My Debt Diary

Verbatim

Gawd james, is that another £100 on matched betting since yesterday?????

James240

Verbatim wrote:

Gawd james, is that another £100 on matched betting since yesterday?????

well sort of £40 was from matched betting and £60 of it was from quidco cashback as well :j cant believe that on the 20th October i started out with only £120 and by the end of this week i will have nearly £500 :j :j im just soooo pleased with myself :j (obviously special thanks goes to Misskool, dan29, SS, Jessicamb, smellybum and Sirboz who have all helped me out :beer: )

Verbatim

Bl**dy well done James.:T :T :T :money:

James240

Evening peeps :hello:

(im sooooo geared up for this year in getting rid of my debt :j :j :j )

Right well to start off 2007, my total debt is £9611.96 Which im amazed about considering when i started doing this at the begining of this year my debt stood at £15061 :eek: I really cant believe i have paid off soooo much this year and am really proud of myself that i have stuck to overpaying my loan and gettting my finances under control :j :j :j

Right, i have sat down and done my workings out for the whole year (even have a massive Excel spreadsheet that i have done working out my total money for the next 12 months :rolleyes: :rotfl: )and if i stick to my budgets by the end of 2007 i will be approx £2300 short of paying off my debt

This is a shame because i really and truly want to get my debt out of the way so I have in the last few months, started to do matched betting and have so far made £610 :j so im fully optimistic that I will get some where near £2300 or (crossed fingers) reach that figure by the end of December 2007 :j :j as I have made over £600 in just a few months

Basically the next 12 months will really be a test for me cos if I keep to my budgets and keep on target I have a real chance of being debt free in December 2007 and I would be totally over the moon as the last time I was in that position was 1995 when i was 18

My rent has gone up by £30 for 2007 but this is just a small rise and im quite happy with it as ive been paying my friend £250 a month for nearly 2 years now, so im quite lucky to be paying such low rent

Right so for the month of January this is how my finances play out:

WAGES: £1125.37


OUTGOINGS:

RENT £280.00

BROADBAND £0.00

PHONE £40.00

TRAVEL CARD £30.80

SAVINGS £10.00

CREDIT CARD £112.00

LOAN £303.71

O/DRAFT £110.00

TOTAL £886.51


Money left: £1125.37 - £886.51 = £238.86


So with the money that I have left im going to overpay my loan by £150 leaving me £88.86 for the rest of the month

Im going to try and keep to £20 a week in getting food for myself and I will definatley be heading over to the Old Style Boards to see how I can stretch that money further and how to make myself nice food on low budget

In essence this year is the beginning of the end of my debt in 2007 (hopefully and crossed fingers ) and I truly hope that I can hit that goal

Many thanks for reading such a long ramble :rotfl: but I really really cant wait to get rid of my debt :j :j many thanks to all the people who have posted on my diary (SS, Ms_London, kipper, Verbatim to name a few ) who have kept me going when times have got a bit hard for me and given me the encouragment to keep on going :beer:


James

southernscouser

In essence! :eek:

What the f*** does that mean? :rotfl:

Good on you son! Been a while since the last update though!

I'm crazily looking at making 2007 my debt free year aswell (no bloody chance) but it's worth a shot!

You should be able to make up the shortfall with matched betting mate! Your old pal SS is here to help you with referrals! :cool: :rotfl:

Good luck old mucker!

jessicamb

Well done James . The drinks are on you this time next year then :beer:

You need an MB challenge - you'll be debt free by June

James240

southernscouser wrote:

In essence! :eek:

What the f*** does that mean? :rotfl:

Good on you son! Been a while since the last update though!

I'm crazily looking at making 2007 my debt free year aswell (no bloody chance) but it's worth a shot!

You should be able to make up the shortfall with matched betting mate! Your old pal SS is here to help you with referrals! :cool: :rotfl:

Good luck old mucker!

Cheers for the refferrals :rolleyes: :rotfl:

i know its been ages since the last update its cos im spending most of my time these days either on the Gambling Introductory Offer Board on MSE or im scrolling through rpoints looking at there boards for the matched betting tips and new offers :rotfl:

and at the rate ur going mate for ur matched betting figure i cant see why 2007 cant be the year for u to make another huge impact on ur figure and bring u so much closer to your Debt Free Date

:beer:

James240

jessicamb wrote:

Well done James . The drinks are on you this time next year then :beer:

You need an MB challenge - you'll be debt free by June

:rotfl: im not entirely sure i can keep up with u, SS and misskool in the challenges lol im still a novice

jessicamb

James240 wrote:

:rotfl: im not entirely sure i can keep up with u, SS and misskool in the challenges lol im still a novice

You're where I was when I started the challenge so not so newbie now;)

I want to be a newbie again - all those nice easy offers :rotfl:

James240

jessicamb wrote:

I want to be a newbie again - all those nice easy offers :rotfl:

Tell me about it its all those horrible ones that are SNR now and have huge WR requirements :rotfl: