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I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
672 replies 98.6K views
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  • tjp70tjp70 Forumite
    451 posts
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    ✭✭
    It looks like you just need to resist the lure of the coffee shops and fast good outlets. Don't let it get you down.
    If Plan A fails, remember there are 25 more letters
  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Last night I went through my freezer and listed everything in there, found 1/4 bottle of vodka from the summer, drunk it, cleared out all my cupboards, planned food for the week, got up early today and was at Aldi (cycled!) for 8am to get bread and milk, all I need for the week. Now I'm sat in bed with a hang over.
    But at least my cupboards are tidy and I've only had to spend £2.03
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Ooo, I've become a money saving convert, I have a little gold start, go me!
    I am procrastinating, wasting away the day, I need to get off my !!! and stop browsing forums.
    To Do List
    1. Shower
    2, Tidy
    3. Hoover
    4. List 10 things on Ebay
    5. Pick DD up from work (yes she has a job now, yey)
    6. Go see my brother

    TTFN
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    To Do List
    [STRIKE]1. Shower
    2, Tidy
    3. Hoover[/STRIKE]
    4. List 10 things on Ebay
    [STRIKE]5. Pick DD up from work (yes she has a job now, yey)
    6. Go see my brother[/STRIKE]

    managed to list 1 thing on Ebay

    Also made some buns to take to my brother, and had a NSD :A
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • edited 26 November 2013 at 2:04PM
    SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    edited 26 November 2013 at 2:04PM
    Pay day tomorrow, I can't wait. I hate the last few days of the month, although if I spent better the rest of the month it wold be OK wouldn't it!!

    I had my home insurance renewal quote in yesterday - £103, so onto Top Cash Back I went and found a policy for £35.10 with £16.50 cash back, so a saving of £84.40 :j

    I've done a lot of my Christmas shopping, but the few pressies I've got left are the big ones, my Mum, brother and the kids and I have £275 (that includes sons birthday in 2 weeks too) left to spend, which does include all my savings including my emergency fund. Being the eternal optimists though, this is probably the first time I have managed Christmas without plastic since I was 18.
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    I had my water meter fitted today, hoping that will save me around £300 per year
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • princesst84princesst84 Forumite
    628 posts
    Ninth Anniversary 500 Posts
    ✭✭
    Hi, I have been lurking since you started your diary.

    Great news on the water meter, we have one and pay £31 per month which is a big saving compared to our neighbours. Only two adults in our house though. Ill keep my fingers crossed for big savings for you.

    Good going on the Xmas shopping too. The first year without plastic is a massive achievement so well done you.

    xx
  • edited 29 November 2013 at 9:40AM
    SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    edited 29 November 2013 at 9:40AM
    Well paid day came, and lots of it went out, there's some more debt payments due out on the 1st so I will update the signature properly then.
    Have had a yucky tummy bug the last couple of days so off work till Monday, which is GREAT. I save £10 a day in commuting, haven't eaten or spent anything. Being ill is definately good for my debt busting.
    I have a bit of a dilema, - I have job, a good one. However I was approached by an agency last week about another job, at first I said I'm not interested as I was happy where I am, but when they said the salary was £50-£60k my ears pricked up a bit, ok a lot, and I sent him my CV, well I've only got an interview next week.

    Reasons to stay where I am
    It's the largest company in the world, good job security, good pension
    Not much stress, new job would be more stressfull
    Plently of opportunity to 'work from home'
    Still a decent salary
    My boss is fab
    I have no staff, no budget and no-one checks my work. In the new job I would have staff, budgets to stick to and would be audited
    I've only been there 11 months and I'd have to pay back the £2000 relocation expenses they paid me when I moved

    Reasons to leave
    More money I would be more than £400 a month better off
    16 miles a day less travel, 20 minutes less commute £350 a year in fuel saved)
    Less travel, this year I've been worked abroad 16 time, 8 different countries, nice at times but also exhausting and the kids moan when I'm away and I feel guilty. (But on the plus side I'm living off expenses, and get lots of free shaampoo and showergel)
    The job I have at the moment is pretty directionless, little job satisfaction, more of a 'cruising role', I'm not sure how long I'll be happy doing this.

    Should I go to the interview?
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • edited 29 November 2013 at 9:40AM
    SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    edited 29 November 2013 at 9:40AM
    Hi, I have been lurking since you started your diary.

    Great news on the water meter, we have one and pay £31 per month which is a big saving compared to our neighbours. Only two adults in our house though. Ill keep my fingers crossed for big savings for you.

    Good going on the Xmas shopping too. The first year without plastic is a massive achievement so well done you.

    xx
    Hi princess84 thanks for your comments, based on your water usage we'll be at least £150 a year better off.
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Morning skinnylatte,

    I would say go to the interview. It doesn't commit you to the job and gives you the opportunity to think about it some more. Interviews are also really good experiences too.

    Have a good day xx

    I
    Getting myself back on track! Pay off debt and save deposit time!
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