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Clippy's £11.5K challenge

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  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You're doing really well hon, nearly below 10k :j
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    gallygirl wrote: »
    You're doing really well hon, nearly below 10k :j

    not if i add on the £500 cc and £300 overdraft :cry:
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    clippy_girl wrote: »
    not if i add on the £500 cc and £300 overdraft :cry:


    :(:(:( Oops :(:(:(
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    so clippy is coming along with a naughty confession.....

    i am getting an iphone yipee :j

    tbf it costs the same as what i pay atm and although phone is £89, i can get £68 for my bb from a recycle website. although i have seen a v nice kate spade cover in the apple store :drool:

    so it will be my last naughy treat before i am back on debt-busting starting on payday friday. dont have much planned for next month so determined to stick to budget! :o
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    clippy_girl wrote: »

    tbf it costs the same as what i pay atm

    Oh good, managed to get the insurance and screen protection free have you :whistle: ;)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    hmmm so iphone upgrade was a bit of a disaster! took two days to be connected so def need to write and complain! but all set up now and i :heart2: it :happyhear

    so bad news is i owe £685.61 on cc and an extra £220.77 on od :eek::eek::(:mad: sig is updated, v depressing :( looks v bad but then i updated my sig when i made payments so that was cheating! back to updating day before pay when is at its worst!

    good news is i should stick to budget this month :beer: will have about £70 left if i do so at end of month that will be transferred to cc. also decided to go back to 4 weekly spends a month and just drag last few days of month out on week 4 spends! hoping to build up a surplus so have extra available for weekends away etc,,,

    so i am being paid about £216.39 extra tomorrow so will pay dad £150 tomorrow and £66.39 to cc. will then pay all ms money when received straight off cc. also going to get £68 for my bb and brother owes about £25 for presents!

    hmmm here it goes! will also keep acurate spending diary using free iphone app :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    forgot to say i made £300.50 from mystery shopping last month! :j

    just paid dad £150. :T

    went to pay money off my credit card and its a bos one. they have recently changed their layout online and i cant make one off payments online anymore (unless i bank with them) :mad::mad::mad:
    i am well !!!!ed off with that! how stupid is that? do they want their money or what? can !!!! off if they think i am ringing a premium rate number everytime i want to make a payment! i have now got to set them up on my natwest online banking to do it! grrrr:mad:
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    ooooh forgot.....had a nsd today :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    clippy_girl wrote: »


    hmmm here it goes! will also keep acurate spending diary using free iphone app :)

    :rotfl:and the phone to use the free app costs how much :rotfl:

    clippy_girl wrote: »
    forgot to say i made £300.50 from mystery shopping last month! :j

    just paid dad £150. :T

    :T:T:T
    clippy_girl wrote: »

    do they want their money or what?
    Yes, but they want it on their terms so they'll make it hard for you to pay extra :(
    clippy_girl wrote: »
    ooooh forgot.....had a nsd today :)

    :T:T:T Well done :T:T:T

    Will pot you up some herbs today :)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    clippy has been a good girl the past few days :)

    yest- spent £5 on mcds lunch whilst working (can claim back but not til may 19th! :( ) then spent £10 on takeway from weekly spends.
    today- spent £1 on a mystery shop as had to make a small purchase. did not spend anything else and not going anywhere to spend!

    have made £56 since fri on mystery shops! can see i have over £110 coming in account tomorrow for mystery shops so that will go off cc. but will wait for payment i did on fri to show on cc forst to make sure it works! should get more payments this week hopefully so can be paid together later :)

    stil got about £24 in purse from weekly spends to last til fri. need to pay £6 tea fund tomorrow (forgot last month) so hope to end week with at least £15. would like to save up £150 from weekly spends to keep in case i have anything expensive planned. once i have that i will pay any left towards debt at end of months :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
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