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We are about to pull the purse strings soooo tight! - Page 3

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We are about to pull the purse strings soooo tight!

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • Alice, well done for the NSD's and taking control so you dont get late payment charges. Let us know how you get on with Sky as I may give this a go, asked OH if he could do without the sports and did not get a positive response so need to do something.
    Loan £19,728 £16,724.49
    CC1 £14,273.81 £13,311 @0%
    CC2 £10,056 £9369
    CC3 £3,682.73 £4,893.06
    Overdraft £3,500 £0
    Starting Jan 20 Total Debt £51,239 July 20 £44,297 DFD May 2023
    Mortgage £248,011.94 £244,920
  • A quick suggestion re packed lunches - I have loads of flapjack (just costed this at 6p per piece) and cake in the freezer which defrosts by lunch time, meaning it doesn't all get eaten in one go. I have also done this with pizza slices - Jamie Oliver's pizza dough recipe costs about £1 for what I made into 10 medium sized pizzas (8-10 inches across). With a tomato sauce (onion, two tins of tomatoes, tomato puree, herbs - £1) and some cheese (call it £2) and a couple of other cheap toppings (Aldi pepperoni is 80p a packet, peppers and mushrooms are often in the bargain bin) you could add a quarter of a pizza to each packed lunch for about 15p a time (and I am being very generous with the costings!). Much more filling and better value than crisps etc and the kids will be pleased!
  • Alice_in_PoorlandAlice_in_Poorland Forumite
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    Well I didn't have a NSD (as I knew I wouldn't) but did only buy the essentials which is good for me :)

    On the plus side have just called Sky and have got £15 per month knocked off the bill which is great (I know is should go altogether but!!!).
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £4077, [email protected] £0 ,Ybank £2300,Virgin/MBNA £0,YB1 £0, [email protected] £0, Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD not sure at the minute!
  • mummytogirlsmummytogirls Forumite
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    Hi Alice,

    Just caught up with your diary! Well done on reducing Sky, ive done this a couple of times one after the other!!!
    I know what you mean about it should go but more often than not its your only luxury isnt it!!!

    Well done on starting your journey :T xx
    Mummytogirls x

  • Alice_in_PoorlandAlice_in_Poorland Forumite
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    Nearly the weekend :T

    Looking forward to getting some bits and pieces on Ebay this weekend. Haven't had any calls re the furniture I put in the local paper which is a pain. Oh well I will put it in again next week, slightly different description and my mobile number instead of home. you never know!!

    The food cupboards are looking a bit bare but I have had lots of great tips on here so hoping to keep the food bill.

    Oh back to work, just nipped on during lunchtime. So far another NSD.xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £4077, [email protected] £0 ,Ybank £2300,Virgin/MBNA £0,YB1 £0, [email protected] £0, Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD not sure at the minute!
  • Alice_in_PoorlandAlice_in_Poorland Forumite
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    Well didn't manage a NSD yesterday.

    The boys were 'starving' after football training so we called in at the chip shop on the way home and got 2 portions of chips to share when we got home. So chip butties all round. Not ideal I know but although things are very tight I feel I shouldn't let the kids feel the pinch too.....and anyway it's not like we get fast food every week.

    We've had a very busy and productive day. The boys had football matches this morning, have cleared all the leaves (what a job!!), housework done (nearly), all the washing has been done and nearly all dried, the dog has been out for a good run and have written a food shopping list.

    I've checked the cupboards so I will only get exactly what we need, and have meal plan for this week. I'm off to the supermarket in a bit so hopefully will get some bargains.

    On the finance front I contacted the loan company today as I cancelled the DD that should have gone out on Thursday and apparently as long as I pay it in the next 10 days that should be OK. I have still got to speak to the car finance company but they weren't open this afternoon when I tried. Hopefully after this month we will never have to miss a payment again (fingers crossed).

    Oh and the weight front have lost 3lbs this week only another 3trillion to go.LOL xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £4077, [email protected] £0 ,Ybank £2300,Virgin/MBNA £0,YB1 £0, [email protected] £0, Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD not sure at the minute!
  • Hi Alice,

    Really enjoying this diary - Thanks to all for the tip about Sky - I will call them on Monday and give it a go myself.

    Thanks
    Lee
    Current Debt (Nov 2011): £24,800
    My MSE DFD: - An Entrepreneur In Debt
  • Alice_in_PoorlandAlice_in_Poorland Forumite
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    Thank you Lee and good luck with the Sky. Apparently to new customers Sky are offering broadband, telephone and TV for £27.50 per month so I'm thinking I will give them another call next week.........cheeky or what but I'm on a roll at the minute.xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £4077, [email protected] £0 ,Ybank £2300,Virgin/MBNA £0,YB1 £0, [email protected] £0, Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD not sure at the minute!
  • Our petrol costs are not as easy to reduce, but on a good note the work mate my OH gives a lift to is going to give him £10 per week which will help.

    Great start - I've given lifts to people before .... they seem to come in 2 bunches - those who straight away offer money and those who just think you'll happily take them all the time & don't even offer.

    I find it hard to broach the subject with the latter group but, at the end of the day, they are saving £x amount (say £30/week) on the bus, so it's entirely fair (IHMO) to give you say £10 for fuel.
    Well I didn't have a NSD (as I knew I wouldn't) but did only buy the essentials which is good for me :)

    On the plus side have just called Sky and have got £15 per month knocked off the bill which is great (I know is should go altogether but!!!).

    Excellent - how long does this last?

    If 6 months, make a note to mark it on next years' calander (when you get it) to call them a couple of weeks before this runs out.
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • Alice_in_PoorlandAlice_in_Poorland Forumite
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    Thank you rising from the ashes. Yeah I agree with you with regards to people chipping in towards the petrol costs, like you say not easy but has to be done and £10 will certainly help.

    With regards to Sky this reduction is for 12 months but I think I am going to call them again just to see if I can get any more taken off. It is our only 'luxury' item at the minute.

    The trip to the supermarket went OK, spent a little more than I wanted to but did only get the things on the list.

    We've got somebody coming to look at the furniture tomorrow so fingers crossed, and I'm going to have an ebay morning tomorrow. I have't put anything on ebay for ages, I always find it so stressful, fretting about feedback etc. lol xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £4077, [email protected] £0 ,Ybank £2300,Virgin/MBNA £0,YB1 £0, [email protected] £0, Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD not sure at the minute!
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