My debt free journey

bramble1

Right. need to make an effort to make more money. Something i really need to read up on - there must be ways of doing it. I've signed up to quidco, but not really sure how to use it, i don't buy anything except food shopping!

Going to try and online shop tonight to help with my budgeting....wish me luck!

bramble1

keep getting logged out! will update more tonight but basically i have £750 and cant bring myself to pay off my next account - should i? shouldn't i?

bramble1

Today i have paid my dad £100 out of the £400 i owe him... monthly £100 paybacks for him
£20 went on my next account
£50 went on my phone bill and £170 will go on OH 's credit card later today.

Going to do a food shop tonight and have ear marked £100 for this, lots of fruit and veg and tasty healthy things.

Joining WW later tonight which i am looking forward to. Lets see how that goes.

Got something bubbling that will help with my debt free attempts in a great way if it goes to plan. will update later...

carlos*the*mackem

Hi Bramble,

Just wanted to say keep up the good work! :T

Did you have any luck using Quidco? We use it quite a lot for shopping around for stuff, and the cashback is very welcome; especially when it's for things you would normally get anyway!

Can't wait to hear about your money-making plan; hope it works out for you!

bramble1

Thnks Carlos! not really had much success with quidco...can't quite seem to get it to work!!

Well my tax rebate has come a month earlier and i shall be putting this amount to good use.

OH has hidden my credit card so i've no temptation to use it. Will pay £100 off tomorrow and possibly more in the coming weeks.

Next account will be paid off tomorrow in full.

I have applied for (and been accepted) a new bank account -no overdraft :-) So shall get paid into the account in the future and start making a dent on the lloyds over draft too.

Ordering our foodshopping online tonight - £10 off tesco voucher.

carlos*the*mackem

Wow! I am seriously impressed; top MSE attitude! :money:

carlos*the*mackem

Ooo, I'm officially no longer a newbie. I've been lurking on here for a year or two, while following the MSE way, but only just started posting. Now I've got my first star :j

Sorry, just had to share that

bramble1

My next account is paid off! One less bill every money.

Just paid my minimum amount for my CC - want to wait till everything else has been budgeted for till i put more money onto it. Hopefully my new account arrives soon so i can transfer everything over, then i can work on my overdraft too.

Food shopping should arrive today. Never online shopped before so lets see how that pans out!

bramble1

Spent far too much yesterday - in the region of £100 on nothing pretty much.

It's out of my system now though, time to be sensible again.

Got enough food for nearly two weeks so should only need to do 1 more big shop in Feb. Then it's just the fresh items to stock up on once a week or so.

Online shopping was a great success in that i stuck to my list. Might have to keep it up, it will really help me stay on buget. Just need to try and get a cheaper delivery day than Saturdays ! Will start planning the next shop..

Meal Planning is helping loads.

OH gave me a cheque for £120 this week, but i need to wait for his new account to come through before I can cash it, if i put it in the Lloyds one it's only going to get taken straight away, He's going to write them a letter to try and set up a reduced payment plan for his loan while he's not earning so much.

carlos*the*mackem

Hi Bramble,

Well done on the food shop!:T As you say, meal planning, then making a shopping list to suit, really helps. Downshifting from normal brands to supermarkets own / value range can make a big difference too.

Have you had a look on the Old Style board for ideas?