Hoping to be DF by 29 and a real grown up.

Fudgefund

And so to the deposit saga, which even I'm bored with now, my landlord has been on holiday for the past week, which is alright for some, so I'm still no closer to resolving the issue. Hopefully he'll be back tomorrow and I can make contact again. I'm a bit worried I'm getting to the point of being past caring, which is bad. I need that £450 back, so I need to keep going. I moved out two months ago!

I've been ill with a bug for the majority of the past week which has resulted in several NSD and unfortunately even more no exercise days. Now it's been a week since I've been out running I've become a bit reluctant to go again which is very bad. I need to get out there this afternoon and unattractively pant my way all the way round a 4.5K. I have lost 5 and a half pounds as a result of the bug though which brings my grand total up to 10 and a half pounds! I just hope it doesn't all pile back on this week. Fingers crossed everyone.

My OH gets paid on Friday and will give me the money he owes me for bills etc, so I should be able to make my first big payment off the CC! I'm down to £3200 at the moment, hoping to take another £500 off at the beginning of the month.

In other good news, found 3p this week, and I think my closed pot is very close to the £50 mark. I'm finding weekly budgeting is the best thing I've ever done money wise.

Finally, got my Council Tax rebate of £133.77! :j

Fudgefund

Dear diaryland... I finally got my deposit back!

:j:j:j:j:j:j:j:j

My stealth campaign of polite harrassment finally paid off. I can stop whinging about it on here now and get on with my money saving plans. But for now, a bit more jumping for joy.

Fudgefund

No update for a couple of weeks, mainly because they haven't been great weeks and I didn't want them immortalised in diary form. It's really my eating that's been terrible, far too much chocolate has been on offer in Tesco for the past two weeks! It's knocked on to my precious change pot, not much change at the end of the week because it's all gone on Cadbury's eclairs. I've found living with the boyfriend a bit problematic here - what the heck do you do with all the wrappers?! I've had to ball them up in my handbag and put them in a bin on the street. Not my finest hour. :rotfl:

I haven't weighed myself in 14 days, I don't dare to. I'm writing this now in the hope that saying here that tomorrow is going to be better will make me do better. I hope that makes sense. I get paid this week so should be in the £2000s on my Barclaycard - slow progress, but progress none the less. Up to £70 odd on my closed pot, getting very heavy, not sure how I'm going to haul it to the bank in December, might take my arm off.

Tomorrow - I will eat two different types of fruit.
I will not eat any sweets/chocolate/cake
I will not spend any money!
I will get into work at a reasonable hour (flexitime is bad news for me)

Fudgefund

Just re-read my post from last Sunday - unfortunately on Monday one of my colleagues had a birthday and brought in a chocolate cake covered in sweets. So there went resolution number two.
I feel like I've got my head back in the game this week though, I've noticed all my good intentions really slide the week before I get paid, so I need to keep my eye on that.

This week I've been madly booking advance train tickets for Christmas and other things, it looks like loads off my money I have, so I just have to keep telling myself it'll be cheaper in the long run. I have wasted so much money in my life just buying open returns to go home!

Bought a Dine in for two for £10 from M&S, managed to get a medium chicken, so I can make a curry for another night. I gleefully explained my logic to my boyfriend. I'm sure he thinks I'm mad.

Paid off a bit more of my credit card today after being paid, so finally broke into the 2000s! Obviously at £2943 I'm extremely close to the 3000s, but nevermind, I'll have a small jump anyway. :j This whole thing is going much more slowly than I had anticipated.

Change jar up to around £80!
12p found on the floor this week (a 10p piece really upped my find)!

Need to eat more vegetables this week. I am no friend of greens.

Fudgefund

I haven't posted for a few weeks, not been very good with money (only managed to pay off £100 from my credit card since I last posted) and as for my weight - I've ballooned! I'm a bit worried with Christmas round the corner that if I don't rein myself in now none of my clothes will fit me. My coat is definitely already a bit tight around the buttons, I wouldn't want one to ping off suddenly and take someone's eye out. I have only had one chocolate bar today though, which considering what I've been up to lately really is positive.

My real motive for posting is that I came in from work today and found an old friend waiting for me - the unmistakable blue and white letter from Barclays to tell me I had exceeded my overdraft limit and would be charged £8. I find these letters so depressing. :mad: I knew I was close to my limit - but on closer inspection it turns out I had spent £2.37 on Itunes at the end of October, received the receipt on the 3rd of November to my hotmail account and seen on my online banking days ago that it had altered my balance. Barclays had yesterday charged my overdraft interest (£21) and earlier in the day charged this transaction from Itunes and charged me for it! My statement even showed the Itunes transaction going out before the interest.

So I phoned the number at the top of the letter (in the past I've paid every single charge because I hate arguing and used to think £8 wasn't very much) and let some poor man on the end of the line have it, and they've cancelled the charge!

The man then started advising me that I was eligible for a loan, so I cut him short. Banks, eh?

banwa

Fudgefund wrote: »

Finally, got my Council Tax rebate of £133.77! :j

:j

Fudgefund wrote: »

Dear diaryland... I finally got my deposit back!

:j

Fudgefund wrote: »

12p found on the floor this week (a 10p piece really upped my find)!

:rotfl::j

I have audibly chortled at your diary; you need to post more:D

*subscribes*

mildredalien

Hey fudgefund, just found your diary so stopping by to give you some moral support! Unfortunately I'll never be DF by 29 (seeing as I hit the dreaded 3-0 in about a months time, eek!) but I'm cheering you on!

p.s. at least you have to hide your chocolates from your DB, mine insists on eating entire bumper sized bars of chocolate in front of me and bloody well gets away with it too as he goes to the gym a lot and just puts on muscle! Blimmin men!!

GreenSaints

Hey,

Just found your diary and its hilarious! I'm going to start looking for money on the floor. I don't know if I'll be able to beat your 12p find!

I'm 27 and I'm hoping to be debt free (well CC and student account) by 29. The rest is a long, painful struggle to 40!

I'm also trying to lose weight too. So we'll keep each other on track

Good luck and I'll keep checking in *subscribes*

Fudgefund

Thanks for the replies you three! I have to say the picking up money off the floor habit stemmed from lurking on someone else's diary on here, it inspired me to scan the floor (and walk into the occasional bollard). I can't remember the name, I've been racking my brains, I'm pretty sure the diary in it's current form has 'tiger' in the title somewhere though. I'm pleased to be passing the baton on. I actually found 20p left in a self service check out today, a real find! There was no one else in front when I arrived to pay so in my defence I couldn't go running after them down the street. Into the change jar it goes.

Mildred - unfortunately I am the chubby other half of an extremely athletic 25 year old, who will cheerfully play football twice a week, go for a spot of tennis and then round it off with a nice run for the hell of it. I know your pain. He will cheerfully eat a packet of Cadburys Fingers and take me down with him. We actually trained for a Bupa 10k together which nearly killed me, and whilst I would struggle along he would pat his hind quarters to encourage me along, like a small overweight dog trotting behind him.

A final word on the deposit saga, you reminded me Banwa, I never updated this nugget... Some 5 weeks after my ex-landlord finally transferred the money into the account, my Mum received a note from the Royal Mail advising her she would need to spend £1.31 retrieving a letter sent to her with insufficient postage. He had sent the deposit back using a used stamp! I was absolutely staggered. I think I still am. :rotfl:

Please keep me on track with the weight loss Green Saints, I need all the help I can get. It was almost a NSD today... until I bought a Double Decker. Since when do they cost 58p?!

GreenSaints

A used stamp?! The cheek! My mum cuts out the stamps from envelopes which she is sent with junk mail! I was very impressed when I found that out.

My favourite joke from that comedian Kevin Bridges goes something like this "I don't understand about stocks and shares or inflation, or how the recession affected me. But when Space Raiders and Freddo's are now 20p, then I'm interested"

I'm on day two of healthy eating (don't know where wotsits, chocolate and creme fraiche come into it though!) It's hard work. I've started exercising again and I'm aching everywhere! I never had these pains when I was sitting watching TV!

Still found no money on the floor! You must live in a posh area where they can just throw money away!