Starting afresh and finding the light

Squidge123

Right before I go to work here is a summary of my plans for the next couple of weeks:

• I currently have no day off between now and 22nd August meaning I should get a good wage which will help me pay off some debts.
• Go to library every day I can to rack up the Swagbucks points to then use as presents etc.
• Read the £1 a day book and see if I can get some tips from it.
• Walk to work as often as I can. This week will be easy as I have no petrol in the car so will be walking anyway but if there are days I can walk and save petrol after payday even better!
• Look into a sealed tin to save coins in as I have no emergency fund.
• Find vouchers etc that can be used to help with the shopping etc!
• Go to Natwest on Wednesday as I haven't heard from them regarding my overdraft and thats the next day I'll have enough time free to go in.
• Work out what debts I have that will be quicker to pay off in August to put that money towards the rest of the debts and get my credit file worked out better.

I'm going to phone each company I owe money to and explain my problem and see how they can help me.

Squidge123

Payday tomorrow! I have the barclays app on my phone so will be doing mybank transfers in the morning. Leaving the money for my car insurance and phone bill in and drawing out whats left over so i don't go over anything. I will then go into town and visit the 99p shop for my cleaning necessities etc

Squidge123

My shopping list is all written up. Should get food for two for one week for about £25 or less. Just want tomorrow to get here so I can hurry and reduce some more!

Just updated my sig because I had to borrow money from my parents this month. They agreed for me to pay that back in august from my overtime :-)

Squidge123

The countdown to payday is almost at and end...its almost here!!!

snozberry

I've just begun my countdown to payday - 29 days and counting

Squidge123

I can't wait til august with the amount of overtime I've been putting in at work. That will be the best payday for clearing a lot off :-)

BlueCrayon

It sounds like you've been on a bit of a rollercoaster!

If work is within walking distance could you not do without the car? It'd save a bit plus you could sell it and put the money towards debts? Plus you won't need to worry about repairs and the like.

PayDay here to and i'm determined to stick to my budget this month! Well done on all the overtime.

BlueCrayon x

Squidge123

I can't sell the car cos its on finance. Work is actually a 45 min walk so I need the car in the rain or when I finish at ten at night. I have another 2 years on it.

I cleared £103 off of my debt yesterday.

snozberry

That's great. Your total is coming down nicely

Squidge123

Its getting there. This month I will have overtime to hopefully pay off more but I have my car tax due .

I've cancelled my reservation of Kath Kelly's book because the library can't find it! It's been weeks since I reserved it!!!