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Fighting to be Frugal
Comments
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Thanks HOK3Y yeah it's really shocking that it just seems to get frittered away on nothing important! To think I could be driving now and have so much more, kinda regret having spent without thinking. But gotta look ahead and take it as a learning curve
x
Lloyds TSB Overdraft - £220.73 / £2000 - 11%
Argos Card - £282.83 / £340 - 83.2%
Student Grant Overpayment - £60 / £1590 - 3.8%
Sealed Pot Savings: £80.60
NSD Challenge Oct: 0/150 -
Oh Silly, I know what you mean. It would be so easy to dwell on the past but I tell myself that without being an idiot with money previously, I would not have learned to respect money now. In my first marriage I frittered away an insane amount of money - INSANE amount. I now have much less to play with but seem to be enjoying my life so much more. Money is a strange thing and mistakes are how we learn.Credit Card Freedom gained 14 Feb 2014!!Total Debt Freedom gained 29 Apr 2014!!Savings goal 30/9/23: £72,000/£538,001.....yes I'm serious!Total Debt August 2013: [STRIKE]$21,587[/STRIKE] April 2014: $0!!!!:j0
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Hey SS, from another SS!
I've just read your diary, you're doing brilliantly! It sounds like you work really hard - I think working in Produce must be very tiring! I used to work for As&a many moons ago, on the checkouts, they were a good company to work for I found - now I do mystery shopping for them instead!
I'll give you a laugh, my recent SL statement showed £141 had gone on in interest over the last year & I'd paid off £143 via salary deductions - net total of £2 paid off in one year! I'll pay it off one day I hope!
I'm not sure if your bake sale has happened yet, but if not, why don't you try one or two if the recipes from the Carnation website? These don't involve sugar or a sugar thermometer.
http://www.carnation.co.uk/Recipes/64/Easy-Chocolate-Fudge
http://www.carnation.co.uk/Recipes/120/Ginger-and-cherry-fudge
I love making tray bakes (do you watch GBBO?), tablet is my favourite!
How is the jewellery making going?
& yum to raspberry vodka!!!
XxxMBNA = £4,000 / Next = £925 (approx. tbc on 19/8)
Tesco = £2,910.11 / Smile overdraft = £500
Bank of Scotland = £2,782.830 -
@HOK3Y: Yeah you have a good point there. In a way I'm glad I've been silly with money before because it's certainly taught me a lot more about the value of it! I can't wait to have savings in the bank now!
Hi SS thanks for checking out my diary and a big thanks for the encouragement
Working on produce can be tiring yeah when I started just over a year ago I could hardly lift the crates well at all but it's no problem now! I was thinking about doing mystery shopping or something when I learn to drive, sounds really good!
That's crazy with the SL interest! And I haven't done the bake sale yet no it's on Saturday! As it's pay day tomorrow I may go and get the ingredients then and try out the recipes tomorrow. I hadn't even thought to look on Carnation's website! That cherry and ginger fudge looks amazing!! Although I may change the ginger for freeze dried strawberries or something, I know ginger is quite an aquired taste so may not go down well at the bake sale.
I actually haven't watched GBBO before what channel is it on? May find a few episodes on catch up, I've heard a lot about it and I do quite looking cookery programmes ^^,
I've got quite a lot of jewellery made up, and I've started thinking of designs for christmas presents, I've been very slow with it recently but when I find the passion for it again I'm sure it'll be alright
Raspberry voddy was fit as well :P
xLloyds TSB Overdraft - £220.73 / £2000 - 11%
Argos Card - £282.83 / £340 - 83.2%
Student Grant Overpayment - £60 / £1590 - 3.8%
Sealed Pot Savings: £80.60
NSD Challenge Oct: 0/150 -
Oooh and I have bids on some of my auctions! Only on 3 of them (27 auctions in total so far) but they're at £20!! Still can't quite believe these trading cards have just been in a box in a cupboard until now gathering dust. Thankfully, doesn't look like they've gone down in value!
Should definitely be getting another NSD today as well as no reason at all to go out! Sitting here in my dressing gown and joggers having a lazy oneLloyds TSB Overdraft - £220.73 / £2000 - 11%
Argos Card - £282.83 / £340 - 83.2%
Student Grant Overpayment - £60 / £1590 - 3.8%
Sealed Pot Savings: £80.60
NSD Challenge Oct: 0/150 -
Bake off is on BBC2 on Tuesday nights. Definitely give it a watch, I love it and need someone to talk about it with!!:D
Congrats on the eBays and the NSD!:j it's amazing how rewarding NOT spending money can be!
Just regarding your jewellery, I follow a lady on Facebook who has set herself up all on there making and selling jewellery. I found her because I was a member of a few bride to be groups and she was a member too selling her stuff to brides. She works 100% from home and only sells via Facebook. I don't know how much money she makes but she always seems busy making orders and stuff. Might be worth looking into and would be completely free to set up.0 -
Hiya Wegle thanks for the info on Bake off
I do have a page set up on Facebook (look up Secrets of Aphrodite Handcrafted Jewellery - that's my page)
My only problem with it is that I wasn't selling very much on there. I try and only use the best quality materials I can afford and so my prices aren't among the cheapest like some of the other pages. I also try to keep my designs looking unique and I don't know, I would absolutely love to be attending craft fairs but without being able to drive, I can't travel or carry much stuff.
As such, I haven't done much with the page since April now. 5 and a half months ago, certainly doesn't seem that long. I was just about to move into my and my OH first home of our own so I guess I got lazy with it then too.
Guess that's all the more reason to learn to drive haLloyds TSB Overdraft - £220.73 / £2000 - 11%
Argos Card - £282.83 / £340 - 83.2%
Student Grant Overpayment - £60 / £1590 - 3.8%
Sealed Pot Savings: £80.60
NSD Challenge Oct: 0/150 -
Ok so confirming that today was definitely an NSD, didn't want to update earlier in case the devil got the better of me but today was number 5Lloyds TSB Overdraft - £220.73 / £2000 - 11%
Argos Card - £282.83 / £340 - 83.2%
Student Grant Overpayment - £60 / £1590 - 3.8%
Sealed Pot Savings: £80.60
NSD Challenge Oct: 0/150 -
Silly_Spender wrote: »Ok so confirming that today was definitely an NSD, didn't want to update earlier in case the devil got the better of me but today was number 5
Haha! I was the same, sat here watching the clock trying to work out what a 'safe' time to declare NSD would be! :j0 -
I was just making sure I definitely couldn't be bothered nipping to the shop down the street. And the answer was no, I couldn't :P xLloyds TSB Overdraft - £220.73 / £2000 - 11%
Argos Card - £282.83 / £340 - 83.2%
Student Grant Overpayment - £60 / £1590 - 3.8%
Sealed Pot Savings: £80.60
NSD Challenge Oct: 0/150
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