Debt Free Wannabe- Newbie Diary

TotallyBroke

Well done it looks like you are so focused.

Just look for cheaper deals on your utility bills and definitely the pet insurance and you could pay things off even quicker.

tilly2484

Update:

• Dooyoo review
• Order online shopping- needs to be under £50 (was spending £70)- came in at £42- used a £3.50 voucher:j
• More gardening- not had chance
• Cook cottage pie for dinner and to use up some food -done 2- 1 for tea and one in freezer
• Put some dvds on ebay :rolleyes:
• Read some more of the Money Diet - will read some this evening

Have also made a crumble for pud so OH will be very happy!

I'm looking into our gas & electric- we are with eon and paying £128 per mth:eek: . OH says we apparently we have a big credit but what they do is reduce the monthly payments and not pay it to you in one go-something like that. It's confused me- anyone else know??

Off to put the energy saving bulbs in!!!

TotallyBroke

They can reduce your payments but it depends on what you class as a big credit balance. If it is only say £120 then that will only reduce the amount by £10 per month. When your next bill is due, send them in a correct meter reading and see exactly how much you are in credit by. Ask them to pay you back what they owe you and then reduce the amount to reflect what you have used in the last year. Alternatively price comparison and see if you can get a cheaper deal and switch. Eon will then take your last bill from the credit balance and then will have to pay you what is outstanding.

tilly2484

Thanks Totallybroke. It's around £250. I'll get OH to call them this week then. x

tilly2484

So plan for today:

• Clean muffin- didn't do it yesterday:mad:
• Package ebay items
• 1 Dooyoo review
• Sort dinner for tonight
• Washing at 30
• PAD done- £5.50:T
• Spare change in pot
• Carry on doing budget spreadsheet
• Write down what i have left to go out this month and how much money i'll be left with- or not!
• Read some more of Money Diet:money:

MOT and docs tomorrow and then it's back to work Thursday- not happy about that!:mad:

tilly2484

MOT today- fingers crossed it all goes ok!!!

List for today:

- post ebay items
- washing at 30
-do budget spreadsheet
- sort out dinner
- Do my PAD
- Change in pot

Hope everyone else is doing ok? x

tilly2484

MOT was ok, only had to pay for the test- phew!:j So £53.50 for that- boo hiss

Spent 98p today on 2 phillips energy saving bulbs- think thats allowed! :rotfl:

Posted my sold items on ebay, put some more on today. After postage so far i have made about £15 so as soon as that clears i'll pay that to the cap 1.

Cleaned muffin- he's our house rabbit. He is allowed the run of the house when we are here but has an inside hutch when we are not. I've been meaning to do it for 2 days!

Done washing at 30, PAD of £2.00 and change in pot.

Back to work tomorrow after 2 weeks off so i'm not happy about that!!! :mad:

OH's birthday prezzie came today. It's the fifa 09 on the wii. £30 in shop but i got it for £15 on ebay :j

Made my list of birthday and xmas prezzie budgets which is good and buying them as i go along and putting one's i've done on my signiture.

Right off to make the dinner

Gemmzie

You sound like a very focus and determined DFW, well done so far.

tilly2484

Thanks Gemmzie, i am focused as i want to set up my own business in a couple of years and need this debt to be gone and then get some savings behind me. I find these boards so motivational and tell everyone how great the site is--hmm wonder if i could ask Martin for commission! lol:rotfl:

Forgot to mention in my last post- didn't sell the MG- time waster so had to put back on ebay for another 12.99- so annoying as he bidded to end the auction only after 2 days so i still had 26 days left- ah well.:mad:

skysky69

Don't forget to sign up for the daily scratches on somewhere like butlins bingo. It sounds piddly but it does mount up - I have only been doing it 2 weeks and I have £3.00 in there already, another few weeks granted, but then I can withdraw a tenner which is money for absolutely nothing!