Finally reaching out for some help...

kerri_dfw

Well W*cot have agreed to £90 a month repayments on the 1st of every month, result!
I've just tried to do my tax activation but the code doesn't work, this could be because I requested another code oops, hope it arrives soon as the clock is ticking.
I now have 7 packs of beans from lido at 99p for 4. I am either mad, or very sensible although I have found my digestion is better now I have been eating beans for a week so can't be bad. I'm craving takeaway food so going to make myself some Nigella chips I think yummy yummy.

debtfreewannabe321

oooh nigella chips sound yummy how do you make those! I wonder if i'm allowed them on slimming world

kerri_dfw

I mentioned them before, they are these ones. They're yummy. I'm going to do some carrots as well as they need eating up om nom nom nom nom. Although I really, really want sweet and sour chicken with egg fried rice, however my new veggie ways stops me doing this. I need to plan my bill payments for this month.
Right let's see:
IN
Wages: £1913.02

OUT
Purse: £80 (4 weeks at £20)
Groceries: £80 (4 weeks at £20)
Rent: £811
Car Ins: £34.34
Vet Ins: £26.07
O2: £31.88
2nd purse: £10
Emergency: £25
Pots: £158.75
W*cot: £90
Petrol: £100
Freemans: £460

Paid Using Vanquis to incur no interest
Freemans
W*cot
O2

Now this doesn't take into account that my season ticket has been fully paid for now, so I should get an extra £100 however this will go straight back onto train travel although hoping to be able to expense it with the new company. It also doesn't take into account any payments from my sister or from fleabay so I should be able to make a few more pennies this way. The biggest question I've got at the moment is whether I should pay freemen off knowing that I'll be a creditor down, however completely strapped, or should I put the money to one side and pay them off when I know I've been paid from the new company? I think I'll wait and see how much I get paid before deciding...

kerri_dfw

Morning, morning,
Well it was going to happen sooner or later, I've sent the wrong item to someone oops. Well the top said "cute" and the jeans were branded "just too cute" oops. Have told them they can keep the top and I'll send the jeans tomorrow. Nevermind, not like they're mine and I'm most definitely in profit at the moment.

I've just worked my bank account out and at the minute I can pay another £5 towards freemans, so I've done that and according to snowball I'm 6 months from financial freedom

It's almost time to order the kindler for the OH, I have £25 from SB, £23 remaining from mysurvey I owe £31 to the pot, and £8 on it's way from TCB. This means I need to put in £60 plus the £30 to buy the kidnle that the OH wants. I will have to run a tight ship this month if I'm going to buy it, but I did promise he could have it (I had been thinking he'd go for the £89 one though but this is his xmas present and I am only spending £10 over the required £50).

Ooh and I got an extra 500 points from SB last night so claimed the extra ama0n voucher starting to build up my totals again now.

Double ooh I found 2 first class stamps on the way home from work last night I never use stamps, but should I need to I have some now

Cherryjack

so amazing youve almost paid freemans off!! youve done amazing :-) Can i ask how wescott are? one of OH's debts have just been taken over by them..

kerri_dfw

Hello Cherry *waves* hope you and baby are ok. I can't believe freemans has almost gone, it seems only yesterday that I bought my tablet on there and now it's almost all paid

Wescott have been fine with me, first payment with them was delayed by a month in agreement with them, then I told them I couldn't afford to pay them £200 a month so they reduced it down to £87.50. Then I told them I could up it, realised this was not the MSE thing to do so called and now it's £90. But I've always called well before the payment date, you can pay through their website so you don't get d/d. They did try to SAR me this time but I told them I won't get paid in Feb, so they said they couldn't do that then Also no interest with them too yay. They also said not to overpay them, so will shove everything extra to everyone else and pay them off last

Well SM's really do faff us around don't they. I've just been looking through trying to work out the really decent deals using mysupermarket to record them on the front page of the 2nd purse thread and they change sizes, fiddle with prices, make something an offer when it's not. Down right hideous if you ask me.

Anyway, my day has been a NSD other than the PO of course I had my exit interview with HR even though I'm not leaving until 10th Feb. This consisted of ticking boxes saying why I'm leaving and then talking in hushed voices about this so noone heard us that may or may not have been listening in. HR lady was lovely about it all and rather nosey about my new job, but I didn't mind telling her the lovely perks I'm going to get.

Spoke to my sister and she said "Ooh I'll have paid you off about the same time I'll have paid off my boobs" so I pointed out that her faffing with payments added an extra year of payments, which she denies. She has about 29months of £50 if she doesn't up the repayments anytime soon *sigh*

Have given the OH a verbal kick up the behind about Canada and moving house, he's realised he's going to be really skint as they're not paying him for the flights until he returns. I offered him my savings which will be potted up by the time he needs them to borrow and pay back when student loan comes in but he came up with anyone but me to borrow money from, stubborn boy! He has now run off to sort out all the things I told him to sort out though

This evening is a chilled one, I shall not be going to the PO tomorrow as not enough people have paid me for fleabay yet. No need to package anything up tonight So I will have a chilled evening consisting of MSE and television

Cherryjack

Thanks hun, has really inspired me to pay my simplyb debt off :-) xx

brizzledfw

Hi

Good to have the newsy post..and lord your sis makes me laugh with her comment re her boobs..:rotfl: does she realise she's better than a soap??!

kerri_dfw

Cherryjack wrote: »

Thanks hun, has really inspired me to pay my simplyb debt off :-) xx

We can be catalogue free together

brizzledfw wrote: »

Hi

Good to have the newsy post..and lord your sis makes me laugh with her comment re her boobs..:rotfl: does she realise she's better than a soap??!

I was boring myself with all the talk of baked beans My sister should be her own tv show, she is a nice girl but she has a bit of a backwards view on things. It goes to show how much I've learnt from this site though, I was asking her today if she had a grocery budget, a weekly spend budget, or whether she used comparison sites for her groceries. She said she only buys the offers and will go to Mr A because it's "always cheaper". Although, I think she might be learning things off me as she said she's going to start looking for coupons. This was however followed by saying chicken + cous cous for 2 @ £5 was a good deal and the M&S 2 dine for £10 was a bargain....errr....

MSE evening for me, have been researching this weeks bargains to find any 2nd purse offers. Have updated that challenge thread with any I found and now need to go to Mr T for 3x big box of maltesers for a) fathers day b) dads birthday c) dads xmas present. Also need to go to Mr S for tinned pulses in water @ 5 for £2 but there's a price glitch.

Dinner tonight was another batch of homemade nigella chips to finish off the boiled carrot & potato I made too much of last night. I also gave my housemates dogs a shower each as they were smelling rather doggie. That's about it really, other than a good dose of TVD

I'm dreading payday, I'm calm, collected and in control of my money now but there's always that inclination to go mad when I have a large sum of money come in as I just want it gone and out of my account. Not sure where this idea came from but it's definitely the binge/purge psychology. I'm really hoping that the weekly spend challenge and the grocery spend challenge will kick this out of me this month and I won't be living from one payday to the next anymore. Fingers crossed!

hp48910

Morning, Have you seen this week's updat £10 off Kindl from Mr T Direct:j Not sure if you planned to buy with Amzon vouchers tho. I used this code at Christmas for my DD's kindl, just though I'd mention.

Try not to worry about payday. Although I feel quite similar! It's amazing how long the month drags when you're waiting to be paid and then how quickly it takes to allocate all the payments re debt:eek: I can do this in a matter of minutes usually.:rotfl:Be strict with yourself to resist temptation but also leave yourself some in the pots for spends and emergencies, I'm sure you've got that covered anyway. The best bit after making the payments is adjusting the spreadsheets, so keep that in mind if you feel the urge to splurge. :rotfl: