Batten down the hatches.....

Orange_Ena

belleandthebudget wrote: »

That's a great profit for selling stuff you wouldn't have been using anyway!

Too true Belle. I've listed more today so I'm hoping to double my profit

Orange_Ena

Boohoo back to work tomorrow after a relaxing weekend. I'm off Wednesday though so that's easing things a tad

Thursday
* NSD
* PA survey
* VO survey
* 220SB earned

Friday
* £22.33 on top up groceries and receipt scanned on checkoutsm@rt
* Youg0v survey
* 210SB earned

Saturday
* NSD
* £20 cash received from my friend for a little job I did for her. It's already been allocated.......£10 will be for my works Christmas meal deposit and £10 will be for the train ticket to Brum when I meet my friend at the end of the month
* Youg0v survey
* 106SB earned

Today
* NSD
* 3 items relisted from last week and another 18 items listed on eb@y
* 2 items listed on Shp0ck for local collection
* PA survey
* 31SB earned.....slow day! Might try again later.

My gas and electricity supplier has tried twice to take out the direct debit but it's not worked. It's the 2nd payment to them but the first since I switched to FD. It seems there's a wrong digit on the reference but FD are telling me one thing and the supplier another so I've been stuck in the middle waiting for the payment to go out. The old me would have thought, ooh there's money available, I'm gonna spend it. But oh no, the new YNAB loving me knows that money is allocated! Anyway, I'm going to pay over the phone so at least I'll be up to date with that bill. I'll contact them both again tomorrow and see if they can liaise with each other to sort it out!

I'm not sure I should say this out loud, but I think I may have cracked YNAB. I struggled last month when I had direct debits going out in the last few days of the month, after my payday. I was over budget in that month but had money to budget for this month. Totally confused! When I allocated money for October, even though some money will come in on the 26th to see me through, I allocated money for all my direct debits to try and make a move to living on the last months income. I guess I could split my income but I'm going to try this way first and see if it works. I seem to be ok budget wise, everything is allocated and I have money for food and bits in my rainy day funds. Roll on payday.......I want to see if this works! 15 days to go! :T:D

moneyonmymindsam

Plus I've cleared 9 items of clothing from my wardrobe so there's some space for some new clothes. Oh wait........that's not really the idea is it? :rotfl::D;)




Are you me? lol ...Just read parts of your diary and have to say ...your flipping amazing at this paying off debt lark!!...must add Well done on the ebay sales. I am 9 months in on selling and must admit I'm running out of things to sell...to be fair it's £900 I never thought I had just lying round the house ..actually that's a slight lie 99% came from the wardrobe


Just didn't want to read and run - wishing you the very best of luck on your journey


MMsam

Orange_Ena

moneyonmymindsam wrote: »

Plus I've cleared 9 items of clothing from my wardrobe so there's some space for some new clothes. Oh wait........that's not really the idea is it? :rotfl::D;)




Are you me? lol ...Just read parts of your diary and have to say ...your flipping amazing at this paying off debt lark!!...must add Well done on the ebay sales. I am 9 months in on selling and must admit I'm running out of things to sell...to be fair it's £900 I never thought I had just lying round the house ..actually that's a slight lie 99% came from the wardrobe


Just didn't want to read and run - wishing you the very best of luck on your journey


MMsam

Haha MmSam, bit of a clothes habit too? :T:rotfl: Ah thank you, I'm sure there's more I could do but I'm happy so far with my debt busting. Obviously I'd like it cleared by Friday but that's not going to happen! Maybe if I say it won't happen, I'll win the lottery or something!

Wow, £900. That's amazing. And you must have really lovely clothes or lots of them! It is amazing how it all adds up. Just a bit of effort and suddenly there's a few quid to put towards debt.

Ah thank you so much for popping in. I'll have a search to see if you've got a diary

Orange_Ena

I've had a day off today and as usual, it's been lovely. Back to the s**t tomorrow

Monday
* £23.65 on a few bits of food and receipt scanned on checkoutsm@rt
* £30 on fuel. I've still got £35 left in my fuel account and I'm only working half a week next week so hoping I can manage! Probably just jinxed myself! :rotfl:
* £58.50 on a cardigan and bras! Oh dear! But I can totally justify them. Honest! I've probably mentioned it a million times but I've lost a lot of weight and most of my bras are far too big so they need replacing. I've bought 2 which will keep me going for a bit! And the cardigan, well I really really love it. I've got the same one selling on eb@y as it's too big but amazingly they still stock it so I bought it all on account and will pay it off come payday!
* Youg0v survey
* PA survey
* 180SB earned

Tuesday
* £2.50 in C0sta for a drink with colleagues
* £4.70 on lunch and a few bits in t3sco and receipt scanned on checkoutsm@rt
* £3.48 in bodyc@re
* £10.50 on socks and some comfy slipper boot things with cat faces in Primarni
* £5 in M@rks and Sp3ncer on some yummy desserts for me and my friend
* 50p for car parking in town
* 98SB earned

Today
* £16.69 on special food for my beautiful cat
* 133SB earned. Only about 200SB away from the next £10 voucher :money:
* Pinec0ne preliminary survey completed
* PA survey
* Youg0v survey
* £20.78 cashed out from PA :T
* £2.53 cashed out from TCB :T
* £37.06 withdrawn from payp@l from the last lot of eb@y sales :T
* They all add up to £60.37 which I'll pay to Barclayc@rd when they hit my account :T:j

I've got 3 items finishing on eb@y tomorrow night and 18 on Sunday and so far I've got 51 watchers and 3 bids. Fingers crossed!

I know credit scores are a bit worthless but I was encouraged to see my noddle score go from a 2/5 to a 3/5 last month but this month it's gone back to 2/5!! So I signed up for a trial with Equif@x (which I'll cancel in 3 weeks) but they have me down as "excellent". Crazy! I'll leave it another a couple of weeks then apply for a new CC and transfer my Barcl@ycard balance as my 0% interest rate is about to end. :money:

I've woken up blimming freezing the last few days so I need to get the radiators done asap. Since I lost weight (I might have mentioned it before ) I've definitely felt the cold more. My current radiators are awful, I've tried bleeding them but they're all bunged up and hardly give out any heat. I'm hoping to just whack it on the credit card and get it paid off asap. If I drain all my rainy day accounts though I could afford it but then I'll be in a pickle when I need to pay for Christmas or line rental or whatever! Aaargh. At least it's not a frivolous spend I suppose

catriona79

Another successful Day - and it seems you have managed to fit in some M&S puds too!

Re credit score, there was a time when mine was all over the place too... It will settle slowly. I find that when my debt goes up it changes. Such as when I've run up a biggish bill on my everyday CC. Also, I'm sure you know that Noddle is a little bit behind?

Any news on the radiators?

Orange_Ena

catriona79 wrote: »

Another successful Day - and it seems you have managed to fit in some M&S puds too!

Re credit score, there was a time when mine was all over the place too... It will settle slowly. I find that when my debt goes up it changes. Such as when I've run up a biggish bill on my everyday CC. Also, I'm sure you know that Noddle is a little bit behind?

Any news on the radiators?

Haha always room for some delicious puds! :rotfl::D

Oh I didn't know that about noddle. Equif@x seems a bit more reliable but not enough to pay the monthly fee to keep it. I just wanted to check it before I apply for my new balance transfer CC early next month. I'm sure it will all settle down, thanks Catriona.

I emailed he company about the radiators to see if I could get it cheaper towel rail so bring the price down a bit, and to see if I can pay on my credit card but they haven't got back to me yet. If I can't pay on my card, then it'll have to wait until next year. My pay for the next 2 months will be £300 down because of the car so that's blimming annoying. Nevermind! I'm getting a lot of wear out of my lovely warm new boot slipper things

Orange_Ena

Very nearly the weekend :T:j:T:j:T:j:D

Thursday
* £14.06 on more cat food for my beautiful cat, wet pouches this time!
* £5.46 on chocolate and ice lollies
* 2 VO surveys
* 145SB earned

The £37.06 I withdrew from payp@l landed in my account and I tried to pay it to Barclayc@rd but as it's a bit less than the minimum payment which is due soon, it would mess it all up. I've renamed one of my little savings account to "overpayments" and put it in there for now and once my DD for Barclayc@rd has gone out, I'll move it across then. I've also discovered that I can no longer transfer less than a pound between my Nati0nwide current account and my Nati0nwide savings account. But I will not be beaten, oh no! I transferred £1 from my savings account to my current account then transferred it back, along with a 94p sweep. Ha! :rotfl:

catriona79

Orange_Ena wrote: »

I've also discovered that I can no longer transfer less than a pound between my Nati0nwide current account and my Nati0nwide savings account. But I will not be beaten, oh no! I transferred £1 from my savings account to my current account then transferred it back, along with a 94p sweep. Ha! :rotfl:

Hahaha!!! What a cunning plan

X

Orange_Ena

catriona79 wrote: »

Hahaha!!! What a cunning plan

X

Haha thank you!

Baldrick x :rotfl::D;)