fendi-bag-lady sorts out her life (hopefully!!)

fendi-bag-lady

I've just checked the cupboards and they are bare!! My mum left me money to get stuff in so I'm going to go to the supermarket and hopefully stock up until well into next week. Also need to get some bits for my friends sons birthday next week.

Budget for shops £10 (for my things)

xx

MissShoes

Just read through the last few pages- exactly what I needed to get me back on track- small steps/daily challenges/PAD.

WIll keep reading...must get back on it!

Shoes xx

Lemon_Tree

our cupboards were bare as well, but made the mistake of shopping with OH so spent more than planned but we did have to rattle round the shops as had to get home in time for OH to go to work. I've been wondering if the reason we always seem to overspend in the shops is because i have unrealistic expectations of what i can get the shopping in at.

fendi-bag-lady

Hi everyone :hello: hope you are all well!! I'm off work for a week now so this is the perfect opportunity to get things done. I've made myself a nice list of things to do as I will be upset with myself if by the end of the week I've done nothing! So here it is:

• Ckeck online banking and update signature everyday - monday, tuesday + wednesday done
• Do free scrathcards everyday - monday, tuesday + wednesday done
• Do surveys everyday - monday, tuesday + wednesday done
• Sign up for more survey websites
• Ebay 100 items -19 down, 81 to go!!
• Sign up for mystery shopping
• Check credit report
• [STRIKE]Find out my debt free date[/STRIKE] April 2011 if I work my socks off!
• Organise a new spreadsheet to show my outgoings every month
• Quidco & fatcheese no spends
• Look for other college courses in my area I could do
• Update CV
• Look for new job (part-time and full-time as I'm not sure what's going to happen with college)
• Get a birthday present for my friends son for under £25 (a lot less than I used to spend)
• Have a look on the up your income board to see what else I could be doing
• Take clothes back to shop which I bought on impulse last week
• [STRIKE]Go to library and pick up some books for free[/STRIKE]
• make sure house is clean and tidy for mum and dad coming home on Sunday
• [STRIKE]Write shopping list so I only go to supermarket once more before Sunday[/STRIKE]
• Get through pile of ironing
• Update Paypal card details
• [STRIKE]Set up standing order to loan to make overpayments[/STRIKE] done!! (well sorta)
• [STRIKE]Transfer money to savings accounts so they are all nice round figures[/STRIKE] done!!
• [STRIKE]Empty sealed jar[/STRIKE] done - £72!!!
• Take contents to the bank and pay towards overdraft account
• Do volunteering expenses
• Read all of Martins previous weekly emails to get more hints and tips
• [STRIKE]Pay cheque into bank[/STRIKE]
• Have a look at the free/reduced cinema tickets I read about on here
• See if it possible to reduce my loan insurance in anyway
• Look into writing reviews for money
• Daily clicks - tuesday done
• Post items I have sold on Ebay

Thats all I can really think of at the moment. Really really want to get all 100 items listed on ebay before next Sunday so best get moving!!

xx

fendi-bag-lady

I haven't really been keeping a running total of my £15 a day challenge but will start doing this every day. Here's what I have done so far from what I can remember:

• 30p from free daily scratchcards
• £2.75 emptied out my purse
• 50p I found in the street
• 15p surveys

£3.70/£465

xx

fendi-bag-lady

Ok I've just tried to roughly work out my debt free date. From my calculations (which could be wrong...) I've realised I could be debt free by April 2011 which would be absolutely fantastic!!!

I've based this on putting £775 towards my debts every month. This is a huge scary figure for me but I have seen from other lovely people on here that it can be done. Things are a little hazy at the moment as I'm not entirely sure what I'll be doing after the Summer (college + part time work or full time work who knows??) but this is my rough aim! By April 2011 I will be 25 and can then start saving towards a deposit etc for my own house!

My signature and these figures are based on my loan and interest if I just paid the minimum every month so this would obviously mean that the total figure I have used for my debt free date is more than my debt will be so for the first time ever I will actually have savings!!

Think I'm getting a bit carried away now!! Hope this all makes sense for anyone who's reading

xx

TDQO

Wow you've made great progress here, keep it up!

fendi-bag-lady

Hi everyone :hello:

I got a nice suprise when I opened my mail this morning. A nice cheque for £24.02 from the Halifax! Turns out I've had a savings account with them which I didn't know about and as it's not been used for ages they've closed it and sent me a cheque for the balance!
Today I'm hoping to go out and get everything that involves been out of the house done. It's my friends sons birthday party on Thursday but other than that hopefully I won't need to leave the house. The weather here is terrible and I'm becoming such a homebody these days I just don't wana go out! Anyway here is what I have done today towards my £15 a day challenge:

• received cheque for £24.02 from Halifax
• daily scrathcard - 20p
• survey - 5p

total £27.97/£465

xx

fendi-bag-lady

Just amended my signature as it was beginning to get a bit confusing. I now have a speadsheet which shows the balance of each account I have which I will update daily (I love working think things out and doing calculations especially when I see my debt going down!!) My signature now shows exactly what I'm aiming for just now and is a constant reminder of the targets I need to meet.

Just about to go shopping, I'm going to go to Aldi/Lidl (can't remember which one it is!) never been before but hopefully I will pick up some bargains! Also need to get petrol, take clothes back and get birthday present!

Be back soon
Bye

xx

wendz86

Hi,

What a nice surprise getting that cheque today, Good luck with paying off your debt!