The way I see it...

mrsb83_2

Taylo wrote: »

Hey mrsb83!

Thanks for following, I think PAD is a great idea and I will check in on that thread for sure. I have managed to do a bit of online banking this afternoon and transferred yesterday and todays payments, £18 to holiday money and £2.96 to the debt pot. This means the B&Q stuff is down to £90.15 which is progress at least!

Well done! A little bit every day and that £90 will be history!

Taylo_2

Afternoon!

I need to hold off on my update today until a little later on as I think I may have to shoot to view a possible venue for my wedding reception after work tonight, it is a pub so there is a flashing red danger light for potentially spending some of my daily allowance! Fortunately, or unfortunately depending on how you look at it, I have stayed largely alcohol free so far this year, I seldom have a drink and am even less likely to have a drink during the week, so hopefully if I can stick to that I will have a bit more to switch accross to the various pots later on.

On a not so positive note I did my tax return as I did a little bit of ebay trading as a business and have a tax bill of £285 that I wasn't planning for, I was expecting it to be around £15! Apparently my work didn't take enough student loan of me during the year and I therefore underpaid. It never quite works out the way you want it does it?!

Nevermind, too easy to stay under a dark cloud with that kind of thing so will just have to take it on the chin and add it to the list of things to pay for....

Taylo_2

Managed to survive the pub without spending, OH kindly paid for some food there as well (it was her turn anyway!). So putting the £9 accross to holidayt money and the £1.48 to the debt pot - will update sig as well.

Squidge123

Well done! You're doing well

Taylo_2

OK so today is the fourth no spend day in a row this week which is pretty good I think, so I am transferring another £9 to the holiday money and £1.48 to debt. This is working really well so far this week as OH and I have been busy without having to go out really, if only all weeks were as easy then maybe I wouldn't be in this situation in the first place! Have been getting really hungry towards the end of the day this week where I would normally pop out and get a bag of crisps or something but my willpower has held out! Going to be ebaying over the weekend as we are trying to clear the house out a bit as well as increase the money in our wedding pig, it is mostly clothes at the moment but will probably get on to some DVDs eventually, some of the money I earn off my stuff though I will be diverting to the debt account.

Hope everyone else is doing ok today.

Squidge123

Well done on the 4th NSD. You're doing really well and it's good seeing someone being so successful

Taylo_2

Thanks Squidge123!

Spent £4 on a sandwich on friday as was at a work meeting and forgot to take anythuing with me. Decided that would put the rest of my daily money in the debt pot so adding £6.48 to my total. I'm at my folks place this weekend so hopefully can cope without spending too much if anything!

mrsb83_2

Hope you had a good and thrifty weekend! No spend days have never worked for me but I'm glad to see you doing so well with them.

Taylo_2

Ok weekend not quite as spend free as I would have liked, had to buy some petrol and a couple of bits for OH on way back from parents place so ended up spending both Saturday and Sundays money and most of today's as well. Left with £1.54 from today which I have transferred to the debt pot, I know that I have to pay for a US VISA this week as well so the little payments may take a bit of a hit to allow for this, but aside from that it should be a relatively cheap week. Must remember to do my tax return today though!

Taylo_2

Well tax return was done in time, had to pay £285 for the tax and a fair amount of student loan that my employer failed to deduct from my salary that year which was a real kick in the b*lls. Unfortunately that has been added to the credit card balance so will have to form another entry on my debt killing project. Paid for the US Visa's for me and OH which was about £8.88 each so £17.76 which takes up the bulk of yesterday's money and today's as well, should leave £3.20 which I shall send over to the debt pot later today so long as I don't spend it on other things, should be able to behave today as have got lunch sorted and no real intention to go anywhere else during the day as it is far too cold for me!

How is everyone getting on? What are you upto today?