MW's plan

YummyMummy20

Nooo, he was at home, asleep! Although if i have to nip into work in the day for anything he could get away with trying to sneak anything out anyways. Hes now started asking my boss where the sweets are when he goes up there cus he knows theres going to be some somewhere and he gets way more than I do!! :rolleyes:

I think of it a 'liberating' the till roll and not stealing and its very money saving....

MoneyWaster2007

Just took a t shirt back to Next after wearing it to the pub and at work and got a refund, woo hoo!! Only £16 but it all helps, now my overdraft is £529, slowly coming down...

MoneyWaster2007

just coppered up and i've got £5.66!! woo hoo. that means today i've paid off my overdraft a grand total of £11.66. Now its...£523.44, not bad for a Sunday!

pixiechick99

MoneyWaster2007 wrote: »

Just took a t shirt back to Next after wearing it to the pub and at work and got a refund, woo hoo!! Only £16 but it all helps, now my overdraft is £529, slowly coming down...

Will some other poor devil buy that t-shirt you've worn now though?!

MoneyWaster2007

yea i see your point, it was a bit cheeky of me, but more fool Next for accepting it back. I didn't like the t-shirt, so its better than keeping it and not wearing it. But yea i do feel a bit sorry for whoever buys it, although it didnt smell and looked pretty good when i returned it:D

Roll on friday pay day, then I will be even further out of my overdraft! Its a good feeling to know you are going somewhere with a clear cut plan. God I've changed so much in the last couple of years in my attitude to money. Its so addictive is this debt free challenge. I'm so tight these days its unbelievable. The last time i spent a penny was Friday 13.03.09!!!

MoneyWaster2007

Today is pay day, yes!!! So, this takes my overdraft down to £326.24....

Had to buy my mum a birthday present for tomorrow, got her a bunch of flowers for £5 and a card for £1.80.

I've spent ages working out a detailed budget and surplus income per week. By my calculations, I will have my overdraft paid off by 01.05.09, which is 5 weeks away. This means spending money solely on essentials. It also means no nights out on the town....bummer.

I'm on such a crap wage, but I can't complain given my circumstances- I'm lucky to have a job at all!! Oh how empty and boring the weekends are going to be!!:eek: sigh- it will all be worth it though once I look at my bank balance and it is in the black Just gotta remain focused.

When the overdraft is paid off, I will be able to start overpaying on the loan every friday, as I finish work at 2:30 on fridays, so will go to the bank in the afternoon.:cool:

Feels good to have a plan, but its a drag putting it into action, having to sacrifice my nights out...grrr. However I know some people really struggle and wouldn't know what a night out was if it looked them in the face. So I have to be grateful, things could be worse...

Hope the job lasts! It's only temp work, but I seem to be doing ok, and there is a lad there from the same agency as me and he's been there 13 months!! Lets hope they keep me as long as they have him!! Touch wood (head).

It's my cousins 21st birthday tomorrow and he's having a barbeque (free booze, mwa haha). So that will get me outta the house tomorrow and break the weekend up a bit. Got to keep myself busy over the next few weekends... will end up going insane if I sit in me room all weekend.

Ah well, thanks for having a read. As the russians say, mos cow, me teas ready.

Oh yea i forgot to say someone hit me in the head with a worthers today, I thought, 'how original'

MoneyWaster2007

hi, its a while since i gave you an update!! Today is pay day and ive been paid a grand total of £149. They took £45 off my wage because i was overpaid last week. as you can see im not on a great wage, but cant complain- at least im in work!!!

so...after i have deducted £81.05 from my wage (weekly amount i set aside for bills at the end of the month) im left with £68. i want to use most if not all of this to throw at my overdraft. So i've stayed in tonight because im working overtime tomorrow, meaning extra cash next friday!! yipee!! im also going to stay in tomorow night. might have a few drinks with my mum. its a bit boring though. but hey, thats my choice, my debts take priority over any desire to !!!! my wages down a pub toilet

just could do with a bag of motivation right now, is anyone else having a quiet weekend in this weekend? or is it just me...:huh:

epsilondraconis

Hi MoneyWaster2007 - suffice to say that you're not alone in having a quiet weekend.

It's good to read your thread and see that you are staying motivated and reducing your debts.

I agree staying in with your mum and having a few drinks isn't the most exciting thing in the world; however in years to come you will be able to treasure those memories when you had a laugh and a joke with her.

Don't worry about your wage at the moment - it will grow over time. As you say, its good to be in work at the moment.

epsilondraconis

MoneyWaster2007 - as you are staying in a lot more and focused on reducing your debt, I thought you may be intersted in the following:

http://forums.moneysavingexpert.com/showthread.html?t=1487085&highlight=littlewoods+bingo

Basically you sign up to a St minver bingo site, deposit £10 and you are able to play a free scratch card - there is a free one everyday. You get between 10p and £100 from the scratch cards. Mainly you win 10p or 20p; however I also win 50p, £1 and £5 fairly regularly. Once you have played the scratch card and your account is in credit(over your £10 deposit), you withdrawl your £10. From then on, you can just play the free daily scratch card and build up your money. The minimum amount you can remove from your account is £10 and so once you have accumulated at least £10.10, you can remove £10 (you need the extra 10p at least so your account stays in credit, otherwise you will have to deposit money again).

In addition to the free daily scratch card you get extra money (used to be £1, now 50p) typically every week or so for logging in.

Moreover, sometimes you get two free daily scratch cards.

I currently have 4 accounts open (2 for me and 2 for my wife), although in their T&Cs it states only 1 St Minver account should be open per person. I therefore get at least 4 scratch cards per day. I have read on MSE that people opening lots of St Minver accounts have had their accounts closed down so don't get greedy.

The most important thing is that if you think you will ever get drawn into the gambling and begin using your own money then please please please do not even think about starting this. In the last 14 months I've made £450 from this without risking my own money.

I occasionally play some of their bingo and other scratch cards using the money I have won so it doesn't look like I'm doing only the free daily scratch cards.

Again, please don't do this if you think you will get drawn into the gambling. I've read far too many posts on MSE where people get into serious debt because of their gambling problems i.e. tens of thousands of pounds.

Good luck and keep posting.

EssexHebridean

MoneyWaster2007 wrote: »

yea i see your point, it was a bit cheeky of me, but more fool Next for accepting it back. I didn't like the t-shirt, so its better than keeping it and not wearing it.

Sorry to start off by being blunt, but I'm going to. No, it wasn't "a bit cheeky of you" - it was tantamount to theft..... Managers at retail stores know that people are ripping them off like this all the time - but they don't have a choice as otherwise they have unscrupulous customers like yourself making a scene in their shops and upsetting their staff. Let's be realistic here, had the member of staff who served you refused your money back as you'd clearly worn the garment, would you have meekly said "Yeah, well I have actually, sorry, I'll leave now!" - I don't think so.....you'd have said that she was accusing you of lying, that their behaviour was wrong, and generally stood your ground. You didn't like the t-shirt? Tough luck - you should have taken a bit more time about choosing it in the first place then, or gone back another day and got the advice of a friend before spending money on it. Once it was worn, then if you didn't like it, you could have ebayed it, given it to a friend or done the charity shop thing, but ripping off the store you bought it from was not the better thing to do.
*OK - friendly lecture over*

Sounds like you are aware that you are fortunate to have found a job considering your history - well done on that. It's good that you are also cutting back on a social life in order to sort your debts out to, but beware of getting to the point where you just snap and end up going on a night when you spend more than you otherwise would as a knee jerk reaction to the boredom you're experiencing now. How about getting together with some friends and agreeing to do something nice and cheap - perhaps a picnic or something where you can all make a contribution to the food - take someone's CD player or iPod and speakers and some bottles or cans and make an afternoon and evening of it.

Well done on focusing on the debt you have and tackling it now!