lilmissmup - 2012 - return of the debt free diary

lilmissmup

Another weekend nearly ended and I am much skinter due to it!

Friday night I was round my friends hen night planning for our best friends wedding, we are off to Birmingham the weekend before the wedding for drinks and a meal and maybe something else.

Yesterday I met the "bride" to do birthday shopping for my friend who I was with Friday night then me and Simon went to see the new Johnny Depp film and had Nandos for dinner.

Then today me and Simon took Cara to the London Pet Show where we cuddled lots of dogs and cats!

As of now though I have £16 left in the bank, and £18.50 to come off my bank card so thats minus £2.50 :eek:
I have £12.20 in my purse to last me £11 days and that has to include a night out on Saturday though.....mmmmm think I might have to borrow £50 back out of the £500 savings I put away this month!

I have claimed £10 in Amazon vouchers from Nectar and am nearly at another £5 from Swagbucks though so thats positive news!

I am not sure how much I have put on my Tesco credit card though this month....:cool: whatever I have put on it will have to get paid off next pay day though!

We also still need to sort out airport transfer, holiday insurance and holiday money in next couple weeks and I have to book the hotel for my friends wedding before it gets booked up!!!

lilmissmup

So only 5 days until pay day and it can't come quick enough!

I managed 5 NSDS this week as was on a work course for 4 of them with a free lunch! I had a hot meal and pudding every day, must have put on a few pounds!

Yesterday I got my hair cut which cost £91!!! And spent £24.50 in Primark, both went on the HSBC credit card but I have just had a statement through for that so won't need to pay this off until June payday

Not sure how much I have spent on my Tesco card though, that will need clearing this coming payday, just tried to check but their online banking is down.

I went out for my friends birthday last night but left town by 11.30 as I have a horrid cold and was shattered and skint, only had £15 to play with anyway! Now have £4 left to last until payday. .

Been putting any £2 coins I get into the terramundi though, I have had it nearly 2 years now and only about halfway full though. Am determined not to open it until its full though.

Claimed another £5 amazon from Swagbucks the other day, Christmas fund is over £100 now which is good.

I need to update my debt total though in my signature as its nothing like it says, its about £900 more....:o

Today is going to be a NSD as I am feeling rough so not leaving the house, about to make a half hearted effort to get dressed into a t-shirt and trackies and start on some more college work, though if I am rough I won't be going this Tuesday, on another training course Tuesday with work too!

Only 13 days until holiday, I am not overly excited about it though, I need to get the insurance and transfers and monies sorted!

lilmissmup

Not a happy bunny today my cold has turned into an epic horror and I am currently at home losing wages and I also am panicing that I will have to pay work back for the training course I should be on today, thats £185 I really dont want to pay! :eek:
I am hoping they will be understanding, I only slept for about an hour last night and am desperate for sleep now but everytime I lie down I cough or can't breathe properly

On a positive note I won £50 today on a bingo site so when that clears I can pop it in my savings. If I go back to work tomorrow that means I only have £20 shortfall from being off today....unless I have to pay for the course but if I feel like this again tomorrow I will be stuck at home again!

Missing college tonight too now

We finally had our mortgage meeting last night too so as of about now I should be being credit checked to join the mortgage! :eek:
Plan for rest of today is try not to panic about being off work and money, try make £20 and get some sleep!

lilmissmup

So yesterday was payday and its nearly all gone already!!!! :eek:

This is because of our holiday next week. Have purchased 500 euros which cost £408. Am hoping we don't spend it all as hotel all inclusive but you never know!

Put £250 into my savings, will need to move it into the regular saver when I come back off holiday but would rather earn a few more pennies from being it in the savings than sat in my current account for 2 weeks.

After all bills go out I have £89 to last until next payday.....:cool: and that doesn't include my 2 credit card statements.

I am due my holiday payout from expedia of £109 from TCB just after we come back from holiday, am praying it comes through as that means I can survive the month!

Was a naughty girl and put another £50 on my Virgin Credit Card today on 2 sun loungers from Argos as well.

Luckily all my debt is still 0%, my virgin card purchases rate ends in August so will need to focus on clearing that then!

I am not very happy bodywise at the minute, have not managed to eat healthy at all for the last few weeks and am having bikini phobia for holiday.

Currently weighing in at 9st 1.5lbs so am aiming to lose at least 2 lbs this week to get under 9st before we go.

I know it sounds a small amount but I am only 5ft 1 and it all sits on my stomach, I do look like I am 3 months pregnant most of the time at the minute.

I did want to rejoin the gym for summer and am thinking of getting a slendertone too as its the wedding in just over 4 months and defo want to be down to at least 8st 7lb then, wanna look like a hottie in the pictures.

I am due to see periodontist again end of June. Been having my "horrid" teeth woes again last couple of weeks too......man I need some self esteem

Off to have a bath then will look into updating my debt total on my signature.

lilmissmup

Oh dear just updated my debt total and its even more than I thought!

Luckily its at 0% but I still need to get a grip on it.....

I only have a few weeks left at college until September so that means 3 months to go super MSE and earn some pennies.....want to raise a £1000 over Summer.....let see if it can happen!

In good news I emailed my tutor the other night to say I was too ill to go, just read her reply saying overall my work is extremely good!

I need to amend one piece slightly for her but thats it although I am still behind on the latest assignment....need to try finish some more of that today and tomorrow!

6 months to decide to apply for the degree.....then will be mega skint if I do!

lilmissmup

Wooooooohooooo I am on day 1 of 12 days off work! :j:beer::j

Had a bit of positivity on the money side, my nan has given me £100 for my holiday so I have used that to pay off the £100 that was on my Tesco Credit card from last month saving me only paying the minimum payment and paying any interest!

So thats a relief to me. My Dad also paid £33 into my bank in spare change he had but I have managed to waste that

The tesco card was my one worry this month though. I won't be buying anything else on any of my credit cards this month though unless we have a holiday emergency though....although actually I have to pay the £50 for the suitcase still....:cool:

So today I have been earning some swagbucks and need to do some housework as Dad is looking after the pets whilst we are away and as hes been allergic to cats since I pet sat my friends cat a few years ago I need to try minimise the fur in the house. I am sure any cat owners will know how hard that is!

Got a few things to do today so will write a list:

• Ring guide dogs for the blind as I have sponsered a puppy for Cara and they think her name is Carla.....
• Ring Animal Friends Insurance and get them to re-send my documents as I have deleted the email with them on and I need to chase my TCB claim as its tracked at 1p.
• Book suitcase into plane
• Find an email address for hotel or phone them to say we won't be landing until 12am so won't be at hotel until about 1am as our room is apparantly only guaranteed until midnight even though they have my cash? :cool:
• Clean house!!!

lilmissmup

Just about to haul my butt out of bed but just worked out all my finances again and I have £59.50 to last me until payday after I come back off holiday ...... thats not including paying off my Virgin card minimum payment that will be about £35.....mmmmm ha ha ha!!!

lilmissmup

Well I am back off holiday!

Had a lovely week, am nice and sunburnt, kids had a good time and I only put on 2lbs!

Aunty Flow decided to arrive a week early again and ruin last 2 days of the holiday and I got grilled at immigration for going through security at Luton Airport at 3am this morning by a woman who obv thought I was a child smuggler as Lucas walked up to the desk with me not his dad....:cool: but apart from that was all really good, I won't be looking after them though at the airport if we go away together again as I felt proper upset after that (prob hormones not helping either).

We only spent 165 euros out of the 500 we took so should have £135 roughly when we transfer it back, that will be going off one of the credit cards and hoping my £109 from TCB arrives this week too to go on another credit card!

Got the bill today for next years college course, have £757 to find....yay!!!!

Will do a proper post tomorrow (or maybe later) as need to start on my 3 month summer plan!

lilmissmup

So only 2 days of holiday left....lots to do!!!!

• Ring guide dogs for the blind as I have sponsered a puppy for Cara and they think her name is Carla....
• Ring Animal Friends Insurance and get them to re-send my documents as I have deleted the email with them on and I need to chase my TCB claim as its tracked at 1p. (Yes I should have done these two before the holiday)
• Move guinea pigs into the hutch outside (been living inside since October)
• Amend 2 essays for college for remarking
• Write 5 new essays for college :eek:

Realistically I am not going to get all the college work done before tomorrow but I do want it all done before next Tuesday as thats my last lesson for 3 months and really want those months off to focus on the house and earning some extra pennies too as I think next years work is going to be even harder! :cool:

I have updated my savings total too Debt total needs updating again but I don't wanna do that, its not gone up by much but still gone up.

Tesco are delivering an order this morning so time to chuck some clothes on and get cracking.....

lilmissmup

lilmissmup wrote: »

So only 2 days of holiday left....lots to do!!!!

• [STRIKE]Ring guide dogs for the blind as I have sponsered a puppy for Cara and they think her name is Carla....[/STRIKE]
• [STRIKE]Ring Animal Friends Insurance and get them to re-send my documents as I have deleted the email with them on and I need to chase my TCB claim as its tracked at 1p. (Yes I should have done these two before the holiday)[/STRIKE]
• Move guinea pigs into the hutch outside (been living inside since October)
• Amend 2 essays for college for remarking
• Write 5 new essays for college :eek:

First 2 things on list done including lodging TCB claim and Tesco has been delivered and packed away. I have started one essay which I plan to have finished within the next hour, the one I wanted to do next I can't do until my tutor emails me back as I don't have the criteria sheet anymore and its not on the college intranet site.... so will have to jump to next assignment then back again! :cool:

Its tipping it down outside, wanted to maybe go and see my Dad today but not sure I have time with all this college work and rain, maybe tomorrow....