Bang...and the debt is gone! (Hopefully!)

Hiddenidenity

I still read xx

MissShoes

Purse balance: £28.68

Bank balance: £336.64

December Grocery Spends (budget £200): £27.26

NSD today :T:T:T

18 days til payday.

£212.32 payment cleared into bank account. £155.74 direct debit should be taken overnight/tomorrow.

Have done my laundry for work for the week. Have made up my lunches for next two days too.

Made £100 on 2nd job.

Have given up trying to have heating off. It is absolutely brassic here. Will try to keep wrapped up/hot water bottle/hot bath in evenings etc but sometimes you just want to whack the heating up.

Off to bed here. A couple of extra things to do tomorrow- need to call catalogue as a return hasn't appeared on statement but another (which was posted at same time) has.

Also need to remember to pay £14 for an exhibition ticket, £150 for 2nd job supplies and may be out tomo night for dinner with friends. Roll on xmas- I need a break! Which will be mainly spent in pyjamas or loungwear.

MissShoes

Hiddenidenity wrote: »

I still read xx

Thanks Hidden! It's been quiet recently! Hope all's good with you x

MissShoes

Ok so direct debit for £155.74 has been taken FINALLY.

Leaves me with £180.90 in bank.

My flebay item is up to £88 and finishes tomorrow night. Wages of £345 due on Friday.

Have a hectic day ahead. Aiming to make £50 on 2nd job.

Feeling low energy today- need to snap out of it!

MissShoes

Return from catalogue has appeared. £39.00. Outstanding balance is just under £200. I clear this in full each month (if I've used it) and this serves as a credit building tool. Not planning on using it again for a while as I don't need anything.

MissShoes

Ok monies for the rest of this pay month:

£20.00- Bank
£8.99- Purse
£5.50- Sun (flebay sale)
£8.50- Sun (flebay sale) RECEIVED
127.31- Mon (flebay sale)
£345.00- Mon (2nd job wage)
£13.50- Wed (returns)
£15.50- Wed (returns)
£74.18 Wed (flebay sales)

= £618.48

12 days til payday. This seems like a lot of money but it has to cover a lot I think....

£150- 2nd job expenses
£100- 2nd job expenses
£47.69- cap1 payment
£83.25- storecard payment
£68.89- fuel payment
£44.72- phonebill
£14.00- ticket
£30.00- xmas present

= £538.55

Which leaves me with £79.93 to last 12 days. Although the £100 of 2nd job expenses may be negotiable/could be paid after payday.

Also I need to spend £25.50 in wi1kos, £15 in arg0s and may need milk/fresh bits of food. Also hair appointment which is £40-50.

Then there are xmas festivities too which means I need to be very clever with my money/outgoings.

Things that could wait until after payday- £100 of 2nd job expenses, £30 xmas present which would free up £130 for festivities if needed.

In terms of flebay, I have a 2 electronic items to list which I'll do today- one is faulty but looking at similar items on flebay it could fetch up to £100 and the other may only reach around £20. Then I will be catching up on long overdue housework and posting flebay sales.

This week I've earned £210 from 2nd job (after deductions) and £90 from another job which after deductions will be more like £50.

On my list of things to remember:
car- oil/water/antifreeze/tyre pressures/screenwash, valet
home heating- reduce/look at foil behind radiators etc
organise paperwork into new system

Lots of things to do- housework mainly- so will compile a list later and start tackling it.

THANK GOODNESS I PAID FOR XMAS IN ADVANCE ACROSS THE YEAR!

Roll on payday- a month when I have more income, fewer expenses, a healthy second pay cheque and lots of time to earn extra monies ready for Feb paydays.

MissShoes

Wow I have been neglectful.

Hi everyone, Shoes is back!:j

Lots to report! My salary has increased by £200 a month after tax. Second job going well with earnings nicely supplementing my income. I am now a 1 income household having chosen to become single before Xmas- about which I am very happy! I am moving house at some point this year- onto the property ladder which is all very exciting. Hopefully in the summer or early autumn.

Debt wise:
I have been PAD to my storecard and will continue to do this and clear it in full ASAP

My CC is sat at £900 so I need to PAD this too.

Car ins, contents ins, breakdown cover all paid in full for the year.

Today I have:
3 loads of laundry washed and on radiators drying
Picked up supplies for homemade gifts
Picked up supplies for 2nd job
Cleared out rubbish from car- needs a good valet at some point

Still to do:
4 more to go including throws for sofas and bedding
Homemade gifts
Order 2 gifts online
Change 2 beds
Hoover house
Take rubbish out
Put pile of clean dry clothes away
List 5 things on flebay

More finance stuff to follow....

MissShoes

Current Basic SOA

Rent £950
Gas £25
Elec £25
Water £25
Sky £50
Phone £50
Petrol £100
Food £100
Creditexpert £15
Lovef1lm £10

= £1350

Income is £2450 leaving me £1100 for everything else, including payments towards debts. This does not include any extra income from 2nd job. This is just a basic outline of things just to update the diary

snozberry

Welcome back!!

MissShoes

snozberry wrote: »

Welcome back!!

Thanks Snoz, good to be back!