Clippy's 'the final debt' diary

clippy_girl

hmmm dont really think the title of my diary is accurate anymore!

so another day off today :j

plans are to-
clean ensuite and dust bedroom
weed front garden
hang out washing
wash living room window
check gas and elec readings and submit online. if im in credit will call and try and reduce dd
call to change council tax to 12 dd instead of 10 (why do they make me do this grrrrr. paid in 12 dd last year and not notified i wanted to change so annoyed i have to ring up!:mad:)
sort out ni exemption
call co op membership to see whats going on as not received any payments from them in the 11 months since i joined and as my mortgage is with them i should have about £100 (they pay twice a year so not sure when)
have bath and wash hair
do nails
do audit at supermarket
go dancing tonight

that should keep me busy

got £7 of weekly spends left :T this week friend is coming to book stuff for hols but we are just going to cinema so hope to have some of this weeks left as well

clippy_girl

so got most of list done. also watched a film and made soup.

didnt realise that my last horific energy bill was estimated. entered readings today and i am £40 in credit

called them up to reduce and she advised it has automatically recalculated to £58 per month and the £40 has been repaid to my bank account :j so dd is reduced by £25 a month! think thats a sensible amount as in the last 3 months i used £70 month and that was with heating on so think i should still build up credit by next winter. will try and ensure i enter readings once a month to make sure thats enough.

the £40 will go in excess spends account, prob used to pay for walking boots.

is it sad that i am looking forward to my water bill since jan have cut down baths from 6/7 a week to 3 as only have one when washing my hair (i go gym 6 times a week so shower there before you all think i am stinky )

re co op that was a useless call. found out that i just missed last payment but should get one in june for last june to dec. as all my points are from bank acc and mortgage they are not showing on my account yet and will be added nearer the time so dont know what i will get! think i will get £58.50 for my mortgage as it works out £1 per £1000 you owe (so £58.50 for 6 months). no idea how the bank account works though so that will be a suprise!:p

joined a bingo site fri and deposited £10 and my £35 (!!!) cashback has tracked :j think will work my way through the list of sites on quidco!

clippy_girl

excellent news!!!!! was playing my free joining credit on bingo and i won £360!!!! :j:beer::T

so i deposited £10, got £35 cashback and won! had to spend £20 of it to play through the joining bonus but was able to withdraw £340 :T:D:j

will use it for my boots then rest to mum :T

gallygirl

clippy_girl wrote: »

excellent news!!!!! was playing my free joining credit on bingo and i won £360!!!! :j:beer::T

so i deposited £10, got £35 cashback and won! had to spend £20 of it to play through the joining bonus but was able to withdraw £340 :T:D:j

will use it for my boots then rest to mum :T

Well done!!!!!!

snozberry

clippy_girl wrote: »

excellent news!!!!! was playing my free joining credit on bingo and i won £360!!!! :j:beer::T

so i deposited £10, got £35 cashback and won! had to spend £20 of it to play through the joining bonus but was able to withdraw £340 :T:D:j

will use it for my boots then rest to mum :T

Very well done!!

I have just finished reading your diary. You are doing a great job

Kepp

Well done on the win Clippy! :j

clippy_girl

so bingo money and a few small ms payments gone to debt. new total owed is £4717.82

£732 paid off debt in march :T

ms this month came to £295.55 so about £15 under target

but £230 booked for april already :j

april should hopefully see payments of £600+

not much else to report, friend is comming for weekend so going to buy boots today and also book hotels etc...

treated myself to 3 cd's earlier from play. checked ebay and they were similar prices so once they are on my itunes i will be listing them on ebay. once ive sold them it should work out they only cost a few £ so thats good also got a few items of clothing to list as well

mandz1

Congrats on the win.

and well done on paying off so much in march.

clippy_girl

so had a relatively cheap weekend. friend came and we booked hotels etc... which we dont need to pay for til we are there. we ate food i already had and stayed in an watched a film. i spent £5 on junk for us to eat with the film but paid out of food budget. then sun bought my walking boots - £100 :eek: we went to the discount place but the staff were useless and couldnt offer any help. tried on cheaper ones and they hurt my ankles so in the end went to a specialist shop and got them there. will use the £40 eon money and £5 of the £9 thats lying around in my account to pay them off the cc (only got £55 of the £80 i put away as £25 was taken out for the cc dd).

so i still have £18 of last weeks weekly spends left going out this weekend so i will use £10 to top up this weeks £30. hope not to spend it but dont want to be scrimping all night! will buy my walking socks with the £8 as want to start wearing my boots around the house. may also take them to the gym ocasionally to wear on the treadmill at hill angle.

then out of the following weeks £30 only need to spend £5 on dancing so will try and save the £25. as i had to use the eon money for boots dont have anything yet in my spends saving account and i will need £20 for new foundation next month!

so this weekends plans are just night out, gym and lots of ms! will also do the back garden and a load of batch cooking as on my last portion of a few things this week!

clippy_girl

hmmm so finance wise i got in a bit of a muddle seems i missed my last week of the month spends off my spreadsheet so thought i had more left at end of month than i did and transferred the money to the xmas savings fund. as a result i will now need to take £30 from debt account to make it up (although i would have put xmas money in account from that to start with so i suppose not worse off).

also overspent on food bill already overspent £12 and will still need about £8 till end of month not sure how that happened will try and have a low spend week and use weekly spends left over to cover this if poss.

so went on a night friday night. was soooooo hungover i could not get out of bed til 2pm yest was a bit annoying as i had 5 ms to do! 2 i am now doing on mon but i had to do the other 3 yest! was torture!

so looks like rain is forcast for next two days so no drying washing or doing garden bedding is in wash and as i need to change it today i will have to tumble dry. will wait for weather to get nice before washing the set i take off today! also bought a corriander plant from asda that i want to plant so may nip out if its dry for 10 mins and do that (least i wont have to remember to water it!).


other plans for today are-

• dishes
• gym class
• write up 3 ms from yest
• list stuff on ebay- got the 3 cds, 3 used ink cartridges, used bra (is expensive so still sell well even though used!) and a few evening dresses that i havent worn for a long time so will not wear. also got the £1 new look cossie that doesnt fit, will see if i make a profit!
• clean upstairs
• make pork casserole in sc
• make lentil soup
• try and remember to play the link online bingo games this evening

happy easter :EasterBun:easter: