I Will Will Will Do It This Time!

crapwithcash82

Hi Cakelover, just wanted to say hello, have just read your diary. I'm sure you will manage to be free of your credit card before 2012! Have you done a SOA? There's a good link on here somewhere, and if you post it, people can have a look and see if there are any area's you could cut back on or make savings.

I've just got back into the site, as I used to be on here all the time but got side tracked with uni work as I was studying part time at nights while working full time through the days but its a great site, and I'm determined to get debt free this time!!

Good luck on your journey and I will check back to see how you are getting on!

cakelover_2

Hi CWC82
Thanks for taking the time to read my diary. I think I am getting addicted, right now one part of me is saying I really need to go to bed, but the other part just wants to do my diary and read other peoples diaries, lol.
I have thought about putting an SOA up. I do have my budget set out so I could just copy and paste it onto here. There are some things I could change on it, but it may be worth me putting it up anyway.

fizzypops

morning cakelover, i see you found my diary thanks for the kind words.

i was thinking about putting an soa on my diary too just so it is there in black and white how much i should or shouldnt have left over after bills are paid. this diary lark is fun isnt it!! seems to take my mind off things. :cool:
i have subscribed now as it wouldnt let me last night so i will be checking to see how well your doing. :T
xx

cakelover_2

Well today marks my 26th birthday :j:beer::T:bdaycake:I love birthdays! (This will be a very smily post! ).

I wasn't planning on coming on today as I like my birthdays to be just about me and being selfish - well it only comes once a year! But I am just at home alone as every one has had to work today so I thought I may as well do something, so I have paid the £6 I put in the bank yesterday on my card. I may as well start the new birthday year as I mean to go on! Tonight OH and I were going to go out to eat but we are watching our pennies and I didn't get the Tesco vouchers changed up in time, so OH is going to cook me one of my favourite meals which will be lovely, I am looking forward to him getting home from work.

I have been thinking of the things I want to achieve before I am 30 today. It's only 4 years away, which sounds like a long time but I'm sure it will fly by! At a minimum I would love to have paid off my debts and at least part own a house. If I can manage those 2 things I will be happy and who knows, maybe OH will pop the question by then!

Yesterday I signed up for the free energy savings products as per Martins link :money: so hopefully they will save us some cash. We already have one of the bags that go in the cistern which we still need to put in, so maybe I will give the other one to my parents if they want it.

Well I think I am going to veg out now with a cuppa, some chocolate and the tv, I may start my Friends boxset from start to finish. I've watched lots of them but want to start from the beggining.

CL

fizzypops

happy birthday :j:beer::bdaycake:

my 26th will be next year, good on you for wanting the day to be about you, im a bit like that!!! :shhh:

have a good evening with oh

xxx

Sea78

Happy BIrthday!!
Enjoy your meal - and you never know - with the power of this site and everyone behind you - you could be debt free before you are 30!!

xxxx

cakelover_2

Thanks Fizzypops and Sea :beer:

My debt is relatively small compared to lots of people on here, even including what is left on my bank loan which is about £3,000 - £3,500 (I need to update my sig with that) and that finishes April 2012 paying £225 a month, so that's my ultimate goal for being debt free. Before then would be even better though! When I am debt free, I will be at least £325 a month better off! I'm looking forward to seeing that day!

Sea78

Whoops - just re-read my post and meant WELL BEFORE you're 30!! And then the deposit will come along nicely (and good luck with OH and *that* question )

xxx

bluejeans53

So sorry I missed your birthday, hope you had a "fab" one.

cakelover_2

Hi everyone

Thanks for the birthday wishes Sea :beer:
Haven't been on for a few days, haven't had much to note.
Started sorting out all the stuff in our flat that needs to go. Got some shredding to take to work now which I must remember to take tomorrow. Meeting a customer with colleagues from work tomorrow so a free lunch for me! :j
I received my CO-OP points statement today. Wasn't holding out much hope as we don't shop there that often, although we may be starting to a bit more, so was only expecting maybe a couple of pound. Opened the letter and we have earnt £1.24, of which £1 goes toward a memebership fee (don't remember having to pay that out of the points you get rewarded) which leaves 24p.You have to have earnt a minimum of £2 to get a pay out so we earnt a big fat £0! Though, it does say it's for January to June 2010, so maybe the rest is to come? Seems a bit silly though that we have only just been sent that statement from 6 months ago?
I did however find about £4 in my bag which was change left over from some food money we spent, so that was a bonus! After paying my credit card this month which we used for food out of the shopping budget, we will have only £110 for the month. That's about half of what we normally spend but I am feeling optimistic. I also get paid on the 17th this month so although I don't really want to touch the food budget for January we can dip into that if needs be and be careful next month too.
Feeling excited about Christmas. I realised how much I have left to do. I've planned on lots of baking/cooking such as piccalilli, cookies, truffles, mince pies, card making, so I have written out a to do list with dates from now until Christmas to keep me on track. I've actually filled up most of the evenings and weekends till Christmas, so I am going tobe busy busy busy! Tonight is researching truffle recipes and writing out the ingredients list for that and the piccalilli. I want to do the truffles on Sunday (hope this isn't too early) and going to start the piccalilli Monday evening when I have my jars. Managed to find 12 jars and lids for about £8.50, which is a lot cheaper than other places, plus someone at work is picking them up for me when they are shopping on Saturday so I won't have to pay delivery, which is very kind of him. Didn't really fancy going out in the car in the snowy slushy icy weather, especially if I don't need to. It's so quiet around here at the moment it's really strange walking home from work, there are normally lots of people. It's very pretty though all the snow, I have got my camera out