Enjoying the journey - budgeting, saving and remaining credit card free

fedupandskint

Work over and done with for today. Half day tomorrow which is always good! Posted all the eBay parcels today, still waiting for 3 to be paid for and one paid for tonight ready to go.

What else? Hmm not much! Oh yes, did the food shop, half of it rest to finish off at the weekend. On liquid gold fumes so will have to fill up tomorrow to get to work and back for the week ahead

fedupandskint

Wahey, it's the weekend!

3 eBay parcels posted this afternoon and still waiting for one more buyer to pay which will have to wait until this time next week if they don't pay tonight. Also called into the bank to get the payment set up for the loan overpayment. Had good luck wished to me for my plan to pay it off in 3 years or less which was nice and welcome! Also received suggestions about what else to use to pay which were the same as my plans so it looks like I'm on track there.

A very easy morning at work today so used the time to help my friend realise what job options she has and now they seem a reality she can go for and is very excited about!

Have sent a test payment to the loan account to see if it all goes through ok before paying more off. Waiting too see if it's a free listing weekend which would be good to relist all the items that didn't sell along with more that I need to photograph and list.

This weekend will have to be a NSD weekend as no pennies left at all apart from train ticket money for next week and basic shop next week until payday. Well it will be the usual of cleaning, photographing items for eBay and longer dog walks in daylight!

fedupandskint

How could I forget? Of course it was NSD 17 to despite finishing the food shop on list and budget and filling up with petrol to get to work today and next week.

The make up and brushes went down a treat to another friend at work who loved them and was surprised by it. Had to reassure her she was doing me a favour as I had so much left over after my previous skincare and make up addiction which is now long long in the past. Thank goodness that phase of life is over and done with. Very pleased she liked them and I know will use them too.

Of course it was no clothes spend day 17 as really have no pennies to spend on clothes!

Should stay in credit this month which is an achievement I'm really pleased about most of all.

fedupandskint

Checked to see if the faster payment has gone through and it has been received by the loan account. I have just paid off £379 off the loan in an overpayment so that is the next step of the repayment plan.

I've also set up a new SO to send the monthly saving amount straight to the loan to overpay on it rather than in my savings account.

Phew, on the road to repaying in under 3 years - in 2 years and 10 months so far. Let me see how much progress I can make over this year and then see what is left to pay with less interest added to it and if I can get the time down some more to repay it all by.

Amazing what you can achieve when you set your mind to it! I will do it!

fedupandskint

A good day today. All cleaning done, ironing all done too then relisted on eBay and took photos to put on there tonight. What else? Did a Shred and hoping not to be too achy tomorrow like last time!

Also received a letter from the bank to ring them about the complaint I made about charges and they agreed I had received a strangely harsh letter in response and to ring the actual complaints dept not the financial guidance dept as requested. Round in circles I go once again with this and them. I'll ring on Monday to see what they have to say and if we can reach a suitable conclusion to the matter.

Tomorrow I will make a quick tomato sauce for pasta for an equally quick midweek tea, a casserole for tea and leek and potato soup to freeze for work lunches. If I'm not too achy I plan to go out on my bike for the first tin a very long time! Let's see how I get on!

NSD 18 and no clothes spend day 18 too.

fedupandskint

There we go then, 6 more items listed on eBay this evening. More to do tomorrow. Also cleaned one more kitchen cupboard as appears to be the new Saturday night routine these days! This time around, the end rack and shelves done. Still doing one a week means it doesn't feel too overwhelming thankfully!

How exciting my weekends are these days, hey ho!

fedupandskint

Having a good start to the day, have taken Mr Dog for his longer weekend winter walk, returned home to sweep and mop the floors, washing on, and I'm sat with a hair on!

Will be a NSD today as no pennies to spend as I keep saying, I do have to buy train tickets for work but that comes out of travel budget down to the final week so all is ok there.

fedupandskint

What a lovely day it was today. All jobs done, soup made for lunch and work this week, pasta sauce made for easy tea this week, porridge made for breakfast reheat, casserole made which was rather delish!

eBay photos taken to list tonight.

Also made it out on my bike for the first time in over one year. Quite puffed but not too bad, also bumped into beautiful mate who called in for a chat. Always a delight to spend time with him as we had a chat about eBay selling. Talking of which, time to get on with it.

Finally NSD 19, bought train tickets for work out of travel budget which means it's also no clothes spend day 19.

fedupandskint

Did it! 9 items on eBay tonight making a total of 47. Here's hoping some more items are off to new homes to get used and declutter my spare room ready for decorating in the late spring.

fedupandskint

NSD 20 today and no clothes spend day 20 either so all going well there to target.

Work ok today and still getting to grips with things as expected and getting to know everyone a little better.

Not much else to report apart from one item has a bid on eBay which is good news. Rang the bank but the dept had closed so that phone call will have to wait until Friday.

Oh yes, invited mum out for birthday lunch in a couple of weeks time which will be lovely!