Marching On

salduck

ok with respect you are doing fab!!! lol
The thing we have alls tarted doing if we "have" to go out on a nigh out! everyone (about 5/6 folk) come round mine about 7 on a weekend- they all bring drink so i rarely have to buy any we have a drink / get drunk! at mine and head into town at about 11pm. Got to a club have one or two drinks and walk home meaning it rarely costs more than a tenner!!
Good luck
x

roxiepie_2

Thanks salduck! We do tend to arrange our nights out like that as it can save so much money. Only trouble is I tend to go spend crazy after a few drinks, so sometimes it's better to avoid them all together!

Good news, have nearly very almost paid off my credit card (£10.85 left). Loving the 'Buy it Now' option on eBay as three people have already purchased and paid so in the passed few days have made £13.44 in profit. Not masses but it went straight on my card, as did some pounds that were hanging around in my account but weren't part of any budget.

So just over a tenner to go! Am determined to make this from eBay too, rather than using money from my weekly budget. I have 4 remaining items on eBay, and plan to add some more on tonight.

The finish line is so close, I'm excited! :j

roxiepie_2

Done, Done and Done!

Just paid off the remaining £10.85 on my credit card. I gave up with waiting for ebay to earn me enough money and paid it out of my own budget instead. Figured it would be better to be slightly broke now but have it paid off completely. Besides I can continue to make money off eBay during the month and effectively pay myself back.

Feels good but slightly unreal at the moment! Can't get my head around no longer having to throw loads of money at it each month including wasting money on the interest.

Going to give myself a break for the rest of the month and just concerntrate on living. Besides I have little to no money left to continue debt clearing! Will start again next month, by which time I should have my savings account set up to aid in attacking my overdraft.

What a good day!

bevan840

:j:T Congrats on paying off the credit card I'd do the same, enjoy the rest of the month

My ebay session went ok although no-one seems to want to buy my buy it now items Got quite a few No 7 items and they're down at £2-£3 apart from the full size ones I have which are priced at £5, still £3 cheaper than boots! Just glad that some of my junk is finally moving

:T:j:T:j:T:j Some more smilies for the success on credit card

roxiepie_2

well done bevan! eBay's great because you end up with lovely clean rooms as you make money you have reminded me I need to do some more!

been a little off the boil with money saving since I cleared my credit card, hence the lack of posting. As a reward to myself I stopped tracking my money for the last week or so. Not gone crazy (don't have the money to!), but it was more to have a mental break from it all. Get paid in a week and a bit so will get back into tracking with my new pay.

Since I've finished the 1 debt Vs 100 days challenge and the birthday challenge I'm going to have to find something else to motivate me. Suprised myself with how much the challenges helped. It obviously brings out my competitve side! Going to pop over to the challenges list to see if I can find something...

roxiepie_2

hmm. really should get back onto this money saving business. have found that not having a big scary credit card hanging over me has made me ridiculously relaxed!

nevertheless I still have enough to pay off! will start by making a list of things I need to do as this seems the only way to get my little(ish) bum moving.

• [STRIKE]pay cheque for charity walk[/STRIKE]
• [STRIKE]pay for evening course[/STRIKE]
• [STRIKE]request name to be added to utility bill[/STRIKE]
• [STRIKE]send said bill to building society to open account[/STRIKE]
• place min of £100 into account
• [STRIKE]study![/STRIKE]
• stop spending money on frivious things, such as today's costa hot chocolate complete with marshmallows and whiped cream

LIST: in tatters

ahem. weel, that should do for starters....

roxiepie_2

Not only have I not managed to set up a savings account, I've not saved any money to put into it either!

Overcome with the relief of paying off my credit card I have been spending like I have no debt at all. Keep telling myself I'm 'allowed' as I've worked so hard. This is fine until I find I've somehow spent the £100 that was meant for overdraft debt this month. grrr. so annoyed with myself!

Just got sick of walking around in second-hand/faded/slightly deo-stained (lovely!) clothes so i went out and blew a load of cash on some cheap basics. This is fine, but I've got the bug now and don't seem to be able to motivate myself to get back into recording all spending, using vouchers to get xxp off. It all seems so dull!

Need to give myself a proper kick up the bum as I am getting to the point where I'm considering using my credit card again. Very scary, but very tempting!

Knitty78

Cut your card up. Buying basics is fine, especially if you've been wearing older worn out stuff for a while, but whilst you have paid off the credit card the Overdraft is till a debt. I too am struggling at the moment so I know how you feel, but the sooner you pay off the OD the sooner you can start doing what you want with your money rather than owing to any anyone else. Good luck with it all.

roxiepie_2

oh dear, has it been almost a month?! Really have let my self slide, but with christmas fast approaching I need to get my @rse in gear. Today I have mostly:

Paid for next year's yoga course (£25)
Bought friend's xmas present (£25)
Paid sponsorship money (£211)

Off now to see if I can pick up any other xmas pressies...wish me luck!

roxiepie_2

Wahay, opened new savings account and now have a whole shiny pound in there!

Oh well, its a start. Get paid again next Friday so hoping to up it to a nice round £150. Just need to establish how much money it will take to cover remaining christmas presents and associated festivities.

Have learn from previous years that it is always much higher than you antisipate!