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Blue Crayon's Guide to Life

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  • BlueCrayon
    BlueCrayon Posts: 111 Forumite
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    Grrr, feeling very stressed tonight. The project I'm working on is proving V complicated and doing my head in. Not helped that I want to be listing on eBay and clearing junk but I can't.

    Good thing it was a NSD today and I plan the same for tomorrow.

    Done a plan of what I need to get done workwise tomorrow. I'm going to list just 5 things as well. Easy enough to get done, I set myself up to fail many times by overloading myself with things to do and end up crippling myself with my desire for perfection and getting next to nothing done which perpetuates the whole cycle. If I do a little bit every day I'm moving toward my goals and can have a bigger blitz on my days off. Need to learn some meditation to help me relax, unfortunately I've got too much on my plate to add it to the list just yet!

    Bag done, Bob is making my packed lunch (he is a Saint to put up with me), going to lay my clothes out for tomorrow and then have a nice bath. Slow and steady will win the race.

    Hope any readers had a super money saving day!

    BC x
    Total Debt 21st October 2012: £11737.03, Total Paid: £0
    Consists of real debt: £5737.03 and preventing future debt fund: £6000.
    PFD is to let me have a shot at my dreams when I graduate without digging myself back into a money black hole.
  • BlueCrayon
    BlueCrayon Posts: 111 Forumite
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    Well yesterday wasn't a NSD but it wasn't bad. Only thing I needed was crumpets, managed to get some reduced in the Coop, also got a massive reduced pork leg for £4. Its been cut in half and each half will do dinner for 2 and a few lunches for 2 as well. Bobs slow cooking one today whilst the other is safe in the freezer.

    Aiming for a NSD today and also start taking Champix. Finally got my head round where I'm going with my project so eBay selling etc is taking a back burner for the next few days. I'm going to blitz the project and then the difficult part will be done. After that travelling is greatly reduced and as I won't be out and about all day I won't be as tired of an evening and can focus on making money and busting the debt. Come up with a few other money making ideas, they're more long term but can be started soon and will hopefully see some return towards my longer term goals.

    I'm far too chirpy for this time in the morning, I think going alcohol free is doing me some good!

    BlueCrayon x
    Total Debt 21st October 2012: £11737.03, Total Paid: £0
    Consists of real debt: £5737.03 and preventing future debt fund: £6000.
    PFD is to let me have a shot at my dreams when I graduate without digging myself back into a money black hole.
  • BlueCrayon
    BlueCrayon Posts: 111 Forumite
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    Didn't manage a NSD today, spent 60p on a can of cold 7up this afternoon. I do think I deserved it though as I'd been working outside all day and was boiling hot and parched.

    On a good note I saved myself £200! For the last couple of weeks I thought my GPS was packing in, the screen was so faint and barely readable. I tried changing batteries to no avail and have struggled all week to read it, was going to buy a new one as it is an essential (I take so long without one that I'd be working for £1 an hour by the time I finished). Decided to ask for help first and someone suggested I try adjusting the contrast, turns out I'd managed to change the setting to really low :o Quick adjustment and its working perfectly. I felt like a total idiot, ah well it could have been a lot worse as I'd have been £200 down for nothing!

    Got to get back to work now, was exhausted when I got in and got to finish my notes, was a V productive day and if I keep this up the worst will be done in 2 more days!

    BC x
    Total Debt 21st October 2012: £11737.03, Total Paid: £0
    Consists of real debt: £5737.03 and preventing future debt fund: £6000.
    PFD is to let me have a shot at my dreams when I graduate without digging myself back into a money black hole.
  • BlueCrayon
    BlueCrayon Posts: 111 Forumite
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    Was exhausted when I got in tonight but its still been productive all round. I got lots of work done and am ahead of schedule, I had a thumping headache after being in the sun all day so have decided to take tomorrow off. I know I'm nearly through the worst bit but I need a break from it to work most effectively. I want to have a busy day but a busy day without twisting my brain to knots.

    Hit another paperwork pile tonight and actually filled about 1/3 of our big recycling bin! That's the worst two piles done but there is probably still quite a bit of paper floating about that will be dealt with as I get to it.

    Also went through the change pot, found £5 note that has gone into my purse, sorted £15 of larger change into a coin purse that will cover any parking or toll fees till the end of the month. Transferred the £20 straight to the debt, also bagged up £12 of change which I will transfer when I've paid it in. Still have a chunk of change that does not add up to a whole bag, I'm going to do my next supermarket shop in the evening and tip the lot into the self service machines, I'll keep a note of what was paid and then transfer it over as well.

    I realised I had not accounted for car tax/mot in my budget, I've added it in and transferred this months to my savings account. I feel very responsible and mature by doing this, took me long enough :rotfl:. Don't want to have another month like last month when I was scrabbling around to find the cash, thank goodness my car made it through the MOT. I'm still not quite sure how that happened. :think:

    So far this month I've paid £293.17 toward my debt, add in the £275 from the forgotten savings and £32 from change that is already £600.17 off my debt! Then if I stick to my budget I will have £480.45 remaining to throw at the debt. This is a good chunk off and does not include the £50 in my paypal account and the auctions and other sales I currently have going. It'll be great to get a really big sum off in 1 month. Its quite exciting seeing the totals go down!

    Going to sort out a signature but am not going to add total paid off until the end of the month when I know how much interest paid. Fingers crossed from September I won't be paying any interest on my debt as the remainder will all be 0%! Then I can update my sig for each payment, it'll be motivation not to slip and spend again.

    One day I'll figure out how to write a short post!

    BCx
    Total Debt 21st October 2012: £11737.03, Total Paid: £0
    Consists of real debt: £5737.03 and preventing future debt fund: £6000.
    PFD is to let me have a shot at my dreams when I graduate without digging myself back into a money black hole.
  • Aurora_
    Aurora_ Posts: 61 Forumite
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    Hi BlueCrayon!

    Have just had a read of your diary and loving it so far! I can certainly empathise with the beauty product part. When the OH and I moved in together we went through all the bathroom cupboards/ drawers and the amount of crap I have in there is amazing. Since then I've made it my mission not to buy anything unless it is essential, and to try and use up the 26 moisturisers etc that are lurking in there. It's slow progress though!

    I'll also join you on your ebay mission. I have so many bits and bobs around the house that I never use and that I've been meaning to list for ages. As soon as I submit my work on August 15th then I'm going to spenda few days in front of the telly photographing and listing ebay stuff!

    Good luck and great work so far- it'll all be worth it in the end!

    Ax
    Debt: CC -£0 (100% :j) ; Overdraft -£0:j;
    Now saving for a house deposit :o
  • debtdawg
    debtdawg Posts: 343 Forumite
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    Just wanted to say hi :) I have enjoyed reading your diary so far :)

    Whilst our lives are slightly different I do agree about the beauty products part and have decided to have a pampering session tonight when the children are in bed, to make me feel more human!

    Looking forward to reading more xx
  • BlueCrayon
    BlueCrayon Posts: 111 Forumite
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    Hi Debtdawg & Aurora! The beauty product hoarding seems to be a common theme. I really am the salesman's dream, I don't buy a cream I buy the perfect life. Because, as we are all aware, if I just find the right moisturiser it will pay off my debt, trim my thighs and find me a nice man :whistle:. There is no other explanation for why I have spent a fortune on such things.

    Today's been a good day, we had a lovely walk this morning and I did some decluttering this afternoon. I really do own a pile of utter rubbish, seeing as I've been skint for nigh on 15 years I have at some point considered each bit of useless tat to be a necessary purchase :wall:. I've got 3 big boxes on the go, one for ebay, one for amazon and one for car boot. I'm going to aim to list a few bits each day and Bob has offered to help me do a carboot sale later in the month.

    Was also good food budget wise. I stripped the chicken from last nights tea which is now a gorgeous stock and ready to be made into soup. I'm using up the meat tomorrow along with some chorizo I was given and store cupboard bits to make a paella, 1/2 for dinner and the rest for the freezer.

    Made the decision to focus where my money making/savings go and I'm not going to try and do too many things at one. I'm joining swagbucks but am not going to hit any other survey sites just yet, apart from pinecone who I'm already a member of. My tendency is to try and do 'everything' register for every site going and end up giving up on them all. Being more focussed has a better chance of me achieving my aims. At the moment I have lots for ebay and other work, when that starts to dry up I'll start registering for different sites. I'm going to let new ventures become good habits before I take on more.

    Monday tomorrow, I'm going to make it a no spend one, a good way to start the week is seeing the debt go down.

    BC x
    Total Debt 21st October 2012: £11737.03, Total Paid: £0
    Consists of real debt: £5737.03 and preventing future debt fund: £6000.
    PFD is to let me have a shot at my dreams when I graduate without digging myself back into a money black hole.
  • snozberry
    snozberry Posts: 1,200 Forumite
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    You are doing really well. There is a thread on here that is full of money saving recipes that you might find helpful.

    Swagbucks is a great way of raising pennies for treats :) Just make sure that your anti-virus is up to date and top-notch before clicking on the special offers and competitions.
  • debtdawg
    debtdawg Posts: 343 Forumite
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    Gah, I typed out a reply and it's disappeared.

    The paella sounds delish! Did it turn out well?

    I signed up to Swagbucks for our challenge but I seem to be ineligible for any of the surveys, so my 36 points so far isn't going to go very far haha.

    Regarding the beauty stuff, I am a sucker for pretty packaging and empty promises. I never used to care but got caught up in a form of 'keeping up with the Joneses' a few years back. Shallow really and hints towards deeper issues for me. I think fighting debt is more than just sorting out finances it's also about what causes those financial issues in the first place which for some of us runs deeper than just ritual overspending!

    You are doing great and it sounds like you are getting super organised :)
  • Crystalclear_2
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    Hi Blue Crayon,

    Another one who is enjoying your diary. I've also started one but very early days yet. Swagbucks sounds great I am going to investigate it this evening.
    I've also got a huge load of toiletries unopened that I just had to have, more ebaying tomorrow.
    Had a bit of a success today by reducing both our phones down from £100 a month to £30 Yeh:eek: I know ridiculous have been waiting for the contracts to end. Good luck with everything Crystal
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