Apple's I cant believe Ive done it again diary

Applecider_2

9 days till I open the Jar. wow im sadly excited!! Im really hoping for £500 to pay off a chunk off my credit card. But with xmas its bumped it up anyways. So its probably been pointless but still it will be great to count it all. Going to get a new tin from home bargains this week to start all over again. Its great to open it and have no idea how much is there!

Not doing much this week, Gettin paid on thursday so looking to do this as ive spent already on xmas using my o/d again. plan has changed to

£850 Bills

£250 for my general spends

£500 to pay my overdraft back

That adds up to £1600 hopefully if I get paid a bit extra I will put that towards my O/d As well. I have no idea where I am withmy o/d to be honest I went a bit nuts shopping on saturday. Ahhhh carp.

Applecider_2

Pay day tomorrow. Unfortunatly I have spent out getting veryone their prezzies neva miind will have a big organisation tomorrw

Applecider_2

Bit miffed with myself but got some good presents this year at least!!! Paid all my bills and TBH My debt is not much been paid off but at least ive not gone further into debt after xmas! Going to open the jar on wednesday arrrghhhh exciting please be £500 cummon jar!!

I had £25 from halifax from an overpayment on my morgage in 2008?!? what the hell happened there?! but at least they giving me money haha.

Bring on wednesday. If Ive got £500 I would pay 300 off my overdraft so thats gone, then £200 off my barclaycard, it would be £2800. nice to see it in the 2000's intstaed of 3!!

chevalier

hi there just read through your threa
In these tough times it is hard to crack on with debt busting. So well done with paying off what you have.

One thought would be to keep an eye out on freecycle/gumtree/freegle if you need to replace things in your home. Or other things like clothes. freecycle and freegle, things get offered for free you just have to go and pick things up. Might help not get more credit if something breaks.

Other than that another job seems the way forward.

One other thing. How are you dividing the bills between you and your partner. Is it 50 50 or as a proportion of your wages?

If you are earning about the same money, then 50 50 is probably fine. But if he earns 3 times as much as you, then maybe he should be paying proportionately more of the household expenses?

Just a thought
chev

Applecider_2

Thanks Chev, we earn roughly the same if anything I earn more but he has no debt. Nice for some

I will have a look on freecycle I need a tumble dryer. I like ur quotes by the way! are you all outa debt or paying some off?

DancerSupreme

Hi Apples,

I have been reading through and looks like you have the same up's and down's as me. I seem to really peak around payday but mid month I am all over the place.

I have recently signed up to peopleperhour . com. It is a freelance website but I cannot recommend as I have yet to have any work through it yet. Hopefully this will generate a little bit though so not sure if it helps you. I am also in the process of signing up with Excel to work on chat lines. Well I am hoping to! My husband is fine because it will get us out of debt quicker lol! Not sure if these kind of jobs will be any good for you - I only work part time as I care for our son so am looking for evening "work from home" jobs to top us up a bit really.

Have subscribed and looking forward to following the progress

xxx

Applecider_2

gembaxter wrote: »

Hi Apples,

I have been reading through and looks like you have the same up's and down's as me. I seem to really peak around payday but mid month I am all over the place.

I have recently signed up to peopleperhour . com. It is a freelance website but I cannot recommend as I have yet to have any work through it yet. Hopefully this will generate a little bit though so not sure if it helps you. I am also in the process of signing up with Excel to work on chat lines. Well I am hoping to! My husband is fine because it will get us out of debt quicker lol! Not sure if these kind of jobs will be any good for you - I only work part time as I care for our son so am looking for evening "work from home" jobs to top us up a bit really.

Have subscribed and looking forward to following the progress

xxx

Thanks for that info you will have to let me know how u progress!! Im full time 8.30 until 5.00 usually but get weekends off! I would be happy to work nights!

awwwh bet ur lil one looking forward to xmas xx

DancerSupreme

Applecider wrote: »

Thanks for that info you will have to let me know how u progress!! Im full time 8.30 until 5.00 usually but get weekends off! I would be happy to work nights!

awwwh bet ur lil one looking forward to xmas xx

He is only 18 months so has no real idea whats going yet :rotfl: We are working on the whole explanation bit though! My hubby just needs to stop spoiling him and we will be fine.

If I find any other bits I will let you know.

Any info from your spending diary about cuts you can make?

xxx

Applecider_2

gembaxter wrote: »

He is only 18 months so has no real idea whats going yet :rotfl: We are working on the whole explanation bit though! My hubby just needs to stop spoiling him and we will be fine.

If I find any other bits I will let you know.

Any info from your spending diary about cuts you can make?

xxx

I am going halves on everything with my fella so thats good we got a shopping account. Therefore when Igo I dont spend my own money I think thats how I got in debt in the first place. That and seeing the world a little bit. Awwh men always spoil them!! And mums look like the bad guy! I see it with my friends.



My total for my savings jar was.......
£780.40p!!!!

woooo hooo its gone straight off my debt. Handy andy.

New totals stand

O/d £0
Catalogue £220
Virgin £3640
Barclayscard £2554

Total - - - £ 6414

But I still have about £100 in cashback waiting to be claimed and £100 from Very Catalogue for reffering people. Heres hoping!

DancerSupreme

Applecider wrote: »

I am going halves on everything with my fella so thats good we got a shopping account. Therefore when Igo I dont spend my own money I think thats how I got in debt in the first place. That and seeing the world a little bit. Awwh men always spoil them!! And mums look like the bad guy! I see it with my friends.



My total for my savings jar was.......
£780.40p!!!!

woooo hooo its gone straight off my debt. Handy andy.

New totals stand

O/d £0
Catalogue £220
Virgin £3640
Barclayscard £2554

Total - - - £ 6414

But I still have about £100 in cashback waiting to be claimed and £100 from Very Catalogue for reffering people. Heres hoping!

Well done - that is a cracking amount from your jar and more than you thought isn't it?

Well done on clearing the overdraft! :j:j:j:j:j