We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

My Debt-Free-Wannabe Diary

1373840424354

Comments

  • Hey, we might have the same numbers, you never know!

    Funnily enough, not a sausage!
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • Righto, time for an update on my spending:

    16/4-22/4

    0.70 newspaper
    3.52 lunches at work
    45.50 books
    17.95 pub

    total: £67.67

    23/4-29/4

    10.90 lunch (pub)
    41.93 petrol
    1.04 lunches at work
    80.00 wine fair tickets (four people) - haven't got any money back for these!
    1.50 parking
    10.00 drinks (pub)

    Total: £145.37

    30/4-6/5

    8.88 postage (ebay)
    38.79 petrol
    5.00 book

    Total: £52.67

    7/5 - 13/5

    1.47 drinks (pub)
    3.00 tombola
    3.44 lunches at work
    43.87 petrol
    20.00 lunch (pizza restaurant)
    3.60 coffees (costa)
    22.80 train tickets

    Total: £98.18

    14/5-20/5

    76.86 books
    1.43 lunches at work
    1.00 lottery
    10.50 haircut
    1.00 egg cup from charity shop
    10.50 pub lunch
    1.00 charity

    Total: £102.29
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • Aaargh,

    I have so much to sell on ebay. I need to get a move on and actually upload all the listings - I was hoping for a cheap listing day but none have proffered themselves - and I've even entered about 10 items into turbo lister but just need to check them and press the upload button...

    DDDK
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • Seem to have sold quite a lot on ebay, so listed more stuff yesteday!

    Car had an MOT today but all was well, and it was very much under what I budgeted, so yippee for budgets!
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • angelfairy
    angelfairy Posts: 3,594 Forumite
    Seem to have sold quite a lot on ebay, so listed more stuff yesteday!

    Car had an MOT today but all was well, and it was very much under what I budgeted, so yippee for budgets!

    Congrats on the MOT and ebay situation!!!!

    I have recently been entering my items straight onto ebay using their seller's form and have found when I am listing more than one item, my initial fee for my item is £0.10 (£0.99 starting price) and the remaining fees (for the same starting price) are £0.05.

    In relation to cheaper listing days, I have read on the ebay forum that these may not be the best days to sell to make the most profit as a lot of people tend to list on these days and your items can get lost in the mass.

    Hope you dont mind me adding my 2p worth!!!
  • beccaoz wrote: »
    Congrats on the MOT and ebay situation!!!!

    I have recently been entering my items straight onto ebay using their seller's form and have found when I am listing more than one item, my initial fee for my item is £0.10 (£0.99 starting price) and the remaining fees (for the same starting price) are £0.05.

    In relation to cheaper listing days, I have read on the ebay forum that these may not be the best days to sell to make the most profit as a lot of people tend to list on these days and your items can get lost in the mass.

    Hope you dont mind me adding my 2p worth!!!

    Yes I have always wondered if cheap listing days were worth it, but I suppose it depends how you use them - I remember free listing days and they were definately worth it!

    Good tip with the cheaper follow up listings! I use turbo listed because then I can upload it all quicker, or so I find, and can write a "rough" description and then flesh it out a bit when I feel like it. I just need to make myself do it - I have got way too much stuff - I just need to get up off my backside and sell it!

    Assuming other people want my rubbish, of course...
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • Spending Diary

    4.23 lunches at work
    16.70 lunch out
    24.00 presents
    63.00 celebration lunch
    173.50 celebration dinner
    40.60 petrol
    2.35 two 1/2 pints in pub

    Total: £324.38 (!!!!!!!!!!!!!!!!!!!!!!!!!!)

    Bad DDDK. Damn parents and their anniversaries eh?
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • M&S card direct debit went out today for £178.33:

    Debt Totals:

    £4,750.00 Amex
    £1,850.00 Lloyds TSB
    £5,721.67 M&S

    Total: £12,321.67
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • Rounded off M&S debt with payment of £21.67:

    Debt Totals:

    £4,750.00 Amex
    £1,850.00 Lloyds TSB
    £5,700.00 M&S

    Total: £12,300.00
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • Damn It.

    5p listing day on ebay today! I knew there would be one just after I'd given up on one and listed loads of stuff....
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.