Time to get it sorted

InsertWittyName

The list in your signature looks like it's getting smaller Squidge, well done!

Taking food to work sounds like a good money saver, especially at £15 per week - I've always done it and find it to be a good thing

Regarding the OH's birthday... Was the treat worth it? Did your OH deserve it? Was it worth putting off your DFD for a little bit in order to do it?

If you answered yes to at least 1 of the above then don't be so hard on yourself - if life ran like a spreadsheet then likely there'd be none of us DFW's here to start with

Christmas is always an expensive period - the way I see it is that as long as my debt doesn't increase (like it has for every year previous to this!) then that's a good thing in itself. Got to keep the debt/life balance in perspective!

[EDIT] I'm up to £10.90 in my OnePoll account, catch up!

Squidge123

The present was definately worth it with was he's been through lately. I've created a new budget for November payday and just gotta try and stick to it and hope my wages don't get messed up!

Squidge123

Payday is this Friday coming. I've just got to hold out til then and everything will be ok I will be able to start again! I'm going to rework my sig and instead of having all the different debts in there I'm going to have one total that I can strike out and write the lower one next to it every time I pay something off!

CharlieWaffles

Good luck Squidge Im enjoying your diary - Is the OnePoll surveys hard work? I tried some in the past and it was a nightmare, sometimes I would spend 2 - 5 min completing the "do you qualify survey" only to be told I dont fit the bill.

Squidge123

I did find that sometimes I would spend time going through loads to find that I wasn't suitable. But I did a load the other night and qualified for them all.

Do you have a diary Charlie?

hillside777

I have a OnePoll account but always forget to check it unless they email me.

It takes so long so build up the balance. I think I'm on about £11 and £5 of that was the initial sign up bonus about 18 months ago.

InsertWittyName

Squidge123 wrote: »

The present was definately worth it with was he's been through lately. I've created a new budget for November payday and just gotta try and stick to it and hope my wages don't get messed up!

Glad to hear it. In that case put it to the back of your mind and forget about it - it sounds like it's not even worth worrying about.

Squidge123

So I phoned this morning to ask for a claim pack because the HMRC site told me I was entitled to some Working Tax Credit. The woman on the phone went through the same questions with me and it now turns out that I'm not.

I am getting a refund of about £26 into my account because something I bought has broke so I suppose thats some extra petrol money there! Should be in my account by Wednesday. I'm making lunch to take to work with me today and the only money I will have spent is £10 on petrol.

Is it wrong to put some money in a savings account while I clear my debts. Me and the other half want to get a place together. I won't be debt free when we move but I will be in less debt if I concentrate and stick to my budgets. Even if I'm only putting a little bit away at a time at least that way I won't be in as much debt or have my debts getting bigger if I've got some money set aside.

Now I sound like I'm trying to justify things again! Anyways Pay Day Friday!

InsertWittyName

I would pay off debt than have savings. The APR difference alone is enough to justify this.

Squidge123

I know I think I'm just a little bored of being at home. I want something new. I have to rework my budget because I'm being transferred back to my store sooner than first agreed so I won't have the expenses to be helping me out. I have one final week and thats it. It's going to be a tough one but I'll have to cut back. At least I can go back to my £20 a week petrol usage - £80 a month is always better than £200!