8 months and counting...right, seems like some exposure is required!

dealwithdebtdot

Well, done my grocery shop spent £31.84. So glad I didn't go to Mr T! Also given DD the money for her railcard, and the photo to go on it. £30 in total! Took that out of the grocery budget. So now I only have £42 :eek: left for food etc 'til payday (23rd), but really I want to make this stretch to the 26th,to tie in with the Saturday food shop. Quite a challenge. Store cupboard a go-go.

I really do with I would hear form Paypal, if nothing on Monday I think I will get in touch with them. What with the madness on March to plan for I have no overpayments to make on the CC this coming pay day, really wanting to be able to knock some off with ebay sales. Grr. :mad:

DD will not be getting her new appliance when planned because she will be with her Dad earlier than expected. The money is already in the CC account, so at least there maybe a little less interest than there would have been on that this coming month.

Should be another NSD day tomorrow.

dealwithdebtdot

Not much for today, just getting stuff done. Don't intend going to the shops so will declare a NSD now!

dealwithdebtdot

I spent yesterday neurotically forward finance planning. More of that another day.

i claimed £5.35 from topcashback, recived today straight to the CC, doesn't make much of a dent! But every little helps.

Had to buy petrol, so a spend day..definately not going to have enough money in the petrol kitty to last 'til payday:eek:

Paypal back up an running!:T

dealwithdebtdot

Really tired tonight, so just reporting my NSD and that I will be ebay listing tomorrow yay!

dealwithdebtdot

I have been a ill, yuck. Anyway, this means I have spent a bit too much on groceries as I haven't been well enough to cook.

Good news is that accomodation is sorted out for my CPD course next month I have paid already, took it out of my savings. Grr, but at least it is coming back, and it was much less than I thought it was going to be.

Managed to get 8 things listed on ebay today.

dealwithdebtdot

So back to the neurotics I worked on last weekend. It's all about the travel expenses, so if the car fails the MOT, I may be in trouble! But here goes, forward planning on the saving pots and hopefully the CC!

Feb payday for Mad March:
Need to put aside £445, for the CPD course expenses; Center Parcs & mothers day dinner. Need to pay back £143 to savings as I have paid for accommodation for the CPD course already. So that is £588. Should leave me with £222> orthadontics.

March payday for abstemious April:
Need to get ticket for the festival £135, should leave me with about £100 > orthadontics.

April payday for Mean but Merry May: Should have about £900!:T > orthadontics.

May payday for June:
Need to pay for hotel for sisters wedding, leftovers should be about £500 > ortahdontics.

June payday for July:
Need to put aside money for August which will be crazy;
-Festival spends £150
-Family holiday £150
-sisters wedding £150
-extra petrol £100
Total £550:eek:
Should have about £100 left over >orthadontics

July, August and September travel expenses should cover the rest of the deposit and months rent in advance for London!

But hopefully, DD dad will give me £900, so that will go on the savings for the orthadontics, and I will be able to start knocking the CC more. I do have a dilemma though, I wonder if I should put the money for the ortahdontics to the CC, it would keep the interest down a bit, and then pay for it off the CC obviously. Not sure I trust myself!

In other news, NSD again today. 5 in total now, way off getting to my target of 14.

Ebay doing OK, may sort some more stuff tomorrow.

dealwithdebtdot

Ebay coming along nicely! That's all folks.

x

dealwithdebtdot

Been really busy at work, and knackered when I get home. Not really been all that well. Getting a blood test next week, for celiac disease.

Anyway, ebay did good, updated sig. £131.21 in sales. Lovely, when it comes through it will go straight on the CC! Yay.

NSD's not been so great, in part coz of feeling poorly, but also needed to get new school shoes for DD.

Pay day on Tuesday. Oh and didn't have enough petrol money in the kitty, so had to pull it form elsewhere, grr.

DD coming home today after the visit to her dad, hooray!

dealwithdebtdot

Hey y'all,

Have been rather absent but still doing my best! NSD's were an epic fail last month am going to be a little more realistic this month and set it at 8. I have a lot on this month, most of it requiring money, but i think i have it all put aside.

Had a good amount in my travel expenses so have been able to put nearly £300 in the ortahdontics fund. :T

Also brought the CC down into the net 1000 bracket, just, so that felt quite good, all thanks to ebay that! Trying to work out when I can get some more stuff listed for me to be at home to post out, I am away quite a bit this month.

Sig updated, went through the bank statement and declared the worst it had been in the month. Be good to get that to 800 and something next month...time will tell!

All good here, just really bust with work and thesis.

March tomorrow, May the madness commence!

dealwithdebtdot

Well, I did a quick calcultation in my head about how much interest would go on the credit card if I only pay off the minimum each month and it freaked me out somewhat, about £800, so tonight I have applied for a Santander 0% balance transfer for 12 months. Only problem is the interest rate, when it kicks in, if my application is approved, is 2% higher than the one i have now, that was what was stopping me, but blimey, £800. Credit Cards are EVIL.

NSD!

Am off to Center Parcs on Friday, sooo looking forward to it. Work is really intense at the moment, and the thesis, remains untouched! need to sort out food for DD while I am away, she is home alone!

Lovely thing is that I won't have to do my 3 hours in the car for the next 12 days, as am on leave and then at Uni for a week. Brilliant seen as I have run out of the higher rate of mileage, and will be less tired so hopefully thesis will start to move along.

Amidst data transcription I am going to try and tidy, and get some stuff on ebay, in my breaks.

DD had dyslexia test today, looking forward to seeing the report.