Adi's debt free diary!

adiwood

Can't wait for my new credit card to come through now so I can get everything in one place including my overdraft! Once I pay the fee's I wont be paying the interest each month and it will be much easier to manage.

My plan this weekend starting tomorrow is to try and earn as much as possible through Ebay, cashback free deals and various other ways.

Spent £13 in Tesco and have enough food to last till Friday now! I still can not believe how much food some people seem to buy!

I need petrol but have some Sainsburys vouchers left so can use them.

Also have my MOT nearer the end of this month so hoping that will go through ok.

Not much to add tonight really.

Woowoo

You'll be saving loads on interest once you get the transfer done.

Fingers crossed for your MOT!

Have a nice weekend x

adiwood

I reckon I will save about £24 a month which over a year works out alot!

I have been trying to decide how to best spend my Tesco vouchers tonight - have £47 worth so think I am going to use £10 to exchange in store to get some £20 more christmas lights and then use the rest on meals out vouchers which will work out to about £148 worth.

Have decided I am going to get a real Christmas tree this year and going for a silver and electric blue or silver and blue theme I think - found what looks like to be some good ones at Poundland so will look on Sunday when I go to Exeter.

Can get a real tree quite locally for £19 it looks like which I will more than likely get in the first weekend in December. I will be going back to my parents for christmas so want to get it fairly early so I can enjoy it!

Woowoo

I love real Christmas trees, my OH will only have our fake one though

I brought my Xmas Decorations around 10 years ago from M & S and their still looking brand new, I spent about £50 on them on my credit card, I was joking with my sister that I'm probably still paying then off now lol!

adiwood

Well I am on a mission to make £100 this weekend.

- Last night I made £18 from signing up to a months trial of lovefilm although this is not tracking yet.
- Selling some old mobiles on fonebank so can earn £23.00 from that as long as the 2nd phone works (charging it a bit now) + £3 cashback from Quidco.
- Have done some daily clicks which come to 12p.

Total so far is £41.12.

Not sure how I am going to make the rest!

adiwood

Just wrote some meal plans for the next two weeks and it works out I have enough food without going shopping apart from some rolls and some filling till the end of the month.

I ws going to go out tonight, but feel so tired and not really in the mood. I don't want to spend the money as well.

Woowoo

You just wanted to stay in and watch X Factor, admit it lol!

adiwood

Woowoo wrote: »

You just wanted to stay in and watch X Factor, admit it lol!

I was tempted.

Actually I have spent the last couple of hours trying to learn the guitar. Found a very good tutor on youtube to get started and have been learning some Muse. Have been really enjoying it! :j

I feel so much better that

1 - I have not spent any money
2 - I have learnt something new

Somehow I have to earn £59 before Sunday 23.59...

Really excited about getting my new credit card as can get everything on there. Planning on paying the minimum payments and then putting the rest in my ISA for a the 16 months ready so I can pay it off in April next year.

adiwood

Well hopefully I have earnt over £100 this weekend by signing up to the Sainsburys deal life insurance deal although won't find out for 3 months.

I am a bit worried about my budget this month as have my car tax and MOT very soon now and still got my loan to go out.

It is going to be really tight! :mad:

adiwood

Hoping to get home to my new MBNA credit card!

Will be great to have all my debt on one card at 0% for 16 months.

I had planned to save £200 a month but think this would be too hard so going to try for £150 into the ISA.

Using the snowball calculator this would mean I would pay £31 interest over 22 months which is longer than I had hoped but is better I think.

Any extra money will be going on overpaying my mortgage as think it is important to get this below 90% LTV.