads because of council tax coming back again but I'm sure I will manage. I'll have my tutoring money too which is going straight off the card.

I am on a mission this week to have NSD's all week. I've been and got the shopping and meals are all planned and ready for, I'm not going out anywhere till next friday, and I'm not in urgent need of anything, so there is no excuse for me to spend money on anything at all.
I am going out on friday night but not sure what I'm doing yet, and I have an eye test booked for saturday which is half price so about £15 quid. Then after that I'll be back at work and then PAYDAY a week on Tuesday yay :T

xx

Silaqui

Well, I managed an NSD today which is good, made a little pad to the Take That fund. Next week I have got to go into town for my eye test so I will take my big box of change and take it to HSBC on the way. It does transfer it into the bank account but I will just move it into my old savings account (currently empty lol) untill the concert. I'm going to use it for my spending money, concert isn't till June so I still have a fair while to save up. I reckon I've got about £60 in there at the minute.

I did some spreadsheeting yesterday afternoon (when I should have been working on my assignment :rolleyes: ). My spreadsheet has a sheet for every month of the year, so I put my salary in and all the incoming and outgoings that I am expecting over the year, like car tax and things. I worked out that if everything was to go to plan, with no unexpected costs and things, I can actually pay off both my overdraft and A&L card by November - and thats without factoring in any of the money I'll earn from tutoring and exam marking :T I just hope it actually works out like that! I could be debt free sooner than I planned! I just need to keep being strict with myself.

Only 8 days till payday
xx

Silaqui

Just been doing some research into possibly changing my broadband. I currently have Tiscali Max which is 20quid a month for unlimited free phone calls, line rental, and unlimited broadband. Nobody can actually beat that... well, Sky could as we already have their TV but they don't do BB in our area.
The next best is Be There Broadband at 17.50 a month but I would have to change back to a BT line which would cost an extra 11.25 a month, making it a total of 28.75 a month for the bb and phone. Not bad I suppose, it is a faster connection. They are on cashback sites too.
I'll have to have a think. An extra £8 a month for a slightly faster service. hmm
x

Silaqui

Hooray - it is finally payday :T

So that means that it's also time to do my monthly summary of how I've done. I have to say I'm pretty chuffed with myself too... My PAD's have made a massive difference this month.

Review of the siggy:

Snowball Date: June 2010 ……. DFW Date: December 2009
CC1: £3000 £2955, CC2: £330 £0!, Overdraft: £961 £855
March PAD Total: £530.58...! Daily Clicks&Cashback (started Jan 09): Total:199.20!

THE DEBT FREE DATE:-
I haven't done a new snowball yet BUT according to my spreadsheet I have forecast that my debt free date should now be NOVEMBER 2009!!! :beer: And thats without counting any of my tutoring or exam marking money, so maybe (fingers crossed) it will be even earlier than that! I know something will end up cropping up though, so I'm gonna keep it in my sig as December - this was the original target so I'll stick to it for now.

THE A&L CARD:-
The A&L card is now standing at a reasonable £2955 - I paid off loads from this but the interest brough it right back up again lol - this card is my next plan of attack and I'm going to aim to pay of at least £300 in April through PAD's.

THE BARCLAYCARD:-
Oh look I paid this one off... never even realised :rotfl: :cool:

THE OVERDRAFT:-
As this is a funny graduate deal thing, I need to have this at £500 or less by September. I'm going to up my payment to this from May to £100 a month which should have it completely paid off by November.

PAD'S:-
My total PAD's to date is £655.23 since the beginning of March when I joined the thread. Pretty chuffed with that if I do say so myself!

DAILY CLICKS:-
Surprised I've perservered with these actually but it is starting to mount up and if I don't keep going till they pay out it will have been such a waste of time! Gonna add up the totals from the sites either tomorrow or Thursday so I'll update that bit then.

SO all in all not a bad month Just need to keep it going now!

xx

mooomin

Well done you!