Blinded by the LBM...!

Skintfoodie

Hope they all do pull their weight from now on then!

ani*fan

Hi there Beencounting :wave:

I've just read your diary from the start and wanted to say congratulations on your progress and thanks very much for the motivation. You're doing great.

I'm also buying lots of train tickets at the moment for a course I do one day a week. It really is worth shopping around online for cheap tickets. The earlier you book them, the bigger the discount. I've also just discovered you can buy train tickets with t3esco points. And £10 of points = £30 of train tickets. Not sure if you can spend the points on any old tickets but am planning to look into it myself when my points arrive.

Anyway, well done on keeping going. I'm fairly new to this too and it's not easy is it? But we will get there.

AFx

Beencounting

Hi Ani*fan, thanks for popping in

I can't believe I'm motivating others, but if I am, then I'm really pleased :jit makes it all a bit more worthwhile .

I think I'd seen something about the tesc0 points and train tickets, but haven't got round to checking it out as yet. I think I'll put that on my list for today. I don't get a great deal of points as I rarely shop in tesc0 (it's too expensive!), but I seem to pick up a few each quarter and this would be a great way to use them...thank you .

Been

Beencounting

Skintfoodie wrote: »

Hope they all do pull their weight from now on then!

Thanks Skintfoodie, I'm going to have [STRIKE]nag more[/STRIKE] be more assertive, to make sure they do :)

Beencounting

Update from yesterday:

Beencounting wrote: »

Things for this week that come to mind are:

• Renew train ticket for a week (I'm on leave next week :T) - done
• Sort out DS' bus fare reclaim, must do it this week
• Cancel mobile phone insurance - done...what a pain, they just keep trying to sell you other stuff :mad:
• Food shop (today, budget £37.75 :eek:) - done - overpsent again - £50.83. I'm going to have to review the budget again
• Update spreadsheet
• Keep fingers, toes, arms, legs, eyes crossed that the insurance refund cheque arrives this week

So, b/fs and to add today:

• Sort DS' bus fare reclaim, GET THIS DONE BEEN :eek:
• Check bank and update spreadsheet, adjusting for food overspend
• Continue to dream of receiving insurance cheque
• Check out Tesc0 rewards re train fares

Been

scotdebs

Hi Been

Just wanted to say well done in keeping so positive and making steady progress on the plod that is DFW!. Am with you on the grocery spending find it a real struggle sometimes - but am making a real effort for the rest of this month (OCtober budget well blown by now) and I am DETERMINED to stick to it in November.

Hope the cheque arrives soon I was in similar situation with Inland Revenue recently even when it arrived I didn't dare believe it until it had actually cleared my account!

Hope the family stick to their promise to help you out:D

Beencounting

Quick update, just to make things worse, we've spent another £9.45 on food this lunchtime on things we couldn't get in Lidls yesterday . I'm going to have to do some work on the budget this evening ...*sigh*

Been

ETA - also had to shell out £5.50 for Xmas party deposit and then on arriving home, £2.70 to DD for fitness class...never ends I'm off out (Av0n appointment) in a few minutes but when I get back later I'll do a full update.

Beencounting

scotdebs wrote: »

Just wanted to say well done in keeping so positive and making steady progress on the plod that is DFW!. Am with you on the grocery spending find it a real struggle sometimes - but am making a real effort for the rest of this month (OCtober budget well blown by now) and I am DETERMINED to stick to it in November.

Hi Scotdebs

I'm really struggling with our food budget . I suppose it's partly because it's a five-week-month and also cos we're trying to get used to a reduced budget. I will need to review for next month as otherwise I'm going to be constantly overspent .

Been

Beencounting

Beencounting wrote: »

[*]Continue to dream of receiving insurance cheque

I'm still dreaming :rotfl:

On the plus side though, there was some good news in the post - I've received an unexpected statement from Nationwide for an account I'd forgotten about. There's only £8.68 in there, but I'll be finding out tomorrow how to draw it out so I can pay it off the CC

OH has also traded in DDs old phone, we could get £22 cash or £24 Arg0s vouchers. We've gone with the latter as we need a microwave. Ours blew up in July and we've been wanting to replace it for months. I'd worked this into the plan for next month, so this is a bonus .

Been

Beencounting

Well I've just had a look at the Tesc0/train ticket offer. For £10 of vouchers, we can get £30 of train tickets. The downside is that it doesn't look like you can buy season tickets, so it's the daily cost.

My weekly season ticket is £20. The equivalent cost in vouchers is £10 as it would cost £27.50 for 5 x daily tickets. In cash terms, the cost is nil .

I think this would be a good way to use the vouchers at this stage in our debtfree journey, as the cash saved can be re-routed to the CC .

It will have to wait though, as I currently only have £6.50 in vouchers .

Been