Moneymuddlers Debt Free Dream

moneymuddler

Nuclear_Tom wrote:

TBH, I dont think £40 a month for Christmas is extravagent, but could probably be reduced to £25

Well done for getting started. Nothing other than the lotto is really jumping out at me, but if you shop around and make sure your utilities are all at the cheapest they can be you could make a tidy saving.

Welcome to MSE!

thank u!! im just going to keep rambling on here then at least im not out spending :rotfl: its amazing how debt just gets bigger and bigger without you realising...its pretty scary!

Sammz

Welcome

Have you heard of cashback sites? https://www.quido.co.uk is the best one I've used. You get money back from shops you use online. Or some good deals if you switch any insurances as long as you click through from Quidco. https://www.pisgback.co.uk is a site that will give you points for clicking on links or also for shopping through various sites. Each point is worth a penny and you can then exchange it for vouchers. I've made nearly £15 just by clicking and siging up to things (be sure to set up a hotmail account just for this reason, don't want your inbox getting full of rubbish!).

Good luck in getting debt free

moneymuddler

thank u for your replies i will look into the rcn sounds good!!i have already signed with pigsback and will now try quidco..........i def need to cut back on groceries and the storecupboard challenge sounds like something i will try in the new year...new year new outlook and hopefully debt free!!.....

moneymuddler

well ive been paid and i seriously have no money to last until the end of jan (get paid again 26th jan) this is after buying my crimbo grub (i used cheques which are covered by my wages) realistically i cannot go nearly six weeks can i , i dont want to use cc or extend od so what do i do??blub blub i can cover diesel but thats it......any ideas on moneymaking????

moneymuddler

just to add i miscalculated this months wages thought i was getting more...

moneymuddler

hi thanks...unfortunatley as i am childrens trained it is impossible to get any overtime through agencies as all wards use their own staff..i work in a hospice and have let my boss know i am up for any overtime although this would not be paid until the month after...on the positive side i have got an extra £24 from lotto!!!

moneymuddler

Tustastic wrote:

Well done mm for being £24 up on the lotto. Shame about the agency and bank shifts. Even if you are kids-trained, surely you could be taken onto the books of any agency that provides home carers? The unqualified carers who helped look after my elderly mother were completely fab and professional even though they had hardly any training. Worth looking into this, no? Also, perhaps you could ask for some advice on the Benefits, tax credits and jobseeking boards - if there is any kind of handout you and yours could possibly be entitled to, someone on there will be able to point you in the right direction.:)

ooh thankyou hadnt thought of that!!! cheers:beer:

moneymuddler

happy new year to you all!!!! let 2007 be the year we all achieve our goals... i am writing my resoloutions so that when i start to fall off the wagon i can look at them and remind myself why i want to achieve a debt free status!

1. budget, budget , budget - work out a realistic budget and stick to it!!

2. put all spare cash onto my damn cc then close the account and never ever do plastic again

3. regularly check out this forum for advice and motivation

4. become addicted to money saving os - plan meals and cook from scratch,shop around for food and cut food bill by half at least!

5. stop wasting leccy switch off lights,dont use tumble etc

6. remember that i want to be df so that i can buy my dream house and that i want to be able to SAVE towards this

7. save all pigsback and boots points for xmas

8. avoid shops , stop lunching out,

9. actually try and make money from avon,put effort in and stop ordering myself!!


hmm think thats enough for now....am going to work out what effect xmas has had on my sig and will update accordingly..gulp:eek:

moneymuddler

pay day has finally arrived and most of it has gone already!!!im now plotting what im going to pay off this month -have had an internet tesco delivery this morning and am on my way to iceland to stock freezer which will hopefully last the month.these numbers need to go dowwwwn i think next and the smaller card are what i need to pay off next....

moneymuddler

things i have managed to cut down.....
broadband £14.99 pm from £25.99
car insurance £26 pm from £33
gas/electric £48 pm from £55
bt £11 from £35
savings= £48 pm

in the process of getting life ins quotes which will hopefully be reduced by around £35-40 pm so im trying sooo excited about the £48