£25,000 to clear. Ready...steady...GO

Shower-of-roses

Redspottedhanky.com is a website to buy train tickets. However, you can treble your tesco points to make an evoucher in order to buy rail tickets via this site. Really useful to me as I need the train a fair bit.

Beencounting

banwa wrote: »

Good Things about today and yesterday :j

• Got taken out for a lovely meal with work for free.
• Reduced overdraft by £200

Bad Things about today and yesterday:exclamati

• Really having trouble getting payment from part time job. Let's see how today goes. Told him I wouldn't work tonight if he didn't pay up when I arrived. Wondered if I have the balls to go through with this threat

Congrats on reducing the overdraft that's a really positive move.

Sorry to hear you're not getting your pay from your p/t job. That's outrageous! Do you know if he has cashflow problems or is he just a bad payer ?

Been

banwa

Beencounting wrote: »

Congrats on reducing the overdraft that's a really positive move.

Sorry to hear you're not getting your pay from your p/t job. That's outrageous! Do you know if he has cashflow problems or is he just a bad payer ?

Been

I think he is just really disorganised. But unbelievably, he had the money ready when I arrived tonight.

:jI HAVE BEEN PAID:j

Knitting_Nora

banwa wrote: »

:jI HAVE BEEN PAID:j

:T:T:T:T Yay!! :T:T:T:T

Beencounting

banwa wrote: »

I think he is just really disorganised. But unbelievably, he had the money ready when I arrived tonight.

:jI HAVE BEEN PAID:j

Excellent and what a relief!

banwa

So better log my spends now for last week

w/c Sun 30th Oct
Sunday - (carboot) - books x 4 £1, glasses x 4 £2.50, woollen mittens £3, pumpkin £1- total £7.50
Monday - NSD
Tuesday = NSD
Wednesday = £1.26 coffees at work Christmas shopping £12.85 + £18.97 . £30 diesel £6 petrol
Thursday - £1.05 pop and crisps at work
Fri - £3.25 'Friday sandwich'
Sat - NSD

w/c Sun 6th Nov
Sun
Sainsbury - Toiletries and cleaning £20.26, nose hair trimmer £7.99 (for Mr Banwa, might I add), Christmas and birthdays £4.68, groceries £44.21
Aldi - alcohol £10.07, Toiletries and cleaning £4.38, Christmas and birthdays £3.57, groceries £28.48
Christmas shopping online (£42.50 +£3.99)

Lots of detail though but interesting to see how much we spend on toiletries and cleaning. We must be very smelly people indeed to need to spend this much

rising_from_the_ashes

Hi Banwa, just popping in to see how you're doing - well by the looks of things!:D

I too have a "Friday sandwich" - it's a bit of a treat after taking HM all week but the main reason is that I've usually run out of stuff by then and if I open more just before the weekend it gets wasted!

Glad you've finally been paid & well done on getting the OD down a bit:)

banwa

rising_from_the_ashes wrote: »

Hi Banwa, just popping in to see how you're doing - well by the looks of things!:D

I too have a "Friday sandwich" - it's a bit of a treat after taking HM all week but the main reason is that I've usually run out of stuff by then and if I open more just before the weekend it gets wasted!

Glad you've finally been paid & well done on getting the OD down a bit:)

Thanks RFTA. Where have you been anyway? I haven't seen you for days.:D

The Friday sandwich was ridiculous. It was meant to be a turkey sandwich. It was more like A Turkey in a sandwich; I have never seen so much meat. Ate it all though:whistle:

Today I spent £63 on a gift for someone that I now know I can get £115 for on ebay. So thinking about flogging it now. Not sure, it feels a bit wrong somehow. Would I then have to declare the profit and pay tax on it? Might be a faff for the £40 or so that I would make after fees. What would you guys do?

Not a lot of other news. A bit disappointed with that really. Not in a position to make many overpayments before Christmas. Feels like I'm in it for the long haul

666paw

Hi Banwa

The sandwich sounds like the ones we get at a butchers near me. Small are £3 & large are £3.75. They always fill them really well and if you go just before closing you get even more. They also do sausage and onions whirls are they are fab.

Glad to hear the debt is going down, never know I may do one myself some day.

666.

banwa

It is going down a bit.:j Did a bit of totting up and realised we had cleared over £800 so far. Considering that we have paid some balance transfer fees (around £200) and have paid for a fair bit of Christmas shopping, I am well on track with my budget.

So have had a thoroughly enjoybale few hours updating and tinkering with my spreadsheet.

If we lived like saints for the next 14 months (until December 2012) we could have the overall debt down to around £8k. If I gave myself £100 spending money per month (that I could spend on clothes or on the house or having a meal out), the debt would be at £9500 by next Christmas. Should I give myself that leeway, in the hope that it will make me more likely to stick to it? Or do we live a joyless life so we 'feel the benefit' when we are solvent?


Choice

• £1100 per month on debt + enjoyment = DFD September 2013 (result happiness?)
• £1200 per month on debt + austerity = DFD July 2013 OR (result misery?)