One down two to go

need_this_2

Not really kept up with my last diary at all but now the last two debts are left and I want these paid off by December 2014.

£2000 overdraft
£4050 mum

I'm scared by that amount of debt but I have plans in place, I am writing reviews on Dooyoo, joined Qmee, works quarterly bonus, swagbucks and writing on Slicethepie. I intend to throw all the STP, works bonus and Qmee at the debt and get amazon vouchers from Dooyoo and swagbucks to pay off Christmas.

I have got a lot of Christmas presents thanks to a good few wins at work on the RaRa day

I have some money ready for my holiday need a bit more but I have also sorted out a few free days out while we are there so me and DD will have a good time.

I have joined the £10 a day challenge but I'm going for £100 for the month as I really don't have anything I can sell on Ebay but I am saving money by buying things off there so it's all good.

Today DD has a birthday party to go to but I had the present already as I won it at work so just had to get a card which cost 50p and I have wrapping paper from another present.

I finally paid my poundstopocket loan off friday and I will NEVER ever take out another one the amount of money I have wasted is stupid, lesson learnt well and truly.

List for today:
Try for £2 on STP
Hang out the washing
Do 2 reviews on Dooyoo
Get the housework done
Party to go to

bella2121

Good luck with paying the debts off have you joined onepoll the survey site they are really quick and easy to do and the money mounts up quickly

X

MrsSmith2013

Good luck on your journey!

need_this_2

Thanks for the advice Bella, I had joined ages ago but never really used it so I am going to go on daily and try and do some surveys.

Well today has been good and it's not even 7am yet lol my £5 amazon voucher is in from swagbucks, and I have just saved £25 on my purchases from Body Shop with their code so not a bad day so far.

I need 2 more Christmas presents and then I'm all done :j

Not a NSD but at least it was a good money saving/earning day for me.

I didn't quite get my £2 on STP but I am getting there planning on taking £30 out of there this month, and there is over time coming up, which doesn't happen very often so planning on grabbing as much as I can this month, I'm going to be busy but the money will soon roll in.

MrsSmith2013

need_this wrote: »

I need 2 more Christmas presents and then I'm all done :j

Wow - thats what I call organised!! I haven't even started thinking about christmas yet!

need_this_2

I start in January lol I have got some real bargains, DD wanted a huge Tatty teddy last Christmas but it was £75 :eek: I got it in January for £20 :T I haven't paid full price for anything this year and I won lots of bits and bobs at a RaRa day at work so I just put those towards people presents too.

I think I have saved about £200 on Christmas presents and most of them are brand names for things, its silly how much things cost for the names. i used 24 studio in January too got all my wrapping paper for 25p a roll and the cards for 30p a pack I try to do it every year. My godsons presents were a real bargain too down by 75% so grabbed them while I could lol

MrsSmith2013

Thats brilliant! £55 quid off the huge tatty teddy is brilliant. I will have to be more savvy this January and try that. Especially the cards and paper, thats a great idea.

I did plan on starting a christmas savings account this year, but that hasn't materialised so far. Its not too late I don't suppose!

bella2121

Thats brilliant you are really organised we do a Christmas savings with OHs work which comes out before he gets his wage so we don't really notice it, we've been saving £25 per week since January and it get paid last Friday in November, I'm hoping to have most of the Christmas shopping sorted by then though then we can spend that money in the sales (need a new hoover) or maybe a deposit on a holiday!! I've got DS2 birthday and new baby to arrive before then though ha xx

need_this_2

Hi both, Mrssmith I try to save £150 for January and spend it in the sales and get some bargains, there were a few high street shops closing down so i got some bargains from them.

I like your idea Bella what you don't see you don't miss and good luck on the new baby exciting times.

Planning a NSD today, I have got DD's cake competition to go to tonight so I'm going to have a busy evening.

I had some really exciting news last night I have been approved for my student loan so I start my degree in October :j I have always wanted to be a teacher and this is the first stage, it's going to be hard working full time and a degree but well work the effort I can't wait.

Well on wards and upwards huge changes going to take place this year, determined this will be my year :T

MrsSmith2013

need_this wrote: »

I had some really exciting news last night I have been approved for my student loan so I start my degree in October :j I have always wanted to be a teacher and this is the first stage, it's going to be hard working full time and a degree but well work the effort I can't wait.

Well on wards and upwards huge changes going to take place this year, determined this will be my year :T

Aww Wow - huge congratulations!! Thats fantastic news that you can start your studies!! Had you already registered for the course, or is that the next stage for you? Is it a 4 year degree?

Definately a massive step to becoming a teacher, really happy for you! :j

bella2121

That's brilliant news about your degree! Good luck with it x