Blinded by the LBM...!

Beencounting

Thanks for the support Bonn & Briz , it's such an uphill battle when the interest keeps knocking you back , but we're all going through it I know.

I'm tired this evening and will be heading to bed in a mo, but given my disappointment with current debt-busting progress, I'm going to set myself a mini target of getting the target card below £700 by next statement date. This will require that I make payments of at least £86 to allow for the interest that will be applied, but to make it a stretch I'm going to set the target at £100.

I'm going to track this in all my posts till next statement date (24/4) like this:

CC Mini target to 24/4 - £0.00/£100.00
'See' you folks tomorrow...

Been

Beencounting

I haven't posted for a few days as I'm just basically in limbo waiting for payday to arrive . Roll on Friday.

I've pretty much avoided spending up until today, but now it's all gone pear shaped . Things are carp in work and I'm miserable, so just been to B00ts and spent about £15 :shocked:. It's nothing extravagant, just face wash, spot cream (have a mega breakout, think it must be the stress ) a drink and...chocolate...I'm supposed to be dieting .

No real news to report, just felt like a moan !

Been

CC Mini target to 24/4 - £0.00/£100.00

debtfreewannabe321

same here hun pay day on friday and just 'waiting' ! can't wait to make my next dmp payment and see my debt decrease

Beencounting

Well it was payday yesterday and a shiny new month of debt busting has started :j

I've just made the minimum (£22) and an overpayment (£3) to the target card, so first payment of the month of £25 . Planning to do lots more overpayments to the target card this month .

I'm having a lovely lazy morning, just surfing the diaries, looking for inspiration, but at some point I'm going to have to make the effort to drag myself off the sofa and have a shower . Things in mind for today/tomorrow are:

C0stco shop this afternoon
Peruse April budget s/sheet looking for more areas to trim
Prep mealplan for next week
Frugal 4sda shop based on mealplan
Check cash spends
Decide what to buy from SP

DD will be home from Uni this evening for a whole month :j:j, so we're going to treat ourselves to a chinese, so looking forward to that.

Hope you're all enjoying your weekends .

Been

CC Mini target to 24/4 - £25.00/£100.00

Beencounting

Didn't get to C0stco this afternoon, but have been to 4sda. I've spent £73, but that includes some offers I've bulk bought, so will be used later in the month.

When I got back home, noticed that I'd been overcharged for bananas - they had YS bags at 10p, some of them are quite bruised, but for 10p I thought I'd take a chance, but I've been charged by weight making them 80p . I've tried ringing the store, but there's no answer so will have to try again tomorrow.

Also annoyed that the offer on the 22-pack of crisps seems to have ended so I've been charged full for 2 x 22 packs...nearly £9 :eek:. I think I'll take these back as I wouldn't normally spend that much on crisps in one go.

Been

CC Mini target to 24/4 - £25.00/£100.00

Beencounting

Quick update just to report spends:

£2.44 - Sainsbugs, various groceries
40p - to SP for drink
£2.84 Total

Cash in hand = £18.44, of which £5 is for DD2 for lunch money, bringing it down to £13.44 in hand to last til Thursday.

I've just paid an extra £5 to the target card , bringing my mini challenge to:

CC Mini target to 24/4 - £30.00/£100.00

Also just claimed my £5 voucher from 4sda from the promo for £5 off a £40 shop .

Been

choclover

Hi Been,

Just wanted to say that I've been reading through your thread, although I've not yet got to the end, but I just wanted to wish you luck on journey!

Beencounting

choclover wrote: »

Hi Been,

Just wanted to say that I've been reading through your thread, although I've not yet got to the end, but I just wanted to wish you luck on journey!

Thanks for dropping by Choclover (love the name!), hope I don't bore you to death !

Update on the banana overcharge - took the bananas and receipt back to 4sda and I was given my full 80p back, so they ended up being free. The SA thought that was it, but I asked where my £2 voucher was as per the overcharge policy, "oh" says the SA, "so you want that too? You've already got the bananas for nothing."!!! Needless to say I was not best pleased, but she did give me the £2 voucher. I really don't understand SAs, if the policy is a £2 voucher, what business is it of theirs to do something else and leave the customer feeling less than pleased? :mad:

Beencounting

Spends update:

£5.00 - for school photo
£4.54 - B00ts for tissues, cough med..DD has a cold
£3.09 - local Sp4r bits n pieces, incl 2 x DW powder reduced to 79p each
40p - SP for drink
£13.03 - Total :cool:

In hand: £5.41

I've just made another little £3 payment to the target card, so currently:

CC Mini target to 24/4 - £33.00/£100.00

Slow but positive progress being made .

Been

Beencounting

Happy Easter everyone! :icotbaske

In MSE fashion, we haven't gone overboard with eggs, each of the 'children' have two eggs (the T3sc0 offer of 3 for £2.50 ) from us. Not sure if there'll be more from their grandparents, but no biggie if not.

It's not been a good week money-wise. My laptop died earlier in the week and we couldn't revive it , so I've now got a new-second-hand lappie, which was £120...all unplanned :eek:, and then yesterday the kettle stopped working . Luckily I had a couple of vouchers for 4sda, so I only spent £8 replacing it .

I haven't been able to check my spreadsheet since getting my new lappie as it needs the software put on. I'm waiting on OH to do this for me, although tbh I could probably do this myself. I want to make another payment to the target card, but don't want to do this until I've updated my spreadsheet.

CC Mini target to 24/4 - £33.00/£100.00