daggys debt diary

daggy37

Small spend today of £2 on keep fit class .I don't think I'll be buying anything else .Will need a top up shop in the next couple of days though .
I keep picturing one of the credit card balances in my head to the point where I actually dreamt about it the other day !!I hope that means somethings sinking in .

daggy37

Well I did spend a little extra .£7 (inc postage )on a new top from eBay .
Also made some playdough for little one which kept her amused for ages.already had the ingredients in the cupboard so free.
Nearly forgot -I also gave a pound to my son for his cooking ingredients(and another for chips ) plus I put a pound in my sealed tin.
Altogether a spend of £12 today and I haven't been near a shop !

daggy37

Bit of a spendy day today top up shop came to £13 ,had to pop to the chemist and stopped off at the sweet shop on the way back ,sweets for all and a magazine for mummy came to £4 ( I hardly ever buy magazines just fancied something rubbish to read today )
Also had a look in a new shop that's just opened near us .I bought a new oven glove and a new cover for a small greenhouse I have in the garden ,plus some seeds .already have all the pots so i need to buy compost soon.was an unplanned spend but things I did need .(apart from the choc bar that also snuck its way into the basket )
My things are finishing on eBay soon so far up to £4.50 - wonder if I'll make a fiver ?:)

daggy37

I made £11 on eBay :j
The top I ordered from there turned up today but it's the wrong size .they have offered me a refund if I send it back .I hope that means they will also refund the return postage since it was their mistake ,not too sure how it works .
Also did a shop of £60 .I don't seem to have bought much though?it leaves 20 for top ups out of my budget though .
I'm just waiting for a payment to be due ...I NEED to change my signature !

daggy37

Why is it when you're waiting for a bill it doesn't turn up ?I need to see something moving .
I've decided to set myself a smaller challenge of rounding the debt down to nearest thousand( so 918 to pay first ) .I've been rocking backwards and forwards with the debt in the 9000s for the last couple of years .I panic when it hits 10000 ,pay a bit off and start to relax and before you know it I've spent again !
I seem to still be spending a fair bit of money .none of it huge amounts but constant dribs and drabs that are adding up. This weekend I bought an outfit for book day at school (for the eldest daughter ,youngest has something in the dressing up box already )a present for my parents and some new trainers for my daughter .
Oh and some Easter eggs ,plus a few bits for my daughter's birthday .she likes baking so we bought her a cake pop maker and I'm making her a little parcel of decorating goodies to go with it .
The ebayer who sent me the wrong top has agreed to pay the return postage so I'm pleased with that .

daggy37

£40 paid today just popped on to quickly update

daggy37

another update to signature of £55
My daughters outfit turned up and is too small so is going back. We have come up with our own idea which cost me all of £3.50p in the charity shop .

daggy37

Had a small spend yesterday of £4.50. We went to the library after school and the weather was so nice picked up lunch while we was out and spent the afternoon in the park.
I need to return the outfit - have raided the small change jar as I've promised sweeties to the little one,shouldn't be much though.
Ebayer has refunded my money for top that doesn't fit and quidco is showing my payment for car insurance has tracked ,now I just need my money off them

daggy37

Hello diary , no updates today since I'm just plodding along waiting until payday . Everything is paid and I have enough to pay for any top up shopping for the next few days so it's looking good
Next month's money looks like it's going on some new clothes and trainers for the ever growing children .I need to sort out their wardrobes and work out a decent budget ( and hopefully find a few bits for eBay )
I watched the sports relief programme over the past couple of days and am feeling pretty grateful for my life at the moment .things may get tight at the end of the month but no one's ever gone without . It does make me think on how much I want rid of this debt though ,quite scary to think how quickly and easily it could all fall apart.

daggy37

Payday and an update I feel like I'm finally getting somewhere !
I have been through all this months payments and transferred any money left into a seperate account which should help me keep track of things.