Another month almost over...

justanothermuppet_2

This month, I have had my 'lightbulb moment', which I think is a really big thing. I've been really thrifty since then and I've also set my targets for next month (OH gets paid on the 1st and there's going to be no more 'frittering')

Batgirl

Well done justanothermuppet the lightbulb going on is the most important time.

Well this month I have really bullsed up and managed to overspend over £400 and don't really know how so I am gutted. But fortunatlye my OH has worked his but off this month and we have a lot of extra coming in. I know this is putting a bit of a downer on such a positive thread ( sorry ) but it has inspired us both to sort it out and go back to mse living as of now. We have just looked on quidco and are going to join some more bingo sites etc that pay you more than you put in so that will be good. Also we have now bought everything we want / need for the house except one blind so we have no reason to mess up again.

Well done everyone else.

Batgirl

WelshWoofer

Hi,

Have been on hols to Canaries and managed to pay cash for the holiday and spending money and only needed to take 40 Euros out of cashpoint - really good for me - so holiday debt this year.

Have gone over the grocery challenge by just 10 quid - used to spend approx 50 a week in Tescos and have got this down to 110 for the month

Have paid off Lloyds TSB cc completely(yeh!!)

Have paid extra 250 off Halifax card (150 of which was money that I didn't expect to get back from a loan to OH years ago - effectively free money as I'd written it off)

Am now under the next 1000 pound marker (makes a really big difference psychologically) and am now, counting all loans, cc's etc, on the 13000 milestone - that means that approx 5000 has been paid off since February!!!!!

Will be in credit when I get pais in 2 weks barring any unforeseen disaster

Thought I hadn't had that good a month until I thought about it and wrote it down here - thanks for this thread it's great encouragement.

xx

beanielou

Wow, well done all of you.
Im feeling good (for me anyway!) as have cleared a storecard & a credit card and by the end of next week my credit union loan will be finished.
Still got a long way to go on a personal loan but am pleased wth things so far esp when I think back to Jan 06 when things were really dire.Its a great acheivement for me to be able to stick to a budget(mostly anyway!!)

lifebegins

Like justanothermuppet, July was my lightbulb month, so early days yet but have already:
saved £100 on car insurance
applied for 0% interest cc to put 15.9% debt on
joined quidco, mystery dining and yougov
Feel really positive for the 1st time in ages. Looking forward to my first proper month of MSE'g but 3 family birthdays coming up in August so will have to get creative!
Great thread: it's an inspiration to see how much you've all paid off (and how quickly as well).

K9cuddles

Well this is all my achivements this month.. not just df..

- I've managed to pay my car insurance in 1 instalment so no nasty charges
- Paid off 12 months car tax saving money on buying 2 lots of 6 months
- Stuck to my excericse regime and completed 5k race
- Still saving my £2 coins and spare change!
- Increased my pension contribution
- Kept too over paying the cc's
- Passed an important exam
- Kept up with my health checks.. dentist, doc, opticans etc..
- Bought a new pair of glasses very MSE
- More Piggysback vouchers
- Still ordering MSE Freebies