Loved life a wee bit too much!

BEAT_THE_DEBT

Another day in debtbusting boot camp! Have to be told off today spent £1.50 on salad from canteen!:rolleyes: Not very MSE and no excuse just saw my buddie next to me eating one and fancied it!
Good value though had egg and coleslaw and cottage cheese prob cheaper than if i bought well no not really no more kidding myself!! :rolleyes: I am going to buy salad stuff to take in wed eggs an all poo wee!!:rotfl:
Had to tell on of my Best friends that i cant go and see her daughters play even though it is only £6 per ticket think she may be a bit miffed but new me is no no no! sorry but no!!!:o

BEAT_THE_DEBT

Another day another canteen salad :rolleyes: but off tom so am going to stock on salad and boil some eggs and take them thurs!
Also going to pay my car ins all in one tom not giving them £50 interest then i am transferring £26 pm to a sep account ready for next years!!:Ax
Getting some pressises tom for christmas also!:A:A:Ax
from budget set for christmas of course!

missymoo81

hey honeybunch just thought I'd pop in and say hi and offer you my support and encouragement.

ooh and look at you getting all organised with car insurance and christmas presents, I wish I was as organised!! I will be reading with interest and hopefully will be able to pick up some tips along the way.

keep smiling xx

BEAT_THE_DEBT

oh thankyou missymoo! just caught up on you and you def have the mse bug! Keep it up it will be worth it.x

mum2one

Congratulations on the debt busting front, your doing some brilliant changes, like you say the free things are best, the little things make the difference.

Good suggestion from the other poster, re Statement of Affairs, helps to have it in black and white, and usually a few people can come up with more suggestions how to save money, most of them are painless.

Good luck xx

BEAT_THE_DEBT

Thanks mum to one i took an soa into bank and the manager could not see any ways to cut so i did not want to post one and waste your time reading it. Thanks though.x
off to visit your diary.

mum2one

Quick tips I'd say
painless cuts-
If I'm buying anything on line always go via Quidco, - cash back!, saved dad £40 on his car insurance, and £65 cash back, (mines due Nov), Bosyshop, Play.com, Tesco, def worth a gander.

Mobile phones - if your nearly out of contract consider sim only (30 day rolling contract), keep ur own number - again can get cash back.

Internet - Say ur leaving - ask for Mac code (even if they give it you and you don't change just a call), reduced my internet from £30 a month to £6.99 inc all my calls.

Groceries - meal planning, go down a brand, eg Famous name to store premium, then down to own brand, do a couple of changes a time, thou some things I wont change.

Presents - revamp the birthday, xmas list, bargain hunt, start hunting Jan sales.

A few suggestions, hope they may help xx

BEAT_THE_DEBT

Thanks mum 2 one have wriiten thoose down in my debt help book.

BEAT_THE_DEBT

:AWell have i been a busy debtbusting bee today! Rang my car insurance went through to cancellations got price down by £35 and got a gift card for £30 for tesco store!:j then i paid in full and so will have my points in time for christmas also!!
Got lots of reduced meat today really lovely sirloin steak minced beef lamb etc, i left lots for other shoppers i hate it when people take it all!!:mad: greed!.
Bought some presents for christmas on amazon saved £3.00 on a book i saw in tesco and came £4 under budget each on neice and nephews present:j, now old me would have though four pounds saved lets spend that on sweets to mae up price not now they have a lovely present that i was lucky enough to get cheaper they will be happy and i am happy.:T.
Also bough a years car tax so its done and i have opened an e account called car to put monthly car ins and tax in for next year!:A

BEAT_THE_DEBT

Ok i surrender i have just put heating on my hands were blue! :eek: Only keeping it on for an hour or two though!:rolleyes: