Ultimate Challenge. 457 days / £16600!!!

NinjaSavingKat

#Morning Kittens....

Am off to SuperSavvy myself.. will check back shortly!..; - )

Happytogetdebtfree

I pose a question, sainsbury can be a little bit more expensive at times! we need to get xmas gifts we have a nectar card is it more beneficial to shop at sainsbury for the nectar points or is it better i save a couple of quid at asda ? lol

I am in love with malibu its my favourite drink i cant seem to move away from it. Saying that ive not had an alcoholic drink all year because of health issues i cant say i was a big drinker anyway i did lol at the southern comfort under the sink haha i suppose its the only safe place to hide nice drinks because nobody but us ladies venture into the cleaning cupboard haha.. kat have fun with supersavvying xx

NinjaSavingKat

Right then I have been doing some calculations ...SuperSavvyMe didn't fill me with joy this morning so I didn't hang around too long!..

So I want to clear my bike loan and over draft by January. Currently stands at £2768 + £350. It seems like it might be an impossibility right now but I shan't count it out just yet!

• The £350 will be gone on the 01st November 2012
• £133.24 will be paid towards the bike loan as the minimum payment.
• I will add an additional £360 on top of this due to OT done last month.
• £100 is about to be added to said loan from eBay.
• This will mean I am at £2174.76 at the beginning of December.

( I am not paying extra towards my 7% Land Loan yet or Student Loan)

SO....

• In January, depending on what the OT spectrum looks like, a £700 minimum extra payment to the bike loan will be made.
• Also the minimum payment of £133.24.
• This will mean I am left with £1341.52 at the beginning of January

I want even numbers though before I start 2013!!!

• I need to make / produce / acquire £341.52
• My Land Loan will be at £8258 - I need to find a further £258.29

TOTAL = £599.81 (...and in an ideal world the extra £100)

Unless I eBay myself as a cleaner in underwear this £600 will be a hard find.. I will aim for more OT as much as I can but with a walking weekend coming up and going home on the 18th December I will be missing a good few weeks...

I have applied for more overtime but nothing more has been confirmed which slightly fills me with dread.

I am just a little stumped as to where the extra will come from although when budgeting my income for December and January I am erring on the side of "not a lot of overtime and lots of tax" - so might be pleasantly surprised this month as I was last month with an extra £149.

If I can manage to get rid of all of the above and be left with £8000 for the land and £1000 for the bike.. I will have exact payments per month of £390 a month for the land and separately clear the Bike in one month ( FEB ) ..however I will be checking on them both in regards to interest charges and try and pay them also..;-(

We shall have to see how this all transpires..

Onwards and Upwards...

NinjaSavingKat

Other eBayer just paid up.. £100 transferred to bank account. Couldn't wait - like a big child!

liltdiddylilt

Whoa Kat,

Your numbers frighten me; remember you are just a human bean, you are way ahead of schedule in terms of what you set out originally. You're doing fantastically anyway!!!

Nice one on the ebaying. I am thinkin of putting my iPod shuffle (4th gen I think) up on there as I've used it about 3 times since I also have a nano & iPhone no headphones for it though. What do you think?!?

NinjaSavingKat

liltdiddylilt wrote: »

Whoa Kat,

Your numbers frighten me; remember you are just a human bean, you are way ahead of schedule in terms of what you set out originally. You're doing fantastically anyway!!!

Nice one on the ebaying. I am thinkin of putting my iPod shuffle (4th gen I think) up on there as I've used it about 3 times since I also have a nano & iPhone no headphones for it though. What do you think?!?

I got my ipod on eBay ( 5th Gen ) for £70 after my other two were stolen.. do it. People are always looking and selling used headphones is never good.

I got an invoice for £17 from eBay which annoyed me.. don't be frightened though, we are all working hard according to our means...as a Human Bean...:p:p:p

killerpeaty

Kat, is the email you do surveys from attached to a paypal account? They will need to be to get paypal payments as you cannot send payment to an account that isn't attached.

Your numbers are a little scary to look at, but you can do it! Woop woop!

Happy, I would go for the cheapest as nectar points aren't worth very much..

I LOVE SO CO. It is my favourite drink, even above proper bitters and vodka! And I do love a good bitter. Shame I really shouldn't drink It triggers my fibro. I was sober for 2 years out of my 3 year uni experience ha ha.

Having decided I want to aim for £100 online income per month, I'm doing rubbishly, I've only generated £2ish today but have received £3 from pinecone (survey completed 2 days ago) and reached £25 payout from harris poll which needs my new address for me to receive it. Bleh.

liltdiddylilt

:eek::eek::eek: I have listed my iPod! First ebay listing :T (of my own) & I am very pleased with myself. Now to see if it actually sells. If not, no harm done. I shall just relist!

Think it has been used about 4 times. It's called Roadrunner as it was bought for me to go running with (at the same time as a nano which I use to death). Not a fan of running... Lol.

Killer, £100 is difficult if you aren't spending money I suppose. I have made £142 in the last 10 days but I have signed up to lovefilm free trial, referred two friends to this to get £10 for each, moved my gas & elec, and my broadband for cashback each time...

Now that I have done that, pickings are exceptionally slim really apart from Christmas shopping through there etc... I don't know how most people manage it, but I don't really go in for surveys:)

killerpeaty

Wow £142 is a lot! Well done.

I do literally hundreds, probably thousands of surveys and have earnt hundreds but I keep taking survey holidays so I really should have earnt more considering I joined my first site at age 17 (I'm 22 now). And by survey holidays I mean 6 months to a year at a time ha ha. It's not for everyone but I get fibro-fog during the evenings so mindless tasks are great for me : ) I love the ones from maximiles because they're often economics or psychology (shrinkology as I call it) experiments from universities and that makes me feel useful ha ha. I also LOVE getting things to test, I have gotten crisps, loo roll, air freshener, shower gel, clothes washing stuff. I'm doing one at the moment but I can't say what. Oh and beans. I love beans. That was awesome.

Best of luck with the ipod! I've only ever had one ipod, I bought it with my grandad's inheritance at 16 and it's still going. It has 18 days of music on it... which hasn't been updated in over 3 years. is name is sonny.

liltdiddylilt

LOL @ your iPod. These two are about 5 years old and one is pristine and the other battered with a vistaprint address label on the back hahaha! My lovely worn iPod is called Oscar and my iPhone is Peter. How can you not change your music?!?! I have to add fresh stuff in, listen it to death and then mix it in with the masses when I'm getting a bit bored.. lol.

Wow at the survey taking. I guess if you have the time and the patience for something you can do it. I am just.. I don't know. It depresses me, sitting there doing surveys. Although testing products sounds fun! My sister does that. (the non-psycho one)... You go to the loo in her house and she asks 'How was the toilet paper for you?' or 'Don't you love the smell of the handwash?' - she LOVES free stuff. If I was to give her a box of freebies I got for xmas, she'd be happier than if I spent a fortune on some perfume or something.

My mum bought my dad a gift from Amazon's black Friday deals. It sounded great for my dad in law so I went and found it... then I googled it, just to check it was the right one. My googling came up with the same item on Zavvi for £15 versus the £26 black friday 'deal'. Getting peeved at everywhere upping their prices then telling me it's a bargain :@