Batten down the hatches.....

Orange_Ena

catriona79 wrote: »

Cooking on gas!

The fees do bring the total up, but just think what a difference the shift to 0% will make!
One down three to go soon.

What are your plans with the £100? Treat or debt?

Soo late, I'd better go. Catch you tomorrow.

Haha hope that gas isn't too expensive now :rotfl::)

Oh you're right, a small increase but then bam, it's down again Not long till payday and the money shuffle. I'll do a little dance too

Ooh that's a hard question! I don't particularly need anything at the moment and I've had far too many treats over the years so I'm going to treat myself to £100 off my debt! Best pressie ever :T But I might keep a a little back towards my new internal doors ready for the planned lodger experiment thinking about it.

Orange_Ena

Day off tomorrow so today still feels like Saturday

Yesterday
* NSD
* 59SB via surveys
* Survey on PA

Today
* Survey on VO
* 18SB via surveys so far. I'll probably try for more later
* £2.36 top up shop - cheap washing powder, reduced fruit and reduced sushi down to 14p from £1.40 :T:j
* £7 lunch out, drank water for free :money::)

I've got my appointment tomorrow with Nati0nwide who I'm about to leave to move over to FD, except I'm going to open a whole new account. If all goes to plan, my wages will go into FD and all my bills go out, and I'll set up a DD to transfer the rest, minus a little buffer, to Nati0nwide for spends and little saving / budget pots. I like their banking app so I'll be glad not to lose it.

Nothing else major to report.......except it's only flipping payday on Wednesday! :beer::rotfl::D

crazy_cat_lady

:j:j:j
To a day off!

belleandthebudget

Yay, for days off! Hope you had a fantastic one.

Sounds like a very organised plan for the banking switch over.

Orange_Ena

Yay, it was a lovely day off thanks CCL and Belle! Any day where I'm not at work is the best day ever!!! :cool:;)

I've sorted out my new current account with Nati0nwide. The old one will be closed and I'll switch to FD on 4th Sept. I'd got a few little savings accounts attached to my current current account but they can't just be linked to my new Nati0nwide current account so I've transferred most of the money out of each to a completely separate account with another bank for safe keeping. I've closed these little accounts down so once the dust settles, I'll open a load of new savings accounts and transfer my money back. Needs a bit of planning!

Today
* £1.60 parking in town
* £1.42 on milk and receipt scanned on checkoutsm@rt for 5p
* Direct debit went out for jdwilliams for £9.08. I'd forgotten about it being every 4 weeks and not monthly but luckily there was money to cover it in the account, now I'm obsessed with checking my account daily! Wooohoooo. I owe them absolutely nothing now!! Happy happy happy.:j:beer::T
* 109SB earned

Back to work tomorrow boo hoo But off Wednesday yay And Wednesday is payyyyyydayyyyyyyyyy :beer::j:T:D

Orange_Ena

Day off again tomorrow. :j :T I'm getting my car dents and scratches fixed, and thankfully can pay via my wages over a few paydays I'm also having my hair cut and coloured. Grey hairs be gone!!

Today
* 181SB via surveys
* PA survey
* Youg0v survey - decided to sacrifice 25 points to enter the prize draw. Fingers crossed!
* £8.30 top up shop and receipt scanned on checkoutsm@rt for 5p
* £65 for my boiler service. It was done 2 weeks ago and I joked with the bloke that it would be great if he could forget to send it for a few days. Well whether he did that on purpose or they're just slow to send the letter, it worked! :D I was going to have to put it on the credit card but I've paid it from my overdraft which will be cleared tomorrow seeing as it's payday :T:)

Did I mention it was payday tomorrow? :rotfl::o

catriona79

Happy payday, Ena! :beer:
More can be paid off and motivation can soar again! Wow wee!

Mine is not until Friday - but that's only 48 hours then I shall join you in the celebrations!

Good work on boiler bill!

Orange_Ena

catriona79 wrote: »

Happy payday, Ena! :beer:
More can be paid off and motivation can soar again! Wow wee!

Mine is not until Friday - but that's only 48 hours then I shall join you in the celebrations!

Good work on boiler bill!

Thank you, thank you :beer: Ever closer to your magical day that is payyyyyydayyyyyyyyyy :beer::j

Haha the boiler bill. Something has finally gone my way :rotfl::T

Orange_Ena

Why do days off go too quick? Grrrr!

Today
* Payday!! :j
* £15 diesel, hoping this will last until the 9th when I get my new car. I doubt it will but I can hope
* £6.59 on groceries from the farm shop. Some yummy ham and some veg.
* 151SB earned
* Survey on VO
* £2.30 transferred to Nati0nwide CC

I'm going to leave the payments to the CC's to go out as planned now before I make any extra payments. There are a lot of changes and challenges over the next few weeks:

○ current account switch
○ new Ll0yds CC payment to be set up
○ reduction in line rental / broadband (save around £22)
○ energy supplier switch (save £20)
○ house insurance is due this month (paid yearly, hoping for around £100, partly budgeted for)
○ gym payment (£50 for 3 months)
○ laptop to be set up properly (probably £30)
○ car to be valeted properly prior to the handover (£45 budgeted for )
○ 2 family birthdays (budgeted for)

I can see myself getting in a pickle and I'm not even sure I'm going to manage all this without my credit card. I really need to get a grip of grocery spends and ignore the offers! I don't really waste much, but I tend to stockpile food. Apart from milk, cheese, a bit of veg, and a couple of small things, I DO NOT need anything this week. Or the week after that! Possibly the week after that too :rotfl::D

Had my scratches and dents sorted although while he was here, he noticed more dents which haven't been quoted for. It's already going to cost nearly £400 in excess so I'm absolutely gutted. Years ago, accidental damage was fixed for free but since the penny pinching began, it's now chargeable. I sometimes wonder why I bother working in the job I do. By the time I take into account the cost of diesel, professional fees, car costs and the stress of the job, I've convinced myself I'm better off out of it. Aaargghhh. This really has taken the shine off payday!

Right, no more moaning from me. I know I'm better off than a lot of people and at least I've rediscovered MSE, so I shall just get on it with it.

Off to do surveys......these pennies aren't gonna earn themselves

Orange_Ena

One step forward...........17 back.

Today
* £12.17 on groceries. Mainly chocolate and ice cream. Bit of milk. Mainly dairy then
* Receipt scanned on checkoutsm@rt for the chance to win £1000
* 98SB earned

Had some bad news about the car dents and I'm just so gutted it's going to cost even more now. I've spent most of the day in tears. It's likely to be £600 worst case scenario which luckily I can pay back through my wages. But, I'm still gutted that it's £600 that isn't going towards my debts keeping me further away from leaving the job I hate. Totally trapped under all this debt. It's days like this I just think s*d it, get a consolidation loan or add it to the mortgage. But I can't do that. Not this time. So I've chosen chocolate and ice cream and a good old wallow instead. I'm going to ask work if I can pay it back over as long as possible so it doesn't have too much of an impact. Not quite sure they'll let me take 3 years but if you don't ask, you don't get. :rotfl::o

At least it's Friday tomorrow and it's a long weekend.