I am determined to do this...

kirstenc

I paid £47.50 onto the overdraft today YIPPEE :j

done another 45 mins OT and will do a further 15 mins after work, im supposed to finish 15 mins early on a friday, but the bus comes at the same time so I will stay behind for a short time. try to get everything closed before I leave

started with BP this morning, its pretty fun!:p

get paid in 2 weeks, and the mortgage is still to come off :eek:

should be about £600 left, havent taken a penny out other than the shopping money since last time we got paid. thats the first time EVER! :T

got frozen pizza and sausage rolls and NACHOS for my sleepover tonight. found a box of wine too :A

kirstenc

kirstenc wrote: »

I have put things into perspective a little bit and decided that I worry too much :rolleyes:

I have given myself a mental shake and after learning that none of my safe places are in possession of my receipt, I am just going to have to pay it, the last thing I want is a CCJ, and I think that for my own peace of mind, I dont want this hanging over me.

Therefore I am setting myself a todo list every day, with the intention of being more organised and bringing in/saving the most money ever known in the history of MSE :rotfl:

Here is my goal for tomorrow...
- add 10 items to ebay (not happened unfortunatley)
- tidy the house for my sleepover (done and dusted...literally!)
- work 1 hour overtime (every little helps lol) (done!)
- do all surveys available in inbox (done, but only ne went through...£1.00)
- check for mystery shops in area (done yesterday)
- pre cook food for sleepover and make sure all friends know to bring wine!! (thats nothing moneysaving lol they always leave some for meeee!)

tonight I will list 5 items, and make tomorrows sandwiches

anyway, I will do a list every day, and let you know how I do with each thing.

I didnt do much today to be honest, but I am hoping to get some BP points tonight before everyone gets here! :T

List for tomorrow

- List 10 items on ebay
- do mystery shop in town between 11 and 4
- do surveys in inbox
- sign up for any available mystery shops
- get some time in on BP
- do some washing (its getting ridiculous!)
- prepare shopping list for next week

That'll do, its saturday for goodness sake!!

I have worked out that on top of the £50 a week that I have budgeted (sgreed with bank) for overdraft, I need to earn/save £63 a week to get paid off by xmas. I KNOW i can do it!!:A

kirstenc

kirstenc wrote: »

List for tomorrow

- List 10 items on ebay (in the process now!)
- do mystery shop in town between 11 and 4 (got 2 for £10 offer on clothes, getting £10 reimbursed so the 2 xmas pressies for sis in laws were free!!)
- do surveys in inbox (none today!)
- sign up for any available mystery shops (none available)
- get some time in on BP (got 3700 points now!)
- do some washing (its getting ridiculous!) (Im thinking about it!!)
- prepare shopping list for next week (got the basics that have ran out but need to meal plan!)

Im very proud about the mystery shop, I have done really well!! 2 xmas pressies off the list for free (thanks again FIre Fox for that tip!) :beer:

Im hoping to only spend £30 on the shopping next week, but we need loo roll and cat food so that may not happen!! Still got some bids on the ebay stuff but its not moving particularly well

got some of DS old clothes that I will put on, timberland boots and Diesel jeans so they should do OK!!

discovered that I have £8.87 on my cash back site, so I am looking to see what I can do at the moment to get that into my account!!

The lists are helping me quite a bit cos I tend to forget things so I am hopefully going to make my moneysaving spread into my life! :rotfl:

kirstenc

quick update...have put 8 things on ebay today, so I almost hit my target!!

have signed up to the virgin bingo free scratchcard thing and got 25p first day so thats good!

DS gets back from his hol tomorrow, so I will hit the gym in the afternoon and meet him and gran off the train.

cottage pie is on the menu for next week, as is spag bog and a tuna/sweetcorn pasta salad. might also do a sausage casserole and irish stew. most will make more than one serving so that should be the following week sorted too!!

anyway, im off to make tea, have loadsa snacky stuff leftover from my sleepover so will use that to concoct something!

babyhead

Hi Kirsten.

Your OH sounds like mine. He wants to be debt free but is happy for me to "Just sort it all out". As if by magic..... He does help though and and wants the long term aims but sometimes he finds it hard.

He has Sky sports too. Not for footie but for cricket, darts and wrestling - ARGH!!!!!!!!!!! Oh well.

You sound like you have been busy with cooking! How old is your DS? Scratchies are good altho a little bit disheartening when you only get 10p for like ever. but its free money and every little does help!!!!!

Different_Corner

Kirsten
I worry, sometimes if I can't find anything to worry about I worry ! Silly isn't it ? Also I have hundreds of safe places to put 'important' things, but thery are never where I left them, think I must be catching that syndrome from my two boys..

Anyway just read your whole diary and you see the momentum building as you post. Will watch with interest

kirstenc

Hello babyhead and DC, and welcome to my humble abode!!! :beer:

DS is 7 in August. He has a little girlfriend who is the childminders daughter and he is in loooove!! He phoned her every day while he was away, takling about pokemon and ben ten!!! I got a call every couple of days asking for presents lol :rolleyes:

I know what you mean about the worrying thing, I am very much like that!!

Thanks for pooping in to see me guys, I appreciate the support!!:beer:

kirstenc

Good afternoon (and what a miserable one it is!)

I realised that i didnt make a list for today so I feel a bit of a plonker. I shall compensate by making one up now for tomorrow!

take sandwiches/rolls to work for the 2 of us
do any surveys in inbox
check for mystery shops in area
list 5 ebay items

thats all im aiming for, one of the sisters are coming up (bringing pizza so I dont have to meal plan!!) so I wont get chance to do too much! no overtime tomorrow i dont think but possible at some point during the week.

kirstenc

:eek:OMG

Just did a snowball thingy based on what I think I can overpay by each month (extra £400 over and above what I pay now) and its telling me that I should be debt free (including the mortgage) by june 2018 :j

That is incredible since i currently have 23 years left on the mortgage!! :cool:

I need to find a snowball thing that lets me save the info onto the computer, cos id really like to keep tabs on how much i pay onto the debts compared to what it says, wihout having to type up my aprs every time!! any one know how i do this (technophobe lol)

oh and 2018 (or earlier) here i come!!!:rotfl:

kirstenc

hello people,

news on the cashback front...the sis in law came up and has taken up virgin media through my cashback and I get £32.50 for it! plus she spent £1600 on Tesco Direct and i get 1.5% on that too!!! cant wait for next month!!