PigginSkint's DFW Diary

embarrassed_about_my_debt

Well its def a start but the apr is the really important one!

PigginSkint

embarrassed_about_my_debt wrote: »

Well its def a start but the apr is the really important one!

I know - £24 is a drop in the ocean compared to an increase in interest of £100 per month :eek: - but I do like to celebrate the small gains! (I think I would go mad otherwise!).

peb

It is a positive sign though - we'll carry on crossing everything until you hear from Halifax.

PigginSkint

peb wrote: »

It is a positive sign though - we'll carry on crossing everything until you hear from Halifax.

That's what I was inclined to think! I hope so!

I have never missed a payment before on this card (or any card for that matter) and as far as I can remember there has never been a late payment on this card either. With any luck they will realise that this was just a blip and decide to be nice to me!

hypno06

That is a positive sign. Fingers crossed for the APR too!

PigginSkint

hypno06 wrote: »

That is a positive sign. Fingers crossed for the APR too!

Thanks! I am keeping everything crossed!

PigginSkint

Update on yesterday's to-do list:

PigginSkint wrote: »

· [strike]Post Amazon parcel (oh heck – it’s raining again!)[/strike] Done!
· [strike]Buy a birthday card for my Dad[/strike] Done!
· [strike]Free bingo[/strike] Done!
· [strike]Daily clicks on Quidco and Pigsback[/strike] Done!
· [strike]Investigate new cashback opportunities on Quidco – I have spotted a couple of likely ones![/strike] Done!
· [strike]Make something yummy for dinner (I know full well I am not going to chance tonight to cook anything for stashing in the freezer)[/strike] Done!
· [strike]Do a budget sheet for OH, in an attempt to get the b***er more organised with his finances![/strike] Done!
· [strike]Put load of washing done this morning on the clothes horse to dry[/strike] Done!
·[strike]Put clean washing away (I will try to do this today!)[/strike] Done!

PigginSkint

Hi All

Not a huge amount of news today!

Last night I went through Quidco and signed up for the Vernons deal – had great fun last night playing with my £10 deposit plus the £5 free Vernons gave me. I played quite a lot of games but my balance is still on about £16! Also played free bingo on Gala again, but won nothing as usual. I have noticed that there is another free bingo site on Quidco so I will check that one out tonight.

I have been updating my spreadsheet this morning – inputting my current available balance and the payments still to go out. It is looking surprisingly good! I don’t know what my new tax credits payments will be yet as I haven’t had my new award notice yet, but even if I receive nothing I can still pay everything I need to pay this month. This is assuming of course that OH pays the Halifax bill from now on! I need to be careful how much money I spend on groceries (I have told OH he is going to have to contribute much more to the food shopping) but I will still at least break even this month. Things are looking up!

My latest payment from Amazon has gone in this morning - £15.32 so a profit of £11.54. This means I am now up to £109.38 on the make £10 a day challenge – not bad for so early in the month!

I have copied sheepchick’s idea on the make a payment a day challenge thread and from now I will be including a number of pence to match the date to my daily payments of £1. So the payment I have made to my online saver today (which will go to my Tesco card next week) was £1.05 and the payments I have arranged to go out on Monday to my Egg card and my LTSB card will be £1.08. This will make it much easier to track which payments have actually hit the accounts they are paying off.

No more exciting news to report this morning. I will do a to-do list for today in a separate post. By the way, did anyone notice that I actually managed to complete yesterday’s to-do list?! Woohoo!

And in one final note – thank goodness it is Friday!!!

Bye all!

PigginSkint

Today’s to-do list

· Go to Aldi on the way home to do a small amount of shopping (luckily we don’t need much)
· Do surveys
· Do daily clicks on Pigsback, Quidco and Bananalotto (if I don’t add this last one to my to-do list I shall forget to do it again!)
· Check out new opportunities on Quidco
· Check out other cashback sites (I have accounts with several but have never had a proper look!)
· Do some washing
· Put yesterday’s washing away if it is dry

That’s plenty for a Friday I think!

PigginSkint

Update on yesterday's to-do list

PigginSkint wrote: »

· [STRIKE]Go to Aldi on the way home to do a small amount of shopping (luckily we don’t need much)[/STRIKE] Done!
·[STRIKE] Do surveys[/STRIKE] Done!
· [STRIKE]Do daily clicks on Pigsback, Quidco and Bananalotto (if I don’t add this last one to my to-do list I shall forget to[/STRIKE] Done!
· Check out other cashback sites (I have accounts with several but have never had a proper look!). OH hogged the computer so I couldn't do this.
· [STRIKE]Do some washing[/STRIKE] Done!
· Put yesterday’s washing away if it is dry. It wasn't so I didn't!