My debt free diary.

hannahroberts1985

:wave:Afternoon

Not much to report today. Working at 4 so having a cheeky brew before I head out.

NSD today! Fingers crossed I can make it to pay day on friday without spending the £10 in my bank! That'll be a first where I haven't been totally spent up by payday! Off on friday so going to pop to town and spend the vouchers BF got me. Not sure how much is on them as he didn't write in the cards and I feel a bit rude asking so will have to get the shop to check before shopping commences. Looking forward to it it's been soooo long since I brought new clothes.

13 days 16 hours and 8 mins without smoking :T Have been taking nicorette tablets to tide me over but down to about 2 a day now 1 before work and 1 on my break. Going to try have non today. Armed with boiled sweets instead. Wish me luck.

Hope everyone has had a good day xx

hannahroberts1985

:wave:Morning,

Small shift at work today. Told BF i'd pop and get something nice for tea so that'll be my £10 spent.

Saw :money: had put up a 0% card that you can get even if your credit isn't great applied and got accepted :j It's only for 6 months so i'll transfer the barclays cc over and pay off as much as I can then transfer the rest back over at the end of 0%. I got a 0% card once but didn't transfer the money properly and didn't get the 0% deal. Will wait for the card to arrive then call and ensure I do it all correctly.

Pay day tomorrow. :j Off in town with a friend for lunch ( will try to vere her towards somewhere cheap)

15 days 12 hours and 11 mins and £33.27 saved :T

Thinks thats all. Hope everyone has a good day xx

Sharon87

Good luck with the 0% card!

I need to get myself a new one, my credit ratings ok, so should hopefully get a decent one!

hannahroberts1985

:wave: Morning,

Pay day today :j

All money moved around argos paid off :T Card cut up and I have asked them to close my account. 1st hurdle down now I can spread all my money over the CC's!

Been thinking about the 6 month 0% and hopefully after this run's out my credit score will be better and i'll be able to get a longer 0% deal. Fingers crossed!

Shopping today :j:j:j I have 4 birthdays this month :eek: 3 for friends I usually spend about £20 each then it's also my mums who I'd spend a bit more on. :eek: All my friends are planning nights out :eek:. I didn't book one of work and am working so bit of money saved there will see if she wants to pop to the pub one night and I'm hoping the other 2 do a joint night out! Still all my mone will be spend on presents this month :eek: Boring month ahead!

xx

Sharon87

I hate those months with lots of birthdays, mine is in March. Mum's, Dad's and Mothers Day (and it use to be their anniversary too)

Hopefully the credit card will help improve your score so you can get a good deal. I tend to go with my bank's own credit card (0% ones) so you're more likely to be accepted, that's if you have a good history with them.

hannahroberts1985

:wave:Evening,

Sat with a glass of wine and x-factor on.

Good couple of days off (althought I got woke up at midnight last night and had to go to work for 3 hours. Some drunk customers had got into a fight and hit both my managers on shift. Some people are idiots)

Good shopping trip managed to get 2 pairs of jeans, 3 tops, a jumper and a dress :j So feeling good about having new clothes. Good old BF keeping me sane.

A friend meet me in town and we had lunch. £87 left of my budget still need to think about presents for all these birthdays :eek:

Food shopping done today. I was in a good frame of mind when I went so managed to get some healthy food instead of just cake like last time :rotfl:

Last shift at my store tomorrow then start monday morning at the new one :mad: Should be ok fingers crossed!

xx

Sharon87

For presents can you make something? For my sister's Christmas present, I made a montage of her wedding photos and printed it and popped it into a frame. Didn't cost too much.

Good luck with the new store!

hannahroberts1985

:wave:Hey,

Thanks Sharon fingers crosssed it'll be ok.

Popped to Tesco express on the way home today spent 57p on some cold tablets.

Was looking at the grabbit thread last night for present ideas. Already planned on buying my friends the hunger games books as I told him I was reading them and he wanted to borrow them but I have a kindle so can't lend them. Saw a thread about a book website that had all 3 for 99p also got a set of 3 childrens books for 3p with postage they all came to £6.01 :j So have also got my 1st christmas present sorted.

Thanks for the idea I have already brought all 3 of my friends photo albums with photos of us all in. Could print new ones off from this year ( althought not to many as I haven't been going out ..) so they can top up their albums. I'm not sure if anyone else is they same but I always feel like i have to buy people more than 1 present so always end up spending a fortune on bits and bobs:mad:

Got a massive cold brewing BF's cooking sausage and mash then gonna get tucked up in the duvet on the sofa for x-factor then an early night ready for tomorrow.

xx

Sharon87

Well you can buy small things that cost a pound to get them extra gifts, like chocolate, buy it when it's on offer or go to the discount stores.

hannahroberts1985

Hey, though I'd pop in quickly.

Have been illwith the flu and had some very sad news so not feeling very vocal at the moment sorry.

Don't worry though I'm too poorly and upset to spend any money.

I'll be back when I'm feeling better xx