Batten down the hatches.....

Orange_Ena

Been AWOL again, due to technical issues, somehow my IP address got banned. Total mystery but admin sorted it.

Anyhoo. Need to bring myself up to date.

Tuesday
* Spent £12.35 on flowers and cakes for broken friend. £2.65 under budget.
* Took lunch to work
* £8.23 on small top up shop

Wednesday
* Day off, took cat to vet for weight check so no spend there. He lost weight :T
* £6.44 spend on toothpaste, shower gel, deodorant, none of which I had in my supplies
* £8.30 on supermarket offers, stocking up a bit
* couple of surveys on VO, now up to £23.20
* Paid in £120 plus £6.66 TCB money plus £50 from half the money set aside for house insurance and transferred to jdWilliams. Outstanding amount now £230.03

Thursday
* Half day so had lunch at home.
* New polo shirt for work £6

Friday
* Took lunch to work
* £8.22 on small food shop ready for next week
* £1.08 transferred to nationwide cc as tidy up.

Today
* NSD
* Watched 3 YNAB webinars and delighted I won a free copy, saving £30! :T:p

Tomorrow
* Need cat litter, otherwise will be an NSD
* Will do any surveys / swagbucks
* Got 4 items finishing on eb*y, 4 more to list.....still.

Debts were £6333.30 on 3rd July, now standing at £6052.53 Keep on :money:

Orange_Ena

So much for a NSD!

Today
* Cat litter £6.50
* Birthday present for a friend £6.87
* Food £12.09 (yogurts where half price so I stocked up, plus milk and fruit)

Other MS activities
* Registered with Shopitize and claimed my first 25p for eggs I bought the other day Yay for keeping the receipt
* Registered for online banking with my spare account so I can track all my accounts
* Looked into switching my bank account for the bonus and to have a separate bills account
* Made my lunch for tomorrow
* 4 items finished on eb*y, sold for £35.10.....so after fees I should get about £6
* Listed 4 more items, probably won't sell and if they don't they will go straight into the car boot box.....they will not be allowed back upstairs!
* 78p transferred from current account to nationwide credit card

Tomorrow
* Will be a NSD, apart from eb*y postage totalling £14.31, providing 2 people pay. I'll reimburse myself once all fees have been paid.
* Will do any surveys / account penny tidy ups

Right, that's all for tonight. Going to have a milky coffee then chill before bed.

Pollygarter

EBay fees (and PayPal). I'm with you on how much they take being a total Grr! Still...I have been clearing out a lot of stuff and have made a lot of money over the last few months so I keep at it.

What do you think of YNAB? I don't use it...just have my own budgeting diary in which I list all the minutiae and look ahead to what is coming next. So want to be debt free by the end of the year and am on track. House move coming up though which will cost short term but then reduce my monthly spend considerably. Good luck to you!

Orange_Ena

Pollygarter wrote: »

EBay fees (and PayPal). I'm with you on how much they take being a total Grr! Still...I have been clearing out a lot of stuff and have made a lot of money over the last few months so I keep at it.

What do you think of YNAB? I don't use it...just have my own budgeting diary in which I list all the minutiae and look ahead to what is coming next. So want to be debt free by the end of the year and am on track. House move coming up though which will cost short term but then reduce my monthly spend considerably. Good luck to you!

Hi Polly. Yes it's frustrating but like you say, the money adds up. I like the auction side of it, wondering how much something is going to go for. If I just listed on a FB selling site, with a fixed price, it takes the fun away haha.

I haven't loaded YNAB yet, I need to get a new battery for my laptop first. But I did 3 webinars and I'm really looking forward to getting to grips with it. I've tried other spreadsheets and keeping diaries but I inevitably forget to update, so I'm hoping YNAB will keep me interested enough to update! Good luck with your house move and getting debt free. I'm sure you'll get there and how proud will you be! Thanks for stopping by.

Orange_Ena

Another Monday......getting closer to payday!

Today
* £11.36 spent on postage, still waiting for one person to pay ggrr.
* £2.64 spent on 2 items I forgot to buy at the supermarket
* No surveys available to me on VO
* 68p transferred to nationwide credit card
* £1.03 transferred from purse to tin

It's 10 days to payday.......can't wait to start budgeting with YNAB......once I've installed it!

I really want to get jdwilliams paid off and I know it's my smallest debt but it's the most expensive so it will be a huge boost to get that gone. Although I need to save £300 to get dents and scratches sorted on my lease car before I hand it back, so paying off jdwilliams is looking a bit shaky at the minute. There's a chance that work will pay and then I pay them back through wages, although if I can negotiate a payment plan, it would really help! We shall see!!!!!

Orange_Ena

Still waiting for someone to pay for an item they won on Sunday. He only sniped right at the end so goodness knows why he didn't pay straight away!

Today
* £3.60 on car park, unavoidable as I was covering for an ill colleague and I had precisely 10 mins notice, and no time to walk from the cheaper car park. Can claim it back anyway.
* £1.60 donation for a colleagues wedding gift. I don't know her that well and I told the person doing the collection that's all I had in my purse.......I lied. I'd got another £3 in my purse :rotfl:
* Took lunch to work
* No surveys
* Current account balance already tidy so no payment to CC.
* Sold another item on eB*y......... £6.99 cash on collection. I'll put that in my purse and transfer money from my account to jdWilliams.

It will be nice to see my debt go under the 6k mark. I'm getting there!

I just can't wait to not be in debt. I think I've been in debt since I was a student, I lived in my overdraft for years and years and only really got rid of that about 2 or 3 years ago. 20 years of owing money to someone, spending a chunk of my wages paying it off and never really getting anywhere!:o I can't imagine being debt free really (apart from the mortgage), but I'm looking forward to giving it a go.

Longterm, I want to get a good emergency fund together, save for a conservatory, have a really nice holiday then knuckle down and get paying the mortgage off! I love reading the MFW board and I can't wait to join them in a few years!

Orange_Ena

I'm still waiting for payment for the item that finished Sunday and waiting to hear from the winner of the collection item last night.

Today
* £16.75 on groceries - got enough food to last until next Friday (payday) but will still need milk.
* £1.00 transferred to CC
* Screened out of a survey on VO
* No win on the freepostcodelottery
* Took lunch to work

I think I need to join some challenges to gee things along a bit

catriona79

Ah, we are the same age and share the talent for spending

Good luck with getting under 6 k.

Orange_Ena

catriona79 wrote: »

Ah, we are the same age and share the talent for spending

Good luck with getting under 6 k.

Thanks Catriona Haha but we shall be reformed spenders!

Orange_Ena

Oh crikey, it's been a few days again. Time for a catch up!

Wednesday
* £16.75 groceries - really need to plan better, but I am only buying the stuff that runs out
* Took lunch to work

Thursday
* Took lunch to work
* NSD, well cash anyway, online is a different story
* £6.00 on another t-shirt for work (via TCB - 31p tracked)
* £50.25 on clothes (via TCB £2.60 tracked) I need some new jeans as I've lost a lot of weight recently. I would have waited till payday but there was a 25% off flash sale so couldn't really not order them. I ordered just enough to get the free delivery but I expect I'll send back £20 worth. I had got £20 budgeted so I'll only be down a tenner. I think.

Friday
* Took lunch to work
* £13.18 on groceries (stocking up on deals that will last)
* 25p transfer to nationwide CC

Saturday
* £15.27 on a battery for my laptop. I'm desperately trying to get it working so I can load YNAB and get budgeting. :money: I did call in Maplins but he said the one he thought I needed was £96:eek: Anyway, he googled to check the part number and one on amaz*n came up for considerably less so he said "we can order it for you but I know what I'd do!" Cheers fella, very helpful of you. Great customer service
* £13.49 on brothers birthday present from amaz*n - best deal I could find
* Eb*y buyer came to collect an item, so £6.99 cash paid. Opened a case for another non-payer

Today
* £30.01 on diesel. I swear it was on £29.99 then it skipped straight to £30.01 :rotfl: Money came from my diesel account (Still got £55 in there and I've got enough diesel to last me till payday on Friday) :beer: I started a new strategy with that last month - I filled up last payday, then put my total diesel spend for the month in the diesel account and then leftovers are sort of protected and can be used for debts. Ta-da! It's worked!
* £3.54 on milk and reduced price sushi
* £2.82 account tidy transferred to nationwide CC
* Withdraw some money from payp@l - £52.46. Left £30 in to cover fees for this month. Then transferred the £52.46 and £7 from eb*y sales (put the £7 cash in my purse) to jdWilliams so my balance now stands at £170.57. I've paid nearly £350 off that this month so chuffed to bits. Just wish it was like that every month

I've been cleaning and tidying my bedroom and I've found 8 more items for eb*y and a couple of bigger things for FB/Gumtreeeeee. I might wait until next Sunday to see if they do the free listing thing.

I'm hoping for a no spend week but I suspect I'll need some more milk. Payday Friday!

My new neighbour, who I only met earlier today just came round to ask if he could use my wifi. Is this rude? I'm an idiot when it comes to technical stuff but I told him I've got limited whatsits which until 2 months ago was true but now I'm unlimited as I kept going over. He could carry on using it forever couldn't he? Or would it not have made any difference to me? Bit confused about it really. He probably won't take any parcels in for me now :rotfl::)