debt realisation

Verbatim

You're doing really well Swirl. I've just read through your thread and am amazed at how much you've changed already. Good on yer.

taxi73

well done on what you've achieved so far:T :T :T that's an excellent start...using the stuff out of the cupboards and freezers has saved me loads of money ..def worth doing;)

lynzpower

well done you!

Also to say if you are going to change suppliers do so via Quidco- then chose uswitch. where they will pay you up to 18 for each switch. this money just trickles into your bank account

Also to say have you got any old mobile phones laying about - sell them to envirofone.com but click through quidco as you get 1.49 for requesting the envelope with them

What about getting selling on ebaY? Amazon? Youll be surprised what you can make by selling old bits & pieces

swirl_2

thanks for everyones tips on cutting down on spending, get paid in 4 days and for the first time in ages and ages (probably 3 years) i havent used my whole overdraft, (£1000) am at £600 D at the moment, and considering january is the worst month, i think i've done well. thanks to you all, hopefully next month i'll get it down a bit more.

scholt

well done swirl! :T

Could you switch your once weekly nights out to a night in with the girls? Either at your place or theirs, everyone takes a bottle of wine or something to eat. It will probably never cost you more than a fiver. I used to always be down the pub but since I moved to the south the drink prices are so eye watering.....
I got accepted for the M&S Card today so looking forward to transferring 2 balances to that and actually paying some of the capitol rather than the interest for once.
Keep it up x

swirl_2

hi, going out first time 2nite since xmas, but drinks r £1.50 all night so shouldnt be too bad. gonna try the M&S too. think i've saved the most on the food shopping, am quite proud of myself. looking forward to see how much i can save next month. have walked to work most mornings and am quite enjoying it. also need to open a new bank account as i'm gonna try and claim back some bank charges, i've had loads! x

scholt

swirl wrote:

hi, going out first time 2nite since xmas, but drinks r £1.50 all night so shouldnt be too bad. gonna try the M&S too. think i've saved the most on the food shopping, am quite proud of myself. looking forward to see how much i can save next month. have walked to work most mornings and am quite enjoying it. also need to open a new bank account as i'm gonna try and claim back some bank charges, i've had loads! x

you're doing really well! :T I think you have also reached that stage (I know I did) where living more frugally actually becomes something satisfying rather than a pain in the @ss

swirl_2

your right i'm actually enjoying not spending extravagantly in sainsburys, also i get home from work quicker as i'm not spending time wandering aimlessly round the aisles. also enjoying not spending too much time reading 2 papers each night as i've stopped buying them, which has saved me about £28 a month, they're full of rubbish anyway. I just watch the news instead. as for the shopping i am spending a lot less but eating healthier as we are not having take aways and rubbishy processed food that always seemed more convenient. thanks again for all tips

saintly_2

well done swirl you are doin so well.

just a quick one, did u take PPI out on your loan, if so maybe you could look at cancelling it an takin out a seperate policy which is hell of a lot cheaper.

swirl_2

was accepted for HBSC 15 months 0% with a limit of £1750 which will cover most of my barclaycard, and MBNA 12 months 0% which will cover my tsb credit card. Applied for M&S 3.9% for life but they turned me down. Oh well 2 out of 3 aren't bad! will change my debts list, when they transfer, still working on my overdraft but its going down. Have been looking at my on line statements, last months tsb payment was £111 and £98 was interest so actually only paid £13 off the debt, its madness, but proud not to have used it since christmas and its in the bin now anyway.