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Frugal Fresian's 2010 Adventures

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  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Excellenty hun :grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »

    Very nice!

    It's payday today ladies (and any lurking gents!) and I have made a PAD of over £60, bringing my debt down to below £4,000! I should be on course for a NSD today - I've really needed one this month!

    Hope everyone else is ok.

    Xxx
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Didn't want to go out and spend money at lunchtime so have been doing some of the quick polls on Toluna. I'm now up to 40235 points, which is halfway towards either a £12 Amazon voucher or £15 high street voucher. Even if I can average one of these per quarter that would be helpful in terms of buying Christmas/birthday presents for people.

    I've also started comping again and am doing around 30 per day during the week, more at weekends. My junk mail has exploded again! Hopefully I will get some wins though :D
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Loan balance: £5,710.09 (Boooooo)
    Savings balance: £1,775.18 (Yay!)
    Debt minus savings: £3,934.91

    Yeah baby, I'm under 4k, which means it's time for the w00ty dance....
    yahoo.gifyahoo.gifyahoo.gif

    In other news, the job I went for has now been readvertised, so I have asked for feedback from the interviewer as I thought I did well in the interview and have most of the experience they need...otherwise it's going to bug me!

    First rent payment of £300 should hit my account on the 1st, which will all be PADded away.

    I'm up to 44,885 points on Toluna, but getting quite bored of it. It really requires a lot more dedication than I have to get a voucher a month out of them! I think I'll be happy with one every three months, if I can do that I'll be doing quite well.

    I'm well chuffed about being under £4,000. It feels like it's all downhill from here :rotfl: I joined seriously in November 2008 and have cleared over half my debt, so I'm feeling very hopeful that I will be able to clear it all in the next year.
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Did you ever get a redemtion figure on the loan?
    Think i said already but yah on under £4000 :grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »
    Did you ever get a redemtion figure on the loan?
    Think i said already but yah on under £4000 :grin:
    Nope :o

    I have now taken a note of the loan agreement number though and will either call them tomorrow or pop into a branch. Honest.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I've paid another £122 into my savings today as March is a no Council Tax month and this way it's out of my account and out of the way of temptation!

    Money

    PAD account = £153
    Entertainment = £32.41
    Groceries = £218.79
    Purse = £15 and some change

    I'm going to be spending £19 today on my Dandelion powder (My friend picked this up at duty free for me, saving £3.50) and some money on dinner after work too. Apart from that nothing hopefully as I'm making lunch to take with me and have lots of fruit to eat too. Woo fruit.

    It's peeing it down raining and I'm off to Glasgow for work today. Bah.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Morning all!

    I'm finding it hard at the moment to update this thread. I don't know why, maybe I feel like I'm talking to myself at the moment, maybe it's because I'm so horribly over budget this month (Frugal living my *rse...) I thought it would be a good idea to update this morning though as otherwise I will lose the urge to update completely.

    So, first things first...

    Money

    PAD - £128.10
    Groceries - £23.12 (Woo, money left! Would have spent less but I'm addicted to makeup. Bad Fresian.)
    Entertainment - £2.43 (So horribly over budget on this one....)

    When the first of the month arrives I am +£170 in Groceries and +£30 in Entertainment, and there are 24 days until payday. It's all survivable...

    Mr Fresian's sister moves in this weekend. We have to build the bed in the spare room today which should be very entertaining. The £300 per month will be very welcome though.

    What else?

    We're going bowling on Monday and the Monday after as there is a free bowling offer at our local bowling alley. Only cost was 50p booking fee, hurrah!

    I'm back comping and can type my name and address faster than should be possible by normal human beings.

    I have over 51,000 T0luna points. Only another 30,000 to go :eek:

    That's about it. I'm off to have some breakfast now! Out to dinner tonight courtesy of Mr Fresian's other sister who is visiting Edinburgh.
  • lulu984
    lulu984 Posts: 394 Forumite
    :wave: You're not talking to yourself FF :D

    Wooo to the free bowling! :T

    Have you got roboform for your comps? Might be quicker for you xx
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