Debt Free by 40 Debt Diary

ZTD

oakdale_minx wrote:

And it felt the same after going to Asda. I screwed up the receipt and chucked it in the breadbin in case my OH saw it, and saw it as a 'slip'.

So fish the receipt out of the bin, and stick it on the fridge.

Dare ya! :rotfl:

scottishspendaholic

Hey oakdale,

I absolutely relate with what you did/are doing. I do this as well - if no-one see you - it didn't happen - right?

Its good keeping a diary, isn't it! Keeps you on the straight and narrow and well done for confessing all!

scottishspendaholic x

oakdale_minx

ZTD wrote:

So fish the receipt out of the bin, and stick it on the fridge.

Dare ya! :rotfl:

erm, probably best I don't!! :eek:

Lesson learnt though - the thought of sticking a receipt of 'tosh' on the fridge!! Asda detail the items more than Tesco it's usually quite easy to see what has been bought. It would be Spanish Inquisition (so what have you bought? why? why? why?) followed by the dressing down (no wonder you're in a mess etc etc etc)

Lady_S

Hon I have just read all of your diary and really admire you for taking the bull by the horns, but don't let your OH bully you into being ashamed of what you have brought. He is too easy to forget you are supporting him and he is giving you nothing in return.

You are doing a fantastic job

oakdale_minx

thankyou Lady S
Had my £120 refund from moneyclaim online today - my fee for withdrawing the claim I put in too early. didn't realise I got a chequ, I presumed it would go straight back on my CC. I've got Friday off to do my AQA training so I'll pop to the bank on the same day and deposit it, then when it clears transfer itover onto the card I used originally. Only a couple more days and I can re-submit the claim.

Picked up another mystery shopping job yesterday , i'm keeping a note of them now as i've got 4 or 5 to do.

Could do with a decent night's sleep - the heat is too much!

oakdale_minx

Just had a little pleasant surprise. Did my budget again for next month and it's come out a bit better than when I did it a week or so ago (when I would only have had £80+ for the month after the bills!)

I'm had it confirmed that I'm getting a tiny annual payrise at the end of the month and I've just had a look at an online tax and NI calculator and I should be getting an extra £35 after tax now each month. I'm due £38 from greasypalm and i've got £16 in paypal at the moment. Adding it all together and re-doing the sums now I have all my CC statements in for the month and I will have £183 for everything after all the bills have been paid. I'm going to find a few ebay bits to sell, i've got some tagged clothes i've never worn when I was on a diet and vowed I'd get into !!! I can always re-buy them if and when I lose the weight - they were about 4 sizes too small so I might as well sell them rather than hoard them.

I'm very pleased with the budget for the month ahead, I'm going to look at a supermarket budget of £120 again for August and make sure I shop at 6pm every time I go to Asda as that is when they double reduce - and the stuff goes very fast!

I've spent £135 this month on the supermarket shopping , one pizza takeaway and one night out. I'm proud of that. Nine months ago I was spending £350 a month at the supermarket and although not going out very much then I'm sure there would have been one night out per month to add on to that figure.

oakdale_minx

Was woken up by my first attempt at homebrew ale fizzing madly all over the carpet early this morning. :eek: My house stinks like a brewery. :eek: I've put out a mercy call on the OS board to see if there's anything I can do - I don't want the other 35 pints on the carpet! It is a kit I bought my OH for Christmas and now I'm not buying him any beer (he's told me not to - okey dokey,saves me money!) I've stopped waiting for him to get his act together and brew it and I did it for him . I don't like beer, but this would keep him in ale for a while!! Well it will if it doesn't fizz all over the floor!! :eek: :eek:

Have decided something. I'm waiting for statements for my old Capital One card which was a different a/c number and was closed about three years ago. However, I now have a Capital One card,which I've had almost as long, and I think there might be a few charges on it. Not many, but maybe £100. So I'm going to put the wheels in motion to ask for my statements for my current capital one CC as well and have those charges refunded!

Got my latest Masters essay back - the one about postmodernism and all that rubbish - opened it very slowly as I didn't want to see the mark - but I got 55% - and that suits me fine!!! :T Apparently he thought I'd made some very 'interesting' points on what was a 'difficult question' - you're telling me!!!! :rotfl:

Next one is due in 31August, so I'll start thinking about that in a week or so............or three.........;)

oakdale_minx

blimey....such a busy DFW day!!

Took the day off to do my AQA training. Started the day with that lasting 30 minutes. You have to then do 30 live questions before you can become a fully fledged AQA researcher so I've been doing them today - people asked such weird and wonderful things!!!!

Went into town after my AQA training. Banked the £120 refund from money claim , and then did a mystery shopping assignment a few doors away which was handy.

Had to get a couple of bits of toiletries urgently so popped into Sainsbury. don't go there now as it's so much more expensive than Asda or Tesco, but it was on the way back to the car park in town. Spent £10 but got some of the bits that were on Monday's shopping list so I wasn't too worried about that.

I've just re-submitted my second Abbey claim for bank charges - I've got the date correct this time! I've now got a claim for £3749 filed which includes the 8% annual interest - that was nearly £100 on its own!! So, I've now got court claims filed for bank charges totalling £4,350 with the Abbey. Citicards will be next as they are now on the letter before action stage.

You'll all be pleased to know my homebrew beer has finished its little tantrum. Carpet still stinks so I'll be getting the carpet shampooer outof the loft over the weekend!

OH phoned me and asked 'if I was going to get anything from the shops could I get him some beer from the reduced section - I'll give you the money back' which translated as "please go to Asda and get some of the reduced beer you were telling me about the other day because I can't be bothered'.

When my lightbulb moment hit - his exact words were 'once the beer has gone from the fridge DO NOT buy any more. If I want some, I will buy some' I repeated this back to him and he said 'ah well, yes, but I didn't mean reduced beer...........' I said I wasn't going to the shops. He said 'ok' a bit sulkily. I said 'why don't you pop and get some'..........he said 'mmmm, might do.......' in a 'no, can't be bothered, I want you to go' voice........i stood my ground though!! The chances of getting the money back are virtually nil. We live equidistant from the store and he was VERY firm about me not buying him any more beer. So I'm not doing it!

You know how Kevin (from Kevin and Perry) acts when Perry has gone home and he has to do stuff he doesn't want to do? That's my OH. And he's 48 in October. Men.

scottishspendaholic

Hey oakdale,

Well done for staying strong with the OH - he doesn't deserve the beer from what you've said! Men are cr*p when they don't get their own way - in my experience - sorry boys!

Well done on sorting all the bank claim stuff out.

I was thinking about you today and your AQA training. Do you know if you've 'passed'? I'm applying for AQA next week (looking for researchers in the U.K. again) and would appreciate any info and advice if you don't mind me PMing you nearer the time?

Thanks!

scottishspendaholic x

oakdale_minx

hiya scottishspendaholic - hopefully I'm having my first questions marked today/tomorrow, I can see my trainer is online at the moment. I have a 'review' with her online and then I can carry on.

Yes, PM me by all means - I'll help in whatever way I can