What are you doing to get debt free .... join in!

HomeJames_3

Re Boomdockers message

We changed to shop brand own dried cat food as it was cheeper be wary one of our male cats developed kidney stones and it cost us £180 at the vets the vet told us it was because of what we were feeding them Now we buy urinary diet cat food it costs a small fortune but it prevents them becoming ill

scottishspendaholic

Hello,

From reading all the above, I thought of some more!

*Looked out 2 old, old savings account books - added the interest and closed them down - a grand total of a £5

*Banked coppers

*Mobile changed from average of £30/£35 per month to £15 fixed price per month with lots of free minutes/texts

*Started to batch cook and shop more sensibly

*Shaved legs using hair conditioner, stopped getting eyebrows waxed (now pluck) and used up toiletries from Christmas

*Started cleaning using Stardrops, microfibre cloths and newspapers

*Tried to get the bus to work, rather than drive/train - didn't work out but I gave it a go!

More to come, I hope!

scottishspendaholic x

In_Search_Of_Me

What a fab & encouraging thread! So far have...(mostly!!)
Cut down on spending on rubbish
Changed utilities
Cut obile to min & will got to PAYG when contract ends
Changed phone/broadband/tv packages
Changed vet & pet insurance
Mix cheap & nice cat food (or they wont eat it!!)
Have savings account, no O/d & rarely use CC
Shop around for everything & buy mostly tesco own products (except for washing powder, mayo & tom sauce!!)
Cook for myself instead of buying processed
Take lunch & brekkie to work (most days!)
Enter comps, freebies etc
Use quidco
Sold 700+ of stuff on ebay & amazon
Do a daily spend diary
Started saving £2 & 20ps and bank monthly
Know what I have, where it is & where I am going with my money
All in all much happier, despite having a long way to go!! Hugs all...keep up the good work!

In_Search_Of_Me

ss you're an inspiration!

Essex-girl_2

Hiya

I lurk on this board and rarely post but thought this post was a brill idea so will put down what I have done so far.

• Saved £80pm by changing mortgage life insurance
• Changed energy suppliers - not yet sure of savings
• Save £2 coins
• Joined grocery challenge and meal planning - cut budget so far £100m
• Cut down on takeaways
• Purchased MS Money to start really budgeting - got it really cheap
• Snowballed credit cards and paying off correctly
• Use stardrops and vinegar-saved a fortune on cleaning products
• Am budgeting properly for Xmas

Think there could be more but brain is a bit fuzzy at the mo. Hope to do lots more changes too.:D

Boomdocker

scottishspendaholic wrote:

and used up toiletries from Christmas

ooh, I forgot about that. Can't remember when I last bought smellies now as I am still working my way through my birthday and chrimbo prezzies.

Boomdocker

HomeJames wrote:

We changed to shop brand own dried cat food as it was cheeper be wary one of our male cats developed kidney stones and it cost us £180 at the vets the vet told us it was because of what we were feeding them Now we buy urinary diet cat food it costs a small fortune but it prevents them becoming ill

Thanks for this HomeJames. I only bought Iams hair ball formula as my cat rather attractively leaves me hairball suprises on my cream carpet much to my delight. Havent noticed a difference in that area since I switched her. To be honest they have had it for a while and are both in there teens. I don't get them the really cheap cack but I do get Sainsburys/Tesco/Asda own. Now you got me worried. Should I be?

CosmoCat

fantastic thread!

I have:

-Joined MSE
- Opened second account, so now household bills come from one account and debt and personal payments from another, so I can correctly chart my spending
- Paid off, cut up and closed 2 credit cards (over £4000)
- Switched from Sainsburys to Tesco's
- Earned £200 through Quidco
- Rejoined AQA and earned £250 last month
- Joined dvd rental schemes for free trial
- Chased up missing payments with ccard company and got refunded.
- Keeping a spend diary
- Listed and sold a few books on Amazon
- Stopped most of my impulsive spending and social spending (not stopped completely but cut down considerably)
-Started looking for and using freebies and joined click companies like pigsback, and survey companies for vouchers.

that's it so far....i think

thanks for such an uplifting thread.

ozzyfan_2

what a great thread! :T

So far I have

Sold my car
Cancelled Sky
Always use an e-voucher for Tesco shop
Bought coach tickets using a money off code
Used Stardrops, microfibre cloths & soapnuts for cleaning & most laundry
Done 2 house moves to raise extra money
And transfered an 8mm film onto dvd for someone with help from the techie board, they wanted 30 copies & got paid for this too
Shopped for clothes at charity shops
Decorated 2 rooms with leftover paint
Cooked loads of meals to freeze
Meal planned
Done a 2 month free dvd trial
received lots of useful freebies
Used lots of coupons
Cancelled a ppi
Took part in a uni survey for high street vouchers
claimed all benefits we're entitled to
planted free seeds & started a compost bin
bought reduced price cards & pressies
stopped smoking
read the money diet, the money secret, automatic millionaire, saving karyn, rich dad, poor dad & creating true prosperity
bought magazine subscription using clubcard points
made phonecalls online
kept a spending diary
signed up for Quidco & Pigsback

spud30

melabarrie wrote:

fantastic thread!

I have:

-Joined MSE
- Opened second account, so now household bills come from one account and debt and personal payments from another, so I can correctly chart my spending
- Paid off, cut up and closed 2 credit cards (over £4000)
- Switched from Sainsburys to Tesco's
- Earned £200 through Quidco
- Rejoined AQA and earned £250 last month
- Joined dvd rental schemes for free trial
- Chased up missing payments with ccard company and got refunded.
- Keeping a spend diary
- Listed and sold a few books on Amazon
- Stopped most of my impulsive spending and social spending (not stopped completely but cut down considerably)
-Started looking for and using freebies and joined click companies like pigsback, and survey companies for vouchers.

that's it so far....i think

thanks for such an uplifting thread.

Could you please explain how you earn sooo much through Quidco?

I must be missing something