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I have seen the light
Comments
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Another thing to mention is that if you love your fast food
that you can get paid for eating it!
Mystery shopping company GAPBUSTER ( do a google) will pay you for mystery shopping KFC, Mcds & pizza hut. You have to pay out for the mealm, eat it , write a report and file your expenses they pay about 7.0dd near me in london for kfc etc.
the most important this is getting fully on board with what you are spending, spendig diary is perfect for this.
Its also important to do a thorough budget with savings for birthdays/Xmas/ dentist etc, so that when these events inevitably occur you have some money stashed away and they dont come as any surprise. Use martins budget planner at the top of the page.
Also what do you have to sell. anything you can stick on ebay/ loot/ amazon/ greenmetropolis.com for books is money for nothing, stick that money on your credit card too.
Also do you have any old mobile phones about? If you do flog them to Mopay or envirofone- money for old ropeI also sell my old printer cartridges to tesco for points which we are saving up for a weekend away
but you can use tesco points to take money off your shopping too.
there are STACKS of tips on this board, do check out the "great way to cut back" at the top of the menu page on DFW, you will find a wealth of top tips.
All the best & great to have you on board
lynz
Hi Lynz
Thanks for you kind words and tips I will put them into action. I am just about to start a diary of my spending
Cheers
MattMint Credit Card £3900Should all be paid off by Feb 08Proud to be dealing with my debts0 -
Hi,
And well done for focusing on your debts early on. Not too bad actually. According to my figures you have £300.05 per week (£150 each) to spend on food, clothes, and anything else. To avoid overspend I suggest you each write this amount in a little book on a Monday (a spending diary) and keep a note of what you spend by subtracting. If you have any over at the end of the week use this to pay towards your most expensive debt. Once all your debts are payed, start to save. Use this fund for luxuries and stop using credit cards for any more purchases. Stick to your budget and book; ignore your bank balance. The bank is only a parking place for your money.
Good luck, the figures are as follows:
income weekly monthly
self 1276.71
partner 900.00
total 0.00 2176.71 divide by 4.33
£502.32
£502.32 total weekly income
spend weekly monthly
rent/mortgage 475.00
council tax 120.00
elec 20.00
gas 20.53
water 0.00
secured loans 0.00
TV licence 10.99
fines 0.00
m&S 160.00
mint cc 70.00
total 0.00 876.52 divide by 4.33
£202.27
£202.27 total weekly spend
Start= income - spend = £300.05 per week0 -
mattsaunders wrote: »My main problem is I am on the road for my job and fast food is really easy for me.
I am on the road as well. I keep a large pack of small bottles of water in the boot so I always have some water available instead of picking up cans in the garage. I also got myself a water bottle that you fill yourself which has a central section to freeze so you have ice cold water in summer. If I wasn't on a diet at the moment, I would normally put a large bag of crisp packets in the boot too. Not so good in summer admittedly though.
I make sandwiches when I can and carry them in a chilled lunchbox or put a flask of soup in the car, but I agree its really hard to be good.
I have been known to be good by picking up a salad and fork in M&S when I stop at a service station - to stop me opting for fish and chips! Not a cheap option, but it keeps the calories down and I think of it as indirectly saving me money on clothes in a bigger size (lol!) :rotfl:Thanks to MSE, I am mortgage free!
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