Puzz tries again.. this time with claws... My DMP Journey. I will get debt free...

Puzzcat

Hi BB,
Thanks for popping in!! Not long now until your dmp starts, I can't believe I've done 5 payments/4 to creditors already, the time is rushing past....


Good news on the caravan, will you keep the cash for an emergency fund/possible f & f's later or do you have other plans for it?

Puzzcat

So after yesterdays plans list what did I achieve..



Did attempt the move 15 items from my bedroom, but failed on saleable items, apart from 2 for the bootfair boxes. Shopping bag full of rubbish mind you... empty boxes, old medicines, old nail varnish..etc... will pick a different area to start in...pondering this one..

Well I'm heading to ww tonight for my first weigh in... will cost but not too many pennies and will hopefully encourage me to be good....


Have booked my hair in (I'll go with it of course...:rotfl:) for Friday late afternoon..... again will cost but needs doing and will raid a savings pot for it.. Have booked into a salon in the local town cost about £35... :eek: I used to get it done by a mobile, but find her hard to pin down and even though cheap sometimes my hair looked a little dodgy afterwards... I will have it done in the salon and then next time book into the local college for half the price..


I have also booked an appointment with our local disabled riding centre to visit with regards to doing some volunteer work, so that's saturday morning...


Gosh how very organised of me...!!!


Feel much better today after an early night, despite OH's best attempts to ruin it with his snoring... think I may have another one tonight..


No money news, one poll stuck on £3.15, bank account slim pickings but in credit so all good.. :T


Today won't be a NSD as I will have to pay for ww later and probably need to re-fuel the car..

Puzzcat

So Fatclub.. gosh I felt slim..... don't think the leader was too impressed as she shouldn't be making much money out of me... I had managed to lose 2 1/4lbs from when I weighed myself in the morning at home to her scales.. so only 9 1/2lbs to get back to goal.. I stayed for the meeting and chatted with a few people, so think I will try and stay each week.. a little scoial activity and i'm paying anyway for now...


One poll still slow.. £3.35, hoping my £40 arrives soon so I can put it in my wedding pot... I love seeing my savings pots growing albeit not as fast as they would be if I didn't have this huge debt...


Done month's calculation and debt down 2.4% now.. only another 97.6% to go.... slowly, slowly, catchy monkey....


Few spends needed today but will keep them as low as possible.. out for lunch with mum... soup for me!!! and she will probably pay as she usually does...!!! I did cook for her last saturday so its not all one way...


Need to raid my other BS account for money for hairdressers on friday, also have promised to take DD to town to see Les Mis in the summer so will need to look at booking that.. this is currently instead of going on holiday, although I keep wandering onto flight/holiday websites....They are so cheap out of the school holidays and its typical that this is the only year we can do that, until she leaves school of course then she won't want to come and I go wherever I like whenever I like.. pennies permitting... still pondering.....


So Hair - Booked
Fatclub - signed up
Outside activities - visiting sat to volunteer possibly..


Need to get on with clearing and sorting.. boot fair season coming and if I could just get on with ebaying we could afford our holiday.... kick up a*se needed here...

blisteringblue

Puzzcat wrote: »

Good news on the caravan, will you keep the cash for an emergency fund/possible f & f's later or do you have other plans for it?

Emergency for now, our DFD is under 5 years which is fine. I'm still worried my payments are too close to the original minimums even though I shouldn't think like that after speaking to Stepchange so don't want to rock the boat. Will leave it running for 6 months at least as is and see how many defaults we get before thinking about F&Fs.

Mrs BB is on a zero hour contract and we only put 3 hours a week down for SC. However she has covered 3 classes this week and has an extra class for 5 weeks so is well up on our plan at the moment. Again squirreling it away because it's not guaranteed and the plan is fine on what is declared.

I've never got into the polls and reviews for cash? Is it really worth it? How much on average does it take you and how much can you make monthly?

Puzzcat

blisteringblue wrote: »

Emergency for now, our DFD is under 5 years which is fine. I'm still worried my payments are too close to the original minimums even though I shouldn't think like that after speaking to Stepchange so don't want to rock the boat. Will leave it running for 6 months at least as is and see how many defaults we get before thinking about F&Fs.

Mrs BB is on a zero hour contract and we only put 3 hours a week down for SC. However she has covered 3 classes this week and has an extra class for 5 weeks so is well up on our plan at the moment. Again squirreling it away because it's not guaranteed and the plan is fine on what is declared.

I've never got into the polls and reviews for cash? Is it really worth it? How much on average does it take you and how much can you make monthly?

Hi BB,


Its only surveys that I do not reviewing.. its not much but every little helps... I usually get about £120 a year from onepoll and if I could discipline myself to sit and do others could make some more..


Good news on your secret stash of cash, I'll know where to come if I need a loan..:rotfl:

Puzzcat

Well I'm back.. had my slimming :money:lunch.. vegetable soup, one piece of granary bread, no butter and paid for by my lovely mum...


Not so :money:got chatting to the cashier in the supermarket, completely forgot to claim my £2.50 off and when I got home realised I've been charged twice for something.. Have rung the store and they say pop in sometime and refund from CS... Luckily I am often around this shop/area so will be back for my pennies by the weekend... Silly puzz.....


OH out tonight so got a nice reduced salad.. in a pretty box no less to go with my reduced m & s fishcakes for tea....

Puzzcat

Beautiful day today... loving the sunshine..


Been back to supermarket for my money, unfortunately had to spend it and redeemed my voucher as well... why do things run out before the next planned shopping trip... I did only buy what was on my list but that was still £8.99 and tomorrow I have the proper shop to do...


One poll over the 10% now standing at £4.25...


Nothing exciting to report, I appear to have lost a 1lb, on my scales anyway but no doubt will eat that later when I tuck into my chilli con carne... will try for a small..ish portion though...


Have withdrawn my haircut money from savings account, and also borrowed from another savings account to pay for the shopping tomorrow as still waiting for OH to part with some cash.. in his defence he hasn't been here so I'm sure he will hand it over tonight or tomorrow night.. then I can repay savings account.. I hate spending savings..!

StressedSteph

Hi Puzzcat,


Just caught up with your diary. Have been slacking lately.


I am really interested about you de-cluttering / looking for things to sell. 15 items in each room would be a battle for me as I have already done a round off selling stuff on Ebay. But I do really like that idea, so I think I might try that this weekend but 5 items from each room.
Might make me think a bit more ruthlessly about what I can sell.


Hope your haircut goes well today.


Its Friday!!! yay

Puzzcat

Another weekend done and dusted... and what beautiful weather it was for a change..


Managed to get OH into the garden yesterday and help me empty out my big pots ready for planting my veg/salad seeds in a few weeks. Also started off the indoor seeds.. runner beans/chilli peppers and chives.. I keep looking at them hoping to see signs of life.. fairly unlikely as I only did it yesterday...:rotfl:


So what have we achieved...


Had my hair cut friday, I really take no pleasure from visiting the hairdressers and having to make polite conversation with a girl young enough to be my daughter... but the haircut was ok and at least it won't be getting caught under my handbag for a few months anyway.... £35....


Saturday I went and signed up for volunteering at the local disabled riding school, I have been offered wednesday evenings from later in April so will give it a go and see how we get on... In the evening we went out with 2 other couples, I drove (badly..) saving on taxi fares, Company was great but the meal was not as good as in my local shabby indian takeaway.. This was one of those posh indian restaurants, 2 hours for the main to arrive and I had declined poppadoms and starters..trying to be good having joined weightwatchers again... And weigh day is tomorrow, not sure if I've lost anything or not as my scales are playing up and I don't trust them.. it will be a surprise...!


Money news..


Letter from creation stating my new interest rate for 1 year and then they say it will all revert back to normal.. think not actually creation as the FOS told me to contact them again if I need to about this one in the future....


Default notice from m & s so I will expect a lovely red D to appear on my noddle credit file sometime soon... It can join the other 4 I already have.. and does mean they will fall off before my dmp finishes.


Positive News.. Bit late in the month but I have an opportunity to make a few pennies with overtime so I shall be running around like a headless chicken till the end of March.. Only nets me about £40 in my hand but all helps for the Venice fund...


So other than work, nothing planned for this week. I have friends over next saturday so will try and get the house sorted and will be back tomorrow with update from weigh in..... I just hope I don't go up......:eek:

Puzzcat

Mid week... lovely all downhill from here to the weekend.. crazy busy day yesterday and another one planned for tomorrow so I can cram in some overtime visits this month.. Have now worked out if I'm clever I can do 4 which will net me £80 in my pocket.. lovely stuff... Just got to do them now...!


Weigh in.. well I lost 1 1/2 lbs so very pleased with that.. obviously my long hair weighed a lot...:rotfl: Staying away from the wine and cheese helps I think.. must start exercising as well.. that's my next mission....


Payday still 9 days away and few pounds still in the bank despite dd and her school's best intentions to get me to part with it.. Got to order another prom dress before dd's size runs out.. £40.. just got the refund for the last one... also a leavers jumper.. £20.. and a year book... £15... and she's off to the seaside on saturday... £.... don't think my pounds will stretch that far so may have to dip into some reserves.


I keep changing my meal plan so I don't have to pop to the shops.. trying to delay doing the full shop until friday but we are running low/out on some things so willhave to brave a supermarket today....


OH may or may not be away the weekend/or the week.. he will need to make his mind up soon as i'm not shopping for him if he's not going to be here to eat it....


Very envious of the new euro millionaire as he lives in my old hometown.... it should have been me.... apart from the fact that I didn't have a ticket of course...


Have another bag of 20'ps to bank, they were being used for my christmas fund but that's going okay anyway so I may start putting them into one of my other pots......


Right off to do some work...... at least the sun's come out now... Roll on friday...