WOW I must be serious this time.....I have a diary

Trixxibell

£12.50 today into emergency fund no break last night very tired, all threads updated off to bed now.

Have a nice day everyone xx

System

Trixxibell wrote: »

Hi all,


Doing overtime tonight so another short update, daily PAD of £16.10 to emergency fund.


Forgot to add student loan was meant to start to be taken from my wages still hasn't ??? I will call again next week.


Still waiting to hear from manager if I can have the week I want off. really want to book the holiday then I can pay it off every month. OH gets paid weekly and he will pay by s/o into my account.


I have barred all outgoing calls from the house phone except for 999 and free calls. I'm getting annoyed with the cost of calls. Paid my final full bill on last package and it had £15 worth of phone calls. Everyone has a mobile they can use that. if they don't want to spend their money topping up their phones I don't see why I should pay the short fall. its £2.25 a month for barring so its a lot cheaper than the cost of calls.


That's my update that was meant to be short lol. Will update my signature on Wednesday on my next day off. Doing two overtime shifts this week so should be able to hit the emergency fund target next Thursday and the additional £50 to the car account.


Enjoy the bank holiday guys xx

Might be a bit irrelevant but can really recommend 08 Wizard for smart phones if you're making calls to any 08 numbers from mobiles. App costs 69p, most 08 numbers are on there and it gives you the landline number and you don't have to pay through the nose on credit/top-ups then! Worth a look if it's relevant to you! I've saved what must be £100s on it phoning different companies etc.

Trixxibell

Thanks sauce o clock I will look into that. Hope your well xx

I have slept post night shift and woke up feeling more determined to reduce my debt ive re looked at my outgoings still some shaving off that can be done.

I have cancelled my health plan at £23.50 a month this covers dental work, glasses etc you send in your receipt and get a percentage back. I no longer wear glasses and my dental work doesn't add up to the amount paid out over the years. It did include a very minimal life insurance cover but I've already got one elsewhere.

Feels very good to get rid of that always try and convince myself I need it. But with an emergency fund I can use that if I'm stuck with a big dentist bill.

So with getting rid of Virgin at £60 a month and reducing that to £6.50 (+£2.25), getting rid of this cash plan at £23.50 per month I'm waiting for a call back from my bank to get rid of the account I have got £10 monthly fee. I will be shelling out £85 a month less which I will be ploughing towards by debt. I just have to find a better life insurance quote is my next job.

Can't think of anything else I can get rid of at the moment. But I will have a look, a good read of Mr Money Moustache always gives me a reality check with my debt. Can't wait until next month I will be able to attack the debt even more.

Feeling very motivated today will update on any further changes I make new SOA will come once I've spoken to the bank.

Used the bank call back option so the call is free:money:

Trixxibell

All done bank account downgraded. No more monthly fees xx

Trixxibell

I really can't slash anything else now I don't think, it's been a very productive day. My next DD to get rid of is the car at a whopping £352.67 a month it definetly needs to go.

Got one more overtime shift this week fingers crossed I get paid for last weeks overtime and last nights shift on Friday then I can complete my emergency fund goal this week. We can hope xx

mum2one

I use the website - saynoto0870 - this gives you local numbers - very handy when on hold to sky...

sounds like some good money saving being made xx

Trixxibell

Thank you I'm trying, reading through my diary entry's from the beginning really helped. I was so aggressive with my debt back then need to re-ignite the debt beating flame lol.

Daily Pad of £5.00 today to emergency fund.
I actually have the day off got some chores to do then I'm off visiting. Have a nice day everyone I'm off to update some challenges first xx

Harryspotter

Hi trixxie

Love your diary! You sound very positive and proactive. I am going to subscribe if thats ok? I think we have quite similar goals and that helps with my motivation.

I am very impressed with what you have achieved and Im going to try to keep up with you

Harry

sassychick2014

Morning hon

Just caught up with your diary for the last 6 weeks and looks like you've had a fab trip and come back with even more determination.

I'm completely convinced you'll achieve all your targets by end Dec as you've stated as I remember you saying the "I need to win the lottery" statement and actually, you didn't. It's a great feeling isn't it!!

Have a good day xx

Trixxibell

Harry, welcome to my diary, the more the merrier xxxx

Hiya sassy thank you for your encouragement I'm going to try my hardest xxx Got a lot to achieve xxx can't wait to get to payday on Friday in work tomorrow so will be able to check the system and find out how much I will get.

Haven't heard from my manager about holiday dates yet getting inpatient. Definetly leaving the house now switching of ipad or I will never get out of here lol. Xxx